Founded in 2013, Refresh Financial's mission is to help Canadians, particularly those with poor or no credit history, gain access to credit and build a stronger financial future. Their primary product is the "Credit Builder Loan," a secured savings loan where clients' payments are reported to credit bureaus, and the loan principal is released to the client upon successful completion. In 2021, Refresh Financial was acquired by Marble Financial Inc. Subsequently, in late 2023, Marble Financial Inc. rebranded to Koho Financial Inc., integrating the Refresh services directly into the Koho platform.

Founded in

Canada