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Finance built for who you actually are.

Personal loans from $5K–$15K with AI-powered underwriting built for women's financial lives. Career breaks, 1099 income, and flexible work are strengths here. Your rate drops automatically every 6 months of on-time payments — no phone call needed.

The problem

The financial system was designed
for someone else

Most underwriting was built on male financial patterns. It penalises career breaks, part-time income, and flexible work — that's not most women.

You took three years off to care for your mother. Your credit score dropped — even though you never missed a payment. The system called it a gap.

We call it context. And we factor it in.
You made six figures last year across eight clients. Every bank flagged it as unstable income. You've never been late on anything.

We built our approval model around income like yours.
Your business has been profitable for four years. The bank requires five. So you wait — or you don't grow.

We look at your trajectory, not an arbitrary threshold.
You have a great score, a senior title, and a salary most people would envy. Your bank still offered you 19% APR.

Your ambition has outpaced what they can offer. We built something that keeps up.
How we're different

Built for your financial life.

01 — UNDERWRITING
Your whole story counts.
We evaluate income trajectory, life context, and career history — not just a three-digit number. Career breaks and 1099 income are features of your story, not penalties.
02 — SPEED
Apply in 3 minutes.
Decision in 48 hours. Same-day funding. No branch visits, no callbacks, no waiting for a committee. You're in control of the timeline.
03 — LOYALTY
Your rate drops automatically.
Every 6 months of on-time payments, your APR decreases — automatically. No calls, no applications. We built the reward system into the loan.
What we're building

A full financial home,
built for you

Starting with the Ivy Smart Loan — and growing into everything a woman needs to build wealth from wherever she's starting.

💚
Ivy Smart Loan · Launching 2026
Personal loans $5K–$15K. Built for women's financial lives — career breaks and freelance income are strengths here. Rate drops every 6 months of on-time payments. Same-day funding, no hidden fees, 12–60 month terms.
Same-day funding Rate drops every 6 mo No hidden fees
★ Flagship
Phase 1 — Your financial home
🏦
Ivy Checking
Fee-free checking with no minimums. Direct deposit, mobile payments, real-time spend alerts.
Coming soon
📊
Ivy Credit Monitor
Free real-time credit score tracking with personalised improvement plans — included with every membership.
Coming soon
💳
Ivy Credit Builder Card
Secured card reporting to all 3 bureaus. No annual fee, automatic 6-month credit-limit reviews.
Coming soon
Phase 2 — Community & investing
🌿
Ivy Circle
P2P investing where women fund women. Mentor matching. Scholarship fund. Partner discounts. The community flywheel that makes every member stronger.
Phase 2