Novae

What Novae does

Novae is a U.S. fintech company founded in 2014 and headquartered in Conyers, Georgia, that provides financial services to individual consumers and small business owners across all 50 states plus Puerto Rico, with an explicit focus on underserved communities. The company's product portfolio spans credit building (myNovaeDisputes Manager, an AI and machine learning-powered credit dispute software that won the 2025 DSA Award for Technology Innovation; myNovaeCredit Monitoring), credit card and personal loan matching, auto and student loan refinancing, debt restructuring (claimed reductions up to 90% in some cases through licensed debt restructuring partners), business credit and funding, grants and government loan access, tax preparation and Novae Tax Software for EROs, estate planning (wills and trusts), life insurance, savings account comparison, and no-interest cash advance loans.

The underlying technology is a referral and marketplace platform that connects customers to third-party lenders, debt restructuring firms, credit card issuers, insurance carriers, and government program databases rather than underwriting on its own balance sheet. The proprietary technology layer centers on myNovaeDisputes Manager, which applies AI/ML to credit profile analysis and dispute guidance.

Novae monetizes through multiple streams: affiliate referral commissions on financial products (per-sale and per-lead basis), White Label licensing and Co-Brand partnership fees, fixed-fee educational products through Novae University (seminars, the Champion Speaker Boot Camp CD series at $495, the Millionaire Mindset MP3 bundle at $300), and inspirational media/books authored by company leadership. Distribution is built on a direct-selling and affiliate model (DSA member and Code of Ethics signatory), augmented by White Label, Co-Brand, and Church Programs, with no physical retail locations. The company is founder/family-led under Reco McDaniel McCambry (Founder, President and CEO) and Shaneé McCambry (COO), with 51-100 employees and no disclosed institutional investors.

Name

Novae

Legal name

Novae, LLC

Website

https://novaemoney.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

Novae is a U.S. fintech company that provides credit building, lending, debt help, tax preparation, and business funding products to underserved individual consumers and small business owners across all 50 states via an affiliate distribution network.

Ownership category

akta.pro rank

Product category

Consumer Financial Services Platform (Fintech)

NAICS

Software Publishers (5132)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Personal Credit Institutions (6141)

akta.pro primary industry

Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)

akta.pro secondary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• Credit building services
• Debt relief programs
• Business funding solutions
• Tax preparation services
• Financial education programs

Headquarters

HQ city

Conyers

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Affiliate Commissions: Novae operates an affiliate program where affiliates earn commissions for promoting credit card offers, loan offers, and other financial services. The company and its affiliates are paid on a per sale or per lead basis.
2. White Label Program: Novae offers white label fintech solutions to partners who want to brand the platform as their own, generating licensing and service fees.
3. Co-Brand Program: Co-branding partnerships where Novae's financial products and services are offered under partner brands, generating revenue through partnerships.
4. Financial Products (Loans, Credit, Insurance): Novae earns referral fees and commissions by connecting customers with lenders, credit card issuers, insurance providers, and other financial service providers.
5. Educational Programs and Seminars: Novae University provides financial education and personal development programs including seminars, boot camps, and training events. Revenue from ticket sales, merchandise, and premium programs like the Champion Speaker Boot Camp CD series ($495).
6. Books and Inspirational Media: Sale of inspirational books written by company leadership including 'Fintech Is The Future' by Reco M. McCambry, 'The Fatherless Father', 'Perfectly Imperfect' by Shaneé McCambry, and audio mp3 programs priced at $300 for the Millionaire Mindset bundle.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Novae operates a fintech platform that aggregates and matches consumers and small businesses to financial product providers — including personal and business loans, credit cards, debt restructuring, insurance, savings accounts, tax preparation, and estate planning — while offering its own AI/ML-powered credit dispute management software (myNovaeDisputes Manager) and credit monitoring service (myNovaeCredit). The company monetizes primarily via affiliate commissions from matched referrals and licenses its platform to white-label and co-brand partners, all targeted at underserved communities across the United States.

