What Finitive does

Finitive is a New York-based fintech company founded in August 2017 that operates a data-driven private credit marketplace connecting non-bank borrowers (specialty finance companies, online lenders, marketplace lenders, private credit funds, BNPL platforms, and asset managers) with institutional investors (banks, insurance companies, fund managers, and alternative asset managers). The platform uses proprietary algorithms incorporating self-reported borrower data and third-party data integrations to score, price, and match deals; NLP is applied to process due diligence documents and automate workflow. As of late 2022 the platform had facilitated over $3.5 billion in capital commitments, connected more than 1,500-1,600 institutional investors representing over $6 trillion in accessible AUM, and reduced closing times from approximately two months to as little as two weeks by eliminating intermediary layers.

The company's product portfolio comprises three layers: (1) the core Finitive Platform for direct marketplace transactions, (2) a Whitelabel/Credit-as-a-Service offering allowing partners such as IPwe and Prime Meridian to deploy branded private credit products on Finitive's infrastructure, and (3) specialized verticals including a dedicated Intellectual Property Finance Group for IP litigation funding, IP-based lending, and royalty finance. The technology stack includes a self-serve app, automated matching, and shadow ratings for transparency. Geographic operations cover the United States, Canada, and the UK, with European expansion led by a UK-based Managing Director since May 2021.

Finitive's revenue model charges transaction facilitation fees to the borrower/originator side while institutional investors access the platform at zero cost. Secondary revenue comes from white-label technology licensing. The company has raised approximately $8 million in disclosed funding across a $6 million Series Seed led by Atomic Labs (April 2019), $2 million venture debt from Silicon Valley Bank (October 2019), and an undisclosed strategic capital investment from Sterling Bancorp (May 2021). Headcount is in the 11-50 range, and securities are offered through Finalis Securities LLC.

Name

Finitive

Legal name

Finitive LLC

Website

https://finitive.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Finitive is a fintech private credit marketplace founded in 2017 that connects non-bank borrowers (specialty finance, online lending, BNPL, asset managers) with institutional investors using AI-driven deal scoring and matching, having facilitated over $3.5 billion in capital commitments across 1,500-plus investors.

Ownership category

akta.pro rank

Product category

Private Credit Marketplace

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310), Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Collateral-Based Lines of Credit (Secured Revolving) (FSAKALAH)

Keywords

• Private credit marketplace
• Alternative lending platform
• Institutional investor matching
• Deal scoring algorithms
• Borrower capital matching

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction Facilitation Fees: Finitive facilitates private credit transactions between borrowers and institutional investors, earning fees for matching and facilitating deals. While investors do not pay fees to access or transact via Finitive, originators/borrowers pay for the service of connecting with investors and streamlining the transaction process
2. Whitelabel/Credit-as-a-Service: Finitive offers white label solutions powered by Finitive technology for partners, generating revenue from licensing their technology platform to enable other organizations to offer private credit products under their own brand

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Finitive operates a data-driven private credit marketplace that connects institutional investors with borrowers seeking private credit across specialty finance, online lending, marketplace lending, and private credit funds. The platform uses proprietary AI/ML algorithms to score, price, and match borrowers with capital providers, facilitating over $3.5 billion in capital commitments across multiple sectors. The company also offers a Whitelabel/Credit-as-a-Service solution that enables partners to launch their own branded private credit products powered by Finitive's technology and investor network of 1,500+ institutional investors.

Product overview

Finitive operates as an intelligent credit marketplace offering a platform-plus-services architecture. The core Finitive Platform connects institutional investors with private credit borrowers across specialty finance, online lending, marketplace lending, and private credit funds using proprietary scoring, pricing, and matching algorithms. The platform is complemented by the Finitive Whitelabel solution, which provides a Credit-as-a-Service offering allowing partners to build customized, branded private credit products with full access to Finitive's technology infrastructure, deal-matching capabilities, and investor network of over 1,600 institutional investors.

Differentiator

Problem solved

Functional benefit

Brands

• Finitive Whitelabel: A white label solution for partners powered by Finitive technology, providing customizable private credit solutions for lenders and borrowers.

