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Defynance company logo


Founded Year



Incubator/Accelerator | Alive

Total Raised


About Defynance

Defynancere helps refinance student loans with debt-free income share agreements. The company was founded in 2018 and is based in Atlanta, Georgia.

Headquarters Location

Atlanta, Georgia,

United States


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Defynance's Products & Differentiators

    ISA Student Loan Refinancing

    Utilizing the Defynance ISA, we pay off the student loan of our ISA customers in exchange for their agreement to share income with us for a set term that can range between 5 to 15 years. This immediately improves our customers credit and aligns their goals with ours. Risk and reward is also balanced as part of the ISA structure. Our ISA Customers receive downside protection if their income decreases because the payment reduces proportionately and even pauses if income falls below a minimum amount. In this situation, as opposed to lenders, we proactively assist our customers recover from financial duress. On the other hand, we also share in the reward when their income increases but also provide upside protection in the form of a payment cap, prepayment, buyout, and even a cash return at the end.

Expert Collections containing Defynance

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Defynance is included in 1 Expert Collection, including Fintech.



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Defynance Web Traffic

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Defynance Frequently Asked Questions (FAQ)

  • When was Defynance founded?

    Defynance was founded in 2018.

  • Where is Defynance's headquarters?

    Defynance's headquarters is located at Atlanta.

  • What is Defynance's latest funding round?

    Defynance's latest funding round is Incubator/Accelerator.

  • How much did Defynance raise?

    Defynance raised a total of $120K.

  • Who are the investors of Defynance?

    Investors of Defynance include The TELUS Community Safety and Wellness Accelerator and Techstars.

  • Who are Defynance's competitors?

    Competitors of Defynance include Edly and 4 more.

  • What products does Defynance offer?

    Defynance's products include ISA Student Loan Refinancing and 2 more.

Compare Defynance to Competitors

Curevl Logo

Curevl, fka GreenNote, helps students obtain loans for education via social networking rather than through traditional lending methods. Using its online platform, students connect with their social network to ask for small student loans. It helps formalize everything into legally binding loans and handles all the details from loan documentation through repayment.


Upside refinances student loans by lowering rates, lowering payments, or both.

Kissht Logo

Kissht is a financial technology platform that enables instant, seamless credit for consumers to make purchases at digital points of sale (online and offline). Its plug and play gateway APIs can be easily integrated into any merchant checkout page or retail POS for providing access to quick loan. Kissht was founded in 2015 and is based in Mumbai, India.

Upgrade Logo

Upgrade is an online lending platform that combines personal loans with free credit monitoring, helping users secure more affordable credit in the long run.

Fair Logo

Fair is an auto lending startup that provides users with a personalized monthly payment range based on their finances, then shows all cars within the user's budget. A user can drive the car for as long as they want, and can trade up, try a new vehicle, or walk away at any time.

Brighte Logo

Brighte is a point of sale credit and payments provider that seeks to help businesses provide customers with a fast and affordable way to pay. Brighte's end-to-end automated digital platform provides real-time credit assessment of a customer application.

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