106 million Americans can't access credit at mainstream rates. CreditMax is built to work with credit unions through a CUSO-style partnership — reaching those members directly, capital-light, and aligned with the cooperative mission.
Bring real credit-building to the members and communities the credit system leaves behind — in a way that fits the cooperative mission instead of fighting it.
Members build credit history without taking on a loan, carrying a balance, or locking up a deposit. That keeps the partnership lean and our incentives pointed the same direction as yours.
We're incorporating as a Delaware Public Benefit Corporation, with financial inclusion written into our governing documents as a binding commitment — not a marketing line. Mission and economics move together.
We start with a conversation to understand your members, your goals, and where financial inclusion fits your strategy.
We structure the relationship in a CUSO format designed to align incentives and respect the cooperative model.
Together we bring credit-building to members who've been locked out — sustainably, and in line with your mission.
If extending financial inclusion to your members is a direction you're exploring, we'd like to talk.
Source: Experian and Oliver Wyman, 2022.