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Provides short-term funds as needed and helps to build one's credit score, empowering access to better financial products in the future.
Summary description
Online consumer lender
Modest credit safety net for consumer’s emergency expenses
Insurance type model – fixed monthly membership fee for enabling rapid small level loan
Cheaper than many near prime lenders and other providers to this segment
Opportunity investment thesis
Large, growing demand for emergency loans by cash strapped individuals
Banks retreating from or finding hard to serve lower income segments, except at very high rates/cost
Need for regulatory friendly approach
Need and opportunity to empower individuals to improve financial stability and credit scores and remove stress
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