Product overview

Novae is a fintech company offering a comprehensive platform for financial inclusion, providing greater access to credit, capital, and entrepreneurship for consumers and small businesses nationwide, with particular focus on underserved communities. The product portfolio centers on the myNovaeDisputes Manager (award-winning AI-powered credit dispute software), myNovaeCredit (credit monitoring), and personal/business lending services, complemented by business formation tools (LLC registration, grants access), tax preparation, estate planning, and various partnership programs (Affiliate, White Label, Co-Brand). Novae also offers educational resources through Novae University and inspirational content via books and audio programs. The company operates across all 50 states including Puerto Rico and has been recognized on the Inc. 5000 list for five consecutive years (2021-2025).

Differentiator

Problem solved

Functional benefit

Brands

• myNovaeDisputes Manager: AI and machine learning-powered credit dispute software that helps users manage and improve their credit profiles
• myNovaeCredit Monitoring
• Novae University
• Novae Cares

Products and services

• myNovaeDisputes Manager AI/ML-powered credit dispute software that helps consumers analyze their credit profiles and generate dispute strategies to improve credit standing, particularly targeting underserved communities.
• myNovaeCredit Monitoring Credit monitoring service that helps users track, build, and boost their credit scores.
• Personal Loans Loan matching service that connects consumers to multiple lenders to secure personal loan funds quickly.
• Debt Help Debt restructuring and reduction service offered through exclusive partnerships with licensed debt restructuring firms for consumers and small businesses, capable of reducing debts and payments up to 90% in some cases.
• Business Funding Business funding matching service offered in all 50 states, providing small businesses with access to capital for growth.
• Business Credit Program focused on establishing and building business credit scores to increase business fundability.
• Grants and Government Loans Online grants and government loans platform that helps small businesses find grants, tax incentives, and government loan programs.
• Novae Tax Software Tax preparation and filing software for consumers and Electronic Return Originators (EROs).
• Auto Loan Refinance Auto loan refinancing matching service that helps users pay off existing auto loans and qualify for new loans with lower interest rates.
• Student Loan Refinance Student loan refinancing matching service that matches users with refinancing offers.
• Credit Cards Credit card comparison and offer-matching service without affecting the user's credit score.
• Savings Accounts High-yield savings account comparison service from top financial institutions.
• Life Insurance Life insurance shopping and comparison service for securing future financial protection.
• Tax Preparation Tax preparation services for consumers, including instant same-day tax refund advances up to $7,000.
• Will Estate Plan Online will creation service providing customized legal wills for individuals or couples.
• Trust Estate Plan Online living trust creation service providing customized trusts for individuals or couples.
• No Interest Cash Advance Loans No-interest cash advance loan product providing consumers access to earned wages before payday.
• FREE Business Registration (LLC Formation) Free LLC business registration service providing step-by-step guidance; customers pay only applicable state fees.
• Business Debt Help Business debt reduction service helping reduce business debt payments by up to 90%.
• Consumer Financing Consumer financing options offered through business partners to increase conversions and revenue for those businesses.
• Novae University Financial education and personal improvement platform offering seminars, boot camps, workshops, and conferences covering financial literacy, mindset, and entrepreneurship.
• Inspirational Books and Media Inspirational books and mp3 audio programs written by Novae's CEO and COO covering fintech, business, mindset, and personal development (e.g., 'Fintech Is The Future', 'The Fatherless Father', 'Perfectly Imperfect', Millionaire Mindset bundle).

