Who are these people?

Introduction to ALPHA

Ode to Transparency

If it's free, how do we make money?

Serving the underserved

50+ Million

Small businesses don't have fast access (or any access) to capital

7+ Million

Veteran, minority & women owned businesses


Average American
(non-mortgage) personal debt.


Americans with less than
$1000 to their names
Our Talented Crew

Meet The Team

Holding Co. CEO

Jacob Schuler

“Today’s best practices lead to dead ends; the best paths are new and untried.” -Peter Thiel

Holding Co. CEO

Jacob Schuler

“Today’s best practices lead to dead ends; the best paths are new and untried.” -Peter Thiel

Featured in

It's in our DNA

Our Values:

Honesty & Integrity

Not just words on the wall, they are the very foundation of who we are.


Value is more than just a dollar-store mantra, it's always pushing to make sure we are valuable to you.

Financial Inclusion

We believe banking is a basic human right, no matter who you are.

Economic Health

When the American people and businesses are financially healthy, the economy can be healthy.


Nothing to hide, legal documents anyone can read, and wearing our motives on our sleeves.

Debt as a last resort

We promote savings, planning, and understanding. We will never push credit, but have it if you need it.

Like a Plague

We Stand Against:

Predatory Lending

Payments you'll never get out of. Rates that suck you dry. Terms that nobody understands. It's those things that put good people on a slippery slope.

Deceptive Banking

"Free Checking" isn't really free is it? Ours is! On a grander scale, it's also refusing to pull shady stunts like what caused the 2008 crisis.


Adjustable Rate Mortgages. Balloon Payments. Daily pay at exorbitant rates. These were designed for one-thing: to sell an enticing product with a killer secret.

Misuse of trust

Banking scandals are becoming the norm, but people turn a blind eye soon after because there are no other options. Now there is.

Peddling harmful products

Perhaps the reason our country, business, and individual debt levels are in crisis, we are constantly told it's normal to pay crazy rates.


It's not just about the lavish parties and inconsequential spending, its when there is an opportunity to charge less, they won't take it.

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Let's Connect

Drop Us a Line

We'd love to hear your story! We're doing some really innovative things that are specifically designed for you, so tell us how it's going to move you closer to your goals!

We're hiring! Do you believe in our mission and want to work for an awesome company? Send us the usual materials and we promise to take a look.

Join the waitlist today!
Accounts are opened on a first-come, first-served basis.