Aura is a white label loan origination and investing platform that enables any brand to lend to its customers and any accredited investor to invest in consumer loan portfolios. Aura was born out of our realization that banks will not be the lenders of tomorrow – brands will. Traditional banks, saddled with new rules and regulation, are no longer in the business of taking risk and making loans and cannot be relied on to deliver credit access and opportunity to the masses. Instead, tomorrow's lenders will be media companies, retailers and prominent brands that have deep relationships with their customers and want to step in to help their customers get a fair loan. But, to do it right, they need scoring, servicing, technology and capital — all of which are expensive and difficult to build. So, why build it if you don’t have to? This is the future of lending. Any brand or company can be a lender. We've launched "Lending as a Service" (LaaS) to power this transformation. Aura was also born out of our belief that access to affordable and fairly priced loans is opportunity, and that access to opportunity should not be limited to people with high incomes and FICO scores. Personally, it pains me to read about working class people spending $4,500 to buy a $1,500 couch because they have no other options. I founded Progreso Financiero in 2005 to solve this problem for the Hispanic population. We did an amazing job revolutionizing credit access to hundreds of thousands of Hispanic families at affordable rates and with low losses. But, why stop there? Aura is an expansion of the belief that all people deserve access to affordable loans based on more than their credit score and whether or not they have a banking relationship. Our LaaS model enables us to partner with brands that have national reach online and across thousands of branches so we can improve the lives of millions while also raising the bar on lending and opportunity in America.