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 Founded by Cedric Lipsey, Clusivi exists to replace the outdated and exclusionary FICO credit scoring system with a smarter, more inclusive alternative.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.
Company Details
- Employees
- 6
- Founded
- -
- Address
- 4800 Dahlia St, Denver,colorado 80216,united States
- Industry
- Consumer Services
- NAICS
-
Other Services (except Public Administration)Religious, Grantmaking, Civic, Professional, and Similar OrganizationsSocial Advocacy OrganizationsHuman Rights OrganizationsEnvironment, Conservation and Wildlife OrganizationsOther Social Advocacy Organizations
- Website
- clusivi.com
- Keywords
- Denver.
- HQ
- Denver, Colorado
Clusivi Questions
Clusivi's website is clusivi.com
Clusivi's LinkedIn profile is https://www.linkedin.com/company/clusivi
Clusivi has
6 employees.
View email and phone details for 6
employees at Clusivi.
Clusivi's industry is
Consumer Services
Clusivi's top competitors are
U.be.u,
Root Purpose Group,
Musimack Marketing,
Rhythmic Mind (501c3),
Guideplan,
Susu Lend,
Bridge Entrepreneurs Network Colorado,
License Plate Media Llc,
Unfiltered Conversations,
Mom Juice + Kt Winery.
Clusivi's categories are Consumer Services
Clusivi's founding year is 2022
