Puddle is the first tool for credit in the US that anyone can use – not based on your credit score, but based on people that trust you.

about the company


Skylar Woodward has been making websites ever since the birth of the graphical web in 1993. He has a long history building early Internet products, including Yahoo! Messenger and A turning point came in 2005 while building, the first online microlending site, with co-founder Matt Flannery – he discovered the power of credit to transform the lives of everyday folks. As CEO of Puddle, Skylar guides the product and the team on a decidedly disruptive path to realizing the future of consumer revolving credit.

Matt began developing Kiva in late 2004 as a side-project while working as a computer programmer at TiVo, Inc. In December 2005 Matt left his job to devote himself to Kiva full-time. As CEO for 10 years, Matt led Kiva’s growth from a pilot project to an established online service with partnerships in 80 countries and over 700 million dollars lent to low income entrepreneurs. More recently, Matt has dived back into the startup world by creating Branch International. Branch is a for profit, Android-based “branchless bank” for Africans just launched in 2015. In it’s first two years, Branch has made nearly a million loans in Tanzania and Kenya. Matt is Skoll Awardee and Ashoka Fellow and was selected to FORTUNE magazine’s “Top 40 under 40” list in 2009. In 2011, Matt was chosen for the The Economist “No Boundaries” Innovation Award. He graduated with a BS in Symbolic Systems and a Masters in Philosophy from Stanford University.