Finance built for the full picture of who you are

Grow through anything.

The AI-powered lending platform built by women, for women. We don't score you on who you used to be — we see who you are right now.

$1.7T
In unmet lending demand from US women annually
41%
Of women declined despite meeting income thresholds
3×
More likely to receive a higher rate than a male peer
67%
Of female entrepreneurs cite capital as #1 barrier
The problem

The financial system was designed
for someone else

Traditional FICO scoring was built on male financial patterns. It penalises career breaks, part-time income, and flexible work — that's not most women. That's not our people.

41%
of women declined for credit despite meeting income thresholds
3×
more likely to receive a higher rate than a male peer with the same score
67%
of female entrepreneurs cite access to capital as their #1 growth barrier
$10T
in women's assets in the US — growing at 2× the rate of men's wealth
What we stand for

Three pillars. One mission.

PILLAR 01 — SMARTER UNDERWRITING
Your whole story counts.
ZestAI models built for women's financial lives. Career breaks, part-time income, and caregiving are features — not flaws. We evaluate income patterns, trajectory, and life context.
PILLAR 02 — ZERO FRICTION JOURNEY
Move at the speed you need.
LendAPI + Lendiant deliver a mobile-first, end-to-end experience. Apply, get approved, receive funds — in one session. 48-hour decisions. Same-day funding.
PILLAR 03 — COMMUNITY AS MOAT
Financial clarity is power.
Borrowers become members. Members build credit. Credit builds wealth. A flywheel designed for women — with plain-language terms and your rate dropping every 6 months on-time.
What we build

Everything you need
to build wealth

From your first loan to a full financial home — and a community that grows with you at every stage.

💚
Ivy Smart Loan
Personal loans $5K–$15K. ZestAI underwriting built for women's financial lives. Career breaks and 1099 income are strengths. Rate drops every 6 months of on-time payments — automatically. Same-day funding via ACH, transparent fixed rate, 12–60 month terms in 3-month increments.
Same-day funding Rate drops every 6 mo No hidden fees ZestAI underwriting
★ Flagship
Phase 1 — Building your financial home
🏦
Ivy Checking
Fee-free checking with no minimums. Direct deposit, mobile payments, real-time spend alerts — the financial home base for every member.
Phase 1
📊
Ivy Credit Monitor
Free real-time credit score tracking with personalised improvement plans and alerts — included with every membership, always free.
Phase 1
💳
Ivy Credit Builder Card
Secured card reporting to all 3 bureaus. No annual fee, automatic 6-month credit-limit reviews, and a clear path to unsecured credit.
Phase 1
Phase 2 — Growth and innovation
📈
Ivy Savings & Investing
High-yield savings with automated goal tools, round-up saving, milestone tracking, and a loyalty rate that grows with you. Competitive APY.
Phase 2
🌉
Ivy Income Bridge
Cash flow smoothing for 1099 earners between contracts. Underwritten on 12-month income history, not a W-2. For the freelance economy.
Phase 2
💸
Ivy Wage Advance
Earned wage access before payday — zero fee, tied to Ivy Checking. A direct alternative to predatory payday products.
Phase 2
Phase 3+ — Community, education and legacy
🚀
Ivy Business Launchpad
$25–50K loan + bookkeeping + quarterly business health check. Not just capital — a growth partner for founder-stage owners.
Phase 3
🎓
Ivy Education Loans & Refi
Education loans and refinancing built on IvyEdge holistic underwriting — evaluated on career trajectory and earning potential, not just your score at 18.
Phase 3
👨‍👩‍👧
Ivy Family
Credit-building for kids 3+, family savings, and checking — pass on financial empowerment to the next generation.
Phase 4
Built-in community value

The Ivy Circle

Borrowers become members. Members build credit. Credit builds wealth. Every product creates a relationship that compounds — a flywheel designed for women.

Ivy Circle Ivy Scholarship Give forward GIVE P2P Investing Women fund women EARN Partner Discounts Receive RECEIVE Bespoke Content From partners RECEIVE Mentor Match Earn, get paid EARN
✦ Phase 2 · Coming Soon

A community that compounds your financial power

  • 📈
    P2P Investing via Reg CF SPV
    Invest in the IvyEdge education loan portfolio — pooled, diversified, impact-tracked. Mentors earn fees auto-convertible to Circle investment. Women fund women.
  • 🤝
    Ivy Mentor Match
    Every borrower matched with a vetted paid mentor from the investor community. Capital and guidance on one platform — network as a product.
  • 🎓
    Ivy Scholarship Fund
    Members donate to our nonprofit arm — helping send women to university. Give forward the same opportunity that lifted you.
  • 🎁
    Partner discounts and bespoke content
    Exclusive discounts from mission-aligned partners plus financial content curated to your stage and goals.
Your journey

From frustrated to empowered.

01
Discover
Frustrated
"Does anyone get it?"
We speak her language from the first impression
02
Apply
Hopeful
"This feels different"
3-min app, no jargon, ZestAI sees the whole you
03
Decide
Seen
"They actually see me"
Holistic score, real-time decision, plain-language terms
04
Fund
Relieved
"That was fast"
Same-day ACH disbursement
05
Grow
Empowered
"I belong here"
Rate drops, Circle membership, community compounds
Why we win

Built different. Built to last.

FeatureTraditional BankGeneric FintechIvyEdge ✦
Women-first underwriting model✗✗✓
Career break as context, not penalty✗✗✓
1099 / freelance income model✗Partial✓
Rate drops for on-time payments✗✗✓
Same-day funding✗✓✓
Transparent pricing, no buried fees✗Partial✓
Built-in community and mentor network✗✗✓
P2P impact investing (Ivy Circle)✗✗✓
Founded and led by women✗✗✓
Grow through anything.
ivyedge.co · Confidential 2026
APRs range from 8.9%–29.9%. Rate reductions applied every 6 months of consecutive on-time payments. No hidden fees. Full terms at ivyedge.com/terms. Sources: NWBC, Fed Small Business Credit Survey, McKinsey Women & Finance 2024.