financial institutions expand conversion rates and offer solutions to their declined population outside of their internal credit guidelines. Ivy Lender helps lenders reduce poor quality submissions from their broker channel by providing an affordable SaaS on-boarding tool for brokers to connect with lenders in a fully digitized method. Ivy Lender provides un-bankable business applicants with tools to not only achieve their first round of financing but also access lower cost of capital throughout their growth. "Financial Inclusion" is at the core of our mission.