Tomo Partnerships
Partner with Us to Grow Your Audience & Expand Financial Access
At Tomo, our mission is to help everyone build credit and access financial power — regardless of their credit history. We partner with fintech platforms, employers, financial institutions, creators, and community organizations who share this vision. Together, we can help more people unlock better financial futures.
Access 4.5M+ Financially Motivated Consumers
Tomo reaches a growing community of 4.5M+ users — many of whom are “Cash-Rich, Credit-Poor” - cash-flow positive but underserved by traditional credit systems. They’re ambitious, digitally native, and actively looking for smarter financial solutions that recognize their real financial behavior.
TOMO ADVANTAGE
Powered by TomoScore.
TomoScore is our proprietary scoring system built on real-time cash flow and financial behavior. Unlike traditional credit scores, TomoScore reflects how users actually earn, spend, and manage money today, giving them deeper insight into their financial health.
TomoScore drives engagement within our ecosystem and now powers infrastructure for select B2B partners — enabling smarter segmentation, personalized offers, and data-driven decisioning built on real-time financial intelligence.
WHO'S IT FOR
Why Partner with Tomo.
Unlock Growth Through AI & Financial Wellness.
Tomo's AI financial assistant (TomoIQ), built on years of cash-flow and behavioral insights, anticipates spending patterns, understands income dynamics, and surfaces personalized recommendations aligned with each user's financial goals. Partner with us to drive smarter engagement, increase retention, and create long-term value through timely, data-driven financial experiences.
The program
How it works.
1. Apply to Become a Partner
Fill out our partnership form to tell us more about your organization and goals.
2. Onboard Effortlessly
Our team will guide you through setup and match you with tools to succeed.
3. Launch and Grow
Start referring users, tracking performance, and earning value — all while supporting your audience's financial goals.