Fundraising Fox

Tilt

AcquiredYC W12

San Francisco, US · 51 employees · 11 known investors

Tilt provides alternative credit products and underwriting technology to people with limited access to traditional credit, using non-traditional financial signals to assess creditworthiness and enable borrowing.

Also known as Tilt.com

FintechCrowdfundingUnited States of AmericaAmerica / Canada

Founders & leadership· Y Combinator alumni (W12)

JBJames Beshara
James Besharain𝕏Founder/CEOJames Beshara is the founder and CEO of Tilt, which provides alternative credit products and underwriting technology using non-traditional financial signals to serve people with limited access to traditional credit. He has founded several startups, including Tilt (acquired by Airbnb), invested in companies, and hosts a podcast.30 Under 30 2015
KHKhaled Hussein
Khaled Husseinin𝕏Founder/CTOKhaled Hussein founded Tilt, a crowdfunding platform backed by Y Combinator and a16z, which was acquired by Airbnb; he subsequently founded RedDoor, a mortgage services company, and currently operates Stipple, a venture studio in San Francisco.

Investors · 11

Also in the syndicate · 1

Vinted Ventures

Funding

SEC filings, press & company announcements

$52M disclosed across 2 of 4 rounds · 2025–2026

Source: company announcements and press reports — follow each round's link for the claim.

Company profile

researched Aug 2026

Tilt is a consumer credit provider that markets cash advances, credit cards and lines of credit to people whose credit scores alone would limit their access to mainstream borrowing. Its cash advance product delivers $10 to $500, with instant delivery offered as an optional paid feature and no interest, late fees or credit check. Its line of credit extends up to $1,000, typically starting at a $200–$400 limit and increasing over time, and is positioned as a way to build positive credit history; applicants of all credit scores are invited to apply. Its credit cards allow pre-qualification without impact to the applicant's credit score, can be used immediately upon approval, and may be considered for a limit increase as early as four months in.

Underwriting is based on more than 250 signals of a customer's financial health rather than a credit score alone, and Tilt states it proactively reviews spending and repayment behavior to offer higher limits and improved terms over time. The mobile app bundles adjacent money-management tools: AutoSave, which moves money toward a savings goal when a customer's budget allows; credit score monitoring with personalized guidance; and budgeting features with spend breakdowns and user-set caps.

Credit products are issued through partner banks: Tilt credit cards are issued by WebBank and the Tilt line of credit is issued by FinWise Bank.

Business model

Tilt originates consumer credit products — credit cards, cash advances and lines of credit — through bank partners (WebBank for credit cards, FinWise Bank for the line of credit), acquiring and servicing customers directly via its own app and website.

Disclosed pricing elements include optional fees for instant delivery of cash advances; the cash advance product is marketed as carrying no interest or late fees. Credit card and line-of-credit pricing is not specified.

Traction

The company reports more than 5 million customers, over $16 billion in cash and credit extended cumulatively, and a 4.8 Trustpilot rating across more than 741,000 reviews.

Full profile — market position, technology, go-to-market, geography

Market position

Positions itself against traditional score-based lenders by underwriting on a broad set of financial-health signals, offering credit-check-free cash advances and small starting limits that grow with demonstrated repayment behavior.

Technology

A consumer mobile app and underwriting approach that evaluates more than 250 signals of a customer's financial health instead of relying on a credit score alone, plus automated limit-increase reviews, credit score monitoring, automated savings transfers and budgeting analytics.

Go-to-market

Direct-to-consumer online and in-app acquisition, with no-impact pre-qualification for credit cards as an entry point and publicly displayed Trustpilot reviews used as social proof.

U.S. consumers with limited or damaged credit histories who are underserved by traditional score-based lenders; applicants of all credit scores are accepted for consideration.

Geography

United States, with products issued through U.S. chartered partner banks WebBank and FinWise Bank.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Cumulative cash and credit extendedJan 2025$16B
CustomersJan 20255,000,000 customers
HeadcountAug 2026334
Trustpilot ratingJan 20254.8 out of 5
Trustpilot reviewsJan 2025741,000 reviews
Underwriting signals usedJan 2025250 signals

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Founder mafia

2 people who came through Tilt went on to found or lead other companies.

Competitors · 10

by search overlap
Credit Karma3375 shared keywordsCredit Karma is an AI-powered personal finance platform that provides free credit scores, credit monitoring, cashflow insights, and financial marketplace services to help consumers understand and manage their finances. The platform serves over 140 million members with tools for credit analysis, tax filing, and financial opportunity identification.
MoneyLion3350 shared keywordsMoneyLion is a financial technology company offering consumer banking products including spend accounts, savings accounts with variable APY, a debit Mastercard with cash back rewards, and a membership plan with added services and insurance benefits. It provides a marketplace connecting users to third-party financial products, with banking services provided by Pathward, National Association.
Experian2916 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
Finder2259 shared keywordsFinder is a personal finance comparison platform that helps consumers find deals on savings accounts, bank bonus offers, and rates. It also publishes money-saving content such as budgeting and savings challenges.
Chime2199 shared keywordsChime is a US financial technology company offering fee-free checking and savings accounts, debit and credit-builder cards, early access to direct-deposited pay and no-fee overdraft cover. It is not itself a bank: deposits are held through partner banks. Founded in 2012 by Chris Britt and Ryan King, it listed on Nasdaq in June 2025 under the ticker CHYM and serves over 10 million active members.
LendEDU2185 shared keywordsLendEDU publishes educational resources and comparative reviews to help consumers make informed financial decisions about loans, mortgages, and other financial products. The company earns revenue from affiliate partnerships with financial service providers featured on its platform.
firstcard2045 shared keywordsFirstcard is a credit-building platform that offers credit cards with no hard inquiry or annual fees to international students, immigrants, and others without SSN. The service features 1% cashback rewards, no overspending limits, and tools for financial management through a mobile app.
Capital One1976 shared keywordsCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.
Credible1880 shared keywordsCredible operates an online marketplace where consumers compare prequalified rates for personal loans, student loan refinancing, private student loans, mortgages, mortgage refinancing, and insurance from multiple lenders and providers side-by-side without affecting their credit score. It is not a lender but partners with financial service providers, and also offers free tools such as a debt tracker and credit score monitoring.
Earnin1785 shared keywordsEarnIn provides early wage access, allowing workers to access portions of earned pay before payday. The platform serves hourly workers including teachers, nurses, fast food employees, and military personnel seeking financial flexibility and independence.

Companies competing with Tilt for the same Google search keywords, organic and paid, via search-intersection analysis.

In the news

Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Tilt do?
Tilt offers cash advances, credit cards and lines of credit underwritten with 250+ financial-health signals rather than credit scores alone.
Who founded Tilt?
Tilt was founded by James Beshara, Khaled Hussein.
Who are Tilt's investors?
Tilt's investors include Andreessen Horowitz, Icon Ventures, Launchpad Capital, Nimble Partners, Y Combinator, Balderton Capital, Lerer Hippeau, Nyca Partners and 2 more.
How much funding has Tilt raised?
Tilt has disclosed $52M raised across 2 of its 4 known rounds.
Where is Tilt headquartered?
Tilt is headquartered in San Francisco, US.