DALLAS, TX—Fewer than 4 in 10 Americans have enough saved to to cover a $1000 unexpected expense.¹  Likewise, Americans borrow almost $200B annually from friends and family.²

In financial emergencies, there is limited consumer access to traditional lending options and no structure to automate loan repayment to friends and family.  In this vacuum, predatory lenders charge exorbitant interest and prey on borrowers when they are most vulnerable.

Zirtue is a relationship-based social lending app that simplifies loans between friends, family and trusted relationships with automatic ACH loan payments.  A more financially inclusive economy, especially for the underbanked and unbanked, is coming into being through Zirtue’s enterprise solution for borrowers. 


in relationship-based loans facilitated


average loan amount


borrowers helped by Zirtue

I grew up in the housing projects of Monroe, Louisiana and came from very humble beginnings. Everyone needs a financial lifeline from time-to-time. My way of paying it forward is to help people access low-interst loans in times of need. MEI is helping us create a more financially inclusive world.

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2021 Impact Priorities

Launch Zirtue debit card to offer a faster borrowing experience

 Reach more people with Zirtue’s offering

Ensure a customer first user experience throughout Zirtue

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