The financial platform built by women, for women.

Grow through anything.

Personal loans from $5K–$15K with AI-powered underwriting built for women's financial lives. Career breaks, part-time income, and flexible work are strengths here. Your rate decreases automatically every 6 months of on-time payments. Because you earned it.

$1.9T

Projected assets owned by women in the U.S. by 2030

$700B

Underserved lending market for women in the U.S.

30%

More likely for sole female applicants to be denied a mortgage than sole males

82¢

Women earn per dollar men earn — compounding into lower limits and higher rates

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.

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.

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.

✦ 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.

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

🌱

From overlooked to empowered.

You find us

Sceptical

"I've heard this before."

We don't ask you to trust us. We show you exactly how it works — upfront, no fine print buried at the bottom.

You apply

Surprised

"They actually asked about my gap."

3 minutes. We ask about your income, your career, your context — not just your score. Career break? 1099 income? Good. Tell us more.

You decide

Clear

"I know exactly what I'm signing."

Your rate, your term, your monthly payment — laid out plainly. No surprises on day one. No surprises ever.

You're funded

Relieved

"That was actually fast."

Same-day funding. The capital you needed, when you needed it — without a two-week wait or a branch visit.

You build

Empowered

"My rate just dropped automatically."

Every on-time payment lowers your rate automatically. Your credit grows. This is just the beginning.

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

Grow through anything.

The financial system was designedfor someone else

Three pillars. One mission.

The Ivy Circle

A community that compounds your financial power

Everything you needto build wealth

From overlooked to empowered.

Built different. Built to last.

The financial system was designed
for someone else

Everything you need
to build wealth