I invested two tranches of cash in a local business I believe in and support. As a regular customer and friend of the cheese stand, I looked at the terms of the loan and the returns that would be generated by my investment. 3CF provided the platform that enabled for an easy online-exchange of loan contracts between me and the cheese stand. Knowing that there were legally binding contracts made me feel more secure in making the investment. On top of that, investors even get a small perk each month along with their loan repayments. I might not be getting rich from this investment, but supporting an independent business, earning a legitimate interest and getting some free cheese each month makes me happy.