Neighborhood Trust Financial Partners

What Neighborhood Trust Financial Partners does

Neighborhood Trust Financial Partners is a 501(c)(3) nonprofit social enterprise founded in 1995 (originally as Credit Where Credit Is Due) and headquartered in New York City, focused on financial security for low-wage workers earning a median $10.22/hour. The organization operates three primary programs: TrustPlus, an employee financial wellness benefit pairing workers with one-on-one financial coaches via phone, video, SMS, and a digital platform; Pathways to Financial Empowerment, a licensed methodology and proprietary outcomes-tracking platform distributed to 30+ community development credit unions through the Inclusiv network; and NYC Financial Empowerment Centers, a public-private partnership with the NYC government providing free coaching across all five boroughs. The technology stack is purpose-built, centered on a proprietary financial coaching methodology, a pathways outcomes tracking platform with real-time dashboards and SMS engagement templates (including in Spanish), a TrustPlus digital platform with budgeting tools and credit report linkages, and the 2025-launched Financial Snapshot dashboard, which introduces AI-enabled dynamic product recommendations.

The organization serves four customer segments: low-wage workers as primary constituents; employers purchasing TrustPlus as a no-cost-to-employee benefit; credit unions licensing Pathways methodology and platform (tiered $5,400-$15,800 annual pricing based on assets); and government/public-sector clients such as the City of New York. Revenue is derived from employer contracts, credit union subscription licenses, individual and institutional donations, and foundation grants from organizations including the Target Foundation, MetLife Foundation, Carson Family Charitable Trust, Zegar Family Foundation, Wells Fargo Foundation, and Santander Bank, with additional B2B2C distribution through FinTech integrations (e.g., Landed). Cumulative outcomes include $131M in debt reduced since national expansion in 2012, with 2025 client volume of 8,448 across all programs and 83% of clients reporting reduced financial stress.

Name

Neighborhood Trust Financial Partners

Legal name

Neighborhood Trust Financial Partners, Inc.

Website

https://neighborhoodtrust.org

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

Neighborhood Trust Financial Partners is a nonprofit social enterprise that provides financial coaching, debt management, and credit-building services to low-wage workers via employer benefits, credit union licensing, and government partnerships in New York City and nationwide.

Ownership category

akta.pro rank

Product category

Financial Coaching and Wellness Services

SIC

Investment Advice (6282)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Community Development & Affordable Housing Funds (FSANAJAK)

Keywords

• Financial coaching services
• Worker financial wellness
• Credit union partnerships
• Employer financial benefits
• Debt reduction programs

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. TrustPlus Employer Contracts: TrustPlus is offered as a free employee benefit funded by employers. Employers pay for the service to provide financial wellness benefits to their workforce. Employees receive coaching at no cost.
2. Pathways Licensing to Credit Unions: Credit unions pay annual fees to access Pathways methodology and technology platform. Pricing tiers based on credit union asset size, ranging from $5,400 to $15,800 annually. Includes training, coaching certification, and platform access.
3. Foundation and Corporate Grants: Major funding from foundations and corporations including Anonymous Foundation, Carson Family Charitable Trust, Target Foundation, Zegar Family Foundation, MetLife Foundation, NYC Office of Financial Empowerment, and others supporting the nonprofit mission.
4. Donations: Individual donors and institutional funders provide charitable contributions. The organization is a 501(c)(3) nonprofit with Tax ID# 13-3849263. Accepts online donations, checks, DAF contributions, stock donations, and planned giving.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels10 records

Core offering

Neighborhood Trust Financial Partners delivers trusted one-on-one financial coaching to low-wage workers through three primary offerings: TrustPlus (an employer-funded employee financial wellness benefit pairing workers with Financial Coaches and digital tools), Pathways to Financial Empowerment (a coaching methodology and proprietary outcomes tracking platform licensed to credit unions), and NYC Financial Empowerment Centers (free city-funded coaching at community locations). The organization combines human coaching with proprietary technology platforms to help workers reduce debt, build savings, improve credit, and connect to safe financial products.

Product overview

Neighborhood Trust Financial Partners is a nonprofit social enterprise offering a portfolio of financial health solutions centered on trusted human financial coaching. The core offerings include TrustPlus (an employee financial wellness benefit providing coaching and product connections through employers and fintechs), Pathways to Financial Empowerment (a methodology and technology platform for credit unions), and NYC Financial Empowerment Centers (free coaching for city residents). The company also operates a Worker Insights Initiative that uses coaching data to influence market transformation and product innovation. Recent innovation includes the 2025 Financial Snapshot tool with dynamic product recommendations. TrustPlus and Pathways serve different channels—employers/workplace vs. credit unions—while sharing the same coaching methodology and technology platform.

Differentiator

Problem solved

Functional benefit

Brands

• TrustPlus: Worker financial health solution that pairs workers with trusted Financial Coaches and provides safe and effective financial products, benefits, and strategies. Results in reduced debt, improved credit, and less financial stress for employees.
• Pathways to Financial Empowerment

Products and services

• TrustPlus Worker financial health solution that pairs employees with trusted Financial Coaches and connects them to safe and effective financial products, benefits, and strategies. Delivered via phone, video chat, text, and a digital platform with self-paced courses. Offered as an employer-funded employee benefit at no cost to workers, or embedded in select FinTech platforms.
• Pathways to Financial Empowerment Financial coaching methodology and outcomes tracking platform integrated into credit unions nationwide in partnership with Inclusiv. Trains credit union staff to provide action-oriented financial coaching and tracks client financial health data and outcomes (credit scores, savings, debt) via a proprietary technology platform with real-time dashboards, automated text message reminders, and online intake. Annual subscription priced from $5,400 to $15,800 based on credit union asset size, with nonprofit/social enterprise discounts available.
• NYC Financial Empowerment Centers Free, one-on-one financial coaching offered in partnership with the City of New York to all city residents at community partner sites in Manhattan, Queens, and Staten Island. Coaching is available in multiple languages and covers debt management, credit building, savings, and benefits access. Funded by the NYC Office of Financial Empowerment.

