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 23,500 financial health referrals to customers in 2023 in partnership with leading banks, credit unions, fintech lenders, employers, mortgage servicers, nonprofits, and more.
Increase Payment Rates
Clients have doubled projected repayment rates and seen $1,000 reductions in annual net credit losses from using SpringFour.
Empower Employees
98% of agents felt SpringFour helped them provide better customer service. 94% say SpringFour helps reduce expenses for customers.
Improve Financial Health
Customers are 10% more likely to remain current on mortgage payments and 2x more likely to engage in foreclosure prevention efforts after using SpringFour.
Demonstrate Empathy
85% of agents say SpringFour makes customers feel more positively about their company. SpringFour powers engagement, retention, loyalty, and trust.
Powering Financial Health with Bank-Fintech Partnerships
Head of Deposit Products at BMO, Ben Schack, discusses the power of partnership with SpringFour
Testimonials
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
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
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.
That really inspired us and is what led us to think that there’s got to be more tools to do so. And so, we discovered SpringFour and decided to add it to our toolkit. Our expectation is that now that we’ve got this broader set of tools, we’ll be able to help a lot more people through their financial challenges.
SHANE HOLDAWAY
CEO
Customers who accept SpringFour referrals are measurably more likely to stay current on their loans and avoid charged-off balances. It more than pays for itself and we were also able to improve customer experience along the way.
BEN SCHACK
Head of Deposit Products, US Personal and Business Banking
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.
Certified & Dedicated to Impact
SpringFour is proud to be a Certified B Corporation, a designation that a business is demonstrating high social & environmental performance, accountability, & transparency. Certified B Corporations are leaders in the global movement for an inclusive, equitable, & regenerative economy.
Awards & Recognition
