Our Mission is to Make Consumer Debt Easier

The student debt crisis hit close to home for co-founder Tomas Campos when it impacted his niece and sister. Witnessing their struggles—and the millions of other Americans saddled with debt—Tomas was driven to find a way to create meaningful change. Credit has become a roadblock for too many people, and isn’t delivering on its promise for consumers and businesses alike.

As a team of experienced fintech builders who previously created APIs for one of the world’s largest payment networks, we saw an opportunity to use our expertise to make a difference. We started by listening: months of interviews and testing helped us understand the needs of borrowers and the businesses working to support them. The result? Spinwheel, a modern platform that improves every aspect of the consumer debt lifecycle, addresses the debt crisis by enabling apps and services to deliver scalable, innovative solutions.

Spinwheel bridges the gap between borrowers and the businesses that serve them, making debt easier to manage for everyone. By increasing access, choice, and transparency, we alleviate the burdens of debt while improving outcomes across the financial ecosystem.