SpringFour is a social impact fintech that helps organizations connect people to vetted, local financial health resources that reduce expenses and improve financial stability. It works as a trusted partner to banks, credit unions, fintechs, mortgage servicers, employers, and nonprofits who use our SAAS to embed financial wellness resource referrals into existing customer experiences. Doing so transforms collection and loss mitigation strategies as well as improving customer engagement and payments. SpringFour is an award-winning leader in the financial health and wellness space.

SpringFour is used by banks, credit unions, fintech lenders, mortgage servicers, employers, and nonprofit organizations that want to support customers in financial hardship and strengthen financial health. Clients embed SpringFour into servicing, collections, and digital channels to add value, improve outcomes, and build long-term customer and employee relationships.

SpringFour supports customers in financial hardship by providing referrals to concrete, cost-saving services such as food assistance, utility support, healthcare savings, and employment resources that can immediately improve cash flow. By lowering household expenses and connecting people to support programs, customers are better able to stay current on payments, avoid default, and begin building or strengthening emergency, retirement, or education savings.

SpringFour provides solutions for both digital self-service and agent-assisted channels so organizations can offer help wherever customers engage.

• S4direct: A low-code, co-branded digital experience embedded in websites and apps so customers can search for help on their own. 
• S4connect: A no-code, hosted self-serve site that organizations can launch quickly to offer financial health resources without heavy IT work.
• S4pro: A cloud-based platform for contact centers and customer-facing teams, giving agents an easy tool to find local resources during live conversations.
• SpringFour for Debt Manager: SpringFour is available within Debt Manager, a comprehensive debt collections solution covering the full risk lifecycle.
• Agentic AI–ready data and tools: SpringFour’s data, products, and integrations are designed to plug into AI-native and agentic workflows so that AI assistants and chatbots can detect hardship and trigger referrals to relevant local resources in real time.

SpringFour offers resources in categories such as food assistance, utilities, housing and foreclosure prevention, healthcare and prescription savings, transportation, employment and income support, financial counseling, and more. These resources span national, state, and local nonprofit and government programs designed to reduce expenses and address specific financial challenges, and are complemented by expertly written financial guides that provide financial educational content and practical tips.

SpringFour’s nonprofit and government resources are curated and vetted by an internal data and resource integrity team that reviews organizations for legitimacy, relevance, and impact. Resources are updated regularly, and outdated or low-quality listings are removed so customers receive accurate, trustworthy referrals that focus on the most relevant options rather than overwhelming people in need.

Customers receive SpringFour referrals through customer service or agent interactions or digital self-service experiences. Referrals can be delivered via contact centers (using S4pro or integrated platforms such as Debt Manager) and through digital tools embedded into websites, mobile apps, emails, chatbots, AI-driven experiences, or hosted portals like S4direct and S4connect. Referrals typically appear as lists of local, actionable programs with descriptions and contact details that customers can use immediately.

Using multiple SpringFour products lets you engage customers across key channels—such as call centers, online banking, mobile apps, and collections workflows—so more people actually use the resources you fund. This broader, always‑on reach typically translates into higher self‑service rates, fewer delinquencies and charge‑offs, and stronger portfolio performance overall. As more customers find help earlier, organizations can see improved repayment behavior, lower operational costs, and a clearer, data‑backed ROI story to share with internal stakeholders and regulators.

By helping borrowers reduce expenses and stabilize their finances, SpringFour helps organizations improve repayment performance and reduce delinquencies across all consumer loan portfolios. Case studies have shown meaningful lifts in repayment when SpringFour resources are incorporated into hardship and collections strategies such as loan modification, payment plans and foreclosure assistance programs, as customers are better able to stay current on their obligations.

Organizations measure success and ROI with SpringFour using metrics such as repayment rate improvement, delinquency reductions, improvement with credit losses, digital engagement rates, call outcomes, and customer satisfaction. Agent feedback and surveys can be used to evaluate how SpringFour performs in contact center flows, while SpringFour’s reporting supports CRA, ESG and social impact efforts by quantifying referrals delivered, categories of help, and consumer outcomes tied to financial health goals.

SpringFour is designed to plug into existing customer journeys, including servicing calls, collections and hardship outreach, digital banking and lending experiences, onboarding flows, AI-powered channels like chatbots, and proactive engagement campaigns. It becomes a standard component of financial health and collections strategies so that whenever a customer signals stress, staff or digital tools can immediately offer relevant help throughout the lifecycle.

SpringFour’s reporting is designed to protect privacy and align with client security frameworks by using anonymous tracking IDs instead of personally identifiable information. Through a proprietary reporting portal, clients can access real-time and in-depth insights on search activity, referral interactions, top resource categories, and engagement by geography and channel. These insights help organizations refine outreach, tailor messaging, and demonstrate business, social, and CRA-related impact to internal and external stakeholders, including regulators.

SpringFour does not operate as a lead generator and does not sell customer data or receive payment from the nonprofits and government programs it lists. SpringFour’s revenue comes from organizations that license its software, so referrals remain unbiased and focused on client and consumer benefit.

SpringFour’s consumer tools are designed so that people can search by ZIP code and need categories without providing personally identifiable information. SpringFour follows strong data protection practices and works within client security and compliance frameworks to help keep consumer information safe.

Solutions like S4direct and S4connect are built for rapid deployment, often in under 30 days, because they use configurable, co-branded experiences that minimize IT effort. This allows organizations to launch financial health support quickly in response to economic conditions, natural disasters, regulatory expectations, or strategic initiatives.

Unlike financial education sites or budgeting apps that focus on information or tracking, SpringFour focuses on connecting people to concrete, local resources that immediately reduce household expenses and address urgent needs. SpringFour does not use affiliate links, paid placements, or sponsored recommendations—every resource is vetted and included based on relevance and impact, not financial incentive. It complements, rather than replaces, education and budgeting tools by turning financial stress into actionable next steps through vetted referrals that can be tied directly to consumer actions and benefits.

SpringFour is trusted by banks, lenders, and servicers because it delivers measurable business results while aligning with compliance, brand, and ESG priorities. Its long track record, rigorous vetting of resources, and clear, consumer-first business model make it a reliable partner for institutions that want to support customers, strengthen financial health, and improve portfolio performance at the same time.