Help your customers build credit history without debt, interest, or credit checks. A white-label solution that turns everyday debit card spending into credit-building activity.
Customer's credit score improved by 127 points in 6 months of consistent usage.
Track Credit Progress
Partnering wIth fintech leaders
about us
Millions Are Credit Invisible
Huge market locked out of traditional financial services.
45M+
Americans have no credit score or insufficient credit history
26M+
Adults are completely credit invisible with zero credit history
$2T
Annual spending by credit-invisible consumers looking for solutions
Monetize Your Existing Customer Base
Your current customers are already looking for credit-building solutions—now you can serve them and generate new revenue.
Existing customers with poor credit
Customers who can't qualify for credit cards
Account holders seeking financial wellness tools
Payment
Amount:
$5,549.00 USD
Status
Scheduled
Upload Invoice
45M Potential Customers
$12B Market Size
67% Want Credit Building
23% Annual Growth
45M Potential Customers
$12B Market Size
67% Want Credit Building
23% Annual Growth
Account
Spent
74%
Available
8%
Unallocated
18%
$8,000available of $100,000
Manage Account
Attract Underserved Customers
Reach 45 million credit-invisible Americans who are actively seeking ways to build credit and establish financial identity.
Young adults (Gen Z)
New immigrants
Credit rebuilders
Why Offer Credit Building?
Tap into massive underserved market while generating new revenue and deepening customer relationships.
New Revenue Stream
Generate income from interchange fees, subscriptions, or program enrollment without traditional lending risk.
No credit risk exposure
Recurring revenue model
Higher transaction volume
Increase Retention
Customers building credit with you are less likely to switch banks. Create long-term sticky relationships.
Higher lifetime value
Cross-sell opportunities
Reduced churn
Competitive Differentiation
Stand out in crowded market by offering innovative financial wellness tool that competitors don't have.
Unique value proposition
Marketing advantage
Brand differentiation
Complete Credit Building Platform
Everything your customers need to build credit successfully.
Credit Score Tracking
Real-time credit score monitoring with monthly updates so customers can track their progress.
Experian Reporting
Automatic reporting to Experian credit bureau for established credit history building.
Financial Education
Built-in tips and resources to help customers understand credit and make smart financial decisions.
Mobile App Integration
Seamless integration with your mobile banking app for unified customer experience.
Progress Notifications
Automatic alerts when credit activity is reported and scores improve to keep customers engaged.
Fraud Protection
Bank-grade security with fraud monitoring and instant alerts for suspicious activity.
Spending Controls
Customizable limits and controls to help customers manage spending responsibly.
No Debt Risk
Debit-only model means customers can't overspend or accumulate debt they can't afford.
No Credit Check
Anyone can qualify regardless of current credit score or history—truly inclusive access.
“Running a growing team means there are always a hundred tiny tasks pulling me away from the real work. With Workhorse, those distractions are handled. It’s like having an extra set of hands keeping everything moving, so my focus stays where it should.”
