New Data From The "2026 Cash Poor Report" Shows the Cash Poor is Richer Than You Think

▤ Summary

SoLo Funds released its 2026 Cash Poor Report, an annual study on Americans living paycheck to paycheck and the costs of short-term borrowing. The findings show that 44% of Americans identify as cash-poor, and financial strain now reaches many middle-income households as well. The report also compares borrowing channels and says subprime credit cards remain the most expensive option, while peer-to-peer fintech is the least expensive category studied. SoLo Funds uses the report to position its AI-powered community finance platform as an affordable emergency-capital alternative. The data points to persistent demand for consumer fintech products that help users manage short-term liquidity gaps.

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