Stilt Inc., based in San Francisco, is a financial technology company that revolutionizes how individuals build and access credit. The company primarily serves immigrants and people with limited or zero credit history in the U.S. Stilt provides personal loans with low-interest rates, without requiring a cosigner or a Social Security Number (SSN). The company uses a unique credit scoring model that considers factors such as education, work experience, income, and financial behavior to determine loan eligibility and interest rates. This approach allows Stilt to offer competitive rates and flexible repayment options, including no prepayment fees. Stilt operates in the financial services market, focusing on underserved communities who often face challenges in accessing traditional credit. The business model is based on earning interest from the loans provided to its clients. By leveraging big data and advanced analytics, Stilt aims to provide a seamless and hassle-free loan application process, ensuring that clients can check their loan options without impacting their credit scores.

Keywords: financial technology, personal loans, immigrants, low-interest rates, no cosigner, credit scoring, underserved communities, flexible repayment, big data, advanced analytics.