# Applied Data Finance

> Applied Data Finance is a San Diego consumer finance company founded in 2014. Through Personify Financial and its partner-facing lending platform, it uses machine learning and borrower data to originate, price and service unsecured installment loans for underserved U.S. consumers. It combines lending, bank partnerships, institutional loan sales and Lending as a Service; its access-to-credit mission sits alongside loan programs that can carry high APRs.

- **Founded:** 2014
- **Headquarters:** San Diego, United States
- **Founders:** Krishna Gopinathan (Co-founder; former CEO; transitioned to board and advisory role in 2024), Daniel Zwirn (Co-founder), Eric Schwartz (Co-founder)
- **Products:** Personify Financial, Lending as a Service, Institutional Whole Loan Platform, Loan servicing
- **Notable:** ADF reports 91% of loans fully automated on its corporate website., Plaid reports bank data collection across more than 90% of Personify applicant traffic, with approvals expanded by up to 8% in underserved segments and credit costs maintained., Ranked #8 on the Financial Times Americas fastest-growing companies list in 2020, according to ADF’s announcement.

## Products & services

- **Personify Financial** — Online unsecured personal installment loans, with direct, bank-partner and participating-creditor programs depending on state and eligibility. Published state disclosures include high-APR programs.
- **Lending as a Service** — Partner-facing digital lending and decisioning platform with risk, fraud, prescreen, conversion and lifetime profitability models.
- **Institutional Whole Loan Platform** — Institutional investors purchase loans originated using ADF analytics; launched with Colchis Capital Management.
- **Loan servicing** — ADF services loans, including bank-partner loans sold under the Axar forward flow agreement.

## Achievements

- ADF reports 91% of loans fully automated on its corporate website.
- Plaid reports bank data collection across more than 90% of Personify applicant traffic, with approvals expanded by up to 8% in underserved segments and credit costs maintained.
- Ranked #8 on the Financial Times Americas fastest-growing companies list in 2020, according to ADF’s announcement.
- Inc. 5000 rankings of #345 in 2020 and #1064 in 2021, according to ADF.

## Latest updates

- **2026-05** — Published the Plaid cash flow underwriting case study, reporting approvals expanded by up to 8%.
- **2026-03** — Renewed and expanded warehouse financing to $300 million, with a new $100 million commitment and three-year extension.
- **2025-07** — Appointed Deena Narayanaswamy EVP of Credit Risk and Vijay Ravichandran EVP of Data Science and Analytics.
- **2025-03** — Appointed Todd Rice Chief Revenue Officer and Anthony Nyikos Vice President of Growth.

## Links

- Website: https://www.applieddatafinance.com/
- LinkedIn: https://www.linkedin.com/company/applied-data-finance
- Twitter/X: https://twitter.com/AppliedDataFin
- Facebook: https://facebook.com/AppliedDataFinance/

---

Profile page: https://yespress.io/applied-data-finance
Published by YesPress — https://yespress.io
Last updated: 2026-10-01