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Business Start-Up
Small, practical capital for a viable micro-business or income-generating idea.
Interest-free jump-start capital
Give a returned missionary a next step.
Pay It Forward helps returned missionaries in the Africa West Area access small, interest-free loans for a business start-up or vocational training — so they can build self-reliance and prepare for the future.
Loans are repaid over 12 months and the repaid funds are used to help another deserving returned missionary.
THE IDEA BEHIND IT
Self-reliance starts with a chance.
0%Interest on beneficiary loans
12Months repayment period
AFRICA WESTPrimary service area
PAY IT FORWARDOne repayment helps another
WHY WE EXIST
A bridge between mission and opportunity.
Returning home from a full-time mission can be a season of great possibility — and great uncertainty. Many returned missionaries in West Africa face limited access to the small amount of capital or practical training they need to move forward.
Pay It Forward was created to provide a practical bridge. We offer interest-free loans that can help a returned missionary start a small business or pursue vocational training while building the habits, skills and confidence needed for long-term self-reliance.
The model is intentionally simple: when a beneficiary repays a loan, those funds can be placed back into the cycle and used to support another returned missionary.
OUR APPROACH
Small capital. Real momentum.
We focus on practical opportunities that can help people take ownership of their next chapter.
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Vocational Training
Support for skills training that can improve access to future employment and self-employment opportunities.
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Pay It Forward
As funds are repaid, they can be recycled into another opportunity for a deserving returned missionary.
HOW IT WORKS
A simple cycle designed for lasting impact.
01
Apply
Tell us about yourself and your mission background through the online application.
02
Review
Applications are considered against the program's eligibility and recommendation requirements.
03
Receive Support
Approved beneficiaries receive interest-free jump-start support for an eligible purpose.
04
Repay & Pay It Forward
Repayment over 12 months helps keep the opportunity moving to another returned missionary.
THE WHY BEHIND THE WORK
When one person gets a chance, the impact can travel.
We have heard from returned missionaries about how access to modest financial support can change what they are able to do next. Those stories strengthen our commitment to expand the cycle of opportunity.
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Our goal is not simply to provide money. It is to help a returned missionary gain a practical path toward greater self-reliance.
THE PAY IT FORWARD CYCLE
Opportunity → Repayment → Opportunity
1Support a
beneficiary
beneficiary
2Build a
future
future
3Repay over
12 months
12 months
4Help the
next person
next person
APPLICANT PORTAL
Take the first step.
This short form begins your application record. Please provide accurate information. Additional eligibility and recommendation steps may be required after this initial submission.
Program eligibility
- Served a full-time mission for The Church of Jesus Christ of Latter-day Saints and returned with honor.
- Has an active Temple Recommend.
- Is recommended by a bishop or branch president.
- Is willing to repay the loan so the funds can help another returned missionary.
INITIAL APPLICATION
Secure submission
Applicant information
HELP THE CYCLE CONTINUE
Give a little. Start something.
Your support can strengthen the pool of funds available to help returned missionaries pursue practical business or vocational opportunities.
THE PEOPLE BEHIND THE IDEA
Built from a belief in self-reliance.
Pay It Forward is a Community Development Network initiative built around a simple conviction: people often do not need a large amount of capital to begin moving forward — they need the right opportunity at the right time.
The program focuses on returned missionaries in the Africa West Area because of the transition many face after missionary service and the need for practical pathways toward education, skills and income generation.
Pay It Forward
PHONE / WHATSAPP+232 318 44077
ADDRESS
64 E 6400 S, Ste 120, SLC UT 84107 USA