Empower.me is a financial technology (fintech) startup that operates in the personal finance management and credit building space. It offers a range of services designed to help individuals manage their finances, build credit, and save money. The company's primary target market is individuals who are looking to improve their financial health, particularly those with no minimum credit score.

Empower.me's business model revolves around a subscription-based service. The company offers a 14-day free trial for first-time customers, after which it charges an auto-recurring $8 per month subscription fee. The subscription provides users with access to a suite of financial management tools, including customizable payment plans, budgeting tools, and credit score monitoring.

One of the unique selling points of Empower.me is its focus on credit building. The company reports users' payments to credit bureaus, which can help users build a positive payment history and improve their credit scores over time. However, it's important to note that failure to make monthly minimum payments can result in negative reporting, which may negatively impact a user's credit score.

Empower.me also offers a Thrive line of credit, subject to approval. This service involves a soft inquiry on a user's credit report, which does not impact their credit score.

In summary, Empower.me is a fintech startup that offers a subscription-based service aimed at helping individuals manage their finances, build credit, and save money. Its primary revenue stream is the monthly subscription fee it charges users for access to its suite of financial management tools.

Keywords: Fintech, Personal Finance Management, Credit Building, Subscription-Based Service, Payment Reporting, Credit Score Monitoring, Budgeting Tools, Thrive Line of Credit, Financial Health, Savings.