Change Machine
Change Machine is a Brooklyn-based nonprofit that builds a Salesforce-based SaaS platform — SHARE, LEARN, and COACH — to help nonprofits, government agencies, and financial institutions deliver financial coaching to low-income communities, supported by subscription pricing, grants, and partnerships.
- Company typePrivate
- Founded2005
- HeadquartersBrooklyn, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Change Machine does
Change Machine is a Brooklyn-based 501(c)(3) nonprofit, founded in 2005 (originally as The Financial Clinic), that operates a Salesforce-based SaaS platform designed to help nonprofits, government agencies, and financial institutions deliver financial coaching to low-income communities. Its offering is organized into three integrated modules: SHARE, a community-of-practice social platform for financial coaches; LEARN, a learning management system with 30+ courses and 150+ bilingual tipsheets spanning seven financial security areas; and COACH, a CRM that captures client financial goals, action plans, and outcomes. The platform also includes a fintech product recommendation engine governed by Change Machine's proprietary Seal of Inclusivity framework, which evaluates products across equity, fair pricing, data safety, and financial security impact, and surfaces products from BIPOC-led companies.
The company monetizes the platform through a freemium subscription model (free SHARE access, CommunityPlus at $450/user/year, and Premium at $1,200/user/year), supplemented by professional services such as organizational development, train-the-trainer curricula, and implementation consulting. Distribution combines direct enterprise sales, a self-serve free tier, listing on the Salesforce AppExchange (where Change Machine is a registered ISV partner paying Salesforce a revenue share), and channel partnerships with funders such as Kaiser Permanente that subsidize platform access for grantee nonprofits. The company cites 800+ partner organizations across all 50 U.S. states and reports having reached 104,035+ people and returned approximately $72 million in client financial value since 2005, with 2014 RCT outcomes (CFPB-commissioned, Urban Institute-led) showing $1,721 average savings increases, $1,009 debt reductions, and 33+ point credit-score improvements for participants.
In 2025, Change Machine announced a merger with Prosperity Now and is co-developing the Prosperity Next AI-powered platform with Credytu to serve CDFIs and small business lenders, signaling a strategic broadening from nonprofit coaching tooling toward broader asset-building infrastructure. Headcount is reported at 11–50 employees, and the organization is supported by a mix of subscription revenue, philanthropic grants, and corporate partnerships rather than venture capital.
Change Machine firmographics
Firmographics- Name
- Change Machine
- Legal name
- Change Machine
- Website
- https://change-machine.org
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Change Machine is a Brooklyn-based nonprofit that builds a Salesforce-based SaaS platform — SHARE, LEARN, and COACH — to help nonprofits, government agencies, and financial institutions deliver financial coaching to low-income communities, supported by subscription pricing, grants, and partnerships.
- Ownership category
- akta.pro rank
Change Machine industry classification
Industry- Product category
- Financial Coaching Software for Nonprofits
- NAICS
- Computer Training (61142), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Social Services (8300)
- akta.pro primary industry
- Enterprise Application Training, Change Management & Adoption Services (BPAEAGAN)
- akta.pro secondary industries
- Change Management & Transformation (Org/HR) (BPACAJAD), Change Management & Transformation Consulting (BPAHAGAC), Change Management for Operations Transformations (EDABAKAM)
Keywords
Where Change Machine is headquartered
LocationHeadquarters
- HQ city
- Brooklyn
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Change Machine business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Platform SaaS Subscriptions: Change Machine operates as a subscription-based SaaS. Three tiers: Free Community tier (SHARE access), CommunityPlus at $450/user/year (SHARE + LEARN with 30 courses and 100+ tipsheets), and Premium at $1,200/user/year (all modules including COACH data management and reporting). Discounts available for data sharing.
- Professional Services & Training: Change Machine offers paid professional services including organizational development, custom financial coaching training, train-the-trainer curricula, implementation support, and program consulting calls. These complement the SaaS platform for enterprise and government clients seeking embedded financial security strategies.
- Cy Pres Awards: Change Machine accepts cy pres awards — unclaimed settlement funds from class action lawsuits distributed to organizations serving underlying class members — as a supplemental funding mechanism.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Free | Community (Free) — Social networking for financial coaches |
| Subscription | Annual | CommunityPlus ($450/user/year) — Self-paced learning and coaching toolbox |
| Subscription | Annual | Premium ($1,200/user/year) — Full platform with data management and reporting |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels12 records
Change Machine product offering
Product offeringCore offering
Change Machine provides a Salesforce-based SaaS platform that enables nonprofit organizations, government agencies, and financial institutions to deliver financial coaching to low-income communities. The platform bundles three modules — SHARE (peer community), LEARN (training with 30+ courses and 150+ tools), and COACH (CRM for tracking client financial outcomes) — complemented by a Seal of Inclusivity-vetted fintech Recommendation Engine and implementation/training services.
