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.



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Fashion, Trucks, and Finances

Find out how TopShelf Style's founder Christina is taking her business to the next level!

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Expanding Opportunity for Mexican DREAMers

Check out the first Lending Circles for Deferred Action group supported by a matching grant from the Mexican Consulate of SF

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Lending Circles For DREAMers: Jessica’s Story

Find out how Jessica used MAF's Lending Circles for DREAMers to access DACA and build her future.

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as seen in


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Think Outside the Box to Solve Americans’ Cash Flow Problems

Mission Asset Fund's successful peer lending and saving program in San Francisco has catalyzed legislative change in California and spurred replication.


The Odd Couple Fighting Against Predatory Payday Lending

Legislation like SB896 is helping recognize nonprofits as good lending options to compete with shady payday lenders.


Lending circles, an immigrant tradition, seen as new stepping stone to American dream

Resettlement experts hope to use Lending Circles, where default is almost unheard of, to help immigrants and refugees acquire credit scores.


Rush to Serve the Unbanked Spurs Innovation

Lending Circles is becoming a household name as a safe, alternative product to build credit and savings.

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