Common Bonds Atlas

Digital personal-finance platform offering loans, debt resolution, and financial-wellness tools.

Affirm is a publicly-traded fintech company established in 2012 (founded by Max Levchin and others) that provides point-of-sale (POS) financing solutions and buy-now-pay-later (BNPL) products for consumers and merchants. Its mission is to “deliver honest financial products that improve lives” by offering transparent loan terms, no late-fees, and helping shoppers make smart payment choices. On the consumer side, Affirm enables shoppers to split their purchases into installments (e.g., “Pay in 4” or monthly plans) either interest-free or with upfront disclosed interest and no hidden fees. For merchants, Affirm offers a payment-option platform that integrates into checkout processes, aiming to increase conversion rates, average order values and reach new customers by offering flexible financing. With its technology stack combining machine-learning-driven underwriting, real-time decisioning and consumer-friendly disclosures, Affirm positions itself as both a consumer alternative to traditional credit cards and a growth engine for merchants. It is headquartered at 650 California Street, San Francisco, CA 94108, U.S.

Financial app combining banking, budgeting, saving, and human financial advice via subscription.

Digital consumer-lending platform offering personal loans and credit cards to middle-income borrowers.

Consumer financial platform offering personal loans, credit cards, and financial-health tools.

Financial services and payments company behind Square, Cash App, and Afterpay for merchants and consumers.

Financial-wellness app providing cash advances, budgeting, and credit-building tools.

Point-of-sale patient-financing platform for medical and dental practices.

A neobank offering fee-free banking services through a mobile app.

Embedded earned-wage-access provider giving workers instant access to earned pay through payroll and workforce apps.

Current provides mobile-banking-style services (via partner banks) that emphasise affordability, inclusion and digital-first youth and everyday consumer segments. The value proposition includes no minimum balance requirements, no traditional overdraft fees (for qualifying members), early access to paychecks, savings features with bonus rates (via “Savings Pods”), a secured Build-Card for credit building, and built-in crypto trading. The platform positions itself as “mobile banking done better” and is geared toward working Americans who have been underserved by legacy banking models.

Earned-wage-access platform enabling employees to access earned pay on demand through employer partnerships.

Banking app offering cash advances, budgeting tools, and fee-free overdraft protection.

Lender specializing in student-loan refinancing and private student loans.

App providing earned-wage access that lets workers access pay they have already earned before payday.

Online lending platform providing credit to consumers and small businesses through several brands.

Financial technology company reporting rent payments to credit bureaus to build credit for renters.

Figure Technology Solutions (“Figure”) is a technology platform built to enhance efficiency and transparency in financial services. Its subsidiary, Figure Lending LLC, is the largest non-bank provider of home equity lines of credit; its software has been used to originate more than $14B of home equity. Figure’s technology is embedded across a broad network of loan originators and capital markets buyers and is used directly as well by homeowners in 50 states and Washington, DC. With Figure, homeowners can receive approval for a HELOC in as fast as five minutes and receive funding in as few as five days. To date, Figure has embedded its HELOC in more than 135 partners, including Rate (formerly Guaranteed Rate), CrossCountry Mortgage, Movement Mortgage, Goodleap, and many other fintechs, depositories, and independent mortgage banks.

Happy Money is a fintech company on a mission to develop and deliver affordable, accessible financial tools and services that empower people to use money as a tool for their happiness. The company specializes in personal loans, with a particular focus on helping individuals consolidate credit card debt and build toward financial wellness through partnerships with credit unions and community-focused lenders. Since its founding in 2009, Happy Money has helped hundreds of thousands of members and financed billions of dollars in loans through its platform.

Credit-building platform offering low-cost products to help consumers establish and improve credit.

Buy-now-pay-later and shopping platform offering flexible installment payments to consumers and merchants.

Automated investing platform combining custom portfolios, borrowing, and spending.

Modern card issuing platform providing APIs for companies to create and manage payment cards.

Digital financial platform providing banking, lending, investing, and financial marketplace services.

Lending and financial-services provider extending affordable credit to underserved consumers.

Earned-wage-access and financial-wellness platform offering on-demand pay, savings, and budgeting tools.

Mobile lender offering small-dollar installment loans and credit-building products to underserved consumers.

Peer-to-peer marketplace offering personal loans, credit cards, and home-equity products.

Fintech offering credit-builder loans and secured cards to help consumers build credit history.

Buy-now-pay-later provider letting shoppers split purchases into interest-free installments.

SoFi (Social Finance, Inc.) is a digital personal finance company that provides a diverse range of financial products including student loan refinancing, mortgages, personal loans, credit cards, investment management, and banking services. SoFi aims to help people achieve financial independence by offering useful tools, member benefits, and community-driven resources through a mobile-first platform. SoFi is publicly traded and regulated as a bank holding company via its subsidiary, SoFi Bank, N.A. It is a member of the FDIC.

Community-driven marketplace for small peer-to-peer loans.

Installment-payment platform letting shoppers pay over time using their existing credit-card limit.

Point-of-sale financing technology for everyday expenses at auto, dental, and retail service providers.

Global consumer lending app providing credit and financial services to underserved borrowers via smartphone data.

AI lending platform partnering with banks and credit unions to provide consumer loans using non-traditional variables for credit assessment.

Digital consumer neobank and the first fintech to obtain a full U.S. national bank charter, offering fee-free banking, high-yield savings, and cash advances.

Automated investing and cash-management robo-advisor for long-term wealth building.

Embedded lending platform enabling service businesses to offer point-of-sale financing.

Buy-now-pay-later service enabling consumers to pay in four installments at online and in-store merchants.