Public company, workplace, funding, and market signals
Updated Aug 16, 2026
Tilt Finance, formerly Empower Finance, is a San Francisco-based financial technology company that uses cash-flow underwriting and machine learning to expand access to cash and credit for consumers underserved by traditional lenders. Its models evaluate more than 250 real-time financial signals rather than relying solely on conventional credit scores.
Primary product
A mobile-first consumer financial platform offering cash advances, flexible lines of credit, unsecured credit cards, automatic savings, credit monitoring, budgeting, and related personal-finance tools.
Founded
2016
Headquarters
San Francisco, California, United States
Team size
201-500
Work style
Remote
Industry
Financial Services
Sub-industry
Consumer fintech, alternative credit underwriting, lending, personal finance
Offices
Business model
Stage
Late-stage venture-backed private company
Total raised
$174.5M
Latest round
Series B · Sep 2022
Latest amount
$150M
Sep 2022 · blisce
Apr 2020 · Paycheck Protection Program
Mar 2020 · Icon Ventures
Sep 2018 · Initialized Capital
May 2017
Leadership
Co-Founder and CEO
Co-Founder and CTO
Chief Financial Officer
Jan Chong
Vice President of Engineering
Dom Quaranta
Head of Credit
Stephanie Lin
Chief Marketing Officer
Ben Murray
Head of Product
Mia Alexander
VP, Customer Operations
Louis Shansky
General Counsel
Tilt describes itself as virtual-first, collaborative, impact-oriented, and distributed across 14 countries and 12 time zones. Its stated culture emphasizes ownership, high standards, learning from mistakes, mutual respect, and expanding access to fair credit. Engineering roles emphasize direct exposure to leadership and AI-assisted development.
Work style
Remote
Visa sponsorship
Limited
Compensation
Public job postings show competitive compensation, equity, and bonuses. Examples include approximately $200,000-$230,000 for a Controller and $170,000-$200,000 for a Senior Credit Manager. Public Department of Labor data shows H-1B filings with a reported median salary of approximately $165,000 across sponsored positions.
Benefits
Pricing
Consumer subscription and product-fee model. Third-party research reports an approximately $8 monthly subscription for some personal-finance features. Cash advances may have optional instant-delivery fees, while specific credit products have product-specific fees and terms. Tilt states that its cash advance has no interest or late fees; terms vary by product and state.
Differentiators
Technology
Customers
Competitors
Estimated revenue
$50M-$250M annually; public third-party estimates vary materially and Tilt does not appear to disclose revenue
Estimated monthly visits
1.3M
Empower announced a definitive agreement to acquire Petal and completed its acquisition of Cashalo in the Philippines. The acquisitions increase operating complexity and expose the company to multiple regulatory and credit markets.
SourceThird-party transaction databases report Tilt's acquisition of NIRA, an Indian consumer-lending company.
SourceTilt announced the completed acquisition of Blipay, a Brazilian salary-advance lender with more than 6 million registered users. The deal represents entry into Brazil and a fourth international market outside the United States.
SourceThe company rebranded from Empower Finance to Tilt and launched a broader unsecured credit-card offering. Rebranding and product expansion create execution, regulatory, and brand-transition risk, although they also indicate continued growth.
SourcePR Newswire · Jul 2026
Tilt announced the acquisition of Brazilian salary-advance lender Blipay, which reportedly has more than 6 million registered users. The transaction gives Tilt a presence in Brazil and expands its international operating footprint.
Contrary Research · Aug 2025
The report summarizes Tilt's founding, alternative underwriting approach, funding history, product model, international expansion, and reported subscription economics.
PR Newswire · Aug 2025
Empower Finance announced its rebrand to Tilt and launched unsecured cash-back credit cards issued by WebBank, positioning the company as a broader cash-and-credit platform.
PR Newswire · Apr 2024
Empower announced its agreement to acquire Petal and completion of its Cashalo acquisition, broadening its U.S. credit-card capabilities and entering the Philippine consumer-credit market.
Tilt Engineering
Tilt engineering described an automated incident-classification pipeline using a scheduled .NET process, Slack data, Claude, and Rootly fields, providing a public signal about its engineering practices and use of AI in operations.
25 jobs at Tilt Finance