Sometimes the difference between despair and hope is just a Touch of Love.
What we do
We answer God’s call to help the hungry, broken, and lost by helping equip the materially poor with microloans, small business training, and Christian discipleship. We work in partnership with local churches and Christian ministries, building relationships marked by mutuality, respect, sustainability, efficiency and shared mission. Through these partnerships we work together, community by community, to help break the cycle of poverty and share the Gospel of Jesus Christ.
Why microloans?
Because we believe there is no hope in a handout. Microloans are not handouts, or aid, or donations. These small but significant loans are high impact because they represent trust in the God-given value of each individual. Paired with strategic training, local accountability, and repeated reinvestment, TOLI microloans effect change not just in individual lives, but entire communities that’s long-term, dignified, and sustainable.
how toli is different
We partner with local churches and Christ-centered ministries already working in under-resourced communities. TOLI aims to be 'invisible,' offering a tool for local ministries to serve their populations in a new and sustainable way.
Local field staff serve as TOLI Social Workers, who mentor entrepreneurs and administer the program
Loans are revolving and stay local: repayment funds are reinvested in the same community to create new businesses or grow existing ones
Loans are paid in the form of goods needed to start up a new business. To ensure accountability and impact, loans are never paid in cash.
After the loan is granted, a TOLI Social Worker works closely with each client, offering ongoing support, business coaching, and Christian discipleship for the length of the loan term, usually around 18 months.
Loan repayment rates exceed 98%