Fundraising Fox

equipifi

Scottsdale, US · Founded 2021 · Delaware corporation · 67 employees on LinkedIn · 8 known investors

Equipifi provides flexible payment infrastructure that enables banks and credit unions to offer real-time purchasing power to their customers under their own brand. The platform is designed for financial institutions across the US to manage consumer lending and payment options directly.

Also known as equipifi

Enterprise SoftwareFintechSaaS

Founders & leadership

equipifi was founded in 2021 by Bryce Deeney and Bill Simmons, MBA.

BDBryce Deeney
Bryce DeeneyFounder
BSBill Simmons, MBA
Bill Simmons, MBAinFounder / Chief Program Officer2021–2023Founder of equipifi, which provides payment infrastructure enabling banks and credit unions to offer real-time, branded purchasing power to their customers. He holds an MBA and has nearly 20 years of experience in strategic program design, delivery frameworks, operational systems, data analysis, and organizational design.
CS
Colleen ShannonExecutive

Board

GSGregg Scoresby
Gregg ScoresbyinBoard MemberFounder and Managing Partner at PHX Ventures
MK
Mary KeeganBoard director
JL
Jeff LiesendahlBoard director
LA
Lou AlexanderBoard director
MW
Martin WalkerBoard director

Investors · 8

Baleon CapitalLos Angeles
Curql Collective, LLCDes Moines
Left Lane CapitalNew York · $5M – $75M
New Stack VenturesChicago · $500K – $1.5M
Next Level VenturesDes Moines · $500K – $5M
PHX VenturesTempe · $1M – $5M
SixThirty VenturesreportedSt. Louis · $100K – $250K

Also in the syndicate · 1

Curql

Reported raises · per SEC filings

Form D private placements

$50.6M disclosed across 6 rounds · 2021–2026

▶$31MraisedApr 2026 · 21 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Lou Anne AlexanderDirector
  • Patrick ScherzDirector
  • Dan AhrensDirector
  • Bryce L. DeeneyExecutive Officer, Director
  • Colleen ShannonExecutive Officer
  • Gregg ScoresbyDirector
Offering amount
$44.5M
Amount sold
$31M
First sale
Apr 2026
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$2.4MraisedJun 2025 · 6 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Mary KeeganDirector
  • Jeff LiesendahlDirector
  • Lou Anne AlexanderDirector
  • Martin WalkerDirector
  • Bryce L. DeeneyExecutive Officer, Director
  • Gregg ScoresbyDirector
  • Colleen ShannonExecutive Officer
Offering amount
$2.5M
Amount sold
$2.4M
First sale
Jun 2025
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$989.3KraisedJan 2025 · 2 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Mary KeeganDirector
  • Jeff LiesendahlDirector
  • Lou Anne AlexanderDirector
  • Martin WalkerDirector
  • Colleen ShannonExecutive Officer
  • Gregg ScoresbyDirector
  • Bryce L. DeeneyExecutive Officer, Director
Offering amount
$3M
Amount sold
$989.3K
First sale
Dec 2024
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$13.3MraisedMay 2022 · 14 investors · Other
Rule 506(b)
Officers, directors & promoters on the filing
  • Bryce L. DeeneyExecutive Officer, Director
  • Mary Anne KeeganDirector
  • Lou AlexanderDirector
  • Arthur MillerDirector
  • Jon KaidenDirector
  • Martin WalkerDirector
  • Gregg ScoresbyDirector
Offering amount
$13.3M
Amount sold
$13.3M
Minimum investment
$15K
First sale
May 2022
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$1.3MraisedOct 2021 · 2 investors · Other
Rule 506(b)
Officers, directors & promoters on the filing
  • Bryce L. DeeneyExecutive Officer, Director
Offering amount
$1.3M
Amount sold
$1.3M
First sale
Oct 2021
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$1.8MraisedSep 2021 · 9 investors · Other
Rule 506(b)
Officers, directors & promoters on the filing
  • Bryce L. DeeneyExecutive Officer, Director
Offering amount
$1.8M
Amount sold
$1.8M
Minimum investment
$10K
First sale
Sep 2021
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗

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

Company profile

researched Aug 2026

equipifi offers a white-label flexible payments platform that lets banks and credit unions embed pay-over-time capabilities across their digital banking channels. Core capabilities include buy now, pay later offers, installment loans tied to debit cards, purchasing-power checks, payment splitting and cash flow management features presented inside the institution's own branded banking experience.

The platform is delivered with integrations into banking cores and digital banking platforms, and includes tooling for reporting on program engagement and loan activity, adjusting eligibility and offer parameters, and running marketing and growth campaigns. Underwriting and loan workflows are automated, with pre-approved offers intended to be issued without manual intervention. The company describes an implementation path of roughly eight weeks, structured in stages covering strategy alignment and integration, parameter selection and validation of the branded experience in a test environment, and launch with automated growth tools.

