Measuring the freedom people have to adapt, not just the debt they've carried
Pivot Scores measure and communicate a person's financial ability to pivot when life changes happen.
Credit scores only track how consumers handle borrowed money, ignoring the savings, protections, and support systems that determine real financial resilience. As a result, institutions and employers operate with a narrow view of their customers' stability.
Pivot captures a holistic picture of financial agility. Combining cash flow, liquidity, protections, and obligations, it delivers a dynamic score that signals how confidently someone can pivot when life changes happen.
The score gives lenders sharper underwriting, empowers employers to tailor benefits, and guides households toward the next best move for long-term security.
In a consumer finance market where more than $4T in credit is priced on incomplete data, Pivot introduces a new standard for inclusive, responsible growth.
Pivot builds a dynamic financial ability graph for every person, transforming complex inputs into a score and guidance that are easy to understand and act on.
Our approach is straightforward – we invest in founders with the grit to tackle complex problems and the vision to redefine their industries. We provide the expertise, connections, and hands-on support needed to turn bold ideas into impactful businesses.
Related: PAR level and our investment philosophy.