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

IMG_6642

Blanca: Building her Beauty Salon Business Dream

Blanca's come a long way from her days braiding her sister's hair.

Victoria Mayernick
Lessons Earned Feature Post Image

Lesson Earned #2: Get Rid of the Door

Why community based solutions are more than just a nice thought.

Victoria Mayernick
AQUI2

From Partner Extraordinaire to Board Member

Follow Aqui's journey with MAF and how she became our newest board member.

Jose Quinonez
102814clues114

A Warm Reception for Lending Circles in Minnesota

Thanks to our partner CLUES and a tight network of community nonprofits, we find lots of opportunity for credit-building in the Twin Cities

Nesima Aberra

as seen in

PRESS

New-York-Times-Social-Logo

Are Banks Too Expensive?

Rising fees and interest rates make it difficult for those living paycheck to paycheck to enter the banking world.

nerdwallet logo

Lending Circles Weave Disadvantaged Borrowers into Credit Mainstream

Members' success stories are shared in order to shed light on the power of lending circles.

414463_10151126916602665_155203792_o-e1396469252816

Consumidor al dia: Organice sus finanzas

Ximena Arias de la Organización Comunitaria “Mission Asset Fund” explica los detalles de un evento para organizar sus finanzas.

CBS

Lending Circles helping Borrowers Meet Financial Goals

CBS takes a closer look at the potential power of lending circles through the story of one of our incredible members,

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