Community Finance Credit Reporting

Expanding access to mainstream credit through peer lending data.

The financial system fails to meet the needs of low-income communities. There are 45 million people in the U.S. who are credit invisible, and payday lenders extract $9.1B annually.

Faced with financial exclusion, people engage in community finance. 90% of low-to-moderate income individuals borrow from their friends and family, showing their credit reliability every day.

The mainstream credit system has no visibility into the community finance market. We are on a mission to change that!

Giving Credit is the premier community finance credit reporting agency. Our mobile app:

  • facilitate and reward peer lending in financially
    excluded communities

  • collect and aggregate community finance data

  • partner with financial institutions to use community finance data for the underwriting of mainstream
    credit products

With community finance data, we can expand access to high-quality, wealth-building products for 108 million people in the United States.