For too long, access to financial tools has been determined by systems that overlook real people, real effort, and real progress.
At Consulytica, we believe your story is bigger than a traditional credit score.
That’s why we’ve partnered with FinCliq.
Together, we’re building a new system, one where progress creates opportunity.
A New Foundation: Community-Based Credit
Consulytica is pioneering a model of community-based credit.
Instead of relying solely on outdated financial metrics, our ProV 24:V3 model evaluates:
- Financial behavior
- Life stability
- Community engagement
- Responsibility
- Growth over time
This means actions like maintaining employment, staying consistent with your finances, participating in your community, and making forward progress all matter.
Because they should.
From Progress to Purchasing Power
Through our partnership with FinCliq, your progress doesn’t just improve a score, it unlocks real-world access.
As your Consulytica profile grows, you can gain access to:
- Pay Later options
- Structured installment plans
- Store credit opportunities
- Merchant-based financing
This is where innovation meets impact.
FinCliq connects your progress to a network of merchants, giving you the ability to access goods and services without relying on traditional credit systems.
Access That Grows With You
We’ve designed a system where opportunity expands alongside your progress:
- 0–250 → Foundational tools & limited access
- 250–400 → Small Pay Later approvals
- 400–600 → Structured installment plans
- 600+ → Store credit & expanded purchasing power
This isn’t about instant approval—it’s about earned access.
A system that grows with you, not against you.
More Than Credit: A Pathway to Stability
This partnership goes beyond transactions.
Through Consulytica’s program, individuals can:
- Build financial habits
- Strengthen stability
- Access education and guidance
- Participate in community-driven growth
Along the way, users may unlock microgrants and other forms of support designed to help them take the next step forward.
Every milestone matters. Every step counts.
Designed for the Underserved, and Built for the Future
Millions of people are overlooked by traditional credit systems:
- Individuals rebuilding their lives
- Immigrants establishing financial identity
- People with limited or no credit history
- Communities historically excluded from access
We’re changing that.
By combining Consulytica’s data innovation with FinCliq’s financial infrastructure, we are creating a system that is:
- More inclusive
- More accurate
- More human
The Bigger Vision
This is more than a partnership.
It’s the foundation of a new financial ecosystem, one where:
- Progress is measurable
- Opportunity is earned
- Access is equitable
We’re not just helping people navigate the system.
We’re building a better one.
Join the Movement
Whether you’re starting your journey, rebuilding, or looking for a better path forward, this system is being built with you in mind.
Your progress matters.
And now, it counts.