Products and services

• Finitive Platform A data-driven private credit marketplace that connects institutional investors with borrowers seeking private credit across multiple asset classes including specialty finance, online lending, marketplace lending, and private credit funds. Uses proprietary algorithms for scoring, pricing, and matching borrowers with capital providers, with zero fees for institutional investors.
• Finitive Whitelabel / Credit-as-a-Service A white label solution powered by Finitive technology that enables partners to build their own data-driven private credit products with customizable branding, origination technology for lenders, and distribution technology for borrowers. Provides Credit-as-a-Service capabilities to streamline and expand access to private credit products.

Quantifiable outcome

• Over $3.5 billion in capital commitments facilitated for clients across multiple sectors
• +3 more outcomes

Named customers11 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• VerventcoreStrategic or Co-development Partner · 2 June 2020Strategic partnership expanding collaboration between Finitive's network and proficiency in private credit transactions with Vervent's advanced portfolio servicing capabilities. The partnership focuses on education and collaboration within key markets historically underserved, including solar, Canada, secondary portfolio sales and Latin America. Vervent CEO David Johnson serves as Finitive Advisory Board Member.
• IPwecoreTechnology or IntegrationIPwe partnered with Finitive's white label platform to enable patent-based lending. IPwe's Patent Valuation Engine technology combined with Finitive's platform facilitates growth of the patent financing market, enabling innovators to access capital using their IP assets as collateral.
• Prime Meridian Capital ManagementminorStrategic or Co-development PartnerPrime Meridian Capital Management partnered with Finitive's white label platform to provide financing solutions, with Finitive's innovative approach echoing IPwe's vision on how technology can facilitate market growth.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• PeerStreet: PeerStreet operates a marketplace for private real estate debt, connecting institutional investors with real estate loan originators. It is comparable to Finitive in marketplace model and in facilitating non-bank lender financing, though with a narrower asset class focus.
• Moonfare: Moonfare is a digital private markets platform providing qualified investors access to private equity, private credit and venture funds. While broader in scope, it shares Finitive's technology-enabled marketplace approach and institutional/wealth investor target.
• Versana: Versana is a private credit data and syndicated loan marketplace platform serving institutional investors and lenders. Its focus on syndicated/private loan data and matching overlaps directly with Finitive's institutional investor and originator value proposition.
• Percent (formerly Pariti): Percent is a private credit marketplace that connects originators of private debt with institutional buyers. It is one of Finitive's closest head-to-head competitors, with a nearly identical two-sided marketplace structure and overlapping institutional investor buyer base.
• Yieldstreet: Yieldstreet is an alternative investment platform offering individual and institutional investors access to private credit, real estate and other private market assets. It directly competes with Finitive's investor-facing proposition and operates a similar technology-enabled origination model.
• CAIS: CAIS is an alternative investment platform providing financial advisors and institutions with access to private credit, private equity and hedge funds. It shares Finitive's core thesis of democratizing and streamlining institutional-quality alternative investments through technology.
• iCapital Network: iCapital Network operates a leading technology platform that connects institutional and advisor clients to alternative investments including private credit. It is the most direct structural analog to Finitive, with overlapping buyers (institutional investors and wealth managers) and a similar marketplace-plus-services model that has scaled to ~$70B in assets.

Emerging players

• Clearco: Clearco provides revenue-based financing to e-commerce and SaaS companies. While narrower in borrower type, it overlaps with Finitive's alternative lending facilitation model and serves the broader non-bank lending ecosystem in which Finitive operates.
• Liquidity Group: Liquidity Group provides revenue-based financing and venture debt to tech companies. While more borrower-focused than Finitive, it sits in the broader alternative/private credit ecosystem and shares Finitive's interest in technology-enabled credit decisioning.

Broad incumbents

• LendingClub: LendingClub is a large-scale consumer P2P/originate-to-distribute platform that pioneered online lending marketplaces. It is comparable as a marketplace connecting borrowers to capital providers but operates at much greater scale and on the consumer credit side versus Finitive's institutional private credit focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finitive
• Xx.com/finitivenyc

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finitive