The ModernLend Blog provides real-world insights and advice to make your transition and life in the United States as fulfilling as possible. With a dedicated team comprised of global citizens and travelers, many of us at ModernLend have been in your shoes.
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There are more than 5 million creditworthy international citizens working or studying in the U.S. today. Though high-achieving in their academic and professional lives, these students and workers find it extremely difficult to gain access to basic credit products such as credit cards and personal loans because American financial institutions still view them through the traditional FICO credit score lens now in use for over 30 years.
ModernLend is on a mission to fill the gap between financial institutions and creditworthy international citizens by offering the premiere credit products these individuals want, need, and deserve to reach their full financial potential in the U.S. Using alternative metrics such as educational, professional, financial, and behavioral data, ModernLend determines the creditworthiness of an individual without requiring a social security number or credit score. With our proprietary underwriting risk model, we hope to provide global citizens the opportunities we know they deserve.
As for the team at ModernLend, our founders graduated from Wharton MBA with international stories of their own. ModernLend’s management team brings experiences from Goldman Sachs, Wells Fargo, Citigroup, and Ernst & Young. In addition to be a portfolio company in Entrepreneurs Roundtable Accelerator, ModernLend also has won numerous international FinTech competitions including BBVA Bank’s Global FinTech Competition and Wired Money UK’s Startup Stage.
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The ModernLend blog and all its content is created and managed by ModernLend. All content written and posted to our content platform is original — owned and distributed by ModernLend. The information posted is meant for general informational purposes only and not intended to provide legal, financial, or tax advice. Any links or content linked to other websites and companies are included as a matter of convenience for the reader and are not intended to imply that ModernLend endorses, promotes, and/or is affiliated with the sites. ModernLend also does not specifically endorse any of the content or information presented in linked websites, unless explicitly stated otherwise.