RISE
RISE is an online lending platform offering $500–$5,000 installment loans to U.S. consumers with less-than-perfect credit, underwritten and funded through bank partners Capital Community Bank and FinWise Bank.
- Company typePrivate
- Founded2012
- HeadquartersFort Worth, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What RISE does
RISE, founded in 2012 and headquartered in Fort Worth, Texas, is an online lending platform that offers personal installment loans ranging from $500 to $5,000 to U.S. consumers with less-than-perfect credit. The company runs a direct-to-consumer, fully digital application process accessible through risecredit.com, with credit decisions returned within minutes and funds deposited to the borrower's checking account as soon as the next business day. RISE reports cumulative loan originations of more than $5.3 billion across more than twelve years of operation, and operates as a private company with 11–50 employees based on disclosed headcount ranges.
The platform is funded through chartered bank partners — Capital Community Bank and FinWise Bank — which hold the lending license, underwrite applications, approve and fund the loans, while RISE handles marketing, customer acquisition, and loan servicing. RISE's product surface comprises a core RISE Personal Loan product plus specialized verticals (Cash Loans, Medical Loans, Emergency Loans, Debt Consolidation, Auto Repair Financing, Renovation Loans, Bad Credit Loans, and Installment Loans), and a free add-on service called Credit Score Plus that delivers TransUnion VantageScore monitoring and alerts. Key product features include soft-credit eligibility checks that do not affect FICO, a 5-Day Risk-Free Guarantee allowing principal-only rescission, no prepayment penalties, flexible payment scheduling, and credit-bureau reporting of payment history.
Revenue is generated primarily through interest charges and fees on installment loans, with rates and terms customized to each borrower. The go-to-market is product-led: an educational blog, free credit-monitoring tooling, and SEO capture organic top-of-funnel demand; the soft-credit eligibility check is the conversion lever into the application flow. The company is available in most U.S. states (subject to state-by-state availability), and carries an estimated 4.4 out of 5 Trustpilot rating across roughly 3,700–5,500 reviews.
RISE firmographics
Firmographics- Name
- RISE
- Legal name
- RISE
- Website
- https://risecredit.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- RISE is an online lending platform offering $500–$5,000 installment loans to U.S. consumers with less-than-perfect credit, underwritten and funded through bank partners Capital Community Bank and FinWise Bank.
- Ownership category
- akta.pro rank
RISE industry classification
Industry- Product category
- Online Consumer Installment Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where RISE is headquartered
LocationHeadquarters
- HQ city
- Fort Worth
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
RISE business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Personnel, Operations, Technology or R&D, Others
Revenue model
- Personal Installment Loans: RISE offers personal installment loans ranging from $500 to $5,000 with fixed repayment terms. Revenue is generated through interest charges and fees on these loans. Loans are structured with fixed monthly payments over a set period. The company partners with Capital Community Bank and FinWise Bank who underwrite, approve, and fund the loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | Cash loans from $500 to $5,000 for borrowers with less-than-perfect credit |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
RISE product offering
Product offeringCore offering
RISE provides online personal installment loans ranging from $500 to $5,000 to consumers with less-than-perfect credit, delivered through a fully digital application with rapid approval decisions and next-business-day funding. Loans are underwritten, approved, and funded by partner banks Capital Community Bank and FinWise Bank, while RISE manages the customer experience, marketing, and servicing, including a free Credit Score Plus monitoring service and on-time payment reporting to credit bureaus.
Product overview
RISE is an online lending platform offering personal installment loans ranging from $500 to $5,000 primarily serving borrowers with less-than-perfect credit. The core product is the RISE Personal Loan, supported by a suite of specialized loan products including Cash Loans, Medical Loans, Emergency Loans, Debt Consolidation Loans, Auto Repair Financing, and Renovation Loans. Additional offerings include the Credit Score Plus service for free credit monitoring. The company operates through bank partners (Capital Community Bank and FinWise Bank) and emphasizes fast online applications with next-day funding, flexible repayment terms, and a 5-day risk-free guarantee.
Differentiator
Problem solved
Functional benefit
Brands
- Credit Score Plus: Free credit score monitoring service offered to RISE customers, providing access to TransUnion VantageScore and credit monitoring alerts.
Products and services
- RISE Personal Installment Loans Online personal installment loans ranging from $500 to $5,000 with fixed monthly payments, for individual borrowers with less-than-perfect credit who have been declined by traditional banks. Repayment terms are flexible, decisions are typically provided within minutes, and funds can be deposited to a checking account as soon as the next business day when approved before 6 p.m. ET. Underwritten, approved, and funded by Capital Community Bank or FinWise Bank in states where RISE partners with banks.
