Insights

Inclusive Credit Solution Clusivi offers a unique, inclusive alternative to traditional credit scoring by leveraging real-time financial behavior for creditworthiness, appealing to financial institutions aiming to serve underserved markets and expand their consumer base.

Financial Empowerment The company's Plan-to-Pay platform enables individuals to demonstrate financial responsibility through structured, interest-free installments, presenting opportunities to partner with organizations focused on financial literacy and consumer empowerment.

Community and CRA Alignment Clusivi provides banks and credit unions a standardized, low-risk method to meet Community Reinvestment Act goals, creating opportunities for partnerships that enhance their community engagement and social responsibility efforts.

Technology-Driven Scalability Utilizing cloud-based technologies like AWS and modern web tools, Clusivi demonstrates a scalable technological infrastructure ripe for collaboration with fintech vendors seeking innovative credit solutions.

Growth Potential With a revenue range of up to 10 million and recent development in fintech disrupting traditional credit models, Clusivi presents a compelling opportunity for investors and strategic partners looking to foster inclusive financial innovation.

Clusivi Tech Stack

Clusivi uses 8 technology products and services including Amazon Web Services, Floating UI, jQuery Migrate, and more. Explore Clusivi's tech stack below.

  • Amazon Web Services
    Cloud Hosting
  • Floating UI
    Javascript Libraries
  • jQuery Migrate
    Javascript Libraries
  • Modernizr
    Javascript Libraries
  • Priority Hints
    Performance
  • PHP
    Programming Languages
  • GoDaddy
    Web Hosting
  • Blocksy
    Web Platform Extensions

Media & News

Clusivi's Email Address Formats

Clusivi uses at least 1 format(s):
Clusivi Email FormatsExamplePercentage
First@clusivi.comJohn@clusivi.com
50%
First@clusivi.comJohn@clusivi.com
50%

Frequently Asked Questions

Where is Clusivi's headquarters located?

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Clusivi's main headquarters is located at 4800 Dahlia Street Denver, Colorado 80216 United States. The company has employees across 1 continents, including North America.

What is Clusivi's official website and social media links?

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Clusivi's official website is clusivi.com and has social profiles on LinkedIn.

What is Clusivi's NAICS code?

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Clusivi's NAICS code is 81 - Other Services (except Public Administration).

How many employees does Clusivi have currently?

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As of March 2026, Clusivi has approximately 7 employees across 1 continents, including North America. Key team members include Chief Product And Technology Officer: G. W.Chief Brand Officer: T. O.Founder & Ceo: C. L.. Explore Clusivi's employee directory with LeadIQ.

What industry does Clusivi belong to?

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Clusivi operates in the Consumer Services industry.

What technology does Clusivi use?

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Clusivi's tech stack includes Amazon Web ServicesFloating UIjQuery MigrateModernizrPriority HintsPHPGoDaddyBlocksy.

What is Clusivi's email format?

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Clusivi's email format typically follows the pattern of First@clusivi.com. Find more Clusivi email formats with LeadIQ.

When was Clusivi founded?

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Clusivi was founded in 2022.

Clusivi

Consumer ServicesColorado, United States2-10 Employees

Clusivi is a FinTech startup redefining what it means to be creditworthy. Founded by Cedric Lipsey, Clusivi exists to replace the outdated and exclusionary FICO credit scoring system with a smarter, more inclusive alternative.

For nearly 70 years, FICO has locked millions out of opportunity—especially those from underserved and underresourced communities. At Clusivi, we believe it's time for a change.

Our platform, Plan-to-Pay, empowers individuals to prepay for high-value purchases in structured installments—no interest, no debt. As users demonstrate consistency, delayed gratification, and purpose-driven planning, they unlock access to affordable credit based solely on real-time financial behavior—not past mistakes or traditional scores.

For banks and credit unions, Clusivi offers a standardized, low-risk way to expand lending, grow deposits, and meet Community Reinvestment Act (CRA) goals.

For individuals, Clusivi is a bridge to dignity, ownership, and full participation in the economy.

We’re not just disrupting FICO. We’re building a new system rooted in fairness, transparency, and inclusion.

Clusivi: Redefining Creditworthiness for All.

Section iconCompany Overview

Headquarters
4800 Dahlia Street Denver, Colorado 80216 United States
NAICS Code
81 - Other Services (except Public Administration)
Founded
2022
Employees
2-10

Section iconMedia & News

Section iconFunding & Financials

  • $1M$10M

    Clusivi's revenue is estimated to be in the range of $1M$10M

Section iconFunding & Financials

  • $1M$10M

    Clusivi's revenue is estimated to be in the range of $1M$10M

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