Defynance Holdings, Inc.'s original offering opened on October 6, 2020 and was completed on January 29, 2021. Except for the Updates section which may contain more recent information, the information on this page was accurate as of January 29, 2021.
We pay off student loans with debt-free income share agreements (ISA). We also offer a resources marketplace with various career and other resources to optimize earning potential and improve quality of life.
The Defynance investment opportunity lets you get in on the ground floor of a unique student loan refinancing solution designed to help solve the student debt crisis and empower financial freedom for our customers, investors, and users.
Sadly, student debt today is pervasive. It has become a full blown crisis! Its negative impact reaches across the demographic, racial, and income spectrum.
Here are the big numbers:
Additional reading:
Defynance eliminates student debt and invests in the earning potential of our customers with our debt-free ISA student loan refinancing and investment platform, which has the following core offerings and benefits:
We plan to target the higher end of the student loan spectrum by refinancing Graduate PLUS, Parent PLUS, and private student loans.
The student loan refinancing market is largely untapped because existing lenders have:
Defynance is not a lender. We invest in the earning potential of our customers. We offer:
Our day to day team consists of engineers and business development staff all focused on one thing: freeing people from their student debt.
Farrukh is a seasoned financial executive, social entrepreneur, and innovator with 30 years of diverse professional background in product development, technology, marketing, sales, business development, operations, and social impact. He has a consistent leadership track record of achieving results by empowering staff, demanding organization wide accountability, and technology innovation.
The Defynance team is comprised of a diverse group of young professionals who are passionate about solving the student debt crisis. Coming from engineering, marketing, research, and business development backgrounds, the team brings a wide variety of skills necessary for the constantly pivoting nature of startup growth. They have successfully contributed to creating a unique debt-free income share agreement solution to tackle the student debt crisis and are constantly working to efficiently execute Defynance technology, operations, business development, and marketing strategies and tactical plans.
If the offering's maximum amount of $1,070,000 is raised:
| Use | Value | % of Proceeds |
|---|---|---|
| Management | $223,459 | 20.9% |
| BD & Marketing | $410,684 | 38.4% |
| IT & Systems | $80,852 | 7.6% |
| Product | $179,154 | 16.7% |
| Legal & Compliance | $59,619 | 5.6% |
| G&A | $44,801 | 4.2% |
| CF Marketing | $15,000 | 1.4% |
| CF Review | $1,500 | 0.1% |
| Net Capital Fixed Fees | $2,501 | 0.2% |
| Intermediary fees | $52,430 | 4.9% |
This number includes all funds raised by the Company in this round on Netcapital. This is an offering of Common Stock, under registration exemption 4(a)(6), in Defynance Holdings, Inc.. This offering must reach its target of at least $10,000 by its offering deadline of January 29, 2021 at 11:59pm ET. If this offering does not reach its target by the offering deadline, then your money will be refunded.
If the offering is successful at raising the maximum amount, then the company’s implied valuation after the offering (sometimes called its post-money valuation) will be:
These financial statements have been reviewed by an independent Certified Public Accountant.
The Offering Statement is a formal description of the company and this transaction. It’s filed with the SEC to comply with the requirements of exemption 4(a)(6) of the Securities Act of 1933.
Be sure to understand the risks of this type of investment. No regulatory body (not the SEC, not any state regulator) has passed upon the merits of or given its approval to the securities, the terms of the offering, or the accuracy or completeness of any offering materials or information posted herein. That’s typical for Regulation CF offerings like this one.
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The information contained herein includes forward-looking statements. These statements relate to future events or to future financial performance, and involve known and unknown risks, uncertainties, and other factors, that may cause actual results to be materially different from any future results, levels of activity, performance, or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements since they involve known and unknown risks, uncertainties, and other factors, which are, in some cases, beyond the company’s control and which could, and likely will, materially affect actual results, levels of activity, performance, or achievements. Any forward-looking statement reflects the current views with respect to future events and is subject to these and other risks, uncertainties, and assumptions relating to operations, results of operations, growth strategy, and liquidity. No obligation exists to publicly update or revise these forward-looking statements for any reason, or to update the reasons actual results could differ materially from those anticipated in these forward-looking statements, even if new information becomes available in the future.
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