Financial readiness drives mission success
Financial readiness that strengthens the Force
AI-powered tools that guide service members toward better financial decisions—and give leaders the visibility to strengthen unit readiness.
At Poncho, we believe financial readiness is not just a checkbox—it’s a foundation. When a young service member is stressed about money, it affects everything in their lives: focus, performance, resilience, and even relationships. But when we meet them early, on their terms, with tools they trust and training that speaks their language, we’re not just another resource— we are part of a team.
Poncho was built to develop financial strength the way we develop every other form of readiness: through culture, through competence, and with care. We're not another financial app—we’re a capability designed to reduce risk, advance the mission, and help people live better lives.
We’d welcome the opportunity to show how this can help you to support your people and your mission.
Modern Financial Readiness Platform for the U.S. Military
Personal Financial Guidance
A mobile experience that helps service members understand their pay, manage cash flow, track goals, and make confident decisions—without judgment or jargon.
FINRED Score & Readiness Analytics
A standardized financial readiness score for individuals, units, and installations. Leaders gain proactive visibility to intervene early and strengthen availability.
Collaboration, Learning, & More
Seamless collaboration with Personal Financial Counselors and access DoW resources to ensure better decisions.
How Poncho Works
AI-Guided Decision Support
Personalized recommendations based on pay, entitlements, spending patterns, and milestone life events.
Real-Time FINRED Dashboards
Actionable insights for leaders to monitor trends, spot risk early, and track unit improvements.
LES & Liability Ingestion
Secure integrations via MyPay and Method to populate income and debts automatically.
Training Management Engine
Automated workflows that trigger, deliver, and record FINRED milestone training.
Counselor Collaboration Tools
PFCs can manage cases, assign tasks, and track outcomes in one place.
IL-4 Ready Architecture
Secure, government-ready infrastructure designed to scale across the DoD.
Who we serve
Service Members & Spouses
Clear, judgment-free guidance to build confidence and stay on track—from cash flow to PCS decisions.
Leaders & Installation Staff
Real-time visibility into financial readiness across units and installations.
Personal Financial Counselors
Tools that streamline case management and scale the impact of expert guidance.
Defense Partners & Investors
A scalable, data-rich platform reshaping the financial readiness infrastructure.
What makes Poncho different
AI-Native from Day One
Poncho learns from counselor workflows, user outcomes, and readiness data to deliver hyper-personalized guidance.
Built for military life milestones
Every major milestone—PCS, housing, cars, childcare—is mapped to DoD-accurate entitlements and policies.
Designed for Trust & Adoption
A simple, judgment-free user experience built to earn users’ trust and align with FINRED policy and Department workflows.
About Poncho
Founded by former Marine Corps officers with deep experience in readiness, technology, and personnel
AFWERX SBIR awardee
SDVOSB
Extensive input from the DoW, major commands, warfighters and counselors
Team has built and sold enterprise technology for small business, enterprise, and government
Experts in fintech, AI, enterprise analytics
What drives us
Mission first, people always. The GI Bill transformed educational opportunity for millions. Poncho strives to do the same for financial stability — helping service members build a secure life while improving readiness across the board.
Stronger finances make stronger families, a stronger military, and a stronger nation.
