What Tilt does

Tilt (formerly Empower Finance, rebranded August 2025) is a US-based financial technology company that provides cash advances, lines of credit, and credit card products to consumers underserved by traditional lenders. The company is headquartered in Garden City, Idaho, operates a virtual-first workforce of 251-500 employees across 14 countries, and serves more than 5 million customers globally through wholly-owned subsidiaries including Petal (US), Cashalo (Philippines), and NIRA (India). Its product portfolio centers on three interconnected offerings: Tilt Cash Advance ($10-$400 with no credit check), Tilt Line of Credit ($200-$1,000), and a suite of Tilt Credit Cards (Essentials, Motion, and Engage) issued by WebBank. The platform is distributed exclusively through the Tilt mobile app and tilt.com, with self-serve onboarding and soft-inquiry pre-qualification.

Tilt's core differentiator is its proprietary cash-flow underwriting technology, which evaluates over 250 non-traditional financial signals, including real-time income, expenses, and spending patterns accessed via Plaid bank linking, rather than relying on traditional credit scores. This enables approval for consumers who are credit invisible or have been denied elsewhere; 51% of Tilt credit card customers were denied credit at another lender in the six months prior. The platform also embeds credit-building features (credit score monitoring, personalized budgeting, automatic savings via Tilt AI, and bureau reporting to Experian, Equifax, and TransUnion) designed to graduate customers into larger credit limits and new products.

The business model combines multiple revenue streams: an $8/month subscription fee on Cash Advance (waivable, with a 14-day free trial), interchange fees on $2.5B+ in cumulative credit card purchases, a $59 annual membership fee on the Tilt Engage Card, and optional instant-delivery fees on cash advances. Banking services (Tilt AutoSave, Tilt Debit Card) are provided through nbkc bank, Member FDIC, with the line of credit issued by FinWise Bank. The company reports profitability since 2022 and operates from offices in Garden City (HQ), Bengaluru (NIRA engineering hub), and Manila (Cashalo operations hub).

Name

Tilt

Legal name

Tilt Finance, Inc.

Website

https://tilt.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Tilt is a fintech company providing cash advances, lines of credit, and credit cards to non-prime consumers underserved by traditional lenders, using proprietary cash-flow underwriting on 250+ non-traditional signals. It serves 5M+ customers globally and has been profitable since 2022.

Ownership category

akta.pro rank

Product category

Consumer Credit & Alternative Lending

NAICS

Credit Card Issuing (52221), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Balance Transfer & Credit Card Refinance Loans (FSAKAIAA)

Keywords

• Cash advance services
• Credit building cards
• Alternative credit underwriting
• Consumer fintech lending
• Earned wage advance

Headquarters

HQ city

Garden City

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription Fee (Cash Advance): $8/month auto-recurring subscription fee for Cash Advance and Line of Credit products. Waivable upon request. First-time customers get a 14-day free trial.
2. Annual Membership Fee (Credit Cards): Tilt Engage Card charges $59 annual membership fee; Tilt Motion Card and Tilt Essentials Card have $0 annual fee.
3. Instant Delivery Fees: Optional instant delivery fees for cash advances: $1–$8 depending on advance amount, or 3% for advances of $300 or more.
4. Interchange Revenue: Credit card transaction interchange fees from the Tilt Credit Card portfolio (Tilt Essentials, Motion, and Engage cards issued by WebBank). $2.5B+ in purchases made possible as of April 2025.
5. AutoSave Banking Services: Tilt AutoSave checking and savings accounts provided through nbkc bank, Member FDIC. Deposits are placed in a network of FDIC-insured institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Tilt is a financial technology company that delivers cash advances ($10–$400), a Line of Credit ($200–$1,000), and a suite of unsecured Visa credit cards (Essentials, Motion, Engage) to non-prime consumers. Products are underwritten using 250+ non-traditional cash-flow and financial health signals rather than traditional credit scores, with banking services provided by partner banks (nbkc bank, FinWise Bank, WebBank).

Product overview

Tilt is a financial technology company offering a unified platform of cash and credit products designed for consumers underserved by traditional lenders. The portfolio consists of three interconnected product lines: Cash Advance (up to $400 with no credit check), Line of Credit ($200-$1,000 with flexible repayment), and Tilt Credit Cards (three variants—Essentials, Motion, and Engage—issued by WebBank). All products utilize the company's proprietary cash flow underwriting technology that evaluates over 250 non-traditional signals rather than relying solely on credit scores, enabling approval for customers who may be denied elsewhere.

