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

homepagecapturefeature

Leveling up with new social loan sites

Today we are thrilled to unveil a brand new website. But to us, it's really more meaningful than just a new look.

Logo_featured

Is a new logo like getting a new uniform?

If a brand is everything someone says or knows about your organization, a logo is like a team uniform.

JanStürmann4X4

Shifting the focus on social lending

Jan Stürmann, a videographer based out of San Francisco, shares his thoughts on capturing our stories.

Edgar and Gustavo

A dream no longer deferred

Mission Asset Fund & the Lending Circles for Dreamers program helped Edgar & Gustavo realize a life changing dream.

as seen in

PRESS

NPR_SquareFINAL

Lending Circles Helps Latinas Invest

Using trust Latina women build wealth and save through Lending Circles

univision_14

Consumer al Dia: Prestamos a los Dreamers

DREAMers can receive loans to apply for DACA through the Lending Circles

UTSDLogo_SquareFINAL

Lending Bill Helps Poor By Slicing Through Red Tape

SB 896 cuts through red tape for affordable lending.

539087_412689465433106_1289537563_n

Bill Promotes Lending in Immigrant Communities

Nonprofits will facilitate lending cooperatives among low-income families

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.

Follow Us

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

Participate

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

donate