GoodBread

GoodBread is building a next-generation small-business lending platform that combines innovative underwriting technology with a scalable Lending-as-a-Service model. We underwrite based on real-time business and household cash flow, credit history, and contextual data—without relying on blunt credit score cutoffs or rigid time-in-business rules. This approach allows us to more accurately price risk, expand access to capital, and maintain strong repayment performance while serving entrepreneurs overlooked by traditional lenders.

Beyond direct lending, GoodBread powers loan programs for partners—including CDFIs, ESOs, and mission-aligned institutions—through a modular Lending-as-a-Service offering. We provide end-to-end infrastructure: underwriting, application flows, decisioning, servicing, reporting, and borrower engagement tools. This enables partners to launch and scale small-dollar loan programs quickly and efficiently without building internal lending technology.

A core pillar of our model is the creation of regional loan funds designed for impact-oriented investors. These funds deploy capital locally, leverage trusted community partnerships for origination, and benefit from GoodBread’s centralized underwriting and servicing platform. The result is a repeatable, data-driven model that generates sustainable returns, strong social impact, and proprietary underwriting insights—positioning GoodBread as both a lending operator and a durable fintech platform.