Product overview
Change Machine offers a unified financial coaching platform consisting of three core integrated products: SHARE (peer-based learning and community networking), LEARN (self-paced training courses and financial coaching tools), and COACH (CRM software for tracking client outcomes). The platform is built on Salesforce infrastructure and provides nonprofit organizations, government agencies, and financial institutions with tools for delivering scalable, data-driven financial coaching. Additional offerings include the Seal of Inclusivity (a proprietary fintech vetting framework), Tax Truths (research initiative), and Prosperity Next (AI-powered data enhancement partnership). The platform enables practitioners to track client progress, access training, and receive personalized fintech product recommendations through an integrated recommendation engine.
Differentiator
Problem solved
Functional benefit
Products and services
- SHARE Social collaboration and peer-based learning tool providing an online community of practice for financial coaching professionals, with discussion forums, groups, events (Motivation Monday, Coaching Corner, WTFintech Wednesday), and fintech product discovery.
- LEARN Self-paced and live training tool delivering 30+ financial coaching courses across 7 financial security areas (goals, assets, banking, credit, debt, taxes, fintech) plus a toolbox of 150+ customer-facing tipsheets and worksheets in English and Spanish.
- COACH Customer relationship management software built natively on Salesforce for capturing, tracking, and reporting on client financial goals, action plans, savings, debt, credit, and tax outcomes. Includes pre-built dashboards, the Financial Well-Being Scale, and CFPB Financial Capability Scale integration.
- Change Machine Platform The unified Change Machine Platform integrating SHARE, LEARN, and COACH with the Seal of Inclusivity fintech Recommendation Engine, sold to nonprofits, government agencies, and financial institutions on tiered annual subscriptions.
- Implementation Support & Professional Services Add-on paid services covering organizational development, custom financial coaching training, train-the-trainer curricula, implementation support, and program consulting calls for enterprise and government clients embedding financial security strategies.
- Kaiser Permanente EMBED Financial Coaching Program National financial coaching program funded by Kaiser Permanente to embed Change Machine's coaching tools and training into 150+ nonprofit partners, serving 50,000+ families and completing nearly 20,000 financial coaching actions.
- Prosperity Next Platform AI-powered platform for CDFIs and small business lenders to improve operational efficiency and broaden the reach of asset-building programs, with Change Machine contributing advanced data collection tools.
Quantifiable outcome
- Clients of partner organizations increased savings balances by 32%; 31% increase in credit scores with a third moving to a higher scoring tier; 50% reduced their debt
- +6 more outcomes
Companies that use Change Machine
Customer profileNamed customers17 records
Segments5 records
Ideal customer profiles4 records
Change Machine technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability2 records
Feature6 records
Change Machine partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor, flagship and core.
- Envision ConsultingminorEnvision Consulting advised on the merger between Prosperity Now and Change Machine in 2025 as part of its role as a national leader in nonprofit mergers and acquisitions. Envision Consulting guided multiple nonprofit mergers in 2025 including deals involving All For Kids, Raise A Child, CPLC, Shelter Partnerships, Amanecer, New Horizons, and The Campbell Center.
- Kaiser PermanenteflagshipKaiser Permanente partnered with Change Machine in July 2022 with a $2.5 million grant to embed financial coaching in 190 social service organizations across California, Colorado, D.C., Georgia, Hawaii, Maryland, Oregon, Virginia, and Washington. The initiative served more than 50,000 families, completed nearly 20,000 financial coaching actions, and generated $1 million+ in client savings through organizations like Neighborhood Partnership Housing Services. Now in phase two, expanding practitioner training and onboarding.
- Prosperity NowflagshipProsperity Now and Change Machine merged in 2025 to expand financial coaching services. The combined entity operates the Prosperity Next initiative together with Credytu, developing an AI-powered platform for CDFIs and small business lenders to broaden asset-building program reach and drive financial inclusion for underserved communities, particularly communities of color.
- CredytucoreCredytu is co-developing the Prosperity Next AI-powered platform with Change Machine and Prosperity Now. The platform is designed for CDFIs and small business lenders to improve operational efficiency and expand asset-building programs. Change Machine integrates advanced data collection tools into the platform.
- United Way WorldwidecoreUnited Way Worldwide partnered with Change Machine on the Tax Truths research initiative, surveying approximately 200,000 tax filers and conducting environmental scans of fintech products. United Way's MyFreeTaxes.com platform is featured in Change Machine's recommendation engine as a vetted free tax filing tool.
