More families are living paycheque to paycheque and current market forecasts project that this trend is likely to increase in 2023-2024. Unanticipated expenses leave people in need of short-term loans to provide needed bridge financing.

Until recently, people needing short-term financing would turn to one of the approximate 38,000 “brick & mortar” retail locations across the USA and Canada. They would apply in person and wait for a retail employee to assess the application. This model is outdated, inefficient, and carries significant risk to the lender.

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