Who founded Applied Data Finance?

Applied Data Finance was founded by Krishna Gopinathan in 2014.

Who are Applied Data Finance's investors?

Applied Data Finance's investors include Victory Park Capital.

How much funding has Applied Data Finance raised?

Applied Data Finance has disclosed $56.3M raised across 4 of its 5 known rounds.

Where is Applied Data Finance headquartered?

Applied Data Finance is headquartered in San Diego, US.

Applied Data Finance

San Diego, US · Founded 2014 · Delaware LLC · 1 known investors

Find your way into Applied Data Finance

230 people in our graph share verified history with the Applied Data Finance team — schools, employers, funds. One of them is your warm intro.

Sherwood Neissunlockedknows Krishna Gopinathan · together at D3VC.ai (overlapped)

knows the team · via First Advantage

knows the team · via Applied Data Finance

×2knows the team · via JG Wentworth

×7knows the team · via Correlation Ventures

Applied Data Finance (ADF) operates an AI-powered, fully digital consumer lending platform that uses data analytics and automated underwriting to extend credit at risk-appropriate rates to underserved U.S. consumers. It also offers Lending-as-a-Service (LaaS) and B2B consumer lending and compliance solutions to financial institutions and fintech partners.

AI & Machine Learning Consumer Fintech

Founders & leadership

Applied Data Finance was founded in 2014 by Krishna Gopinathan.

Krishna Gopinathan Founder · Board Member2024–2025Krishna Gopinathan co-founded Applied Data Finance, a digital consumer lending platform that he scaled to $300M+ in annual loan bookings before stepping down as CEO. He previously founded Lending Stream/Gain Credit, which became the UK's second-largest online installment lender, and developed the Falcon fraud detection system at HNC Software prior to its acquisition by FICO; he has authored 12 patents in predictive modeling and applied AI focused on credit decisioning and risk management.

Dan Chelew Chief Operating Officer2014–2016Dan Chelew founded and led Applied Data Finance, an AI-powered digital consumer lending platform, before leaving in November 2016. He subsequently established Cypress Media, a consulting firm focused on lending and startup ventures.

Joseph Toms CEOJoseph Toms held roles in investment research and fintech lending, including Director of Research at Fisher Investments, President & CIO at Prosper Marketplace, and head of the lending division at Freedom Financial before becoming CEO of Applied Data Finance, an AI-powered digital lending platform serving underserved consumers and financial institutions.

Board

Daniel ZwirnBoard director

Eric SchwartzBoard director

Investors · 1

Victory Park CapitalreportedChicago

How we know: funding news · Not right? Tell us

Reported raises · per SEC filings

Form D private placements

$56.3M disclosed across 4 of 5 rounds · 2015–2020

▶$30.8MraisedJul 2018 · 13 investors · Other

Rule 506(b)

Officers, directors & promoters on the filing

Richard J. BuoncoreDirector
Daniel ZwirnExecutive Officer, Director
Krishna GopinathanExecutive Officer, Director
Eric SchwartzDirector
Glen FreterExecutive Officer
Broud KuhnExecutive Officer

Offering amount: $70.3M
Amount sold: $30.8M
First sale: Jul 2018
Incorporated: Limited Liability Company, Delaware, 2014
Federal exemptions: 06b

Full filing on SEC EDGAR ↗

▶$6.7MraisedJun 2017 · 8 investors · Other Banking and Financial Services

Rule 506(b)

Officers, directors & promoters on the filing

Jack CohenExecutive Officer
Broud KuhnExecutive Officer
Daniel ZwirnExecutive Officer, Director
Pranav PatelExecutive Officer
Glen FreterExecutive Officer
Krishna GopinathanExecutive Officer, Director
Derek HigginbothamExecutive Officer
Melissa OntiverosExecutive Officer
Eric SchwartzDirector

Offering amount: $12M
Amount sold: $6.7M
First sale: Apr 2017
Incorporated: Limited Liability Company, Delaware, 2014
Federal exemptions: 06b

Full filing on SEC EDGAR ↗

▶$9.5MraisedApr 2016 · 13 investors · Other Banking and Financial Services

Rule 506(b)

Officers, directors & promoters on the filing

Broud KuhnExecutive Officer
Daniel ZwirnExecutive Officer, Director
Daniel ChelewExecutive Officer
Eric SchwartzDirector
Krishna GopinathanExecutive Officer, Director
Glen FreterExecutive Officer

Offering amount: $9.5M
Amount sold: $9.5M
First sale: Apr 2016
Incorporated: Limited Liability Company, Delaware, 2014
Federal exemptions: 06b

Full filing on SEC EDGAR ↗

▶$9.3MraisedDec 2015 · 35 investors · Other Banking and Financial Services

Rule 506(b)

Officers, directors & promoters on the filing

Daniel ZwirnExecutive Officer, Director
Krishna GopinathanExecutive Officer, Director
Eric SchwartzDirector
Dan ChelewExecutive Officer

Offering amount: $9.3M
Amount sold: $9.3M
First sale: Mar 2015
Incorporated: Limited Liability Company, Delaware, 2014
Federal exemptions: 06b

Full filing on SEC EDGAR ↗

Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.

Competitors · 2

by search overlap

Applied Digital4 shared keywordsApplied Digital builds and operates large-scale data centers purpose-built for AI, machine learning, and high-performance computing workloads. The company designs campuses with high-density, low-latency infrastructure to support next-generation artificial intelligence applications.

Plaid3 shared keywordsPlaid provides financial infrastructure and APIs that enable developers to build financial technology products and services. The platform serves fintech companies, developers, and financial institutions by offering consumer-facing applications and backend tools for financial data connectivity.

Companies competing with Applied Data Finance for the same Google search keywords, organic and paid, via search-intersection analysis.

Frequently asked questions

What does Applied Data Finance do?: Applied Data Finance (ADF) operates an AI-powered, fully digital consumer lending platform that uses data analytics and automated underwriting to extend credit at risk-appropriate rates to underserved U.S. consumers. It also offers Lending-as-a-Service (LaaS) and B2B consumer lending and compliance solutions to financial institutions and fintech partners.
Who founded Applied Data Finance?: Applied Data Finance was founded by Krishna Gopinathan in 2014.
Who are Applied Data Finance's investors?: Applied Data Finance's investors include Victory Park Capital.
How much funding has Applied Data Finance raised?: Applied Data Finance has disclosed $56.3M raised across 4 of its 5 known rounds.
Where is Applied Data Finance headquartered?: Applied Data Finance is headquartered in San Diego, US.