Millions live in the financial shadows

When hardworking families can’t get car loans or own homes, they turn to payday lenders and check cashers to make ends meet. High cost fringe financial services trap people in a cycle of debt, preventing hardworking families from realizing their true economic potential.

INVISIBLE

54 million people are without access to affordable credit. 17 million people don’t have access to bank accounts.

STUCK

1 in 4 families turn to fringe financial services for their daily needs.

STRAPPED

Being invisible costs more. Payday lenders charge 391% to 521% interest for payday loans.

We meet hardworking families where they are.
And then, we build on what they have.

the solution is simple

The solution can be found in the hidden strengths of communities across the country. People come together to lend and borrow money with each other. We connect this practice with the financial system so that borrowers can build credit and a brighter future.

RECOGNIZE

People lend and borrow with each other all the time. We recognize this practice and use credit reporting to make it visible.

BUILD

We help people navigate the financial marketplace and develop programs that transform everyday financial practices into savings and credit building opportunities.

SCALE

We use technology to expand our programs nationwide. With a network of nonprofit providers, we are able to help low-income people across the country.

Blog

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Leonor Brings Sunshine to the Community

Find out how Leonor used Lending Circles to launch a business to promote good health in her community

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SB 896 passes! CA becomes first state to recognize credit-building

It took just 13 months to build the future of nonprofit credit building

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New Latthivongskorn: From dreams to medical school

New is a passionate public health advocate and the first undocumented student to enter UCSF Medical School

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SB896: One signature away from history

After months of movement through the California Senate SB 896 has officially been sent to the Governor for final approval.

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PRESS

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California Law Paves Way for More Credit-Building 0% Loans

SB896 removes barriers for nonprofits to provide affordable financial products.

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DACA Loans for Low-income Applicants

Lending Circles for Dreamers is a great option to afford the DACA application fee.

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US immigration scheme totters as migrant crisis worsens

DACA provides work permits for young undocumented migrants but is struggling after two years of controversy.

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Where Credit is Due

How a startup nonprofit uplifts immigrant entrepreneurs through community lending

It’s not enough to feel good about the work we do. We care about having a real, tangible impact.
That’s why we validate our programs through third party-research.
This way, we measure our impact and use data to improve our programs.

We believe everyone deserves a shot at success.
Join us in making the financial system work for everyone.

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Find out what we're up to and how you can be involved!

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Investing $100 generates $4,000 in social loans helping families build credit and a better future.

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