Tilt (formerly Empower)

Name

Tilt (formerly Empower)

Legal name

Tilt Finance, Inc.

Website

https://tilt.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Alternative Credit Services

NAICS

Nondepository Credit Intermediation (5222), Credit Card Issuing (522210), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

akta.pro secondary industries

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

Keywords

• Cash advance services
• Credit building cards
• Alternative credit underwriting
• Consumer fintech lending
• Line of credit products

Headquarters

HQ city

San Francisco

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, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Revenue: Monthly subscription fee of $8/month charged to customers. First-time customers get a 14-day trial before being charged. Returning customers charged $8 immediately. Cash Advance customers required to have subscription.
2. Credit Card Interchange: Revenue from interchange fees on credit card transactions across Tilt Engage, Motion, and Essentials cards issued by WebBank
3. Instant Delivery Fees: Optional fees for instant cash delivery: $1-$7 based on advance amount, or 3% for advances of $300 or more. Standard ACH delivery is free.
4. Annual Membership Fees: Tilt Engage card charges $59 annual membership fee. Tilt Motion and Essentials cards have no annual fee.
5. Credit Product Interest: 35.99% APR on Line of Credit for non-paycheck repayment. Variable Purchase APR of 28.74%-34.24% on credit cards. 0% APR available when repaying Line of Credit on next payday.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Tilt is a consumer fintech platform that provides cash advances ($10–$400), lines of credit ($200–$1,000), and credit cards (Essentials, Motion, Engage) targeted at US consumers with poor or limited credit history. It uses an alternative underwriting engine that evaluates 250+ non-traditional financial signals via bank linking to approve customers traditional lenders decline. Banking services such as Tilt AutoSave and Tilt Checking are delivered through partner bank nbkc bank, while credit products are issued through WebBank and FinWise Bank.

Product overview

Tilt is a financial technology platform offering an integrated suite of credit products for consumers with limited or damaged credit histories. The core portfolio includes three distinct product lines: Cash Advances (up to $400 with no credit check), Lines of Credit ($200–$400 initial with growth potential to $1,000), and Credit Cards (Essentials, Motion, and Engage cards with cash back rewards). These products are complemented by banking services (AutoSave savings and Checking accounts) through partner nbkc bank, and credit card issuance through WebBank. Tilt differentiates through alternative underwriting that evaluates 250+ non-traditional financial signals rather than relying solely on credit scores. The company has expanded internationally through acquisitions of Petal (US credit cards, Richmond-based) and Cashalo (Philippines credit services). All products report payment history to major credit bureaus to help users build credit.

Differentiator

Problem solved

Functional benefit

Brands

• Tilt Essentials Card: A credit card offering 1% cash back on all purchases and 3% cash back on gas and groceries with AutoPay, issued by WebBank.
• Tilt Motion Card
• Tilt Engage Card
• Tilt Cash Advance
• Tilt Line of Credit
• Petal Card

Products and services

• Tilt Cash Advance Cash advance service providing $10–$400 instantly with no credit check, no interest, and no late fees; repayment aligned to the customer's detected paycheck date, available to US consumers outside Connecticut, Maine, and Washington D.C.
• Tilt Line of Credit Flexible revolving credit line starting at $200–$400 with potential to grow to $1,000 over time with on-time payments, issued by FinWise Bank. Offers 0% APR when repaid on next payday and 35.99% APR for installment or custom-date repayment.
• Tilt Essentials Card No-annual-fee credit building card offering 1% cash back on all purchases and 3% on gas and groceries when AutoPay is enabled, with automatic credit limit increases and mobile wallet support, issued by WebBank.
• Tilt Motion Card Unsecured credit card with no annual fee and no security deposit, designed for consumers rebuilding credit, earning 1%–10% cash back at select merchants and reporting to all three major credit bureaus, issued by WebBank.
• Tilt Engage Card Credit-building card with a $59 annual membership fee, no security deposit required, 1%–10% cash back at select merchants, and the ability to receive credit limit increases as early as 4 months, issued by WebBank.
• Tilt AutoSave Automated savings account powered by Tilt AI that analyzes users' finances and saves only what they can afford; provided by nbkc bank, Member FDIC, with FDIC-insured balances.
• Tilt Checking Checking account with a debit card issued by nbkc bank, Member FDIC, supporting transfers and direct deposit functionality, with balances insured up to $250,000 per depositor.
• Petal Credit Cards Consumer credit card products acquired through Empower/Tilt's purchase of Petal in April 2024, retaining Petal 1, Petal 1 Rise, and Petal 2 cardholder agreements and the Petal sub-brand for credit-building consumers.

