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, OppFi
We are driven to support every facet of need in the markets we serve, delivering the capabilities of a larger bank with the care and empathy of a local institution. SpringFour is a like-minded partner. Their platform allows us to offer customers an easy way to locate local resources to address financial challenges and help them achieve financial wellness, so we can make a difference in their lives.
RICHARD GOLD 
CEO
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.
From both our professional and personal experiences, we understand that financial setbacks happen, and people may need additional resources to overcome them. SpringFour’s financial health resources support our goal to provide individuals with a path forward and alleviate additional financial burdens.
SHANE HOLDAWAY 
CEO
We have seen a tremendous benefit to our customers. Since the beginning of our partnership, SpringFour has provided BMO customers with references to over 200,000 crucial financial health resources. This has been a valuable experience that we are proud to offer our customers, and which has also benefited the bank through improved portfolio performance.
JEOFF BEGIN 
Vice President, Head of US Collections & North American Small Business Special Accounts
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
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
The simplicity of
SVP, U.S.Bank Mortgage Servicing, Default operation
The simplicity of
SVP, U.S.Bank Mortgage Servicing, Default operation
Sending money home?
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Get Paid Easily & Quickly
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Tani Tondi
Kati Jerry
Sana Sanhi
An all-in-one payments partner
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Credit card balances are sky-high and a tenth of consumers are locked into persistent debt
This article features BMO + SpringFour’s partnership. Credit card balances have hit a new high of $1.079 trillion, rising $154 billion from last year. Delinquencies are also rising in tandem, and a tenth of consumers are locked in persistent debt.
Q3 2023 Impact Report: Explore our Award-Winning Results
This quarter alone, SpringFour’s award-winning, empathy-first strategy was recognized by top brands like Fast Company, Finovate, and Fintech Futures, and highlighted in a number of press features including Tearsheet, BankingDive, and HR.com. Q3 resource enhancements include a new Transportation category and updates for student loan borrowers as payments resumed this quarter.
What does impact mean to the SpringFour team?
On Be the Impact Day, the SpringFour team each shares insights about what impact means to them. To drive impact with SpringFour, contact us at impact@springfour.com.
We are 24/7 available
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