Defynance Fund

Farrukh

Blog by Farrukh

Student Loan Defaults Rising in 2025: Why Even Prime Borrowers Are Failing and How Investors Can Benefit

Student Loan Defaults Rising in 2025: Why Even Prime Borrowers Are Failing and How Investors Can Benefit

Student loan defaults are rising—even among prime borrowers with good credit. Discover why outdated credit models are failing, and how the Defynance Fund uses forward-looking underwriting and Income Share Agreements (ISAs) to deliver risk-adjusted returns while driving impact.
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Farrukh
25.08.25 06:42 PM - Comment(s)
The Next Big Asset Class Isn’t Interest-Based; It’s Income-Based

The Next Big Asset Class Isn’t Interest-Based; It’s Income-Based

Defynance is transforming the student debt crisis into a new investment opportunity. Their model helps borrowers pay off debt with flexible, income-based payments, while offering investors competitive returns and a positive social impact.
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Farrukh
11.08.25 08:53 PM - Comment(s)
Beyond Buzzwords: Inclusive Finance That Really Matters

Beyond Buzzwords: Inclusive Finance That Really Matters

"Inclusion" in finance often fails. Defynance redefines it, tackling student debt with solutions based on income, potential, and dignity, not credit scores. We ensure financial freedom is truly accessible, baking inclusion into our core.
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Farrukh
29.07.25 03:28 PM - Comment(s)
From Debt to Dignity: A Smarter Way to Invest in Education 

From Debt to Dignity: A Smarter Way to Invest in Education 

Young people are drowning in student debt. We saw the crisis and built Defynance, a fintech innovation on a mission to free them from this broken system. We believe finance should work for people, not against them.
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Farrukh
22.07.25 05:41 PM - Comment(s)
How the Defynance Fund Delivers ~15%+ Returns Without Charging Interest

How the Defynance Fund Delivers ~15%+ Returns Without Charging Interest

Discover how Defynance income-sharing turns student debt into ~15%+ impact returns—zero interest, low volatility, quarterly cash flow.
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Farrukh
21.05.25 09:03 PM - Comment(s)
Defynance Income Sharing: Impact Returns Without Debt 

Defynance Income Sharing: Impact Returns Without Debt 

Discover how Defynance income sharing turns student-debt burdens into 15 %+ impact returns for investors—no interest, no growing balances.
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Farrukh
12.05.25 07:37 PM - Comment(s)
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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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