Clusivi Email Format

Consumer ServicesColorado, United States2-10 Employees

Clusivi is a Denver-based FinTech startup focused on redefining creditworthiness. The company offers Plan-to-Pay, a program that enables individuals to prepay for high-value purchases in structured installments with no interest or debt, while building access to affordable credit based on real-time financial behavior rather than traditional credit scores. Its approach targets consumers who have been underserved by conventional scoring methods and aims to expand lending opportunities for banks and credit unions by providing a standardized, low-risk framework aligned with Community Reinvestment Act goals. The business positions itself within the consumer services sector, emphasizing fairness, transparency, and inclusion in financial access. Located in Denver, Clusivi was founded to replace the longstanding FICO scoring model with a more inclusive system that reflects ongoing financial habits and responsibility.

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