Pilot Program Only
This program is currently restricted to a select trial group of pre-approved applicants. Public access for all new clients will open soon.
Public Launch: August 1st, 2026

Commute Smarter. Ride Greener.

Get the e-bike you need for work or school today. Affordable monthly payments that often cost less than public transit.

Waitlist Only
01

Choose Bike

Select your e-bike from an authorized retailer. We finance purchases only through approved/authorized shops.

02

Apply

Submit the invoice/quote from the retailer (bike + accessories + taxes, if applicable). We offer terms up to 24 months.

03

Ride

Funds are paid directly to the authorized retailer. Once the shop confirms payment, you pick up and ride.

Authorized Retailers Only

No cash to the borrower. Just a clean purchase.

We disburse funds directly to approved e-bike retailers so the transaction stays legit, trackable, and fraud-resistant.

Shop Verification

  • Retailer must be an authorized e-bike dealer or a verified online store.
  • We verify business identity and payout details.
  • We may request dealership documentation or brand authorization proof.

Invoice Required

  • Funding is based on a valid invoice/quote.
  • Invoice should include model, serial (if available), and total amount.
  • Accessories and safety gear may be included if listed.

Direct-to-Retailer Payment

  • We pay the retailer directly.
  • Borrower does not receive cash proceeds.
  • Pickup/delivery happens after payment confirmation.

Rider Stories

Real people saving time and money.

"My commute used to take an hour by bus. With my new e-bike, I'm there in 20 minutes, and the monthly payment is less than my bus pass."
Marcus J.
Commuter • Seattle, WA
"As a student, I couldn't afford a car. IMM Fund helped me get a reliable bike to get around campus and to my part-time job."
Sarah L.
Student • Boston, MA