SpringFour
SpringFour operates a SaaS platform connecting consumers to a vetted database of 25,000+ nonprofit and government financial health resources. The company serves enterprise banks, credit unions, fintech lenders, mortgage servicers, employers, and nonprofits across the United States.
- Company typePrivate
- Founded2005
- HeadquartersChicago, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What SpringFour does
SpringFour is a U.S.-based social impact fintech, founded in 2005 by Rochelle Nawrocki Gorey and Dr. J. Michael Collins, that operates a SaaS platform connecting consumers to a curated database of 25,000+ vetted nonprofit and government financial health resources spanning 700+ markets and 25+ categories including food assistance, utilities, housing, healthcare, employment, and financial counseling. The company sells to enterprise buyers — banks, credit unions, fintech lenders, mortgage servicers and insurers, employers, and nonprofit counseling agencies — with marquee customers including BMO, Capital One, Wells Fargo, Fifth Third, Ally, KeyBank, Citizens, Golden 1 Credit Union (1.1M+ members), MSUFCU (367K+ members), and fintechs such as OppFi, Self, and Oportun.
Its product suite comprises three core delivery channels: S4connect, a low-code, co-branded digital experience embedded into client websites and apps; S4direct, a hosted digital self-service platform connecting users to 27,000+ cost-saving resources; and S4pro, a cloud-based tool for contact center and live agent-assisted conversations. Additional offerings include SpringFour for Debt Manager — an integration with C&R Software's debt collections platform — and agentic AI-ready data and APIs designed to plug into AI assistants and chatbots that detect customer hardship and trigger referrals in real time. Underlying technology includes ZIP code-based resource matching, a curated knowledge base maintained by an internal Resource Integrity team, and APIs enabling AI-native integrations.
SpringFour generates revenue through annual subscription licensing of its SaaS platform under quote-based, non-publicly-disclosed pricing, selling direct to enterprise financial institutions via a sales-led motion. The company reported 8.5M+ financial health referrals in 2024 (a 54% increase from 5.5M in 2023), 90% client retention, and over 5x ROI for clients. In September 2024, SpringFour was acquired by C&R Software (a CORA Group company and subsidiary of Constellation Software Inc.), which is integrating the platform into its Debt Manager collections product; the company continues to operate as a subsidiary under its brand, with Rochelle Gorey as CEO and Cassandra Compton as Chief Product Officer.
SpringFour firmographics
Firmographics- Name
- SpringFour
- Legal name
- MortgageKeeper Referral Services Inc.
- Website
- https://springfour.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- SpringFour operates a SaaS platform connecting consumers to a vetted database of 25,000+ nonprofit and government financial health resources. The company serves enterprise banks, credit unions, fintech lenders, mortgage servicers, employers, and nonprofits across the United States.
- Ownership category
- akta.pro rank
SpringFour industry classification
Industry- Product category
- Financial Health SaaS
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Financial Coaching & Budgeting Advisory (FSAEAAAH)
- akta.pro secondary industries
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Early-Stage / Soft Collections (Pre-Delinquency, Reminders) (BPAAAEAC)
Keywords
Where SpringFour is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
SpringFour business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- SaaS Platform Licensing: SpringFour generates revenue by licensing its software platform to organizations including banks, credit unions, fintech lenders, mortgage servicers, employers, and nonprofits. Organizations pay licensing fees to embed financial health referral solutions into their existing customer experiences. The company does not sell customer data or receive payment from nonprofits and government programs listed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS licensing with customized deployment options |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels10 records
SpringFour product offering
Product offeringCore offering
SpringFour is a SaaS financial health referral platform that enables banks, credit unions, fintech lenders, mortgage servicers, employers, and nonprofits to connect consumers experiencing financial hardship to a curated database of 25,000+ vetted nonprofit and government resources across 700+ U.S. markets. The platform is delivered through three core products — S4connect (embedded co-branded digital experience), S4direct (self-service site with analytics), and S4pro (contact center lookup tool) — plus integration with C&R Software's Debt Manager and agentic AI-ready APIs.
Product overview
SpringFour is a SaaS-based financial health referral platform that delivers a unified suite of products enabling organizations to connect consumers to vetted nonprofit and government financial health resources. The product portfolio includes three core delivery channels: S4connect (low-code, co-branded digital experience for customer self-service), S4direct (fully rebuilt digital platform with real-time data and analytics), and S4pro (cloud-based contact center tool for agent-assisted conversations). Additional offerings include integration with C&R Software's Debt Manager and agentic AI-ready data tools. All products draw from a common database of 25,000+ vetted resources across 25+ financial health categories including food assistance, utilities, housing, healthcare, and employment, enabling measurable outcomes such as 2-10x increase in repayment rates and $1,000 reduction in annual net credit losses per customer.
Differentiator
Problem solved
Functional benefit
Brands
- S4connect: A low-code, co-branded digital experience embedded in websites and apps so customers can search for help on their own.
