Salus

Salus enables credit unions to provide short‑term microloans through fully automated, real‑time underwriting that uses members’ existing transactional data—not just credit scores—to assess risk. By integrating seamlessly with core processors and digital platforms, Salus removes manual review steps and delivers a streamlined, branded experience that feels native to the credit union’s channel. The result: credit unions can confidently offer small‑dollar loans (typically $50 – $400), with decisions in minutes, to members who need them most—often younger or thin‑file individuals who are underserved by traditional credit models.

Equally powerful is Salus’s proprietary Stress Score, which identifies signs of financial distress before members fall behind, enabling proactive outreach with personalized support—whether financial counseling or affordable loan options. Rather than competing with neobanks and payday lenders, credit unions using Salus reinforce their mission of financial inclusion and member wellbeing. Built for the credit union ecosystem and driven by a shared purpose, Salus empowers institutions to deepen relationships, reduce reliance on predatory alternatives, and deliver mission‑aligned financial solutions at scale

Solutions

• Automated digital underwriting
• Microlending programs