Defynance Fund

Beyond Buzzwords: Inclusive Finance That Really Matters

Farrukh
29.07.25 03:28 PM Comment(s)
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Inclusion has become a staple of modern branding, often reduced to diverse photos and taglines. But inclusion without structural change is cosmetic. It doesn't erase exclusionary practices or expand access to systems designed without everyone in mind. When it comes to the student debt crisis, a truly inclusive approach requires more than representation; it requires re-imagining how financial solutions are built, who they serve, and what values they uphold.

Defynance was founded on the belief that financial freedom should not depend on credit scores, interest rates, or co-signers. Instead, we center our model around income, potential, and dignity, making our solution accessible to a broader community often left behind by traditional lending. Tackling the student debt crisis at scale means building a solution with inclusion baked into its DNA.

A Business Model Built on Equity and Empathy

The Defynance income share agreement (Defynance ISA) replaces interest-bearing loans with financing that aligns our success with our customers' success. We do this through:

  • No credit score requirements that open access to those not properly credited (pun intended) by tri-party credit scoring

  • No co-signer requirements that open up opportunities to those who don't have access to qualified co-signers

  • Income-based payments that pause automatically during unemployment or financial hardship

  • Built-in career support that optimizes career growth and income potential


This design makes the Defynance ISA inclusive not by marketing, but by structure. For the 26 million Americans labeled "credit invisible," this model isn’t a luxury, it’s a doorway to participation in the financial system.

Inclusive At All Levels

Faith-aligned finance is part of our foundation, but it is not our destination. Our income share model aligns with principles that are vital for many Muslim and Jewish customers. Yet these same principles of - no interest, no compounding debt, aligned outcomes - appeal to secular values of fairness, economic justice, and shared prosperity as well.

The absence of interest isn’t a faith-based feature; it’s an inclusive financial value that resonates with individuals across belief systems who want to escape debt without being penalized by it. Whether you’re motivated by ethics, faith, or simply practicality, Defynance is built for you.

Participation Is the Mission

Inclusivity at Defynance is not a brand story, it’s the core of our impact thesis. Student debt affects people of all backgrounds, but its weight is heavier for marginalized groups. Education Data Initiative reports that Black college graduates owe an average of $25,000 more than their white peers just four years after graduation. Women hold nearly two-thirds of all student loan debt in the U.S according to the American Association of University Women.

We cannot solve a crisis created by exclusion with more exclusion. That’s why our underwriting emphasizes career trajectory, not credit history. Why our investors only earn when our customers prosper. And why our community includes educators, entrepreneurs, immigrants, single parents, and professionals from every walk of life.

From Investors to Advocates

Defynance is more than a product. It’s a movement. Investors who join the Defynance Fund aren’t just seeking returns, they’re investing in human earning potential. Our Fund performance (~15% net returns with minimal volatility) proves that inclusive finance can be both principled and profitable.

Whether you’re an investor looking for low-volatility passive income or a student loan holder seeking a fresh start, Defynance offers a solution where everyone wins when everyone is included.

Inclusion In Action

The future of finance demands more than optics. It demands action. At Defynance, we believe inclusivity is not about who we feature on our homepage, but who we build systems for. By eliminating debt and replacing it with income-aligned support, we open the door for participation across communities, beliefs, and identities.

Together, we can eliminate student debt. But it requires a collective commitment to redesign finance for the many, not just the few. Join us.

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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.

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