YoFWD

For employers and lending institutions

Help people regain stability and build what comes next.

We are developing accompaniment programs for employers going through individual dismissals or group redundancies, and for lending institutions whose customers face lost or reduced income.

We connect practical support during the transition with new possibilities to generate income.

For my teamFor my customers
Two professionals in a warm one-on-one work conversation.

Employment can end. The accompaniment does not have to.

From an individual dismissal to a group redundancy, a proposal to offer practical support to people leaving —or who already left— your organization.

The accompaniment can help each person:

  • Organize their immediate next steps
  • Understand the income change and their priorities
  • Recognize transferable capabilities and explore new income paths

This is not a recruitment service, it does not promise job placement, and it does not modify your organization's legal obligations.

When your customers' income changes, the way you support them can change too.

A proposal for banks, cooperatives, finance companies, card issuers and other lending institutions.

The accompaniment can help your customers:

  • Understand their situation
  • Prepare conversations about their commitments
  • Review possible protections
  • Move toward recovering their income

The alternatives depend on each institution, contract and country. We do not promise coverage, agreements or arrears reductions.

Looking for support for yourself?

Get to know YoFWD and our approach to building your next stage.

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What each participant receives

Support for the present. Possibilities for what follows.

Approach of the program we are developing

  1. 1

    Understand the situation

    Identify priorities and next steps.

  2. 2

    Organize commitments

    Sort out income, essential expenses and questions for creditors.

  3. 3

    Recognize capabilities

    See experience and skills beyond the previous job title.

  4. 4

    Build a path

    Explore options to recover income and turn them into actions.

This is the approach of the program we are developing. Individual outcomes are not guaranteed.

How it works

A program tailored to your organization.

  1. We talk about your case

    We understand your country, the people involved and your organization's need.

  2. We agree on scope and access

    Together we define what the accompaniment includes, including a possible pilot.

  3. We evaluate the accompaniment

    We review participation and usefulness with agreed indicators and respect for privacy.

Coverage and next markets

A proposal that can grow with your organization.

Costa Rica is our starting market. We are preparing a gradual expansion, guided by demand and by the ability to offer appropriate accompaniment in each country.

  • Starting market · pilot in preparation
  • Target market · to be validated
Select a country on the map or in the list to see the detail.
Status
Costa Rica
Status:
Starting market · pilot in preparation
Target quarter:
2026 Q3 · Jul – Sep
Institutional programs:
Scope to be agreed

No service availability confirmed. Conversations about possible pilots only.

Proposed roadmap

Target countries and dates are subject to validation. They do not indicate current service availability.

  1. 2026 Q3

    Jul – Sep

    • Costa Rica

      Starting market · pilot in preparation

  2. 2026 Q4

    Oct – Dec

    • Mexico

      Target market · to be validated

    • Colombia

      Target market · to be validated

  3. 2027 Q1

    Jan – Mar

    • Brazil

      Target market · to be validated

    • Chile

      Target market · to be validated

  4. 2027 Q2

    Apr – Jun

    • Peru

      Target market · to be validated

    • Argentina

      Target market · to be validated

  5. 2027 Q3

    Jul – Sep

    • United States

      Target market · to be validated

    • Other markets

      Under evaluation

This timeline describes markets of interest, not physical offices. ES, EN and PT are the languages of this website, not a promise of accompaniment in every country.

About us

Your profession does not define everything you can do.

YoFWD is an initiative driven by Ernesto Moreno to help people recognize the full set of their capabilities and build a next stage with greater stability and possibilities.

We are born with an international vocation and a person-centered approach.

The organization can fund the accompaniment; it does not direct the person's decisions.

  • Autonomy

    The person decides. The accompaniment brings clarity and structure; the decisions belong to the person living them.

  • Privacy

    No automatic access for sponsors, employers or lending institutions to conversations or personal budgets.

  • Transparency

    We distinguish a proposal in development from confirmed services and results.

Contact

Let's build more possibilities together.

Let's talk about how YoFWD could support the people of your organization or your customers.

Write to us

hello@yofwd.com

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Privacy

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The message reaches our inbox only when you review and send it from your email application.

Emails we receive are used to answer your inquiry. No sponsor, employer or lending institution has automatic access to conversations or personal budgets.

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For requests about your data, write to privacy@yofwd.com.

YoFWD is an early-stage initiative. The scope of each program is defined by agreement; we do not declare legal-compliance certifications or fixed retention periods.