A student-loan-refinancing startup a day keeps the FOMO away.
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Defynance refinances student loans eliminating student debt with smart income share agreements.
An Income Share Agreement (ISA) allows someone to contractually share a fixed percentage of their income over a set period of time with a funder. The total amount shared varies depending on the income share percentage, ISA length, income growth or lack thereof, and other factors. Defynance ISA payments pause, without recourse, if income falls below a minimum amount, and can end early if prepaid or when total income share payments hit the payment cap. It also has a built in savings mechanism that provides a cash return to our refinancers when their ISA payment term is completed.

What's Innovative About Their Solution?

Defynance has built a proprietary machine learning ISA predictive algorithm that is able to provide individualized risk based income share percentage pricing for each refinancing candidate.

📍 Location

Tampa, FL

⚙️ Product Stage


🏭 Industries

FinTech, Marketplaces, Impact

🤑 Fundraising Status

Actively raising

💸 Total Funding
To Date


🙌 Founder Demographics

Minority founder

Big Wins

  • Won 2nd place in the Startup Showcase during the Tampa Bay Startup Week
  • Selected to be in the initial cohort of the Embarc Collective
  • Selected after a to join the University of South Florida Tampa Bay Technology Incubator
  • Private Beta underway since March 15, 2019

Watch the video

Download the deck

Contact the Founder:

Farrukh Siddiqui


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2019 Startup Outlook Report
SVB is pleased to present the 10th edition of our annual Startup Outlook Report, focusing on the innovation economies of the US, the UK, China and Canada. Read the report here.
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