• “MAF is like a financial version of a potluck dinner: Everyone contributes something of their own, but each individual also benefits from what everyone else brings to the table.”

    Isa Hopkins, Grist

  • Congratulations to the Better Bay Area awardee organizations!

    • Brown Boi

    • Building Skills Partnership

    • Game Theory Academy

    • OBDC Small Business Finance

    • Peninsula Family Service

    • Renaissance Entrepreneurship Center

    • Rubicon

    • The Unity Council

    • Veterans Equity Center


    Better communities start with MAF.

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.


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


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


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.


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


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


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.

  • “One-third of people who participate in Lending Circles lack any type of credit history when they enter the program. After completing a single lending circle, these individuals can grow their credit scores to approximately 600, and gain access to mainstream credit.”

    Senator Lou Correa

  • “NCLR is happy that MAF is leading California in expanding access to safe and affordable financial resources to its hard-working families.”

    Marisabel Torres, NCLR

  • “We have seen how families use the Lending Circles to reduce their debts, buy school materials for their children, buy gifts for the holidays, and invest in their small businesses.”

    Jorge Blandon, Family Independence Initiative


Financial Inclusion MAF

Respect, Meet, Build: A Model for Financial Inclusion

Financial inclusion is about respecting people for who they are, meeting them where they are, and building on what's good in their lives.

Mohan Kanungo
Southwest Solutions Detroit Lending Circles

Southwest Solutions & JPMorgan Bring Lending Circles to Detroit

Southwest Solutions, JPMorgan Chase & MAF launch peer Lending Circles to boost credit scores of Detroit residents.

Kevin Gardner
Credit Relationship MAF Square

An Important Question for Every Relationship: “What’s Your Credit Score?”

From finding your next great relationship to paying for a special night out, having good credit is important.

Mohan Kanungo

Time to Reflect & Refresh: Announcing My Sabbatical

Jose Quinonez, CEO of MAF, announces a three-month sabbatical, sponsored by O2 Initiatives.

Jose Quinonez

as seen in


Crain's Detroit Business Logo

Chase, Southwest Solutions launch zero-interest loan program for Detroit residents

Southwest Solutions, J.P. Morgan Chase & Co. and MAF announced Thursday that they have launched a zero-interest loan program for Detroit residents.

Yahoo Logo

Southwest Solutions, JPMorgan Chase and Mission Asset Fund Launch Peer Lending Circles to Boost Credit Scores of Detroit Residents

Southwest Solutions, JPMorgan Chase & Co. and Mission Asset Fund (MAF) today announced the launch of Lending Circles, a new social loan program that will allow Detroit residents to safely build credit through zero-interest loans.

BBC World Service

America in Black and White: Economic Opportunity

Access to affordable credit is vital. But multiple studies have shown that getting credit is harder when you are black. At the Mission Asset Fund in San Francisco they are working to fix that.

Economist Immigrants Mission Asset Fund

Banking for Immigrants: Catering to foreign-born customers is a growing niche in finance

Mission Asset Fund, a Californian non-profit group, assists informal savings groups in immigrant communities.

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!


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