- Credit Score Plus Free credit score monitoring and alerts service using TransUnion VantageScore, providing customers with free access to credit checks and credit monitoring alerts as part of the RISE platform.
- $500 to $1,000 Personal Loans (sub-prime tier) Small personal installment loans of $500 to $1,000 for borrowers with fair-to-poor credit scores in the 500–600 range who have been turned down by traditional lenders.
- $5,000 Personal Loans Larger $5,000 personal installment loans for significant unexpected expenses such as car repairs, home repairs, or medical bills.
Quantifiable outcome
- Over $5.3 billion in loans originated
- +3 more outcomes
Companies that use RISE
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles1 record
RISE technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
RISE partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
RISE competitors and assessment
Company assessmentDirect peers
- OppFi: OppFi (operates OppLoans) provides direct-to-consumer installment loans to subprime borrowers online, mirroring RISE's core product, target customer, and bank-partner origination model. One of the closest direct competitors in the online subprime installment lending space.
- Possible Finance: Possible Finance offers small-dollar installment loans to subprime borrowers via a mobile app, with a similar focus on credit-building and transparent terms. Comparable in target market and loan size profile to RISE.
- LendUp: LendUp provides online installment loans and a credit-building ladder aimed at subprime consumers who are bankless or underbanked. Direct overlap with RISE on customer segment and digital delivery, though currently a smaller originator.
- CashNetUSA: CashNetUSA, owned by Enova International, offers online installment and payday loan products to subprime and credit-challenged consumers. Closely comparable on product set, customer profile, and online direct-to-consumer distribution.
Broad incumbents
- OneMain Financial: OneMain is a large, established personal installment lender serving near-prime and subprime borrowers across the U.S. with both online and branch channels. It addresses the same credit-challenged customer that RISE serves, but at materially larger scale and broader product set.
- LendingClub: LendingClub offers online personal installment loans through a bank-partner model to a broad consumer base. Overlaps RISE on digital origination, fixed-term installment structure, and reliance on partner bank balance sheet, though it targets a more prime customer.
Emerging players
- Upstart: Upstart is an AI-driven lending marketplace that originates personal loans including to borrowers with thin or non-prime credit. Comparable on the online, technology-led underwriting of personal installment loans, though its customer mix skews more prime than RISE's.
- Prosper Marketplace: Prosper operates an online personal loan marketplace with bank-partner origination, serving borrowers across the credit spectrum. Comparable business model and product (fixed-term personal installment loans), though its positioning is broader and less subprime-focused than RISE.
Regional players
- Mariner Finance: Mariner Finance is a large installment lender specializing in personal loans to near- and subprime borrowers, primarily through a branch network. Comparable on product and customer segment, but its distribution is branch-heavy and concentrated in specific U.S. regions rather than purely online.
Others
- Even Financial: Even Financial operates a lending marketplace that routes consumer loan applicants to lender partners, including subprime personal loan providers. Adjacent rather than direct: it is a distribution channel that competes for the same borrower traffic that RISE captures through organic search and direct site visits.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
RISE social profiles
Digital presenceRISE financial estimates
Financial estimateRevenue estimate
Valuation estimate
RISE leadership team
Management profileNumber of profiles
RISE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RISE 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 RISE
What does RISE do?
RISE provides online personal installment loans ranging from $500 to $5,000 to consumers with less-than-perfect credit, delivered through a fully digital application with rapid approval decisions and next-business-day funding. Loans are underwritten, approved, and funded by partner banks Capital Community Bank and FinWise Bank, while RISE manages the customer experience, marketing, and servicing, including a free Credit Score Plus monitoring service and on-time payment reporting to credit bureaus.
Is RISE a public or private company?
RISE is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RISE founded?
RISE was founded in 2012. It employs 11 to 50 people.
Where is RISE based?
RISE is headquartered in Fort Worth, United States, in the North America region.
How does RISE make money?
One revenue line is on record: personal Installment Loans.
Who are RISE's main competitors?
Direct peers on record are OppFi, Possible Finance, LendUp and CashNetUSA. Broad incumbents are OneMain Financial and LendingClub. Emerging players are Upstart and Prosper Marketplace. Mariner Finance is listed as a regional player. Even Financial is listed as an others.
Does RISE have an API?
No public API is recorded for RISE.
What industry is RISE in?
RISE's product category is Online Consumer Installment Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 522 and its SIC code is 6141.