We are a nonprofit organization on a mission to create a fair financial marketplace for hardworking families.
MILLIONS LIVE IN THE FINANCIAL SHADOWS
Life on the margins of our society is full of closed doors. If you’re financially invisible, it’s nearly impossible to get approved for an apartment, a credit card and sometimes even a job. You’re the target of high-cost fringe lenders who entrap you in debt and prevent you from reaching your full economic potential.
INVISIBLE
45 million people are without access to affordable credit. 16 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 people where they are.
Then we build on what they have.
THE SOLUTION IS SIMPLE
The best solutions are found in the hidden strengths of marginalized communities. We’re building programs and services in real time that meet the complex needs of low-income communities.
RECOGNIZE
Low-income communities are full of resilience and wisdom. When you start with respect and appreciation, you can transform informal practices into financial power.
BUILD
We make it easier to navigate the financial marketplace by designing programs that transform everyday financial practices into savings and credit building opportunities.
SCALE
We leverage user-centered design principles and technology to expand our programs nationwide. We host a network of trusted nonprofits across the country.
