Heroku App Offers Socially Responsible Small-Dollar Loans through an Innovative Lending Model The LendUp Ladder helps people achieve financial well-being through an incremental loan program with built-in education tools and credit scoring Borrowing money may be a straightforward process for many of us, but for the millions of Americans living on the edge of our financial system, it can be a dangerous game of chutes and ladders. Declined by traditional lenders, they look to alternative sources for short-term cash when they’re faced with an unexpected shortfall or emergency expense. Many borrowers in this situation don’t have the luxury of thinking beyond the next few days or weeks, and a traditional payday loan can leave them worse off than they started. Instead of solving an immediate cash

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