Empower

Fair access to cash and credit based on real-time income

Fintech 📍 San Francisco, CA Founded 2016

Current Valuation

Private

PRIVATE

Empower (rebranded to Tilt in August 2025) is a San Francisco fintech offering interest-free cash advances and credit-builder cards underwritten on real-time cash flow rather than traditional credit scores. Founded by ex-Sequoia partner Warren Hogarth, it has expanded via acquisitions of Petal, Cashalo, and NIRA. Distinct from Empower Retirement.

Company Profile

CEO

Warren Hogarth

Founded

2016

San Francisco, CA

Total Raised

$175M

IPO Status

private

Fundraising Status

privateTotal raised $175M

Founders & Key People

Warren HogarthJustin Ammerlaan

Investors

Sequoia Capital · Blisce · Icon Ventures · Neo · Defy Ventures · Initialized Capital

Products

Cash advances
Tilt credit cards
Cash-flow underwriting
Credit-builder cards

Competitors

Dave · MoneyLion · Brigit · Chime · EarnIn

Cash AdvanceFair CreditConsumer FintechCredit Builder

Private-company numbers are not real-time. Reflects publicly disclosed valuations from press releases, news reports, and tender offers as of recent date. Refreshed quarterly.