Finance built for the full picture of who you are

Grow through anything.

Personal loans from $5K–$15K, rates from 12.4% APR — built for women's financial lives. Career breaks, freelance income, and your whole story count here. Your rate drops automatically every 6 months of on-time payments.

$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

Most underwriting 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 — UNDERWRITING

Your whole story counts.

We built our approval model around women's financial lives — not a template designed for someone else. Career breaks, part-time income, and caregiving are context, not red flags. We look at your income pattern, your trajectory, and where you're going.

PILLAR 02 — SPEED

Move at the speed you need.

Apply in 3 minutes. Decision in 48 hours. Funds the same day. No branch visits, no callbacks, no waiting for a committee. You're in control of your timeline.

PILLAR 03 — CLARITY

Financial clarity is power.

You'll know exactly what you're signing, exactly what you're paying, and exactly why. Your rate drops automatically every 6 months of on-time payments — no phone call required. No surprises, ever.

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. Our approval model was built for women's financial lives — career breaks and 1099 income are strengths, not flags. Your rate drops every 6 months of on-time payments — automatically. Same-day funding, no hidden fees, 12–60 month terms.

Same-day funding Rate drops every 6 mo No hidden fees Built for your story

★ 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

Coming next — more ways to build

🌱

The Ivy Circle

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

✦ Phase 2 · Coming Soon

A community that compounds your financial power

📈

P2P Investing
Invest in the IvyEdge loan portfolio — pooled, diversified, and impact-tracked. Women funding women, directly.
🤝

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.

Discover

Frustrated

"Does anyone get it?"

We speak her language from the first impression

Apply

Hopeful

"This feels different"

3-min app, no jargon — we look at your whole picture

Decide

Seen

"They actually see me"

Holistic score, real-time decision, plain-language terms

Fund

Relieved

"That was fast"

Same-day ACH disbursement

Grow

Empowered

"I belong here"

Rate drops, Circle membership, community compounds

How we're different

Built different. Built to last.

Feature	Traditional Bank	Generic Fintech	IvyEdge ✦
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)	✗	✗	✓
You're a member, not just a borrower	✗	✗	✓

Welcome back, Sarah ✦

Member since March 2026 · Ivy Smart Loan active

✦ Your daily affirmation

Active loan — Ivy Smart Loan

$12,000 6 payments made — rate drop coming

$1,800 paid$10,200 remaining

Current APR12.4% → 11.9% at month 6 ✦

Monthly payment$300/mo

Term48 months

Next paymentApril 15, 2026

🎉 Rate drop incoming. You've made 6 consecutive on-time payments. Your APR drops from 12.4% to 11.9% on April 15 — automatically.

Rate reduction tracker

Your loyalty reward — on-time payments lower your rate every 6 months 12.4% APR

Months 1–6 ✓ Achieved 12.4% → 11.9%

Months 7–1211.9% → 11.4%

Months 13–1811.4% → 10.9%

Months 19–2410.9% → 10.4%

Months 25–3010.4% → 9.9%

Floor rate after 30 months 9.9%

🌿 Ivy Circle

Phase 2 — Coming Soon

Early access · Your membership perks

📈

P2P Investing

Invest in the loan portfolio — women funding women directly

🤝

Ivy Mentor Match

Matched with a vetted paid mentor from our investor community

🎓

Ivy Scholarship — Give Forward

Help send the next woman to university

🎁

Partner discounts + bespoke content

Curated to your stage and goals

Member community

Jamie M.

My rate dropped to 10.4% after 18 months of on-time payments. No call needed, it just happened.

Aisha L.

Credit jumped 40 points in 6 months with the Credit Builder Card. This actually works.

Tara R.

My 2-year career break wasn't a red flag here. It was part of my story. Finally.

Credit score

682

Good

+14 pts since joining IvyEdge

💡 Open Ivy Checking to unlock your next credit tier. One step, measurable impact.

Quick actions

Coming to your account

🌉

Ivy Income Bridge

Cash flow smoothing for 1099 earners — Phase 2

Soon

📈

Ivy Savings and Investing

High-yield savings and goals — Phase 2

Soon

🚀

Ivy Business Launchpad

$25–50K loan and bookkeeping and coaching — Phase 3

Phase 3

Looks like you found one of our bottles.

That bottle was made for women who keep going — through the pivots, the career gaps, the seasons of building something real. So was IvyEdge.

We're a lending platform built on your full picture — not just a three-digit score. Your income story, your career break, your trajectory. We see you.

💚

Smart loans with a straightforward rate

$5K–$15K. Your rate drops every 6 months of on-time payments — automatically. No surprises.

📊

Ivy Credit Monitor — free, always

See your score, what's driving it, and exactly what to do next. Clear information, no upsell.

🤝

Underwriting built for how you actually earn

Career breaks, freelance income, time away to care for someone — that's part of your story. We factor it in.

No hidden fees. No obligation. APRs from 8.9%–29.9%.
Approval is based on your full financial picture.

Looks like you found one of our bottles.

Grow through anything.

The financial system was designedfor someone else

Three pillars. One mission.

Everything you needto build wealth

The Ivy Circle

A community that compounds your financial power

From frustrated to empowered.

Built different. Built to last.

Looks like you found one of our bottles.

The financial system was designed
for someone else

Everything you need
to build wealth