SpringFour

Your partner in financial wellness

Available in Debt Manager, SpringFour connects lenders to over 25,000+ nonprofit and government resources, supporting customers on their path to financial well-being.

Financial wellness simplified

SpringFour connects customers to vetted financial health resources

As the pioneering financial health fintech, SpringFour connected over 8 million consumers to more than 25,000+ financial support resources in 2024 alone.
Available within the Debt Manager solution, SpringFour covers essential living expenses and increases wallet share for past-due obligations. This powerful combination accelerates customer financial recovery, delivering compassionate support that’s never forgotten. It’s a true brand builder.

Core value proposition

Empowering financial health together

Challenge
Challenge

The cycle of financial distress

Widespread financial vulnerability, record debt levels, and economic pressures mean many customers struggle to meet obligations. Traditional collections often miss the opportunity to address root causes, leading to ongoing delinquencies, strained customer relationships, and stressed collection teams.

Solution
Solution

Integrated financial wellness & resource connection

SpringFour helps consumers with delinquent debt access resources to improve financial health and avoid future payment issues.

Outcome
Outcome

A win for lenders and their customers

Delivers measurable, positive outcomes for customers and the organizations that serve them.

Explore how we help our customers

Use cases

Discover key features

Empowering financial wellness

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SpringFour

Rapid integration

Integrating third-party solutions can be complex, time-consuming, and require IT resources.

Solution

Quickly implement powerful financial wellness tools with minimal IT burden.

Testimonials

Proven results

“SpringFour underscores our commitment to fiscal responsibility and demonstrates our dedication to supporting the financial well-being of our customers.”

Jeoff Begin

Head of US Collections, BMO

“We prioritize these strategies because they benefit our customers. We believe in a virtuous cycle: when customers succeed, our business thrives. By creating products and experiences that deliver real value and drive customer success, we ensure our investments are worthwhile.”

Ray Tervol

Managing Vice President, Capital One

Our solutions

Find the perfect solution for your needs

Better decisioning everywhere
Transform complex data into smarter decisions across the credit lifecycle with a powerful, business-friendly decision engine.
All-in-one collections solution
Streamline your collections process with an industry-leading solution that automates workflows and maximizes productivity and improves collections.
Add-on
FitComms
For Debt Manager
Simplify communications
Engage customers through their preferred channels with personalized, timely messaging that increases response rates and payments.

Financial wellness solutions

Why SpringFour?

25,000+
vetted, local nonprofit and government resources
25+
categories of financial health resources
Support customers' financial health with complimentary and low-cost services that free up wallet share to pay other financial obligations. It's a proven path to financial wellness and increased repayment rates.
  • Drive significant financial results: Achieve an up to 10x increase in payment rates following rapid, no-code implementation.
  • Enhance brand reputation & customer loyalty: Connect customers to 25,000+ vetted resources, demonstrating genuine support that strengthens your brand, enhances loyalty, and supports your ESG goals, and encourages customers to pay you back first when they have the capacity to because you helped them in their time of need.
  • Empower your team & improve service: Equip teams with tools that save time, build trust, and connect customers to resources that support their financial health.
  • Benefit from proven, integrated support: Offer access to a vast, independently verified network through a turnkey solution within Debt Manager.