About Us Consulytica
A new credit system built on community, behavior, and second chances.
A new credit system built on community, behavior, and second chances.
We’re more than a credit system we’re a community-driven approach to building financial futures.
Who Are We
Consulytica is a Black-owned nonprofit organization dedicated to expanding financial access and opportunity through a new, community-based approach to credit.
Founded by Kevin Gary, Consulytica was created to support individuals who have been overlooked by traditional systems, those rebuilding after financial setbacks, navigating credit invisibility, or simply seeking a better path forward.
We believe credit should reflect real life. Inspired by a time when trust and community played a central role in financial support, we are building a modern system that values behavior, consistency, and personal progress.
Through alternative and community-based data, such as everyday financial activity, employment, and participation we help individuals build meaningful credit profiles and take steps toward long-term stability.
With our alternative credit data, individuals can demonstrate their creditworthiness and unlock access to improved financial options, including auto financing, mortgages, store credit, business loans, and our proprietary Community Tradeline. Local grocers and other partners can access this consumer information, helping to bring back the supportive lending practices of the past.
But our work goes beyond credit.
Community Forward & Inclusivity
Our Mission & Core Values
Our Mission: To innovate a community-based credit system that empowers individuals to turn real-life progress into access, stability, and opportunity.
Community First: We believe strong communities create stronger financial futures. Everything we build is rooted in trust, support, and shared progress.
Second Chances: We believe everyone deserves the opportunity to rebuild, grow, and move forward, no matter their financial past.
Real-Life Credit: We believe credit should reflect real behavior, not just traditional history. Everyday actions matter.
Access & Opportunity: We are committed to expanding financial access and creating pathways to stability for underserved communities.
Education & Empowerment: We provide tools, guidance, and knowledge to help individuals take control of their financial future with confidence.
Innovation with Purpose: We use technology to create meaningful change, building solutions that serve people, not just systems.
Partnerships & Ecosystem
Powered by Partnership. Built for Impact.
Consulytica works alongside a growing network of partners to expand access to financial opportunity and support our community-driven credit model.
Financial & Lending Partners: We collaborate with financial institutions and mission-aligned lenders who recognize alternative and community-based credit, helping individuals access real opportunities over time.
FinCliq Platform Integration: Through our partnership with FinCliq, users can access flexible payment solutions and a wide network of participating merchants. This includes access to everyday goods and services, allowing users to build credit through real-world financial activity.
Community & Nonprofit Organizations: We partner with organizations that serve underserved communities, helping individuals build credit, improve financial habits, and access resources that support long-term stability.
Local Businesses & Service Providers: Our network includes merchants and service providers who offer opportunities for individuals to engage, transact, and build credit through everyday financial behavior.
Technology & Data Partners: We work with trusted technology providers to securely support data integration, insights, and platform functionality, ensuring a safe and effective user experience.
Founder Story
From Vision to Opportunity
Consulytica was founded by Kevin Gary, a Richmond, Virginia native with over 15 years of experience in human resources, workforce development, and systems-driven problem solving.
Through his work, Kevin saw firsthand how many individuals were denied opportunities, not because of their potential, but because of how traditional systems measure credit. He recognized a gap between real-life behavior and how financial trust is evaluated.
Combining his experience in people, systems, and innovation, including emerging technologies, Kevin set out to build a new approach that reflects how individuals actually live, work, and grow.
What began as a vision to rethink credit has grown into a nonprofit movement focused on second chances, financial education, and long-term stability.
Today, Consulytica is creating a new standard, one that values progress, recognizes potential, and expands access to opportunity for communities that have been overlooked for far too long.
Still have a question? Email us info@consulytica.com