Traditional banks often overlook millions of data points that could help you get approved. At Petal, we analyze your banking history and transform it into a Cash Score — an alternative measure of your creditworthiness based on income, savings, and spending history. This allows more people to be approved with better rates, even if they've never had credit before.

At Petal, our mission is to expand access to opportunity, by making responsible and modern financial services available to everyone.

We’re using cutting-edge technology to make credit honest, simple and accessible. We use machine learning to analyze more data in our credit decisions, which means more people qualify, even if they’ve never had credit before. And we use behavioral science and intuitive design to offer a simple, customer-centric product that’s engineered to achieve better financial outcomes.

The result is an exciting new approach to credit that has the potential to radically expand credit access and improve the...