10 ways SpringFour’s Partnerships Led to Stronger Client Portfolios in 2025

Dec 18, 2025

Financial health challenges intensified in 2025 — from student loan shocks and federal shutdowns to rising foreclosures, household debt, and widening affordability gaps. SpringFour helped our clients strengthen their business outcomes by delivering immediate, practical support right when their customers needed it most — prompting higher customer engagement and retention, reduced delinquency rates, and stronger portfolio performance.

Together with our partners, we delivered:

8 million financial health referrals
1.8 million consumers served
Top 3 categories requested:
1. Food Savings
2. Heating/Utility Costs
3. Rental Resources

These numbers represent real moments of relief for people navigating financial strain, and measurable results for the organizations supporting them — a true win-win. Read on for more ways we delivered business impact.

1. Delivering real-time relief during the federal shutdown

When the federal government shutdown stretched past 40 days — the longest in American history — SpringFour became a primary source of real-time support, both for households suddenly facing paused paychecks and rapidly shifting benefits and the financial organizations trying to help them.

Because SpringFour was built to easily connect people to trusted, vetted assistance, our partners were able to move fast. And as conditions worsened, we expanded our efforts even further to meet the moment.

Delivered ready-to-send outreach materials to partners so they could immediately communicate with customers — letting them know where to find help right now, without needing to build messaging from scratch
Expanded resources for SNAP recipients and federal workers
Added timely new resources to our expanded Finding Food Assistance Guide

SpringFour’s robust and speedy response was featured in American Banker, Axios, and Fintech Weekly.

With the shutdown underway, our client OppFi rolled out a campaign connecting their customers directly to SpringFour resources and garnered well deserved PR from their efforts:

OppFi campaign results:

300,000 emails sent
44% open rate
~10,000 clicks
5,000+ searches for local resources — with employment and food assistance emerging as top concerns

With another potential lapse in funding ahead, those organizations that already partner with SpringFour are equipped to help consumers stay current and feel supported during financial strain.

2. Impact through our partners, in their own words

As inflation continued to strain household budgets, SpringFour clients met customers where pressure showed up most clearly: everyday bills.

Fifth Third Bank’s eBus brought support directly into underbanked communities across the Midwest, helping people access SpringFour resources for food, utilities, employment, housing, and more — on site, by ZIP code, in real time.

Credit Fresh also directed customers to SpringFour as part of its practical, plain-language guidance on lowering utility costs and fighting inflation.

If you need some local support finding savings, try out a tool like SpringFour to get connected to local resources.

Credit Fresh

Together, these moments reflected a shift: financial health support embedded not just in products, but in conversations and communities — exactly where people were feeling the impact of rising costs.

3. Expanding access through new partnerships

In 2025, SpringFour announced new partnerships with financial organizations, including:

MSU Federal Credit Union brought SpringFour to its 367,000 members, including students navigating tightening budgets and growing loan pressures. Our partnership was featured in Fintech is Femme for the scale of the rollout and the mission alignment between MSUFCU and SpringFour.

When you help people save money, you’re helping them live better lives… and when people live better lives, they pay their bills, they trust you, and they engage with you more.

Rochelle Gorey, Founder & CEO

Enact Mortgage partnered with SpringFour to support borrowers insured through 1,800 lenders nationwide, giving delinquent borrowers access to vetted resources that help reduce expenses and stay in their homes.

4. SpringFour clients showcasing real-world impact

SpringFour’s impact showed up not just in moments of crisis, but in our partners’ communications and sustainability reporting.

Oportun highlighted SpringFour in its Corporate Responsibility and Sustainability Report as part of its mission-driven support services, with

6,594 Oportun members served
51,530 referrals delivered
Top needs: employment, food assistance, rental aid, healthcare, utilities

As part of its broader response to financial uncertainty during the federal shutdown, Golden 1 Credit Union directed members to SpringFour for personalized financial health resources — reinforcing that loans alone aren’t enough when income is disrupted.

Purchasing Power amplified SpringFour directly to its employees through social media, positioning its embedded SpringFour tool as a trusted destination for free financial tools and resources.

5. Keeping financial health resources accurate, relevant, and ready

When policies change or costs rise, outdated information can do more harm than good. This year, SpringFour continued to ensure the help people find is current, credible, and actionable — exactly when they need it.

Behind the scenes, our Resource Integrity team delivered:

12,000+ resources updated

Added navigators to help consumers understand health insurance options
Expanded transportation savings with toll-pass assistance
Refreshed eligibility, contact, and availability details across categories

2,500+ new resources added

Health insurance
Transportation savings
Financial counseling
Local and national support programs

Timely updates aligned to real-world moments

Updated health insurance resources ahead of open enrollment
Refreshed income tax assistance ahead of Tax Day, including: Volunteer Income Tax Assistance (VITA), Tax Counseling for the Elderly (TCE), Taxpayer Assistance Centers, and Low Income Taxpayer Clinics

New Financial Health Resource Guides published:

Down Payment Assistance
Fair Housing
Finding Affordable Legal Services
Immigration Support
Military Support
Property Tax Issues

Every update ensured that when someone searched for help — whether for housing, healthcare, taxes, or legal support — the information they received reflected the reality they were facing right now.

