Every day, people prove they're creditworthy — to their family, their neighbors, their community. But none of it counts toward the credit they deserve.
Before algorithms, credit decisions were based on character. Repaying community members who trusted you with money was the original credit check, not wealth.
But for financial institutions today, this is a blind spot.
This much money, moving between people every day, should count toward their credit. Instead, it’s ignored, and it costs them.
90%
of low-to-moderate income individuals lend and borrow within trusted networks of friends, family, and neighbors
$200B
held in peer-to-peer debt across the country completely invisible to credit bureaus
410% APR
the interest many borrowers face from payday lenders when traditional credit isn’t an option
OUR CREDIT REPORT
Giving Credit expands access to affordable credit for low-income communities by generating a more complete picture of their real financial lives.
This starts with peer-lending data, reported and verified through user-uploaded statements from bank and digital payment apps. But it doesn't end there. We collect and parse the income, assets, and financial activity data lenders already ask applicants for, adding completeness, not just an additional credit score.
✔️FCRA compliant
✔️Credit data the bureaus don't capture
✔️Multi-source verification
✔️Built on character, not just wealth
FOR LENDERS
When your underwriting is grounded in a more complete picture of your borrowers’ financial lives, you can approve more loans with confidence.
Every peer-lending transaction carries a verification status, from self-reported to fully verified, and the full report is FCRA-compliant, so it's usable for real underwriting decisions.
And with the addition of other financial data points like income and assets, or payday loans that go unreported when repaid, you get a more complete picture than a traditional credit pull, for much less than what other bureaus charge.
FOR COMMUNITY PARTNERS
Extend low- or zero-interest loans to your community, whether that's your employees, the individuals you serve, or the people you organize alongside.
Our platform provides the infrastructure you need to extend capital without having to manage the day-to-day lending responsibilities. We handle the application, the payments, and the tracking, so you can focus on the work you do, not the back-end of running a community loan fund.
Every transaction strengthens your community's access to credit, on terms you set, whether that's a 0% interest benefit for your team, a lending circle for your members, or cash assistance you provide.
We're working toward a fairer shot at credit for the people who've been counted out of it.
That’s the conviction behind everything we build. From our founders, to our advisors, to our partners, our purpose is the same: grow access to non-extractive credit, for the people building it, the organizations extending it,
and the institutions underwriting it.