Applied Data Finance exceeds $1 billion in loans issued

SAN DIEGO–(BUSINESS WIRE)–Applied Data Finance, LLC (ADF), a leading technology lender and asset manager, today announced that it has originated* more than $1 billion in loans, including nearly $280 million in 2021 alone. Since its inception, ADF’s footprint has grown significantly with over 200,000 customers served.

Founded in 2014, ADF has built an industry-leading AI-based analytics platform to open access to credit to underappreciated American consumers – the tens of millions of Americans who have traditionally completely prevented from borrowing or unable to borrow at the rates they could afford. ADF’s next-generation lending platform analyzes data from over 30,000 predictor variables to match customers with loans they can afford to repay at risk-appropriate rates.

“We’ve been able to disrupt traditional lending through our ability to generate clear snapshots of customers’ true credit status, our amazing team, and a business model based on the simple idea that we only succeed when our customers do,” said ADF co-founder and CEO Krishna Gopinathan. “We are proud to serve underappreciated Americans with responsible financial products and look forward to leveraging our strengths to grow our market share across the credit spectrum.”

Through its consumer-facing Personify Financial brand, ADF has created a streamlined lending process backed by industry-leading customer service and an unwavering commitment to compliance and continuous improvement. ADF’s credit models have been refined to the point where they now have 2.5 times the predictive power of the standard FICO score.

“Unlike traditional lenders, ADF offers a unique approach to analyzing credit data using next-generation underwriting,” Gopinathan said. “Our innovative platform provides a superior alternative to many other types of non-preferential loans available to underappreciated consumers.”

ADF was named to the Inc. 5000 list of America’s fastest-growing private companies in 2020 and 2021, and ranked eighth on the Financial Times’ 2020 list of America’s fastest-growing companies.

*References to granting, granting or granting loans or credits describe loans facilitated by the Personify online platform. The actual lender can be Personify, an affiliate, or a partner.

About Applied Data Funding

ADF, through its Personify Financial brand, is the trusted financial partner of tens of thousands of underappreciated and underbanked Americans. Combining state-of-the-art technology and a world-class application of advanced data science and machine learning, ADF sets a new standard for assessing the credit and fraud risk of near-prime and non-prime borrowers. For more information, visit and

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