6. Responded as needs shifted in real time

SpringFour’s data goes beyond measuring impact to reflect what households are experiencing as it happens.

When foreclosure filings rose 20% in October 2025, demand for housing-related resources surged on SpringFour’s platform — and those in need were directed to mortgage relief, rental assistance, and housing stability resources.

I’ve recently lost my job in the same week that I lost my car and it led to an eviction. I didn’t know where to turn or what to do. [My bank] helped out tremendously today with this information. I can’t believe you guys helped this much. Amazing, simple, just giving me the names of places and some phone numbers. I’ve never been in a situation like this and I didn’t know where to turn or where to look and [my bank] made it possible for me to start heading in the right direction.

Bank customer using SpringFour

[My bank] offers your service on their app. I wanted to check it out. We lost our home due to a hurricane and are homeless. I have 1 terminal child and two special needs children. We’re waiting for FEMA’s decision and no agency will help us. All of our extra money was tied up with hurricane expenses waiting for hopefully a reimbursement from FEMA as well. I love your site. It’s easy to use and has resources no one has told me about yet. Thank you!

Bank customer using SpringFour

7. Supporting borrowers through the student loan crisis

As student loan payments restarted — along with wage garnishment and tax refund seizures — millions of borrowers faced a system they hadn’t navigated in years.

We updated our Financial Health Resource Guide on Student Loan Repayment to reflect the new rules and repayment options, helping partners deliver clear, scam-safe support amid widespread confusion. And while people faced resuming student loan payments, SpringFour helped them to save in other areas — strengthening their ability to do stay on top of their loans.

This effort was featured in The Hill, where SpringFour Founder & CEO Rochelle Gorey laid out the stakes:

Consumers are searching for assistance and help and are not quite sure what to do. They can’t solve this problem on their own. We are helping direct people to food savings, utility and heating resources, financial counseling, ways for them to see decreases in household expenses that then creates a bit more cash flow that they can apply to any outstanding debt that’s owed.

Rochelle Gorey, Founder & CEO, SpringFour

8. Strengthening debt management through integration

SpringFour integrated with C&R Debt Manager, bringing financial health resources directly into the collections and debt recovery workflow.

This connection made it easier for teams to move beyond transactions and offer practical solutions — embedding support into moments when customers are most likely to need help, and when organizations are most focused on outcomes.

Customers that you help are also more likely to make payments back to you first

when their situation improves, and direct more business your way. At the end of the day, by leveraging all of these resources that SpringFour has, customers have more money in their pockets.

Ed Wallen, C&R Software CEO

9. Unveiling the new S4Direct: More insight, more impact

SpringFour introduced the fully rebuilt S4direct — a major product release designed to deliver deeper insights, stronger results, and a better experience for organizations and their customers.

More than an update, this complete overhaul was guided by partner feedback and connects customers to 27,000+ cost-saving resources that reduce delinquencies and deliver ROI — while giving organizations real-time data to shape strategy.

S4Direct has garnered high engagement and conversion rates:

37% of visits result in a search
12% of visits result in customers opening resources

SpringFour has been an amazing contribution to what we are all probably seeing in the financial industry, which is, people are struggling. The economy is struggling. People are struggling to pay their bills. And this is where our partnership with SpringFour has been so instrumental in how we serve our members. When we’re talking to our members about how we can support them during these ups and downs, we bring up SpringFour. And we get a lot of positive feedback about the resources.

Jennifer Mink - Patelco Credit Union

10. Giving back where it matters most

Beyond our platform, the SpringFour team continued investing in the communities and leaders shaping financial health. For example, this year, Rochelle:

Joined the Board of Directors at West Suburban Community Pantry
Served as a semifinalist judge for VentureCat 2025 at Northwestern University, supporting emerging entrepreneurs through leadership and mentorship

Looking ahead

As financial pressure continues, SpringFour is focused on what comes next:

Expanding resources in healthcare, food assistance, utilities, employment services, and mortgage relief
Closely monitoring changes to federal programs and updating resources as policies shift
Continuing updates to our Student Loan Repayment Guide as repayment plans evolve
Supporting consumers navigating healthcare changes in 2026, including the loss of pandemic-era Medicaid coverage
Making it possible for employers to provide their employees with access to SpringFour, expanding their real-time financial health benefits
Speaking up as an industry leader to ensure that financial health and collections strategies include ways to create tangible, reportable, and measurable results

Financial health challenges aren’t slowing down, and neither is SpringFour. We’re focused on solutions that create win-wins: giving consumers a path forward while helping organizations boost repayments, decrease delinquencies, and capture real, measurable ROI.

From delivering financial health resources to our partners’ customers to predicting and tracking needs, there is so much that goes into our work with our partners. Best of all, we have the data to prove our ROI.