Finance platform Empower rebrands as Tilt, unveils Tilt Credit Cards to expedite trustworthy credit access on a fair basis
Tilt, formerly Empower Finance, Inc., has rebranded and expanded its reach in the financial industry by offering innovative credit solutions to consumers often underserved by traditional lenders.
In a bid to advance its vision of an inclusive credit system, Tilt has made strategic acquisitions, including Petal, Cashalo, and NIRA. Cashalo is a digital credit platform in the Philippines, while NIRA provides personal loans in India. These acquisitions have made the company compelling, according to Sam Giber, General Partner at Blisce.
Tilt's core mission is to expand reliable access to fair credit by using alternative underwriting methods that assess real-time cash flow and other nontraditional financial indicators rather than relying solely on traditional credit scores. The company's proprietary underwriting is backed by six years of performance data and over 250 nontraditional indicators of financial health.
In 2025, Tilt launched a lineup of three unsecured credit cards issued by WebBank. These cards—Tilt Essentials, Tilt Motion, and Tilt Engage—are specifically designed to serve non-prime customers, those with limited, recovering, or nascent credit histories who have steady income and responsible expense management but may be underestimated by conventional credit models.
The three core Tilt credit cards leverage alternative underwriting, real-time cash flow analysis, and an application process that may require linking a bank account to better evaluate financial health. They also offer pre-qualification without impacting credit scores, available for U.S. residents with valid Social Security or ITINs.
Tilt's credit products are built to help non-prime customers gain fair, responsible credit access through innovative underwriting and products designed to support financial progress from day one. For instance, Tilt Engage is tailored for customers with poor or limited credit, offering a credit-building path with some associated fees.
Warren Hogarth, Co-Founder and CEO of Tilt, stated that the company is using technology to see people more fully and serve them more fairly. According to Hogarth, less than 41% of non-prime credit card applicants are approved for credit cards, while approval rates for people with no credit score are only 20%.
Tilt's acquisitions and rebranding have been successful, with the company serving over three million active subscribers in the US and being profitable since 2022. The company has also established a consumer credit business in Mexico under the Empower name, which will rebrand in the coming months.
Sam Giber, General Partner at Blisce, has stated that Tilt is setting the tempo in a sector long ready for reinvention. Cashalo and NIRA will continue operating under their existing brands in their local markets, further expanding Tilt's global footprint.
References: [1] Tilt (2025). About Us. Retrieved from www.tilt.com/about [2] Petal (2024). Acquired by Tilt. Retrieved from www.petalcard.com/acquired [3] Cashalo (2025). Acquired by Tilt. Retrieved from www.cashalo.ph/acquired [4] NIRA (2025). Acquired by Tilt. Retrieved from www.niraloans.in/acquired [5] Tilt (2025). Tilt Engage Credit Card. Retrieved from www.tilt.com/cards/engage
- Tilt's strategic acquisitions of Petal, Cashalo, and NIRA, coupled with its innovative approach in the business of finance and investing, have solidified its position as a trailblazer in the global credit industry.
- Leveraging technology to revolutionize the business of credit, Tilt offers a range of credit products designed for non-prime customers, using alternative underwriting methods and real-time cash flow analysis to provide fair, responsible credit access.
