Our Mission

Our mission is to help small businesses reach their full potential

How did we get here?

3 out of 4 small businesses, from online sellers to mom and pop shops, can’t get financing. How can we help them grow or just sustain their businesses? Our Founder and CEO, Ken So, saw this first hand at a very young age watching his dad build his business but struggling to reach its full potential. Banks turned him away for loans. Fast forward to today, many traditional lenders still rely on the very same method that was invented and used in the 1960s.

We’re here to change that. So we built Tillful, a modern business credit ecosystem.

What makes us different?

Our strengths stems from our people. Flowcast brings together data scientists and credit experts to solve these hard problems. After years working with banks providing AI credit risk models, Flowcast built Tillful with the goal of educating and empowering small businesses to better their credit health. The Tillful platform leverages proprietary, patent-pending machine learning technology that has been trained and validated with real-world credit data in partnership with some of the world's leading lenders.

The result is Tillful - unlocking credit for all.

Join our growing team

It’s time for business credit to change.
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Build business credit with the all-new Tillful Card ✨
Tillful Credit Builder Card is coming soon!