You aren’t destined to struggle.

40


40% of Americans need to borrow or sell something to cover a $400 emergency¹

50


Nearly 50% of Black and Hispanic households are unbanked or underbanked²

Despite the barriers to wealth equality, you can change the narrative by taking control of your finances with a partner that has your back.

SPEND SMART

Manage bills

Track paydays

Monitor financial health with the Mobility Score

BUILD CREDIT

Report rent payments to Equifax by photo receipt, bill pay, existing bank account, or MoCaFi MoneyGram ID 3

Track your VantageScore

Apply for MoCaFi credit builder loans 3

DO YOU

Build financial literacy to
handle the unexpected

Get coached by a finance pro

Achieve a personal goal by completing
a MoCaFi Master Class

LEVEL UP

Build financial literacy to
handle the unexpected

Get coached by a finance pro

Take a MoCaFi Master Class

SPEND SMART

Manage bills

Track paydays

Monitor financial health with the Mobility Score

BUILD CREDIT

Report rent payments to Equifax by photo receipt, bill pay, existing bank account, or MoCaFi MoneyGram ID 3

Monitor your VantageScore

Apply for MoCaFi credit builder loans 3

FICO scores your life. MoCaFi rewards it.Earn your way to financial peace through the MoCaFi Mobility Score


The MoCaFi Mobility Score is a real-time snapshot of your financial health based on:

Monthly Income
Expense to Income Ratio
Credit Score
Financial Literacy

Build your Mobility Score to access:

MoCaFi Mobility Cash credit builder loans³
One free financial coaching session for new users within 90 days of signing up
Rewards and offers from MoCaFi partners

FICO scores your life. MoCaFi rewards it.Earn your way to financial peace through the MoCaFi Mobility Score


The MoCaFi Mobility Score is a real-time snapshot of your financial health based on:

Monthly Income
Expense to Income Ratio
Credit Score
Financial Literacy
Social Character

Build your Mobility Score to access:

Short-term credit builder loans based on your rental payment history
One free financial coaching session within 90 days of signing up
Partner offers and rewards

Get Our Free Guide to Building Wealth


Together, we can create financial security and peace of mind when managing money. Learn how to transform the way you think about money, credit, and personal growth.

“Families forced to rely on exploitative financial services – like payday lenders, check cashing spots or pawn shops – often spend more for these than they do on food. There has to be a better way.”

Wole Coaxum, Founder and CEO, MoCaFi

Mobility Capital Finance, Inc. serves communities outside of the financial mainstream. We’re disrupting the $144 billion alternative financial services industry with affordable, credit-building financial products. Our mission is to help communities transition out of financial vulnerability to economic prosperity.

About MoCaFI

The Akimbo MoCaFi Prepaid Mastercard®

LOAD CHECKS & CASH

Deposit funds from approved checks with Ingo™ Money4 and cash with Green Dot® ReLoad @ the Register™ and Mastercard rePower™.

DIRECT DEPOSITS

Automatic loads with direct deposit from your employer and benefits provider or link a bank account to transfer funds

SUB-CARDS

Create up to five sub-cards for managing allowances, budgets, and money sharing among family and friends.

SHARE FUNDS

Share money with MoCaFi cardholders in real-time or on your schedule.

ACCOUNT MANAGEMENT

Manage your money in the MoCaFi app for iOS or Android.

Create your path tofinancial peace

Download MoCaFi

Get Your Mobility Score

Earn Rewards and Services

Download on the App Store Get It On Google Play

The Akimbo MoCaFi Prepaid Mastercard is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. This card may be used everywhere Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

1 Board of Governor’s of the Federal Reserve Report on the Economic Well-Being of US Households 2017

2 2017 FDIC National Survey of Unbanked and Underbanked Households

3 The Rental Payment Reporting, Mobility Score and Mobility Cash features are not Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse this feature.

4 Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details.

MoCaFi Wealth Coaching Session is provided to you by a MoCaFi counselor. Your session is based on the information provided by you to your MoCaFi counselor related to your financial needs and objectives. Your session is intended to provide only broad, general guidelines which may be helpful in assessing and making decisions about financial products and services which may be available to you (such as securities, insurance, lending, banking services, credit reporting, etc.) and that may help meet your needs and objectives. Your session may also contain general educational topics about investing and financial matters. It is most important that you understand that your actual experience will differ from the discussions held during your session. That is why you should reassess your financial needs and objections with updated data and assumptions on a regular basis.  The discussions provided during your session are not intended to be investment advice or a projection of future investment performance.  Discussions provided during your session are not a projection of the potential return of any investment, nor are they a projection of future inflation rates or the state of the world or domestic economy. You should seek the guidance from a financial or investment professional before proceeding with any investment decisions. Any illustrations provided during your session do not contain income tax calculations and legal concepts. The discussions provided during your session do not constitute tax or legal advice.

No liability is assumed by MoCaFi resulting from the use of the information contained in any financial illustrations. You are solely responsible for any financial decisions you make.  MOCAFI MAKES NO WARRANTY AS TO THE RESULTS THAT YOU MAY OBTAIN FROM YOUR SESSION WITH A MOCAFI COUNSELOR AND ANY INFORMATION OR ADVICE YOU RECEIVE.  MOCAFI WILL NOT BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHETHER FORESEEABLE OR NOT, WHICH MAY RESULT FROM YOUR SESSION WITH A MOCAFI COUNSELOR.  MoCaFi respects your privacy and will maintain the confidentiality of any information you provide to a MoCaFi counselor in accordance with the MoCaFi Privacy Policy available on the MoCaFi website at MoCaFi.com.