Who They Are

Holt Fintech Accelerator 2018 chosen team Ivy Lender is an SME lending platform that connects small and mid-sized businesses with institutional and alternative lenders. Unique to the Ivy Lender platform is their ability to process payments in North America and use the data collected from their clients to predetermine lending opportunities for their clients. Unlike other platforms, Ivy Lender covers a wide scope of business lending needs for companies at all stages.

Founder and CEO, Christina Camacho, started Ivy Lender after working as a banker for the top Financial Institution in the U.S. for nearly a decade. She felt the FinTech industry left a large group of underserved businesses, and seeing that there was an opportunity to combine FinTech with traditional financing guidelines, Christina developed a platform to address the unique needs of businesses that either cannot wait or do not qualify for traditional financing.

The ultimate vision of Ivy Lender was to partner with financial institutions across North America to offer solutions to their clients outside of the guidelines that each institution offered. As a part of achieving their goal, they have partnered with top FinTechs in North America that have the business owners best interest in mind.

“One of our goals at Ivy Lender is to level out the playing field.”

Christina Camacho, Ivy Lender CEO

How They Work

Ivy Lender was launched in 2016. Since then, they have partnered with numerous lenders across Canada and the United States. Ivy Lender is in talks to partner with a fellow 2018 cohort team to help applicants that cannot qualify for a loan at the time they land on Ivy’s platform get on the path to repairing their credit so Ivy Lender can fund them once they achieve a certain score

“What sets us apart from other platforms is our ecosystem that we are creating.

We worked hard to combine a user experience that our customers expect while offering loans with affordable rates. If we are unable to secure financing at the time they apply, we will work with them to get them to a fundable position. Our competitors often push clients into products that do not necessarily have a long-term financial benefit for the business. We are looking to change that.”

Christina Camacho, Ivy Lender CEO

Recipe for Success

With the launch and growth of Ivy Lender accelerating at an impressive speed, the team has a lot of successes to be proud of. One tangible achievement CEO Christina Camacho is proud of? Working as a Fintech founder with a bank she used to be employed at to integrate Ivy Lender’s software into their institution.

In addition to business successes, as a woman in Fintech, Christina seeks to inspire other female Fintech founders. Ivy Lender’s innovative potential and growing success being recognized by selection into the Holt Fintech Accelerator was a win for the visibility of women in Fintech!

“I am the first woman in the Holt program. I believe this program will provide me with a platform to inspire other female Fintech founders and entrepreneurs to pursue their dreams and never give up.”

Christina Camacho, Ivy Lender CEO

Joining the Holt Fintech Accelerator

The Holt Fintech Accelerator’s dedication to AI development with our chosen teams attracted Ivy Lender to the program, as they are looking to add AI to the underwriting  algorithm. The collaborative environment is appealing for the Ivy Lender team, both with Stradigi AI and with fellow 2018 cohort teams.

In addition, the Holt Fintech Accelerator is helping Ivy Lender tap into their extensive network of VCs and bank contacts needed to offer their services to Canadians. Going forward, they’re looking at pushing into consumer lending in Canada, getting involved with both commercial and personal lending.

Bonus: Behind the Scenes

What would you like to see in the future of Fintech that is not currently possible or happening in the industry?

Christina: I would love to see more gender equality in the space. That means more women running organizations in Fintech and receiving financial backing from VCs and Financial Institutions.

How do you blow off steam after a hard day’s work with Ivy Lender?

Christina: I find philanthropy to be the most rewarding way to blow off steam after a hard day’s work. I’m very involved with nonprofit organizations. I sit on the Executive Board of Directors at the Jack & Jill Children’s Center in Fort Lauderdale. I also have served on the Public Affairs Board of Directors for the Junior League. My passion for philanthropy carries over into my business; we provide technology to underfunded schools and make a difference where we can.

What is a fact about Ivy Lender outsiders should know?

Christina: When we first launched, we weren’t yet a lending platform — we were a payments company that evolved into a lending platform when we saw an opportunity to disrupt by combining the two.