When your customers are financially healthy, everyone wins.
With our financial health referral solutions, you can easily connect your customers to resources that save them money, increase payment rates, and power financial health.
When your customers are financially healthy, everyone wins.
With our financial health referral solutions, you can easily connect your customers to resources that save them money, increase payment rates, and power financial health.
Our Solutions Make an Impact
SpringFour, the woman-led, social impact fintech, delivered over 8.5 million financial health referrals to customers in 2024 in partnership with leading banks, credit unions, fintech lenders, employers, mortgage servicers, nonprofits, and more.
Increase Payment Rates
2-10x increase in repayment rates
$1,000 reduction, on average, in annual net credit losses per customer
Millions in projected annualized credit loss savings
Empower Employees
96% of agents agree that they provide better customer service when they have access to SpringFour
91% of agents agree that SpringFour saves them time when working with a client
Improve Financial Health
Customers are 2x more likely to engage in foreclosure prevention and payment programs after receiving SpringFour referrals
96% of agents agree that SpringFour helps their consumers save money, reduce expenses, or get on track with payments
Demonstrate Empathy
98% of agents agree that SpringFour increases empathy within their organization
95% of agents agree that SpringFour helps their organization build trust with customers
Powering Financial Health with Bank-Fintech Partnerships
Head of Deposit Products at BMO, Ben Schack, discusses the power of partnership with SpringFour
Explore SpringFour’s Quarterly and Annual Impact Reports
You’re in Good Company
You’re in Good Company
Testimonials
Clients who accept help have fewer future delinquencies, defaults and losses…we’ve quantified multi-million-dollar savings from avoiding losses for both consumers and BMO.
ANUJ VOHRA
Head of North America Collections
In an industry that at times has not prioritized the financial health of consumers, SpringFour is taking a different approach to banking. The company has taken on banks as clients, rather than simply raising capital from them, ensuring a customer-focused approach as well as guaranteeing stability through partnership—SpringFour currently has a 90% client retention rate.
SpringFour has been a great partner to Capital One, giving us the flexibility to explore different ways of integrating their resources into our experiences. The SpringFour team is thoughtful, responsive, timely, friendly and positive.
BILL IVERSON
Director of Mainstreet Financial Health Team
When we embarked on our partnership with SpringFour, we knew right away they were aligned with our social impact priorities. Now we're proud to share that in 2023, Oportun and SpringFour delivered more than 68,000 financial health referrals to Oportun members. With SpringFour, we're driving impact, helping lower-income families stay afloat, and putting our members confidently in control of their finances.
EZRA GARRETT
S.V.P. Public Affairs and Impact
By connecting consumers to vetted financial resources, this B-Corp enables consumers to meet their financial objectives, reduce household expenses, and avoid payment delinquencies. It’s a win-win solution, and one that is much needed.
THEODORA LAU 
Podcast Host
Our partnership with SpringFour has been extremely helpful to our customers and our business. Thanks to SpringFour, we are able to provide important resources to our customers based on their individual needs, which strongly aligns with our company's mission of improving the financial health of everyday Americans. The team at SpringFour is passionate and is constantly working hard to enhance our usage of their products.
DEEPTI GUPTA 
Director of Corporate Strategy, OppFi
SpringFour provides resources, information, and, it’s going to increase your bottom line by helping your collections. So, while I never really say this, I think every lender in the country should be using SpringFour or resources like it.
PETER RENTON 
Co-Founder and Chairman
I honestly don't know how any counseling agency can do their job without SpringFour. This is the best tool you can give your counselors and coaches to help the families that reach out for assistance.
RICO DELGADILLO 
President and CEO
Every day we use SpringFour because it gives our counselors the ability to address our clients' overall financial health. We use S4 with every client interaction so we can be sure to create meaningful, lasting impact on their financial lives. SpringFour referrals are key to reducing household expenses and when we do people are able to get back on track and even begin to save again.
JIM TRIGGS 
President and CEO
Clients who accept help have fewer future delinquencies, defaults and losses…we’ve quantified multi-million-dollar savings from avoiding losses for both consumers and BMO.
ANUJ VOHRA
Head of North America Collections
In an industry that at times has not prioritized the financial health of consumers, SpringFour is taking a different approach to banking. The company has taken on banks as clients, rather than simply raising capital from them, ensuring a customer-focused approach as well as guaranteeing stability through partnership—SpringFour currently has a 90% client retention rate.
SpringFour has been a great partner to Capital One, giving us the flexibility to explore different ways of integrating their resources into our experiences. The SpringFour team is thoughtful, responsive, timely, friendly and positive.
BILL IVERSON
Director of Mainstreet Financial Health Team
Our partnership with SpringFour has been extremely helpful to our customers and our business. Thanks to SpringFour, we are able to provide important resources to our customers based on their individual needs, which strongly aligns with our company’s mission of improving the financial health of everyday Americans. The team at SpringFour is passionate and is constantly working hard to enhance our usage of their products.
DEEPTI GUPTA
Director of Corporate Strategy
When we embarked on our partnership with SpringFour, we knew right away they were aligned with our social impact priorities. Now we’re proud to share that in 2023, Oportun and SpringFour delivered more than 68,000 financial health referrals to Oportun members. With SpringFour, we’re driving impact, helping lower-income families stay afloat, and putting our members confidently in control of their finances.
EZRA GARRETT
S.V.P. Public Affairs and Impact
By connecting consumers to vetted financial resources, this B-Corp enables consumers to meet their financial objectives, reduce household expenses, and avoid payment delinquencies. It’s a win-win solution, and one that is much needed.
THEODORA LAU
Podcast Host
SpringFour provides resources, information, and, it’s going to increase your bottom line by helping your collections. So, while I never really say this, I think every lender in the country should be using SpringFour or resources like it.
PETER RENTON
Co-Founder and Chairman
Every day we use SpringFour because it gives our counselors the ability to address our clients’ overall financial health. We use S4 with every client interaction so we can be sure to create meaningful, lasting impact on their financial lives. SpringFour referrals are key to reducing household expenses and when we do people are able to get back on track and even begin to save again.
JIM TRIGGS
President and CEO
I honestly don’t know how any counseling agency can do their job without SpringFour. This is the best tool you can give your counselors and coaches to help the families that reach out for assistance.
RICO DELGADILLO
President and CEO
Ready to see results?
Deploy in 30 days or less to drive impact with SpringFour.
