Lending that gets cheaper as you prove yourself.
We're building an installment loan with one idea at its core: as you pay down principal, your rate steps down with you. No applications for a better rate. No begging. Progress you can see.
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One update a month while we work toward launch. No spam. Unsubscribe anytime.
Velocity: Acquired.
You're on the build list — one update a month while we work toward launch. Thanks for climbing with us.
Steps down as you repay
The design goal: every 10% of principal repaid steps your rate down — a built-in feature of the loan itself, not a promotion you chase.
A hard month pauses you — it shouldn't punish you
We're designing for real life: a missed payment pauses your progress instead of erasing it, and a hardship pause is built in from day one.
Licensing before lending
We're a pre-launch company doing this the right way: our California lending license application is in progress, and we won't make offers until regulators say go.
Why we're doing this
The short version: the incentives are broken, and we think a loan can fix them.
Most consumer lending runs on a quiet conflict: the longer you take to pay, the more the lender makes. Every minimum payment, every deferred payoff, every extra year on the treadmill is revenue. Nobody has to be a villain — the incentive does the work all by itself.
Our founder spent two decades in the skilled trades — arborist, then IBEW Local 1245 — around people who earn well, work brutal hours, and still get priced like risks, because a three-digit score describes who they were years ago instead of who they're becoming.
VelociFi is one structural fix: make the loan get cheaper as it gets repaid, so the borrower's win and the lender's win finally point the same direction. Faster payoff, lower cost, capital recycled to the next person climbing. That's the whole thesis.
Revolving debt was designed to revolve — minimums keep people on the treadmill for decades, and the lender profits when you're stuck. We're building the opposite: a loan that wants to be paid off.
The treadmill, in numbers
Your cards, your math. Enter your own balance, your own rate, your own payment — this tool computes only what you type. No VelociFi numbers appear here; we don't publish terms before we're licensed.
Who's building this
Small team, long fuse, compliance-first.
Shawn McIntyre
Former professional arborist and IBEW Local 1245 tradesman. Two decades of skilled, dangerous work alongside exactly the people this product is for — and the lived experience of being scored on the past instead of the present.
Josh Hachadourian
Twenty-plus years as a fintech executive, building and operating lending businesses across the full cycle — origination, servicing, and capital. The half of the partnership that keeps the engine bankable.
Compliance in the room
VelociFi works with consumer-finance counsel and fractional compliance leadership as part of the founding build — not a post-launch retrofit. Licensing before lending isn't a slogan here; it's the build order.
The build log
What's actually happening, as it happens. This list grows with each update we send.
- JUL '26California lending license application in progress · public site rebuilt compliance-first · privacy policy posted · interactive product demo shipped to accelerator reviewers
- JUN '26Pricing architecture locked internally · 50-state regulatory roadmap delivered by counsel · brand system finalized
- SPRING '26VelociFi, Inc. formed (Delaware) · first pre-seed backing secured · Step-Down Engine™ design established
- NEXTAccelerator applications · demo hardening · license pipeline · partner conversations
Straight answers
The questions we'd ask a pre-launch lender, answered the way we'd want them answered.
Is VelociFi a lender today?
No. We're a pre-launch company. Our California Financing Law license application is in progress, and until regulators say go, we don't make offers, take applications, or quote terms — on this site or anywhere else.
Why are there no rates on this site?
Because we're not licensed yet, and publishing rates before then isn't how we operate. When we launch, our first loan terms will be disclosed the legal way — clearly, completely, and in writing before anyone signs anything. If a pre-launch lender is quoting you rates today, ask them why.
What exactly are you building?
An installment loan designed around one idea: as you pay down principal, your rate steps down with you — a built-in feature of the loan, not a promotion you have to chase. The design goal is a loan that rewards momentum. Final mechanics are subject to licensure and regulatory review.
When do you launch?
When the license work is done — we're not promising a date we can't stand behind. The waitlist hears first, and the build log above stays honest in the meantime.
What do you do with my email?
One build update a month, roughly. No spam, no selling your information, unsubscribe anytime. The details live in our Privacy Policy.
Who's behind this?
A founder from the trades and a twenty-year fintech operator, with compliance counsel in the room from the start. The longer version is right above, in Who's building this.