What is the name of your organization?
Clusivi
What is the name of your solution?
Clusivi: Credit Redefined
Provide a one-line summary or tagline for your solution.
Clusivi is a BaaS platform offering credit access based on prepayments, not FICO scores.
In what city, town, or region is your solution team headquartered?
Denver, CO, USA
In what country is your solution team headquartered?
USA
What type of organization is your solution team?
For-profit, including B-Corp or similar models
Film your elevator pitch.
What specific problem are you solving?
Clusivi is addressing the financial exclusion caused by traditional credit systems that rely heavily on FICO scores, which disproportionately impact underserved communities globally. Over 30% of U.S. adults have no credit score or have scores too low to access affordable credit. This issue affects low-income individuals, minorities, and young people who are excluded from financial opportunities despite demonstrating financial discipline.
In many parts of the world, including developing economies, access to credit remains a significant barrier to achieving economic mobility and accessing specialized education, certifications, trade schools, and other career-building opportunities. Globally, approximately 1.7 billion people are unbanked, often because they lack the credit history required by traditional lending institutions.
Clusivi's solution democratizes credit by using prepayment behavior (real-time) as a measure of creditworthiness rather than relying on FICO scores (historical data). This approach helps individuals build credit access based on their present financial actions, enabling them to access high-value services like education and vocational training without incurring debt. This has the potential to impact millions of people by providing an alternative to traditional credit systems that leave them behind.
What is your solution?
https://vimeo.com/923898852
Who does your solution serve, and in what ways will the solution impact their lives?
Clusivi serves underserved individuals who lack access to traditional credit, particularly those without FICO scores or with low credit scores. This includes low-income communities, minorities, young adults, and individuals in developing economies, many of whom are excluded from financial opportunities despite demonstrating financial discipline. These populations are often unable to access essential services such as specialized education, certifications, trade schools, or vocational training due to the lack of credit history required by traditional lending institutions.
Clusivi addresses this need by offering a credit solution based on present behavior—specifically prepayment consistency—rather than relying on past credit scores. By using prepayments as a measure of creditworthiness, Clusivi empowers individuals to build credit access through responsible financial actions, enabling them to access life-enhancing services without incurring high-interest debt. This solution opens doors to educational and career opportunities that were previously out of reach, helping individuals unlock economic mobility and long-term success. Clusivi's approach is designed to create financial opportunities that build financial dignity and self-reliance, positively impacting their lives both immediately and in the long term.