Defynance Fund

  • Invest in the Earning Power of Educated Americans

     Fuel income growth, reduce risk, and drive change—all by removing student debt

    Learn How It Works
    View Performance

​​How the Defynance Fund Works?

Investors deploy capital that is used to refinance student loans

Student debt is refinanced (paid-off) for carefully vetted borrowers

Customers repay a fixed percentage of income during the payment term

Investors earn passive income from the diversified pool of income streams

Ready to Make Your Portfolio More Purposeful?

Discover how income-based returns and impact investing can work together to deliver powerful results

Book a 1-on-1 Meeting

​​Defynance Fund Performance at a Glance

15.01%

NET RETURN

0.49%

VOLATILITY

2.22%

SHARPE RATIO

12.34%

ALPHA

Exceptional Performance, Minimal Volatility

Built to deliver income-based growth across all market cycles

Want to See the Full Picture?

Unlock deeper insights into fund performance, portfolio composition, and

 investor tools—exclusive to our Member Portal

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How We Protect Your Investment?

Payments adjust with income and pause below a threshold, protecting again default and hardship risk.
Capped repayment limits adverse selection risk; early payoff boosts capital recovery and improves portfolio performance.
A proprietary algorithm uses 125+ data points, including career, education, and ML-driven risk forecasting.
Underwriting guided by a team with deep expertise in credit, finance, and risk.
Customers qualify on career and academic merit-no cosigners or credit scores-improving portfolio quality.
Combines job market data with real coaching to increase income and minimize unemployment.

Hear From Our Community

"From day 1, the Defynance team was compassionate, helpful, and worked very hard to make sure the financing process went smoothly for me. I never would have the life that I do now otherwise." 
​
​RB, Refinancing Customer

"Defynance's mission to educate borrowers and offer an interest-free escape speaks to me deeply, promising a solution in a world riddled with student debt complexities." 
​
​MS, Defynance Fund Investor

Why the Defynance Fund is Built for Impact and Performance

No interest or compounding debt; just income-aligned repayment

Traditional loans grow with interest. Our model replace debt with sustainable, income-based repayment.

Reduced default risk through more than data-driven underwriting

Income-based repayment, career support, and our proprietary PRAIS™ algorithm reduce risk

Investor returns grow as pooled incomes in the Fund rise

You earn more only when customers earn more—incentives fully mutually aligned with performance

Diversified portfolio of real income streams reduces concentration risk

Returns are sourced from a pool of diverse occupations, industries, geographies, and more

Transform lives by refinancing student debt into financial freedom

Your capital drives both impact and performance, creating value for all stakeholders 

Invest with Confidence, Grow with Purpose

 Diversify your portfolio with an uncorrelated, low-volatility, purpose-built income fund

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DISCLAIMER

From time to time, Defynance will make opportunities for investments in ISAs available to investors who are qualified as “Accredited Investors” (as defined below) and who have expressed an interest in learning about such investment opportunities. Any prospective investors will only have opportunities for investments made available to them by the ISA Refi Fund only after verification of their status and an expression of specific interest.

When investment opportunities are being offered, a Confidential Private Placement Memorandum (a “PPM”) will be furnished to approved investors on a confidential basis. Sales of the securities may not be consummated unless prospective investors are provided with a PPM. In particular, you should carefully read the “Risk Factors” set forth in the PPM.

The information contained in the PPM may not be provided to persons who are not directly concerned with an investor’s decision regarding the investment offered hereby. Investors should make their own investigations and evaluations of any securities offered. The securities, when offered, will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any other securities laws. They will be offered for investment pursuant to the exemption from registration provided under Section 4(a)(2) of the Securities Act and exemptions from the registration requirements of applicable state securities laws only to persons who are “Accredited Investors,” as defined in Regulation D under the Securities Act. There will be no public market for the offered securities.

This website, and the information being provided to prospective investors at this time, is not an offer to sell or a solicitation of an offer to buy any securities that may be offered in the future by Defynance, nor shall any such securities be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.

ANY SECURITIES OFFERED BY DEFYNANCE WILL NOT HAVE BEEN RECOMMENDED BY THE U.S. SECURITIES AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION OR REGULATORY AUTHORITY.

ANY SECURITIES OFFERED BY DEFYNANCE WILL BE SUBJECT TO RESTRICTIONS ON TRANSFERABILITY AND RESALE, AND MAY NOT BE TRANSFERRED OR RESOLD EXCEPT AS PERMITTED UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR AN EXEMPTION THEREFROM. INVESTORS SHOULD BE AWARE THAT THEY MAY BE REQUIRED TO BEAR THE FINANCIAL RISKS OF THEIR INVESTMENT IN THE SECURITIES FOR AN INDEFINITE TIME.

CERTAIN INFORMATION CONTAINED IN THIS WEBSITE AND IN THE PPM TO BE DELIVERED IN THE FUTURE CONSTITUTES AND WILL CONSTITUTE “FORWARD-LOOKING STATEMENTS,” WHICH CAN BE IDENTIFIED BY THE USE OF FORWARD-LOOKING TERMINOLOGY SUCH AS “MAY,” “WILL,” “SHOULD,” “EXPECT,” “ANTICIPATE,” “ESTIMATE,” “INTEND,” “CONTINUE” OR “BELIEVE” TO THE NEGATIVES THEREOF OR OTHER VARIATIONS THEREON OR COMPARABLE TERMINOLOGY. DUE TO VARIOUS RISKS AND UNCERTAINTIES, ACTUAL EVENTS OR RESULTS FROM THE ACTUAL PERFORMANCE OF THE SECURITIES MAY DIFFER MATERIALLY FROM THOSE REFLECTED OR CONTEMPLATED IN SUCH FORWARD-LOOKING STATEMENTS.

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