PARTNER WITH US
Stop turning away creditworthy borrowers because of what's missing from their credit report.
Giving Credit turns peer lending, cash transfers, and informal repayment history into a verified, FCRA-compliant credit report,
so you can make more confident lending decisions.
SECONDLOOK UNDERWRITING
Some of your applicants are closer to approval than a standard credit pull shows.
They're making and repaying informal loans with family, friends, and neighbors. They're paying off payday loans on time. None of that reaches a traditional credit file, so it never reaches your underwriting either.
When an applicant falls just short, refer them to build a Giving Credit Report. You'll get a fuller picture of how they actually manage money, and the chance to take a second look before you say no.
WHAT YOU GET - IN OUR REPORT
The data you’ve been missing – now visible and verified
Peer loans, cash transfers, and unreported loans that never appear on a standard credit pull.
In the Giving Credit report, all transactions are captured and tagged with a verification status.
A complete financial picture, without the extra steps
Income, assets, and repayment history pulled straight from statements. No exhaustive application process, no documentation chase, just the analyzed data you need already in one place.
Affordable for you, so lending stays affordable for borrowers
We charge less than a traditional credit pull or cash-flow underwriting tool, because the goal is to get more of the right people access to affordable credit.
EVERYDAY UNDERWRITING
Secondlook is a starting point. The real value comes from integrating Giving Credit reports into how you underwrite every application.
Working with Giving Credit isn't limited to the applicants you'd otherwise turn away. The same verified report of peer loans, cash transfers, income, and assets can sit alongside your existing underwriting criteria for every applicant, not just the edge cases.
Integrating Giving Credit into your underwriting process is where the real value shows up, working from a fuller picture of how someone actually manages money, not just what a traditional credit pull shows.
OUR MARKETPLACE
Get found by borrowers looking for you
Someone building a Giving Credit Report has already done the hard part. They've uploaded statements, documented peer loans, and built a financial picture that the mainstream credit system never bothered to capture.
They're motivated borrowers who have already demonstrated their character, and they're looking for a lender who'll recognize it. Once you start using Giving Credit in your underwriting process for affordable credit, we add you to our marketplace.
Grounded in Research. Driven by Mission
Giving Credit didn't start with a product. It started in the social impact space, where our co-founders kept watching people do something the credit system couldn't see: lend to each other, and get paid back.
That observation led David Henderson to the Federal Reserve Bank of Boston, where he co-authored a research brief on peer-to-peer household credit with the Boston Fed's own deputy director of research. The data confirmed what communities already knew: this is real finance, at real scale, that the mainstream credit system has simply never been built to see. Learn more about our team.
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
The credit history is already there –
we'll help you see it.
Somewhere in your pipeline is a borrower who has been proving their creditworthiness for years. They've been repaying loans, managing cash flow, and showing up financially for the people around them. They just need a lender willing to look at the full picture. Giving Credit makes that possible.
Current Partners