Quantifiable outcome

• 83% of clients report reduced financial stress
• +6 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core, minor and flagship.

• Hebrew Free Loan Society (HFLS)coreStrategic or Co-development Partner · 1 January 2026Partnership to disburse Fresh Start Loans - zero-interest, zero-fee loans enabling New Yorkers to refinance up to $20,000 in debt over 50 months. Distributed over $2,800,000 in 0% interest debt relief.
• Aspen Institute - Financial Security ProgramminorStrategic or Co-development Partner · 1 January 2022Contributed data and insights to Aspen Institute's Consumer Insights Collaborative report on complete financial lives of workers. Collaboration on research exploring work arrangements, benefits, and employer practices.
• Guadalupe Credit UnioncoreStrategic or Co-development Partner · 1 January 2022Pathways customer who used coaching data to successfully advocate for New Mexico legislation capping small loan interest rates at 36%. Historic win against predatory lending using Pathways outcomes data.
• LandedcoreTechnology or Integration · 1 January 2021FinTech partnership integrating TrustPlus financial coaching into Landed's platform helping essential professionals achieve homeownership. Landed's clients receive coaching to strengthen financial health on path to homeownership.
• CommonwealthminorStrategic or Co-development Partner · 1 January 2021Partnership to study impact of enhanced Child Tax Credit on lower-income households. Conducted interviews and surveys assessing financial health impact following 2021 tax filing.
• Cities for Financial Empowerment FundcoreStrategic or Co-development Partner · 1 January 2021Partnership to replicate NYC Financial Empowerment Center model in over 60 cities nationwide. Neighborhood Trust helped develop and is a leading provider of financial coaching through this network.
• SaverLifecoreStrategic or Co-development Partner · 1 January 2020Nonprofit FinTech partnership for emergency cash relief and financial coaching during COVID-19 pandemic. Combined Neighborhood Trust's TrustPlus coaching with SaverLife's technology platform to distribute $1,000 cash payments and provide ongoing financial coaching to recipients.
• Undue Medical Debt (RIP Medical Debt)minorStrategic or Co-development Partner · 1 January 2020Partnership to understand medical debt crisis impact on low-income individuals and generate actionable recommendations for employers and healthcare revenue-cycle leaders to reduce medical debt burdens.
• Humanity ForwardminorOthers · 1 January 2020Partnership to distribute $1,000 unconditional cash relief to Bronx families financially impacted by COVID-19 pandemic. Neighborhood Trust provided financial coaching alongside cash distribution.
• InclusivflagshipStrategic or Co-development Partner · 1 January 2015Pathways to Financial Empowerment partnership with Inclusiv, a national network of community development credit unions. Inclusiv network comprises CDFI credit unions serving low-income communities. Neighborhood Trust trains credit union staff on financial coaching methodology and provides proprietary technology platform for outcomes tracking.
• NYC Office of Financial EmpowermentflagshipStrategic or Co-development Partner · 1 January 2006Long-standing partnership with NYC government to operate Financial Empowerment Centers providing free one-on-one financial coaching to all NYC residents across all five boroughs. Neighborhood Trust is the lead vendor for this initiative.

Scale indicators27 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Navicore Solutions: Nonprofit HUD-approved housing and credit counseling agency offering financial counseling, debt management, and financial education. Directly comparable counseling/coaching delivery model for financially struggling households.
• GreenPath Financial Wellness: National nonprofit credit counseling and financial wellness provider offering debt management, credit counseling, and housing counseling. Most directly comparable to Neighborhood Trust's TrustPlus and Pathways coaching offerings for low- and moderate-income consumers.
• Money Management International (MMI): Large nonprofit credit counseling agency delivering debt management plans, housing counseling, and financial education across the U.S. Comparable scale and mission in serving financially vulnerable households with counseling services.
• Inclusiv: National network of community development credit unions serving low-income communities. Flagship partner running Pathways across CDFI credit unions; serves overlapping mission and customer base.
• SaverLife: Nonprofit fintech platform helping low-income Americans build savings and emergency resilience through incentives and tools. Neighborhood Trust's existing partner (COVID-era) and a directly adjacent nonprofit-tech peer targeting the same demographic.
• Operation HOPE: Nonprofit providing financial coaching, credit counseling, and small-business support focused on underserved communities. Comparable mission to drive financial dignity and inclusion for low-wage workers, with employer and community distribution.

Others

• Commonwealth: Nonprofit focused on financial security for lower-income households through research, policy, and product innovation. Direct research collaboration partner with Neighborhood Trust (Child Tax Credit study) and an adjacent mission-aligned organization.
• Cities for Financial Empowerment Fund: National nonprofit that helped replicate the NYC Financial Empowerment Center model across 60+ cities. Network operator and partner of Neighborhood Trust in the FEC ecosystem.

Broad incumbents

• Financial Health Network: National membership organization advancing the financial health field through research, the Financial Health Pulse, and industry convening. Neighbor Trust's CEO sits on its advisory board; comparable thought-leadership role in financial health.

Emerging players

• Brightside (Financial Wellness Benefit): Employer-focused financial wellness platform combining AI-driven guidance with human support. Competes with TrustPlus in the workplace financial-wellness benefits category with a more tech-forward delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/neighborhood-trust-financial-partners
• Xx.com/NTFP_Official

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Neighborhood Trust Financial Partners