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Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.

At Village Labs, we help America's businesses become employee owned by helping them set up and manage an employee stock ownership plan (ESOP). ESOPs are a federal retirement plan that enable businesses to give their employees a stake in the company in exchange for significant tax benefits. With 2.9M Baby Boomer business owners set to retire in the coming years, there's a growing "Silver Tsunami" of businesses across the country in search of new ownership. For many of these owners, selling to their employees is a socially-minded yet financially pragmatic solution. By selling ownership of their business to an ESOP, owners get a fair price, tax benefits, and the satisfaction of knowing their employees and legacy will be taken care of — things not guaranteed with traditional buyers like private equity. In turn, employees retain their jobs and get shares in the business that can help them create life changing wealth by the time they retire — imagine an office secretary retiring as a millionaire. Thousands of businesses across America like Bob's Red Mill, Harpoon Brewery, and Recology already have an ESOP, benefiting over 14 million workers and creating 2.1 trillion in employee wealth. We're excited about the opportunity to massively grow these numbers by making it simple for every business to become employee owned.