Tilt

Tilt is a financial technology company based in San Francisco, focused on providing fair credit access to non-prime consumers who are often underserved by traditional banking. Founded in 2016 and rebranded from Empower in August 2025, Tilt uses innovative cash flow underwriting techniques to analyze real-time data and alternative financial indicators, moving beyond traditional credit scores. The company serves over three million active subscribers in the US and has been operating profitably since 2022. Tilt offers a variety of credit and cash management products, including interest-free cash advances, flexible lines of credit, and Tilt Credit Cards designed for non-prime users. Its mobile app features tools for credit score monitoring, budgeting, and automatic savings, promoting responsible financial management. With a commitment to financial inclusion, Tilt has expanded internationally, launching a consumer credit business in Mexico and acquiring several companies in the credit space. The company aims to 'tilt the odds' in favor of everyday people seeking fair credit solutions.