# Trovy

> Trovy is a New York consumer fintech and licensed home-equity lender. Its HELOC combines Mastercard spending access, cash transfers, balance transfers, and fixed-rate repayment options for eligible US homeowners. The company announced a $15 million Series A in June 2026, bringing total funding to $25 million.

- **Founded:** 2024
- **Headquarters:** New York, United States
- **Founders:** TJ Milani (Co-founder and CEO), Ashley Harris (Co-founder and COO)
- **Products:** Trovy HELOC and HELOC credit card, Trovy FixedPay, Trovy SmartPay, Trovy Rewards, Trovy 1Loan
- **Notable:** First product launched in June 2025, roughly eight months after formation, according to the funding announcement., Reported live in 27 states and licensed in 30 at the June 2026 announcement., Announced USD 25 million total venture funding in June 2026.

## Products & services

- **Trovy HELOC and HELOC credit card** — Home-equity line of credit with physical and virtual Mastercard access, cash draws, and balance transfers; current maximum advertised line is $250,000, subject to eligibility. No required upfront draw on lines of $100,000 or less.
- **Trovy FixedPay** — Converts all or part of a card-purchase balance to a fixed-rate installment plan; pricing and repayment terms depend on the selected plan and property usage.
- **Trovy SmartPay** — Refinances qualifying external debts through the HELOC so refinanced obligations can be excluded from the debt-to-income calculation used for the offer.
- **Trovy Rewards** — 2% cash back on eligible home-category purchases and 1% on other purchases, with conditional home-service credits and Mastercard benefits.
- **Trovy 1Loan** — Planned refinancing HELOC with redraw access and advertised borrowing up to $2 million. The public product page displayed a waitlist and Coming in 2026 when researched on October 3, 2026.

## Achievements

- First product launched in June 2025, roughly eight months after formation, according to the funding announcement.
- Reported live in 27 states and licensed in 30 at the June 2026 announcement.
- Announced USD 25 million total venture funding in June 2026.

## Latest updates

- **2026-09** — September 30 release notes describe detailed progress views for FixedPay plans; September 28 lists Smart Search; September 2 added Apple Pay.
- **2026-08** — August 4 release notes announced Priority Pass lounge-access membership, subject to benefits terms.
- **2026-07** — July 20 release notes list Google Pay support; July 10 announced a referral incentive.
- **2026-06** — Announced Series A funding June 24; June 25 release notes specify 2% home-category and 1% other-purchase rewards.

## Links

- Website: https://trovy.com/
- LinkedIn: https://www.linkedin.com/company/trovy-technologies-inc/
- Twitter/X: https://x.com/trovycard
- YouTube: https://www.youtube.com/@TrovyCard
- Instagram: https://www.instagram.com/trovyco/
- Facebook: https://www.facebook.com/profile.php?id=61575682330483
- TikTok: https://www.tiktok.com/@get.trovy

---

Profile page: https://yespress.io/trovy
Published by YesPress — https://yespress.io
Last updated: 2026-10-03