Membership and eligibility
Participation is a relationship, not a sign-up
The intended first borrowers are individual cooperative members. Cooperative membership, employment and program eligibility are separate: membership does not automatically grant borrowing access to every employer-associated program. Reading this website creates none of these rights, and there is no application here to submit.
Who sets the criteria
The cooperative adopts program rules through its proper authority. Employers may supply justified, lawfully processed eligibility evidence; they do not gain unrestricted access to employee finances or voting power because they supply funding. The software applies adopted conditions consistently and provides explanations and correction paths.
What that means in practice:
- Eligibility basis is defined per program: for example employment status, membership standing or another qualifying relationship.
- Admission criteria are provider-specific and are not published on this site. Where a criteria set is still being finalized, that status is stated rather than guessed at.
- No hidden side doors. Published rules must not be changed through an undocumented override. Lawful decisions, complaints and corrections need named responsibilities and an auditable process before a live program opens.
Why the details are not here
Publishing generic admission criteria would misrepresent every program that applies different ones. It would also risk presenting unverified specifics as settled fact. Where eligibility formulas are unresolved or confidential, this documentation says so instead of inventing a description.
Unresolved by design
Over time, participation and repayment history may inform eligibility under a program's rules and available capital. This is a product direction, not a promise of a credit limit, automatic increase or loan access.
Cross-program access and exact program criteria remain policy choices, not default entitlements. Leaving an employer must not silently erase cooperative membership, an outstanding loan, a funding claim or complaint rights. Resignation, dismissal, retirement and repayment interruption need explicit treatment before operation.
Related reading
- Organizations, pools and funding: who provides financing.
- Terms and repayment: what applies once someone is a participant.