Fundraising FoxApplied Data Finance
San Diego, US · Founded 2014 · Delaware LLC · 1 known investors
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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.
Founders & leadership
Applied Data Finance was founded in 2014 by Krishna Gopinathan.
KG
Krishna GopinathanFounder · 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.
DC
Dan ChelewChief 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.
JT
Joseph TomsCEOJoseph 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
DZ
Daniel ZwirnBoard director
ES
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 · OtherRule 506(b)
▶$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
▶$6.7MraisedJun 2017 · 8 investors · Other Banking and Financial ServicesRule 506(b)
▶$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
▶$9.5MraisedApr 2016 · 13 investors · Other Banking and Financial ServicesRule 506(b)
▶$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
▶$9.3MraisedDec 2015 · 35 investors · Other Banking and Financial ServicesRule 506(b)
▶$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
Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.
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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.