Quantifiable outcome

• Debt reduction up to 90% in some cases
• +3 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• Direct Selling Association (DSA)coreOthersNovae is a proud member of the Direct Selling Association and a Signatory of the DSA Code of Ethics. This membership provides industry recognition, networking opportunities, and demonstrates commitment to ethical direct selling practices.
• National Small Business Association (NSBA)minorOthersMember of the National Small Business Association, providing access to resources and advocacy for small business interests.
• Atlanta Black ChambersminorOthersMember of the Atlanta Black Chambers, supporting Black-owned businesses in the Atlanta area.
• Georgia ChamberminorOthersMember of the Georgia Chamber of Commerce, providing statewide business networking and advocacy.
• Conyers Rockdale ChamberminorOthersMember of the Conyers Rockdale Chamber of Commerce, supporting local business community where headquarters is located.
• Licensed Debt Restructuring FirmscoreStrategic or Co-development PartnerExclusive partnerships with licensed debt restructuring firms to provide debt reduction services to consumers and small businesses, reducing debts and payments up to 90% in some cases.
• Trusted Business Service PartnersminorStrategic or Co-development PartnerPartnerships with trusted providers for business essential services, offering a suite of products and services to help businesses get moving.
• Credit Card and Loan ProviderscoreChannel Partner/ Reseller/ DistributorPartners with multiple credit card issuers, lenders, and financial service providers to offer a marketplace of financial products to consumers and businesses through affiliate commissions.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Current: Current is a fintech offering banking, debit, credit-building, and cash advance products targeted at underbanked Americans and gig workers. It shares Novae's mission of financial inclusion and competes on credit-building, savings, and paycheck advances via a mobile-first platform.
• Self (formerly Self Financial): Self provides credit-building products and small-dollar credit-builder loans targeted at consumers with thin or no credit history. It directly overlaps with Novae's credit-building and personal-loan offerings for the same underserved consumer segment, although Self holds its own loans rather than routing to partners.
• LendingTree: LendingTree operates an online loan marketplace connecting consumers with multiple lenders across personal, auto, student, and home loans. Its multi-lender comparison and lead-generation model directly mirrors Novae's loan offer-matching products, including personal, auto, and student loan refinance services.
• NerdWallet: NerdWallet is a consumer finance comparison and affiliate platform for credit cards, loans, banking, insurance, and taxes. It overlaps with Novae's credit card comparison, savings account comparison, life insurance, and tax preparation offerings, monetized through the same affiliate-commission model.
• Chime: Chime is a neobank serving underbanked and fee-sensitive consumers with checking, savings, credit-builder, and earned-wage-access products. It overlaps with Novae's savings-account comparison, credit-building, and cash advance offerings, but is deposit-funded rather than affiliate-driven.
• Dave: Dave is a banking app offering cash advances, budgeting tools, and side-hustle income for consumers living paycheck to paycheck. It competes directly with Novae's no-interest cash advance and personal loan products for the same underbanked demographic, with mobile-first UX versus Novae's web-and-affiliate-led funnel.
• Credit Karma: Credit Karma offers free credit monitoring, credit-score education, and a marketplace that connects users to credit card, loan, and insurance offers via affiliate commissions. It is the closest direct competitor to Novae's combined credit-monitoring and financial-product lead-generation model, with substantially greater scale and now owned by Intuit.
• MoneyLion: MoneyLion is a digital financial services platform offering credit-building, cash advances, personal loans, and banking to mass-market and credit-challenged consumers. It targets the same underserved/credit-invisible customer base as Novae and competes head-to-head on credit monitoring, cash advances, and personal loan origination.
• Possible Finance: Possible Finance offers small-dollar, repayable cash advances to underbanked consumers via a mobile app, targeting the same credit-challenged, fee-averse customer base as Novae's No Interest Cash Advance. It represents a more digitally native, balance-sheet-bearing competitor in Novae's core niche.

Broad incumbents

• SoFi: SoFi is a broad consumer financial services platform offering personal loans, student loan refinance, credit cards, banking, and investing. It overlaps with Novae's personal loan, student loan refinance, and credit card marketplace offerings as a much larger, balance-sheet-bearing incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/NovaeLLC

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Novae