# Climb Credit

> Climb Credit is a New York-based fintech lender that finances career-focused education such as coding bootcamps, trucking, healthcare, cosmetology and aviation programs. It partners with vocational schools to offer private loans and interest-free recurring payment plans, using an AI-driven credit model built on more than 150 data points so applicants with limited credit history can still qualify. Founded in 2014, Climb has funded tens of thousands of learners and vets partner schools to ensure programs actually improve graduates' earning potential.

- **Founded:** 2014
- **Headquarters:** New York, United States
- **Founders:** Vishal Garg (Co-founder), Raza Munir (Co-founder), Alexander Rafal (Co-founder)
- **Team size:** ~45 employees
- **Products:** Climb Loans, Interest-Free Recurring Payments (IFRP), Climb Credit Score, ClimbTalent
- **Notable:** Funded tens of thousands of learners in career-focused education since 2014, Borrowers reported an average 57% salary increase after completing programs, Grew the business more than 500% under former CEO Angela (Ceresnie) Prince

## Products & services

- **Climb Loans** — Private loans for career-focused education programs, with the school funding tuition upfront (typically 75-100% depending on credit tier) and Climb servicing the loan.
- **Interest-Free Recurring Payments (IFRP)** — Weekly, interest-free payment plans structured to match the length of a student's course.
- **Climb Credit Score** — An AI-driven, holistic credit assessment using more than 150 data points to evaluate applicants with limited or thin credit history.
- **ClimbTalent** — A free career-development platform for program alumni offering job listings, mentorship and training resources, regardless of whether they financed with Climb.

## Achievements

- Funded tens of thousands of learners in career-focused education since 2014
- Borrowers reported an average 57% salary increase after completing programs
- Grew the business more than 500% under former CEO Angela (Ceresnie) Prince
- Secured $50M in lending capital from Goldman Sachs Urban Investment Group
- Built a proprietary AI credit model drawing on 150+ data points and $1B+ in loan-origination history
- Completed SOC 1 & SOC 2 audits; licensed lender (NMLS #1240013)

## Latest updates

- **2022-06** — Partnered with Green Flower to offer financing for cannabis-industry education programs.
- **2022-02** — Casey Powers transitioned from COO to CEO after three years at Climb.
- **2021-01** — Launched ClimbTalent, a free career platform for program alumni.
- **2019-06** — Raised $9.8M Series A led by Third Prime and New Markets Venture Partners.
- **2019-01** — Secured $50M in lending capital from Goldman Sachs Urban Investment Group.

## Links

- Website: https://climbcredit.com
- LinkedIn: https://www.linkedin.com/company/climb-credit
- Twitter/X: https://twitter.com/ClimbCredit
- Instagram: https://www.instagram.com/climbcredit/
- Facebook: https://facebook.com/climbcredit/

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Profile page: https://yespress.io/climb-credit
Published by YesPress — https://yespress.io
Last updated: 2026-07-21