Bronx-based Spring Bank is expanding unbanked customers’ access to banking with a variety of innovative services. The bank’s signature consumer loan program, Borrow and Save, encourages savings by placing 25% of the loan amount into a savings account. The bank also partners with nonprofit employers on its Employee Opportunity Loan Program, which provides loans as an employee benefit. Now, Spring Bank has formed a partnership with financial self-assessment tool Happy Mango to develop an online lending platform that offers an alternative to traditional credit ratings. The new platform will also help users track spending and manage their finances. “There are folks who don’t make a lot of money, but who are really good stewards of the money they do make, so we feel that they will be a good bet,” said director of consumer lending Melanie Stern.