MPower
Fund II
Manu Smadja & Mike Davis
2017
Why we invested
International students face significant challenges accessing loans due to lack of credit history and collateral. MPower provides a student lending platform that enables financing for higher education without co-signers.
By leveraging proprietary credit risk models and university partnerships, MPower offers flexible loans tailored to students’ future earning potential. Its approach bridges the financing gap for thousands of underserved students.
The leadership team has strong experience in fintech and risk assessment, ensuring a data-driven approach to underwriting. Their ability to secure institutional capital and scale lending operations sets MPower apart in the market.
As global education financing evolves, MPower is well-positioned to expand its reach. With increasing demand for alternative student loans, the company is driving financial inclusion for international students in the U.S.
Our vision for
the future
01.
Traditional student loans will be replaced by alternative financing models that assess future earning potential instead of credit history. AI-driven underwriting will personalize loan terms based on career trajectories and income forecasts.
02.
Borderless education financing will expand, enabling students to access funding regardless of their nationality. Digital lending platforms will integrate with universities to provide seamless tuition payment solutions for international students.
03.
Embedded financial services in education will become the norm. Universities and online learning platforms will offer built-in financing options, helping students manage tuition, living expenses, and career-related costs without relying on banks.
04.
Postgraduate education will become more decentralized, with students choosing flexible, skill-based programs over traditional degrees. Alternative credentials and micro-certifications will gain value, and financing solutions will adapt to these new learning models.