Klover is a personal finance mobile app that gives users access to cash advances and money-management tools without relying on a traditional hard credit check.
Range: cash advances before payday and tools that help users keep track of their spending.
How it works: users install the app, create an account and connect their bank account to unlock advances.
For whom: people covering bills or unexpected expenses between paychecks.
How it sells: as a mobile app distributed through app stores.