Business model

equipifi sells its platform to financial institutions, which deploy it under their own brand to their account holders; the institutions originate and hold the resulting installment loans.

Traction

Published customer references include Openland Credit Union, USF Credit Union, Educators Credit Union, Capitol Credit Union, FirstFunds and GEN Pay, covering programs such as in-house debit card BNPL, increased online banking engagement, and first-year BNPL loan portfolio performance.

▸Full profile — market position, technology, go-to-market

Market position

Supplier of pay-over-time infrastructure to financial institutions, positioned as an in-house alternative to third-party BNPL fintechs used by their account holders.

The company positions itself as a platform that lets financial institutions own installment capabilities across their entire banking experience rather than ceding them to third-party fintech providers, with a fully white-labeled experience and an implementation said to require about 10 hours of the institution's time over an eight-week window.

Technology

A white-label flexible payments platform with buy now, pay later and debit card installment lending, purchasing power checks, payment splitting, automated underwriting and loan workflows, configurable eligibility and offer parameters, program reporting dashboards, marketing tools, and prebuilt integrations to banking cores and digital banking platforms.

Go-to-market

Direct sales to financial institutions, supported by integration guides for cores and digital banking platforms, prepackaged go-to-market campaigns for client brands, and published customer case studies.

Banks and credit unions, and through them their consumer account holders and debit cardholders.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
HeadcountAug 202667

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Founder mafia

3 people who came through equipifi went on to found or lead other companies.

Nick MoranLead InvestorFounded The Full RatchetDoug WilberBoard ObserverFounded DenimsocialGregg ScoresbyDirectorFounded Campuslogic

Competitors · 9

by search overlap
Klarna68 shared keywordsKlarna is a mobile banking and payments platform that offers flexible payment options, shopping features, and financial management tools to millions of users globally through partnerships with thousands of merchants.
Sezzle64 shared keywords
Jetlore61 shared keywordsJetlore was a Palo Alto AI startup that turned unstructured retail product data into structured attributes so merchants could personalise what each shopper saw. Founded by Stanford researchers, it raised from Sierra Ventures, Alsop Louie Partners, Fenox Venture Capital, BRM Capital and Mercury Fund, and PayPal acquired it in 2018.
ValidiFI49 shared keywordsValidiFI provides alternative data and predictive analytics solutions to financial institutions, fintechs, and payment companies for fraud reduction, risk management, and lending decisions. The company uses non-permissioned and permissioned data to deliver insights across account, payment, and lending lifecycles.
ModernFi48 shared keywordsModernFi operates a member-owned deposits network and reciprocal deposits platform that enables community and regional financial institutions to compete with larger banks. The company provides infrastructure, technology, and services to help institutions of all sizes serve businesses, public funds, nonprofits, and families.
Splitit45 shared keywordsSplitit provides embedded card-linked installment payments that let consumers split purchases using their existing credit rather than taking on new debt. It serves merchants, consumers, and banks as an alternative to traditional buy-now-pay-later models in the payments ecosystem.
GoCardless45 shared keywordsGoCardless provides bank payment collection and open banking data access services. The platform enables businesses to collect domestic and international payments via bank accounts and securely access customer bank account data across 2,300+ banks in the UK and Europe.
Chase43 shared keywordsA wealth management and investing service (J.P. Morgan Wealth Management via Chase) offering self-directed brokerage accounts with commission-free online trades as well as one-on-one advisor services, financial planning tools, and retirement accounts. It serves individual retail investors ranging from beginners to experienced investors in the United States.
Affirm40 shared keywordsAffirm provides a point-of-sale financing platform that allows consumers to make purchases and pay over time, available online and in-store through its Affirm Card and browser extension integrations.

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

Legal entities · 1

corporate structure
equipifiDelaware

In the news

Valley tech firm Equipifi raises $34 million to grow installment payment network - Phoenix Business Journalbizjournals.com · May 2026Equipifi lands $34m Series Bfintechfutures.com · May 2026Equipifi: $34 Million Series B Raised To Expand BNPL Solutions Across Financial Institutionspulse2.com · May 2026Equipifi Secures $34 Million to Scale Bank-Led BNPL Network | PYMNTS.compymnts.com · May 2026BNPL-as-a-service company Equipifi raises $34Maxios.com · May 2026

▸Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does equipifi do?
equipifi provides white-label buy now, pay later and installment payment software for banks and credit unions.
Who founded equipifi?
equipifi was founded by Bryce Deeney, Bill Simmons, MBA in 2021.
Who are equipifi's investors?
equipifi's investors include Baleon Capital, Curql Collective, LLC, Left Lane Capital, New Stack Ventures, Next Level Ventures, PHX Ventures, SixThirty Ventures.
How much funding has equipifi raised?
equipifi has disclosed $50.6M raised across 6 rounds.
Where is equipifi headquartered?
equipifi is headquartered in Scottsdale, US.