Tilt
“Can a no-credit-check consumer fintech expand from cash advances into a full banking stack for credit-thin Americans?”
HQUnited States
IndustryFintech / Consumer banking
The story
Tilt launched as a consumer fintech targeting underserved consumers with no-credit-check cash advances up to $400, positioning itself as an accessible alternative to payday lending. The company expanded into a broader consumer banking stack — adding debit accounts via nbkc bank (FBO AutoSave), branded credit cards via WebBank/Petal, and a revolving line of credit via FinWise Bank. The BaaS infrastructure is anchored by Helix by Q2 per Open Banking Tracker. The company serves 5M+ customers for cash advance and 300K+ for its credit line product.
Last 12 months
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Product timeline
2023
Launched consumer fintech app offering cash advances up to $400 with no credit check, interest, or late fees.· lending
2024
Expanded product suite to include Tilt-branded credit cards (Motion, Engage, Essentials) issued via WebBank and Petal card agreements, plus a Line of Credit via FinWise Bank.· card
2024
Listed as a Helix by Q2 customer on Open Banking Tracker, confirming BaaS/neobank infrastructure partnership.· banking
The stack
Banking / BaaS
Lending
Tilt Cash Advance (up to $400, no credit check, no interest)Tilt Line of Credit ($200–$1,000, issued by FinWise Bank)Tilt Motion Cardholder Agreement (credit card via WebBank)Tilt Engage Cardholder Agreement (credit card via WebBank)Tilt Essentials Cardholder Agreement (credit card via WebBank)Petal 2 Cardholder AgreementPetal 1 Cardholder AgreementPetal 1 Rise Cardholder AgreementLeap Program Terms
Sponsor bank
Accounting gap: none