Differentiator

Problem solved

Functional benefit

Brands

• Tilt Motion Card: Unsecured credit card with no annual fee, 1-10% cash back at select merchants, for credit builders with no deposit required
• Tilt Engage Card
• Tilt Essentials Card
• Tilt Cash Advance
• Tilt Line of Credit

Products and services

• Tilt Cash Advance Cash advance product providing $10–$400 instantly with no credit check, no interest, and no late fees; repaid automatically from the user's next paycheck based on detected pay cycle. Targeted at non-prime consumers who need short-term liquidity without predatory fees.
• Tilt Line of Credit Flexible revolving credit line starting at $200–$400 and growing to $1,000 with on-time payments; issued by FinWise Bank; offers 0% APR if repaid on next payday, otherwise 35.99% APR across multiple repayment schedules. Targeted at consumers needing flexible access to credit.
• Tilt Credit Cards (suite) Suite of unsecured Visa credit cards (Essentials, Motion, Engage) issued by WebBank for consumers building or rebuilding credit; uses alternative underwriting with no security deposit required and reports to all three credit bureaus.
• Tilt Essentials Card Unsecured Visa credit card with $0 annual fee offering 1% cash back on all purchases and 3% cash back on gas and groceries with AutoPay enabled; features automatic credit limit increases. Issued by WebBank.
• Tilt Motion Card Unsecured Visa credit card with $0 annual fee offering 1–10% cash back at select merchants; designed for people rebuilding credit with four paths to credit limit increases. Variable APR 28.74%–33.74%. Issued by WebBank.
• Tilt Engage Card Unsecured Visa credit card with a $59 annual membership fee offering 1–10% cash back at select merchants; designed for new-to-credit or credit-rebuilding customers with an early path to credit limit increases starting at 4 months. Variable APR 29.24%–34.24%. Issued by WebBank.
• Tilt AutoSave (checking and savings) FDIC-insured checking and savings accounts provided through nbkc bank, with a Tilt Debit Card and AI-driven automatic savings that identifies affordable amounts to save based on the user's financial profile. Funds placed in a network of FDIC-insured institutions.

Quantifiable outcome

• Over $1B in credit extended to customers
• +5 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• Petal (Acquisition)coreOthers · 6 August 2025Tilt acquired Petal in the US as part of its international expansion strategy. Petal is a US-based consumer credit business that now operates under the Tilt umbrella with $2.5B+ in purchases made possible.
• Cashalo (Acquisition)coreOthers · 6 August 2025Tilt acquired Cashalo, a Philippines-based consumer credit business, as part of its international expansion into Southeast Asia.
• NIRA (Acquisition)coreOthers · 6 August 2025Tilt acquired NIRA, an India-based consumer credit business, as part of its international expansion strategy.
• Plaid Technologies, Inc.coreTechnology or IntegrationTilt uses Plaid to securely gather end users' financial data from their financial institutions. Users grant Tilt and Plaid the right to access and transmit their personal and financial information. Plaid's privacy policy governs data handling.
• Stripe, Inc.coreTechnology or IntegrationStripe powers instant disbursement of cash advances into users' external paycheck accounts ('Instant Delivery' feature), enabling delivery within approximately 1 hour subject to Stripe's services agreement.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Earnin: Earnin offers earned-wage-access cash advances plus credit monitoring and 'Tip Yourself' savings — directly competing with Tilt's Cash Advance and credit-builder value proposition for non-prime and gig-economy consumers.
• Dave: Dave (publicly traded) offers cash advances, budgeting, and a banking account targeting overdraft-prone consumers — overlapping directly with Tilt's Cash Advance, subscription fee model, and credit-builder footprint.
• MoneyLion: MoneyLion bundles cash advances, credit-builder loans, investment accounts, and credit cards for non-prime consumers — closely mirroring Tilt's stacked cash-and-credit funnel through a different partner-bank architecture.
• Brigit: Brigit provides cash advances, budgeting, and credit-building tools to non-prime consumers under a subscription model — direct overlap with Tilt's Cash Advance product mechanics and target customer.
• Possible Finance: Possible Finance offers small cash advances to underbanked borrowers using cash-flow underwriting via partner banks — a near-exact comp to Tilt's core underwriting approach and non-prime customer segment.
• Albert: Albert combines cash advances, automated savings, and banking services through a subscription product — comparable to Tilt's Cash Advance plus Tilt AutoSave bundle.
• Cleo: Cleo offers cash advances through its AI-driven financial assistant app — competing with Tilt's Cash Advance and AI-savings features among younger, non-prime consumers.

Broad incumbents

• Credit Karma: Credit Karma (Intuit-owned) provides free credit monitoring and a marketplace for credit cards and loans — adjacent to Tilt's credit-builder cards and bureau-reporting infrastructure but at much larger scale.
• Affirm: Affirm is a publicly traded point-of-sale credit and banking provider that shares Tilt's alternative-data underwriting ethos but focuses on installment lending rather than cash advances and credit-builder cards.
• SoFi: SoFi is a chartered bank offering personal loans, credit cards, and cash management — overlapping with Tilt's Line of Credit and credit card suite, but serving a broader and more prime-skewed customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/tilt
• LinkedInlinkedin.com/company/tilthq
• Facebookfacebook.com/tilthq
• Instagraminstagram.com/tilthq

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

Funding overview

Funding rounds4 records

Investors16 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tilt