Tomo Credit

At TomoCredit, we are at the forefront of a financial revolution, driven by our commitment to leveraging groundbreaking technology to redefine credit accessibility for millions. Founded on the principle of financial inclusion, our innovative platform is engineered to dismantle the traditional barriers of credit scoring. We have developed a proprietary AI-powered underwriting system, TomoScore, that looks beyond conventional credit histories. This sophisticated technology analyzes real-time, cash-flow based performance data, offering a more holistic and equitable assessment of an individual's creditworthiness. Our mission is to empower those who have been historically underserved by the financial system, including students, immigrants, and young adults, by providing them with the tools to build a strong financial future. Through our non-traditional approach, we are not just offering a credit card; we are providing a pathway to financial wellness and opportunity, enabling access to better loan opportunities for homes, vehicles, and more.

Our innovation extends beyond our unique underwriting model. We are continuously advancing our AI-powered financial wellness platform, TomoIQ, to provide personalized tools and insights that help our users manage their finances effectively. By focusing on a user's financial behavior, such as income patterns and spending habits, we offer a more accurate and fair evaluation of financial responsibility. This commitment to technological advancement has allowed us to process millions of applications and help a vast number of individuals establish a robust credit history. TomoCredit is more than a fintech company; we are a technology-driven solution dedicated to creating a more inclusive financial ecosystem. We are constantly pushing the boundaries of what's possible in financial technology to ensure that everyone, regardless of their credit background, has the opportunity to achieve their financial goals and thrive in the modern economy.