OUR MISSION

Giving Credit is committed to providing low income communities access to wealth-building credit through community finance visibility.

WHO WE ARE

Giving Credit facilitates and rewards peer lending

We want to help redesign the credit system and create wealth-building opportunities for all by recognizing peer lending to make financial inclusion possible.

WHAT WE DO

Report credit for the community finance market

The community finance market is a $220B business yet there is no credit-building rewards or visibility. Our character-based credit reports elevate character over wealth or race.

HOW WE DO IT

Character-based credit reports to partner financial institutions

We partner with financial institutions that use our platform and data to access new customers and qualify people for wealth-building credit products at affordable interest rates.

OUR STORY

How Giving Credit started

Giving Credit is led by Founder, David Henderson and Co-Founder, Ashley Sherwin. We have spent the entirety of our careers in the social impact sector, working at the intersections of U.S. social welfare policy, technology, and innovation.

David’s Panamanian mother often remitted money to family back home but the financial system exploited her, leaving her in financial ruin.

While working together at UpTogether, a national nonprofit technology organization, we saw how people would lend the cash they received to others, highlighting hidden banking networks. David started incubating Giving Credit in 2022 through Princeton University.

Maria Eneida Andrade was the informal banker in her community.

Ultimately, we are building Giving Credit for communities like David’s, for his mother, for his late wife's family who immigrated to the United States from Mexico, and the millions more like them.

LEADERSHIP AND ADVISORS