Align Income Share Funding
Financial ServicesIllinois, United States2-10 Employees
Align Income Share Funding is a small financial services firm based in Chicago. Founded in 2011 as Cumulus Funding, it was among the early providers of income share agreements to U.S. consumers. Income Share Agreements require payments as a percentage of future earnings over a fixed period, with the amount varying with income and the possibility of zero payments during periods of unemployment. The company's ISA product is used to address a range of needs, including medical bills, debt consolidation, car repairs, or major life events such as weddings. It operates within the consumer finance sector, offering an income-linked repayment option as an alternative to traditional loans. In 2019, the firm expanded its offices to Florida and Arizona, extending its geographic footprint.