Empower Finance

Tilt is the consumer-facing brand for the products operated by Empower Finance. The website and all customer-facing materials use the Tilt name, while the corporate entity remains Empower Finance. The firm uses Tilt for its cash advance, credit card, and financial wellness app, with the website domain empower.me serving both the corporate entity and the branded offering.

Tilt evaluates over 250 non-traditional signals of financial health, primarily current income and spending behavior, instead of relying on static credit scores. The firm states that this approach allows it to approve three out of four applicants who might be declined by traditional FICO-based models. The technology dynamically adjusts credit limits and advance amounts based on observed repayment patterns.

Tilt functions entirely as a direct-to-consumer lender and financial technology platform, not an institutional investment firm. There is no evidence of LP relationships, fund commitments, co-investments, or private-market portfolio holdings. The firm deploys capital through its own balance sheet directly to individual borrowers via cash advances and credit lines.

The current leadership and ownership structure of Empower Finance are not publicly disclosed on the firm's website or available marketing materials. No founder, CEO, or managing principal is named in any of the scraped pages. No information about venture capital backing, institutional shareholders, or a family-office affiliation could be verified from primary sources.

The Tilt app bundles a credit card, automated savings tool, personalized budgeting, and credit-score monitoring alongside its signature cash advances. The savings feature uses an AI engine that automatically sets aside what it calculates the user can afford. The budgeting tool categorizes spending and allows users to set custom caps.