Tilt (formerly Empower Finance) is a San Francisco-based financial technology company founded in 2016 by Warren Hogarth and Justin Ammerlaan. The company offers consumer financial products including cash advances up to $400, a flexible line of credit up to $1,000, and unsecured credit cards, all designed for customers who may be underserved by traditional lenders. Instead of relying solely on credit scores, Tilt uses real-time cash flow data and over 250 non-traditional indicators of financial health to assess customer readiness for credit.
The company serves over 3 million active subscribers and has been profitable since 2022. In August 2025, Empower Finance rebranded to Tilt and launched a suite of unsecured credit cards issued by WebBank. Tilt has raised approximately $174.5 million in funding, including a $20 million Series A in 2020 and a $150 million Series B led by blisce.
