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
Growing up in Richmond, Virginia, Kevin Gary watched his mom walk into a grocery store without enough money to cover everything in her cart. The store let her take it anyway, not because of a credit score, but because they knew her face, trusted her history, and understood she was part of the community.
That was a credit system. It just wasn't written down anywhere. That moment never left him.
With over 15 years of experience in human resources, workforce development, and systems-driven problem solving, Kevin spent his career watching the same pattern repeat itself people doing everything right, showing up, paying what they could, building real lives, and still being told no by financial systems that had no way to see any of it.
He recognized the gap wasn't a flaw in the people. It was a flaw in the infrastructure. So he built new infrastructure.
Consulytica is a 501(c)(3) nonprofit fintech organization creating a first-of-its-kind credit scoring system, the ProV 24:V3 Score, that measures real-world financial behavior, not just credit history. Employment. On-time payments. Program participation. Community engagement. The things that actually reflect who someone is and how they manage their life.
Alongside Consulytica, Kevin founded FinCliq, a Buy Now Pay Later platform that gives members real purchasing power while their financial identity gets built, creating a closed-loop ecosystem where live transaction data feeds the scoring model and scores inform lending decisions in real time.
Together, these platforms serve the estimated 45 million Americans who are credit invisible, not because they're irresponsible, but because the system was never built to see them.
What began as a childhood memory in a Richmond grocery store has grown into a nonprofit movement built on a simple belief: opportunity shouldn't be limited to people who already have access to it.
Consulytica is building the system that changes that.
Still have a question? Email us info@consulytica.com