- 01
Direct impact
No fund in between. You choose the dream, see the milestones and watch the proof arrive. A small backing can complete a milestone when several Backers join in.
- 02
Transparent by design
Every dream shows its goal, milestones and progress. Dreams are reviewed before they go live, and money moves only when proof is posted.
- 03
A relationship, not a transaction
Chat with the Dreamer and follow updates. Many Backers return because they enjoy watching a plan become something real, knowing they helped.
How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to review the proof, ask for more info, and decide whether to keep supporting your next milestone.
0% commission — direct gifts, nothing taken
Backers pay exactly what they choose directly through your payment methods. cohero takes 0% commission on backings, so you keep what is sent. Any refunds or disputes are handled directly between you, the Backer and your payment provider.
Gifts, not shares
Backings are gifts. No shares, equity, interest or repayment, and Dreamers keep full ownership. Nothing on cohero is an investment or a loan.
Example milestone plan
An example plan for a nursing school dream with a goal of €14,000. Backers pay you directly, funding the goal all at once or milestone by milestone as you post proof for each step.
Milestone 1
€2,800 · 20%
Secure the first term
Post an enrolment confirmation, the first tuition receipt and a dated breakdown of required nursing course supplies.
Milestone 2
€4,200 · 30%
Begin clinical training
Share paid course invoices, a placement schedule with identifying details hidden and receipts for clinical supplies.
Milestone 3
€4,200 · 30%
Continue supervised practice
Upload the next tuition receipt, a redacted attendance summary and travel records for the funded placement period.
Milestone 4
€2,800 · 20%
Complete the final term
Post final-term payment records, receipts for remaining required materials and a course completion update.
Risks to plan for
- R1
Placement dates can move
Clinical placement dates or locations may change during the course. Separate placement costs by term and allow room in the travel budget for a revised route or schedule.
- R2
Required supplies vary
A placement may require different uniforms or equipment from classroom study. Confirm supply lists before purchase and attach the relevant list to each materials milestone.
- R3
Study reduces paid hours
Classes and clinical shifts can reduce time available for paid work. Map essential living costs to each training block rather than assuming the same work schedule all year.
Questions and answers
What proof can I share without revealing patient details?
Use tuition receipts, required supply invoices and course attendance records with personal details hidden. Never post patient notes or clinical images; Backers need evidence of the funded step, not access to patient care.
Do Backers get anything in return?
Backings are gifts, so there are no shares, interest or repayment. You get a clear view of the progress you made possible and a direct line to the Dreamer.
Can my goal include travel to clinical placements?
Yes. Explain which placement journeys the goal covers and show how you estimated them. Use travel receipts or a redacted journey log as proof, without exposing patient information or confidential placement records.
Budget example
A typical cost split for a nursing school dream in Munich, shown in EUR. Backers pay you directly using your accepted payment methods.
Example goal
€14,000
- Tuition and course fees€8,400 · 60%
- Clinical supplies and uniforms€2,100 · 15%
- Books and learning tools€1,400 · 10%
- Placement travel and living€2,100 · 15%
What you receive
- Backers give
- €14,000
- 0% platform commission
- −€2,100
- You receive
- €11,900
Ready when you are
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