Where Can I Invest $25/day for maximum returns?

A couple a week ago my roommate Alex over dinner asked a question “How to invest money specifically $25 for maximum returns?”  First, I was stunned by the question. Then naturally I was unable to answer with clarity. So I decided to embark on a discovery journey. That’s after rephrasing it to “where to invest $ 25/day?”

Takeaways: How to Invest money $25/day for maximum returns?

  • Discovery and data collection

My discovery process started by asking myself how much I spend per day: breakfast, lunch, and dinner. Also, I explored my weekend activities and the budget I spent each time I go out. Further, I asked around me to see if my friends, co-workers, neighbors, and relatives are in the same spending range. In addition, I asked them if they are willing to put $25/day in an investment. They overwhelmingly answered absolutely.

  • Investment opportunities

I was amazed when I started exploring the other end: “investment opportunities”, how many opportunities are available? But most importantly how much impact could be created both for the borrower and the lender?.

  • Recommendation

The only strong recommendation that I can formulate is to only focus on companies that lend working capital.


  • $25 is not a lot of money to put in a project.
  • Most people spend more than the amount ($125) on a single weekend outing.
  • If you do an investment pool you can even expect better risk management.
  • $750 per month can really go a long way to support some small businesses
  • It can yield some very surprising returns on investment
  • It is money otherwise spend/ loss anyways just put it to work.

The math:

$25/ per day, turn out to be $125 per week and $750 per month. That is more than enough working capital for some small businesses to turn around for a month. If you take into consideration an interest rate between 5% to 17% at a fixed rate. You can expect a good yield.

  • Total investment: $750/month
  • Total return: $37.5/month ( conservative)

Obviously, the return can be substantial in some high-risk investment opportunities.

Learn more: How Can I Invest money $25/day for maximum returns?

Here is a list of opportunities that you can explore. Evidently, the list is not by no means exhaustive :

Kiva: the company uses the crowdfunding approach to fund project all over the world. Based in San Francisco the company has already funneled more than $1.2B since its inception in multiple investment projects around the world. learn more: https://www.kiva.org

Zidisha: the company uses the same model as Kiva. Learn more: www.zidisha.org

Lendingclub: The company is a peer-to-peer lending company registered in the USA. It was the first company in the USA. Over the years through the company has evolved and now has also institutions as part of the platform. More $44B have been already borrowed thanks to more than 2.5 million customers. Learn more: https://www.lendingclub.com

Prosper Marketplace: is similar to lendingclub. Learn more https://www.prosper.com/

Kabbage: is a company that provides working capital loans to small businesses. Working capital is the gas for any business. More $6.5B has been awarded since its inception to more than 170000 businesses. Learn more: https://www.kabbage.com

Upstart: is a company that leverages AI to provide loans, the system is fully automated. They work with individuals but as well as large banks. Learn more: https://www.upstart.com/about#who-we-are

Betterment and Robinhood are also great alternatives for investment.

In addition, you can join a lending circle. For example Mission asset fund: https://missionassetfund.org/lending-circles.

Finally, you can save money in your account and enjoy the benefit of the interest rate or put it towards your 401k or IRA.

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