- S4direct
- S4pro
Products and services
- S4connect A low-code, co-branded digital experience embedded in client websites and apps so customers can search for help on their own; an all-in-one self-serve financial wellness solution typically deployed in under 30 days.
- S4direct A fully rebuilt digital self-service platform connecting customers to 27,000+ cost-saving resources with real-time data and analytics, reporting 37% visit-to-search conversion and 12% resource-opening rates.
- S4pro A cloud-based platform for contact centers and customer-facing teams that gives agents an easy tool to find local vetted resources during live conversations, designed to improve customer service outcomes and reduce delinquencies.
- SpringFour for Debt Manager SpringFour integration embedded within C&R Software's Debt Manager, a comprehensive debt collections platform covering the full risk lifecycle, bringing vetted financial health resources directly into the collections and debt recovery workflow.
Quantifiable outcome
- 8.5 million+ financial health referrals delivered in 2024
- +7 more outcomes
Companies that use SpringFour
Customer profileNamed customers25 records
Segments5 records
Ideal customer profiles5 records
SpringFour technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability4 records
Feature6 records
SpringFour partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core, notable and minor.
- Enact Mortgage InsurancecorePartnership announced January 9, 2025 to provide financial health tools to borrowers from 1,800 lenders nationwide. Enact provides S4connect to delinquent borrowers, giving them access to 23,500+ vetted resources for home repair, food assistance, heating & utilities savings, disaster relief, and more.
- C&R SoftwarecoreC&R Software acquired SpringFour in September 2024. The deal maintains SpringFour's brand and leadership while enabling both companies to enhance their services. C&R Software is a CORA Group company and subsidiary of Constellation Software Inc. SpringFour is now integrated into C&R Software's Debt Manager platform, the world's leading SaaS debt collection and recovery platform managing $8 trillion in debt.
- MSU Federal Credit Union (MSUFCU)coreMSUFCU partnered with SpringFour to bring S4connect to its 367,000+ members. Initially launched as a pilot program with select members, the extended partnership now provides all members access to financial wellness resources including student loan support, rental assistance, food and utilities savings.
- Golden 1 Credit UnionnotableGolden 1 Credit Union (1.1+ million members) partners with SpringFour to provide members with personalized financial health resources. Golden 1 directed members to SpringFour during tax season and the government shutdown for rent relief, food assistance, and essential savings programs.
- OppFicoreOppFi partnered with SpringFour to deliver 173,792 financial health referrals to customers in 2025. During the federal government shutdown, OppFi launched a campaign connecting customers to SpringFour resources, achieving 44% email open rates and 5,000+ searches for local resources.
- BMOcoreBMO has been using SpringFour since 2018 as an integral element of their financial wellness solutions. BMO's Head of North America Collections reported multi-million-dollar savings from avoiding losses for both consumers and BMO.
- Capital OnecoreCapital One partnered with SpringFour to provide flexible integration of resources into customer experiences. Capital One's Director of Mainstreet Financial Health Team praised SpringFour's responsiveness and positive approach.
- Fifth Third BankcoreFifth Third integrated SpringFour into their Financial Empowerment Mobile (eBus) program, bringing financial services to underserved communities across their 11-state footprint. Thousands of financial health referrals delivered in categories including food savings, housing counseling, and rental resources.
- SelfcoreSelf passed 3 million referrals to SpringFour's resources through their marketplace, helping customers with food insecurity, utilities information, and affordable rental assistance.
- OportuncoreOportun and SpringFour delivered more than 68,000 financial health referrals to Oportun members in 2023. Partnership supports lower-income families with resources for food assistance, rental aid, employment, and healthcare.
- Patelco Credit UnionnotablePatelco Credit Union provides SpringFour resources to members to support them during financial challenges. Partnership highlighted by Patelco's Chief Innovation Officer for instrumental support during economic ups and downs.
- Credit FreshminorCredit Fresh directed customers to SpringFour as part of practical guidance on lowering utility costs and fighting inflation.
- Wells FargonotableWells Fargo provides SpringFour financial health resources to customers as part of their financial wellness offerings.
- Freedom MortgageminorFreedom Mortgage offers SpringFour financial health resources to mortgage customers.
- Ally BankminorAlly Bank provides SpringFour financial health resources to banking customers.
- Lending ClubminorLending Club offers SpringFour financial health resources to customers.
- Mission LaneminorMission Lane provides SpringFour financial health resources to customers.
- EnovaminorEnova partnered with SpringFour to improve families' financial health, helping customers through the COVID crisis and beyond.
- AvantminorAvant offers SpringFour financial health resources to customers.
- KeyBankminorKeyBank provides SpringFour financial health resources to customers.
- CitizensminorCitizens provides SpringFour financial health resources to customers.
- Balance (National Housing Resource Center)minorBalance uses SpringFour resources with counseling clients to address overall financial health and reduce household expenses.
- MMI (Money Management International)minorMMI partnered with SpringFour to help renters maintain housing security through the COVID crisis.