Quantifiable outcome

• 51% of customers approved via tilt.com were denied credit elsewhere
• +3 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• PetalcoreOthers · 9 April 2024Acquired by Empower (now Tilt) in 2024. Petal was a fintech company specializing in consumer credit cards based in Richmond, valued at $800 million in early 2022. Approximately 100 employees transferred to Tilt. Deal expected to close in Q2 2024.
• CashalocoreOthers · 9 April 2024Acquired by Empower (now Tilt) in 2024. Cashalo was a credit company in the Philippines, representing expansion into Southeast Asian credit markets.
• nbkc bankcoreOthersBanking services partner providing Tilt Checking account and Tilt AutoSave. Debit card issued by nbkc bank, Member FDIC. All balances held with nbkc bank are insured up to $250,000 per depositor through FDIC.
• WebBankcoreOthersIssuing bank for Tilt Credit Cards (Engage, Motion, and Essentials). WebBank issues credit cards under Tilt brand and manages card terms and conditions.
• FinWise BankcoreOthersIssuing bank for Tilt Line of Credit product. FinWise Bank provides the credit facility that Tilt distributes to consumers.
• Plaid TechnologiescoreTechnology or IntegrationBank account linking technology that allows Tilt to access and analyze consumer financial data from their connected bank accounts for underwriting purposes.
• Stripe, Inc.coreTechnology or IntegrationPayment processing partner powering instant delivery of cash advances. Stripe's services enable near-instant fund disbursement to customer accounts.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Klover: Klover is another cash advance app using bank-linking data to offer no-credit-check advances, competing head-to-head with Tilt Cash Advance for the same gig and salaried worker segment.
• Dave: Dave is a direct competitor offering no-credit-check cash advances up to $500 with a $1/month membership model and a growing banking and credit-building product suite. Like Tilt, it targets underbanked consumers and has scaled to millions of users, recently completing a public listing.
• Earnin: Earnin pioneered the earned wage access category that Tilt's Cash Advance competes in, allowing users to access wages before payday with no mandatory fees. Both companies target the same underbanked, paycheck-to-paycheck consumer segment using bank-linking data for underwriting.
• MoneyLion: MoneyLion offers a multi-product platform combining cash advances, credit building, personal loans, and banking for underbanked consumers. The integrated product mix and underserved-customer focus closely parallels Tilt's Cash Advance + Line of Credit + Credit Card + Banking stack.
• Brigit: Brigit is a direct competitor in the cash advance / financial wellness category, offering no-interest advances up to $250 and credit-building tools. Like Tilt, Brigit relies on bank-linking underwriting and a subscription-based revenue model targeting paycheck-to-paycheck consumers.
• Possible Financial: Possible Financial offers small-dollar cash advances with a credit-building twist, reporting payments to credit bureaus. Its direct overlap with Tilt's Cash Advance and credit-building mission makes it a close functional peer.
• Self: Self offers credit-builder loans and secured credit cards targeting underbanked consumers building credit history. Its focus on credit building for thin-file borrowers overlaps with Tilt's Motion and Engage card value proposition.
• Albert: Albert combines cash advances with automated savings, budgeting, and credit monitoring — a product mix that closely mirrors Tilt's Cash Advance plus Tilt AI AutoSave plus credit monitoring stack.

Broad incumbents

• Credit Karma (Intuit): Credit Karma is a broad incumbent in credit monitoring and lending referrals, serving a large underbanked audience and recommending credit cards and personal loans. Its scale and Intuit backing make it both a partner channel and an indirect competitive threat to Tilt's acquisition funnel.
• Chime: Chime is a major neobank that has expanded into credit building, cash advances (MyPay), and early direct deposit for the same underbanked segment Tilt serves. Its scale and brand recognition make it a broad incumbent competing across multiple of Tilt's product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tilt
• YouTubeyoutube.com/@tilthq
• LinkedInlinkedin.com/company/tilthq
• Instagraminstagram.com/tilthq

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors11 records

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

M&A3 records

Investments

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

Frequently asked questions about Tilt (formerly Empower)