We’re excited to announce a strategic partnership between Consulytica, a leading provider of alternative credit data and financial analytics, and FinCliq, an innovative Buy Now, Pay Later (BNPL) platform focused on financial empowerment for working families.

This collaboration represents more than a typical fintech integration — it’s a shared mission to unlock smarter, fairer financing solutions for people traditionally left out of the credit conversation.

The Challenge: Millions Are Credit-Invisible

For millions of consumers in the U.S., traditional credit scores fail to tell the full story. Many hardworking individuals with steady income, responsible spending habits, and strong banking activity are still denied access to fair financing simply because they lack a long credit history.

FinCliq was built to solve this — by offering interest-free installment plans at participating merchants, powered by a unique data-driven approval process that looks beyond FICO scores.

The Solution: Real-Time Alt-Data from Consulytica

With Consulytica’s platform, FinCliq can now go deeper than traditional underwriting. By analyzing real-time bank transactions, deposit patterns, and cash flow health, FinCliq is able to:

• Assess a customer’s ability to repay using non-traditional signals
• Make approval decisions within 60 seconds
• Offer multiple repayment options with no interest, just low flat fees
• Reduce risk without compromising access

This integration allows FinCliq to serve families who may not qualify elsewhere — responsibly, ethically, and quickly.

Why It Matters

Together, we’re breaking down barriers in a space that has long been overdue for disruption. This isn’t just about credit access — it’s about financial dignity, inclusion, and empowerment.

Through this partnership, FinCliq is also helping consumers build long-term wealth, offering rewards like investment credits for on-time payments and financial literacy resources within the platform.

Consulytica is proud to be the data intelligence layer behind this vision — delivering the insights needed to underwrite risk in a modern, more human way.

What’s Next

This partnership is just the beginning. As FinCliq expands its merchant network and user base, and Consulytica continues to refine its alternative credit models, we’ll work together to redefine what it means to be “creditworthy.”

We believe your potential shouldn’t be defined by a number. And now, it doesn’t have to be.

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