- ZogominorSpringFour resources are promoted alongside Zogo app (financial literacy platform) as part of OppFi's Financial Capability Month campaigns. OppFi delivered 18,297 financial literacy modules on the Zogo app with triple reward points.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
SpringFour competitors and assessment
Company assessmentDirect peers
- BrightPlan: BrightPlan is a financial wellness SaaS platform serving employers and financial institutions with planning, education, and guidance tools. Like SpringFour, it sells into enterprises that want to improve customer/employee financial health outcomes, but focuses more on holistic planning than curated resource referrals.
- LearnLux: LearnLux is a financial wellness platform for employers and employees, combining personalized guidance, certified planners, and educational content. It is comparable to SpringFour as a B2B SaaS selling financial wellness into enterprises with measurable ROI claims around employee financial health.
- Origin: Origin provides financial wellness benefits to employees, including budgeting, savings, and student loan support. It targets employers and partners with HR platforms, paralleling SpringFour's employer and credit union channels with a focus on action-oriented financial guidance.
- Financial Finesse: Financial Finesse delivers employer-sponsored financial wellness programs through financial coaches and educational content. Like SpringFour, it sells to enterprise HR/benefits buyers and emphasizes measurable financial outcomes, but emphasizes human coaching over technology-led resource matching.
- Enrich Financial Wellness: Enrich is a financial wellness platform for employees that provides education, planning tools, and personal coaching. It competes with SpringFour in the employer/HR channel and similarly markets measurable improvements in financial stress and productivity.
- FinFit: FinFit provides employee financial wellness programs including earned wage access, financial coaching, and budgeting tools. It targets the same employer and financial institution buyers as SpringFour, with similar value propositions around reducing financial stress and improving retention.
Broad incumbents
- MoneyLion: MoneyLion is a broader consumer fintech platform offering banking, lending, investing, and financial content/services. It overlaps with SpringFour's fintech lender customers and financial wellness positioning, but operates a full-stack consumer finance business rather than a B2B SaaS resource referral layer.
- SmartAsset: SmartAsset is a large consumer-facing financial decision platform (advisors, mortgages, banking) with a smaller fintech/enterprise arm. It is comparable in the sense of helping consumers navigate financial decisions and is increasingly building tools for financial institutions, but its primary business is consumer lead generation rather than curated hardship resources.
Emerging players
- Dave: Dave is a consumer banking and earned wage access app that helps users avoid overdrafts and access small advances. It is comparable as a digital channel for consumer financial assistance, but addresses hardship through direct cash advances rather than curated nonprofit/government resource referrals.
- Zogo Finance: Zogo is a financial literacy platform that partners with banks and fintechs to deliver bite-size education modules (and is explicitly a SpringFour partner via OppFi). It is comparable as a fintech partner to financial institutions focused on customer financial health, though it focuses on education rather than resource referrals.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SpringFour social profiles
Digital presenceSpringFour financial estimates
Financial estimateRevenue estimate
Valuation estimate
SpringFour leadership team
Management profileNumber of profiles
Profiles8 records
SpringFour funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SpringFour 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 SpringFour
What does SpringFour do?
SpringFour is a SaaS financial health referral platform that enables banks, credit unions, fintech lenders, mortgage servicers, employers, and nonprofits to connect consumers experiencing financial hardship to a curated database of 25,000+ vetted nonprofit and government resources across 700+ U.S. markets. The platform is delivered through three core products — S4connect (embedded co-branded digital experience), S4direct (self-service site with analytics), and S4pro (contact center lookup tool) — plus integration with C&R Software's Debt Manager and agentic AI-ready APIs.
Is SpringFour a public or private company?
SpringFour is a private company. It is classified as corporate owned and is currently operating.
When was SpringFour founded?
SpringFour was founded in 2005. It employs 1 to 10 people.
Where is SpringFour based?
SpringFour is headquartered in Chicago, United States, in the North America region.
How does SpringFour make money?
One revenue line is on record: saaS Platform Licensing.
Who are SpringFour's main competitors?
Direct peers on record are BrightPlan, LearnLux, Origin, Financial Finesse, Enrich Financial Wellness and FinFit. Broad incumbents are MoneyLion and SmartAsset. Emerging players are Dave and Zogo Finance.
Does SpringFour have an API?
Yes. SpringFour offers APIs and data products that enable integration into AI-native and agentic workflows. The company's data, products, and integrations are designed to plug into AI-native and agentic workflows so that AI assistants and chatbots can detect hardship and trigger referrals to relevant local resources in real time. SpringFour's product suite includes innovative contact center tools, digital self-service products, and APIs.
What industry is SpringFour in?
SpringFour's product category is Financial Health SaaS. Its primary akta.pro industry code is FSAEAAAH, Financial Coaching & Budgeting Advisory, with a secondary code of FSAKAJAH, Credit Counseling & Debt Management Plans (DMP). Its NAICS code is 513210 and its SIC code is 7372.