ISA Credit Fund

  • Diversify your Portfolio

    Invest in the Earning Power of Human Capital


    ​13.9% return* with 0.54% volatility
    *since inception annual return up to Feb, 2024 calculated on a geometric cash on cash basis

    Invest Now

Diversify your Portfolio

Invest in the Earning Power of Human Capital


​14.1% return*with 0.53% volatility
*since inception return calculated on a geometric cash on cash basis

Invest Now

Invest Smart Spark Change

The Defynance Fund uniquely diversifies investor risk by turning the earning power of the American workforce into an investment asset. The Fund capital refinances student loans of educated and qualified individuals who, in turn, share their income providing stable and growing returns to Fund investors.

Investors get higher passive income returns in the range of equities but with minimal volatility just like with fixed income. Best of all, the Fund is uncorrelated to stock and bond markets.
Learn More

​​Invest Smart

Spark Change

The Defynance Fund uniquely diversifies investor risk by turning the earning power of the American workforce into an investment asset. The Fund capital refinances student loans of educated and qualified individuals who, in turn, share their income providing stable and growing returns to Fund investors.

Investors get higher passive income returns in the range of equities but with minimal volatility just like with fixed income. Best of all, the Fund is uncorrelated to stock and bond markets.
Learn More

How It Works

How Defynance Provides Pasive Income with Low Volatility with Impact Investment
Invest Now

What Sets Us Apart?

What Sets Us Apart?

 What We OfferHow You Benefit
Passive IncomeQuarterly distributions that can be reinvested
Low VolatilityMinimal volatility less than even fixed income
Uncorrelated to MarketsHedges against market volatility
Interest-Free ReturnsReturns not pegged to interest rates
 Impact Investment Measurable impact aligned with UN SDG goals

What We Offer

How You Benefit

Passive Income

Quarterly distributions that can be reinvested

Low Volatility

Minimal volatility less than even fixed income

Uncorrelated to Markets

Hedges against market volatility

Interest-Free Returns

Returns not pegged to interest rates

Impact Investment

Measurable impact aligned with UN SDG goals

Learn More

Join us in building a ​better future of finance!

Join us in building a ​better future of finance!

By tackling the almost $2 Trillion student debt crisis and eliminating student loan debt from our customers, The Defynance Fund enables impact investing with measurable metrics that also align with the United Nations' Sustainable Development Goals (SDG) 4 and 8.

Invest Now

Joshua C. (Investor)

"I invested because of the uniqueness of the product and how beneficial it’ll be for so many people." 

Stephanie F. (Investor & Advisor)

"I believe in Defynance's mission of eliminating student debt. They are solving a problem that is pervasive in the marketplace."

Johanna O. (Investor)

"I am devoted to the vision that all people can achieve financial stability without interest-bearing debt for their education, businesses, and homes."

 Asif H. (Investor & Advisor)

"I love the solution to a problem that I personally faced."

Ryan M. (Investor)

"I invested because I’d like to help qualified students get out of debt and stay out of debt"
About Us
Resources
Blog
FAQ
Contact Us
DISCLAIMER

From time to time, Defynance will make opportunities for investments in ISAs available to investors who are qualified as “Accredited Investors” (as defined below) and who have expressed an interest in learning about such investment opportunities. Any prospective investors will only have opportunities for investments made available to them by the ISA Refi Fund only after verification of their status and an expression of specific interest.

When investment opportunities are being offered, a Confidential Private Placement Memorandum (a “PPM”) will be furnished to approved investors on a confidential basis. Sales of the securities may not be consummated unless prospective investors are provided with a PPM. In particular, you should carefully read the “Risk Factors” set forth in the PPM.

The information contained in the PPM may not be provided to persons who are not directly concerned with an investor’s decision regarding the investment offered hereby. Investors should make their own investigations and evaluations of any securities offered. The securities, when offered, will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any other securities laws. They will be offered for investment pursuant to the exemption from registration provided under Section 4(a)(2) of the Securities Act and exemptions from the registration requirements of applicable state securities laws only to persons who are “Accredited Investors,” as defined in Regulation D under the Securities Act. There will be no public market for the offered securities.

This website, and the information being provided to prospective investors at this time, is not an offer to sell or a solicitation of an offer to buy any securities that may be offered in the future by Defynance, nor shall any such securities be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.

ANY SECURITIES OFFERED BY DEFYNANCE WILL NOT HAVE BEEN RECOMMENDED BY THE U.S. SECURITIES AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION OR REGULATORY AUTHORITY.

ANY SECURITIES OFFERED BY DEFYNANCE WILL BE SUBJECT TO RESTRICTIONS ON TRANSFERABILITY AND RESALE, AND MAY NOT BE TRANSFERRED OR RESOLD EXCEPT AS PERMITTED UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR AN EXEMPTION THEREFROM. INVESTORS SHOULD BE AWARE THAT THEY MAY BE REQUIRED TO BEAR THE FINANCIAL RISKS OF THEIR INVESTMENT IN THE SECURITIES FOR AN INDEFINITE TIME.

CERTAIN INFORMATION CONTAINED IN THIS WEBSITE AND IN THE PPM TO BE DELIVERED IN THE FUTURE CONSTITUTES AND WILL CONSTITUTE “FORWARD-LOOKING STATEMENTS,” WHICH CAN BE IDENTIFIED BY THE USE OF FORWARD-LOOKING TERMINOLOGY SUCH AS “MAY,” “WILL,” “SHOULD,” “EXPECT,” “ANTICIPATE,” “ESTIMATE,” “INTEND,” “CONTINUE” OR “BELIEVE” TO THE NEGATIVES THEREOF OR OTHER VARIATIONS THEREON OR COMPARABLE TERMINOLOGY. DUE TO VARIOUS RISKS AND UNCERTAINTIES, ACTUAL EVENTS OR RESULTS FROM THE ACTUAL PERFORMANCE OF THE SECURITIES MAY DIFFER MATERIALLY FROM THOSE REFLECTED OR CONTEMPLATED IN SUCH FORWARD-LOOKING STATEMENTS.
© 2024 Defynance. All rights reserved.