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Empower

Fair access to cash and credit based on real-time income
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.
Fintech 📍 San Francisco, CA Founded 2016
Current Valuation
Private
PRIVATE

IPO Outlookprivate

Is Empower going public?
No. Empower is private and has not filed to go public. There is no S-1 on file.
What is Empower's valuation in 2026?
No confirmed valuation is on record for Empower. The roster shows funding and investors where they are public; it does not estimate a mark.
Has Empower filed an S-1?
No public S-1 is on file for Empower.
Who are Empower's investors?
Empower's investors include Sequoia Capital, Blisce, Icon Ventures, Neo, Defy Ventures, Initialized Capital.
Can you buy Empower stock?
No. Empower is a private company — its shares are not listed on any exchange and there is no ticker. The routes to exposure are pre-IPO secondary marketplaces and funds (accredited investors), employee tender offers when the company runs one, and public companies with read-through exposure. QuantLogix maps every route it can verify for Empower on its Pre-IPO Access Desk.
How to actually get exposure to Empower →
Answers are derived from the roster record shown on this page — filing status, last round and confirmed marks. Where the record is silent, the answer says so rather than guessing.

Company Profile

CEO
Warren Hogarth
Founded
2016
HQ
San Francisco, CA
Total Raised
$174.5M
IPO Status
private

Fundraising Status

privateTotal raised $174.5M

Talent Signal

Hiring trend
▶ Hiring steady
+4% vs 2026-08
Open roles
27
via ashby
Product-build share
48%
engineering, research, product, design
Trajectory
strengthening
product-led hiring — 48% of open roles build product; the rest are go-to-market and G&A.
Recent senior hires: 2 senior hires (CEO, President).
Open roles by month
Open roles by month26Aug '2627Sep '26
Open roles by function
Open roles by functionEngineering9Finance & Strategy4Other4Marketing3Product2Ops & People1Legal & Policy1Research1Design1
■ product-building   ■ go-to-market / G&A
Key Executive Moves
INJP GuilbaultCEO · 2026-08-31
INChidinma AsonyePresident · 2026-08-31
From trusted-source news extraction (deep-enrich pipeline); dates approximate publication, not effective date.
Senior Backend Engineer, NIRASenior Backend Engineer, CashaloEngineering Manager, NIRASenior Software Engineer, BackendStaff Backend Engineer - NIRALead Product Manager, Growth
Counted from Empower's live job board as of 2026-09-14; role functions classified from posting titles. Open-role counts are an activity signal, not headcount. Refreshed monthly.

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.