Raise closed, search for fresh raises on Seedstage

Irvine, CA

Funding platform expansion and product development for AI-powered consumer credit and finance tools.

• Profitable and revenue-generating: Achieved over $100M in gross revenue with positive EBITDA.
• Proprietary AI engine: Max AI™ delivers personalized credit and financial recommendations.
• Expansive partner network: 3,800+ active monthly B2B2C partnerships supporting distribution.
• Diversified revenue streams: Combines B2B, B2C, and affiliate models with recurring subscriptions.
• Public market ambitions: Reserved ticker symbol CNDR in preparation for potential listing.

ConsumerDirect is raising funds to support its next phase of growth by advancing Max AI™, its proprietary artificial intelligence technology designed to help consumers better manage credit, finances, and data privacy. The company operates a robust platform that includes consumer-facing tools like SmartCredit®, Hogo®, and TheLendingScore.com, all aimed at simplifying complex financial tasks and improving credit outcomes. This fundraising round is part of a broader strategy to increase user acquisition, expand strategic partnerships, and enhance the functionality and reach of its AI-powered solutions.

The capital raised will also position the company for a potential public listing, as it scales distribution through white-labeled B2B2C channels and continues to grow its direct-to-consumer subscription business. With over $100 million in gross revenue and profitability already achieved, ConsumerDirect plans to use the funds to accelerate Max AI’s integration across its platform, broaden product offerings, and increase its customer base. The company is also focused on scaling its APIs for credit and data removal services, opening additional revenue channels and enhancing its impact on financial empowerment for everyday Americans.

Company Info

ConsumerDirect offers AI-powered credit, financial management, and data privacy tools to consumers and enterprise partners.

ConsumerDirect is a financial technology company that provides consumers with tools to manage and improve their credit, finances, and personal data. Its suite of products includes SmartCredit for credit and identity management, Hogo for gamified privacy protection, and TheLendingScore.com for credit scoring and loan matching. The company’s proprietary Max AI engine analyzes millions of data points daily to generate personalized insights, help users improve their credit scores, and provide transparency in lending. With a platform designed for both direct-to-consumer and B2B2C models, ConsumerDirect integrates with affiliate partners, banks, and financial institutions to deliver services through co-branded and white-labeled offerings.

ConsumerDirect also offers APIs that enable businesses to access credit data and automate consumer data removal from broker sites. The company’s products are used by more than 300,000 active monthly customers and over 3,800 partners. It reports over $100 million in gross revenue for 2024, alongside profitability and positive EBITDA. The company emphasizes data privacy, personalized lending recommendations, and improved credit access for underserved consumers. With a focus on user empowerment through data-driven financial insights, ConsumerDirect aims to address systemic challenges in the credit and lending ecosystem by leveraging artificial intelligence and automation.