- SalesforcecoreChange Machine is a registered ISV partner on the Salesforce AppExchange. The COACH module is a native Salesforce application. The partnership provides Change Machine with data security, platform development support, and access to Salesforce's ecosystem of nonprofit customers. Change Machine pays a percentage of revenue to Salesforce for app sales through the AppExchange.
- TwiliocoreChange Machine embeds Twilio's text messaging functionality within its platform, enabling coaches to send appointment reminders and stay in touch with clients. This feature is particularly valued by partner organizations for client engagement and retention.
Scale indicators17 records
Recent moves6 records
Expansion highlights6 records
Change Machine competitors and assessment
Company assessmentDirect peers
- Findhelp (formerly Aunt Bertha): Findhelp is a social services network connecting people to assistance programs, with strong adoption among nonprofits, government agencies, and healthcare organizations. It targets the same social determinants of health market that Change Machine serves via its Kaiser Permanente partnerships.
- EverFi: EverFi (now part of InStride) provides digital financial education, including financial literacy courses used by nonprofits, employers, and educational institutions. Its LEARN-style content library and training delivery are directly comparable to Change Machine's LEARN module.
- SaverLife: SaverLife is a nonprofit that provides savings programs and financial coaching tools to low-to-moderate income Americans. It competes directly with Change Machine's target beneficiary population and combines technology, peer community, and financial product recommendations.
- Bonterra (formerly Social Solutions / Network for Good): Bonterra provides nonprofit case management, outcomes tracking, and CRM software (Apricot, ETO) to social service organizations. It is the closest direct competitor to Change Machine's COACH CRM in serving the same nonprofit customer base with similar outcomes-tracking functionality.
- Money Management International (MMI): MMI is a nonprofit credit counseling agency offering financial counseling, housing counseling, and debt management programs. It serves the same LMI consumer segment and provides comparable financial coaching and education services.
- GreenPath Financial Wellness: GreenPath is a national nonprofit providing financial counseling, debt management, and financial wellness services. It serves a similar low-income consumer base with coaching, education, and credit counseling offerings comparable to Change Machine's financial coaching model.
Broad incumbents
- Unite Us: Unite Us is a technology company building coordinated care networks connecting health and social services. It is a broad incumbent in the social determinants of health space where Change Machine is gaining traction through healthcare partnerships like Kaiser Permanente.
- Salesforce Nonprofit Cloud: Salesforce's nonprofit program offers a free CRM and program management suite to nonprofits. It is both a distribution partner and a potential broad incumbent competitor that could expand its native financial coaching and outcomes tracking features.
Emerging players
- Commonwealth: Commonwealth is a nonprofit focused on building financial security and wealth for households with low to moderate incomes through research, programs, and partnerships. It overlaps with Change Machine in the financial coaching and capability-building mission space.
- Brightside (formerly FlexWage): Brightside is a financial wellness platform combining earned wage access, coaching, and AI-driven financial guidance for underbanked workers. It targets the same employer-channel and LMI beneficiary market with an adjacent technology-enabled coaching model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Change Machine social profiles
Digital presenceChange Machine financial estimates
Financial estimateRevenue estimate
Valuation estimate
Change Machine leadership team
Management profileNumber of profiles
Profiles1 record
Change Machine funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Change Machine M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Change Machine
What does Change Machine do?
Change Machine provides a Salesforce-based SaaS platform that enables nonprofit organizations, government agencies, and financial institutions to deliver financial coaching to low-income communities. The platform bundles three modules — SHARE (peer community), LEARN (training with 30+ courses and 150+ tools), and COACH (CRM for tracking client financial outcomes) — complemented by a Seal of Inclusivity-vetted fintech Recommendation Engine and implementation/training services.
Is Change Machine a public or private company?
Change Machine is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Change Machine founded?
Change Machine was founded in 2005. It employs 11 to 50 people.
Where is Change Machine based?
Change Machine is headquartered in Brooklyn, United States, in the North America region.
How does Change Machine make money?
Three revenue lines are on record. Platform SaaS Subscriptions are the primary driver. The others are professional Services & Training and cy Pres Awards.
Who are Change Machine's main competitors?
Direct peers on record are Findhelp (formerly Aunt Bertha), EverFi, SaverLife, Bonterra (formerly Social Solutions / Network for Good), Money Management International (MMI) and GreenPath Financial Wellness. Broad incumbents are Unite Us and Salesforce Nonprofit Cloud. Emerging players are Commonwealth and Brightside (formerly FlexWage).
Does Change Machine have an API?
No public API is recorded for Change Machine.
What industry is Change Machine in?
Change Machine's product category is Financial Coaching Software for Nonprofits. Its primary akta.pro industry code is BPAEAGAN, Enterprise Application Training, Change Management & Adoption Services, with a secondary code of BPACAJAD, Change Management & Transformation (Org/HR). Its NAICS code is 61142 and its SIC code is 7372.