Cash Advance Platform: Financial Access Powered by Potential
Project Details
Industry
FinTech / Cash Advance & CreditService
Web & Mobile DevelopmentTimeline
14 WeeksTech Stack
Traditional credit systems exclude millions of people based solely on credit scores. Tilt needed a platform that looks at current potential, not just past history.
Credit scores don't tell the whole story. Someone with a low score might have stable income and responsible spending habits today — but traditional lenders won't look. Tilt's mission was to build a platform that evaluates users holistically: considering income, spending patterns, and current financial behavior to offer cash advances and credit when people need it most. The challenge was building systems that could scale to 600,000+ users while maintaining instant approvals, secure transactions, and regulatory compliance across all states.
Every technical decision was made with our users in mind. The speed, the simplicity, the inclusivity — it all works.
Tilt Team
Product Lead, Tilt
We built a platform that says 'yes' by looking at what matters: your finances today.
Using Next.js for the web platform and React Native for mobile, we created a unified experience where users can apply for cash advances up to $500 or access credit cards — all based on real-time financial analysis, not just credit scores. The platform integrates with users' bank accounts through Plaid to analyze income and spending patterns, using machine learning models to assess eligibility instantly. We built comprehensive financial tools including credit score monitoring, personalized budgeting, and automatic savings features. The backend (Node.js + PostgreSQL) handles high-volume transactions with real-time approval engines, automated repayment processing, and compliance tracking across all 50 states. Every feature was designed for speed — users get answers in seconds, not days.
From zero to 600,000+ users — helping people access cash and credit when traditional systems say no.
Tilt reached 600,000+ active users with an average approval rate of 75% — including people who would be rejected by traditional lenders. The platform processes thousands of cash advances daily with instant approvals. Users report avoiding overdraft fees and building credit history for the first time. The app maintains a 4.6-star rating with reviews praising the 'no judgment' approach to financial access. 'You gave us tools to help people who've been left behind,' the team said. 'That's not just business — that's impact.'