Financial Access and InCLUSIVIty for All

Founded by Cedric Lipsey, Clusivi is a FinTech startup that's disrupting FICO.

As the credit scoring standard for nearly 70 years, FICO has excluded underserved and underresourced communities from accessing credit and opportunities to build better lives for themselves.

This is why, for millions, FICO is THAT four-letter "F" word.

Clusivi replaces FICO's arbitrary, complicated, and discriminatory algorithm with one that is transparent, straightforward, and unbiased.

This enables financial institutions to simplify and standardize their underwriting process to lend more with less risk.

For unbanked/underbanked individuals, Clusivi is their bridge to becoming full participants in the mainstream economy and achieving their hopes and dreams.

We believe that in creating financial access and inCLUSIVIty for all, everyone wins.