Align Income Share Funding (founded as Cumulus Funding in 2011) is a Chicago-based personal finance company that offers a more flexible alternative to a personal loan. Our product is called an Income Share Agreement (ISA), and we give consumers access to money (typically between $1,500 and $12,500) in exchange for a small percentage of their future income over a fixed term (typically 2-4 years). Payments to Align are inherently affordable for our customers as their monthly obligation fluctuates with their income, potentially all the way to zero if the customer becomes unemployed. Unlike traditional lenders, Align provides our customer with a more flexible and transparent payment structure that ALIGNS our interests with our customers’ – when they succeed, so do we – and our structure adjusts to their changing financial realities during challenging times. Align in the only company currently offering Income Share Agreements to the general working public.