Growing up, our CEO and Co-Founder, Dennis Cail, experienced the challenges of not being able to afford monthly bills. Whenever a service was about to be turned off, his family would decide which bills could be paid late in order to keep their basic services. This resulted in late fees and high-interest rates, creating a never-ending cycle. This inspired Dennis to create Zirtue and give a no-interest option to those struggling to pay their bills. Customers use Zirtue to borrow money from a friend or family member to pay their most important bills directly - giving them a hand up and ensuring everyone can meet their basic needs. Learn more about our “why” behind Zirtue’s Alternative Bill Pay Solution: https://bit.ly/3W5YRrN #Zirtue #ZirtueMe #ZirtueCard #FinTech #FinancialInclusion #Loan #Borrow #EconomicEmpowerment #Loans #Lending #Borrowing #Banking #DebtTech #Budget #Budgeting #FinancialFreedom #RelationshipBasedLending #FinancialLiteracy
Zirtue
Financial Services
Dallas, TX 2,034 followers
A relationship-based lending app aiming to drive financial inclusion one relationship at a time.
About us
We are creating a financially inclusive world by digitizing and mobilizing loans between friends and family. Zirtue offers the first relationship-based lending application that simplifies loans between friends, family and trusted relationships with an automatic loan repayment process. At Zirtue, we’re using fresh thinking and cutting-edge technology to make unsecured personal loans between friends, family and trusted relationships honest, secure, simple and accessible. The result is an exciting new approach to credit lending that has the potential to radically expand credit access and improve the lives of millions of consumers while increasing the profits of thousands of businesses, shaking up a multi-billion-dollar industry in the process.
- Website
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https://zirtue.page.link/R5TN
External link for Zirtue
- Industry
- Financial Services
- Company size
- 11-50 employees
- Headquarters
- Dallas, TX
- Type
- Privately Held
- Founded
- 2018
- Specialties
- Mobile App, FinTech, B2B, B2C, Lending, Borrowing, startup, social impact, black founder, Financial Inclusion, loan, social lending, alternative payment solution, alternative lending solution, alternative borrowing solution, Bank, debit card, peer-2-peer, p2p, and tech
Locations
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Primary
Dallas, TX 75201, US
Employees at Zirtue
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Dennis Cail II
Co-Founder & CEO at Zirtue | Board Member | Navy Veteran | EY Entrepreneur of the Year
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Heath Butler
VC at Mercury | Educating, Empowering & Enabling Entrepreneurs and Investors
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Samantha Lewis
VC at Mercury | Kauffman Fellow | Software, Digital Assets and Fintech
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Airion W.
Product @ Zirtue
Updates
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The cost of living is reshaping how young adults live—and it’s impacting businesses too. With increased financial pressure, young consumers are seeking flexible payment options, and businesses must adapt. By offering Zirtue Pay, your business can provide customers with a secure way to access financial help from loved ones, easing expenses while ensuring payments for your business. It’s more than a payment method—it builds trust, loyalty, and value when it’s needed most. Learn how Zirtue Pay can transform your business today: https://lnkd.in/gx7Wx5_E #ZirtuePay #Fintech #DebtTech #FinancialInclusion
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At Zirtue, we're redefining what financial empowerment looks like—one transaction at a time. Our Co-founder and CEO, Dennis C., envisions a ripple effect where borrowers don’t just overcome challenges but evolve into lenders, fostering a growing cycle of financial equity and inclusion. His powerful vision? “I’ll consider Zirtue a success when 20% of our borrowers become lenders.”
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When customers face financial obstacles, solutions rooted in trust can make all the difference. With Zirtue Pay, businesses can provide their customers with an innovative option—structured financial support from someone they know and trust. Whether it’s covering medical bills, rent, or other necessities, Zirtue Pay empowers individuals to lean on their loved ones while maintaining transparency and accountability. Integrating Zirtue Pay isn’t just about offering flexible payment solutions—it’s about enhancing customer loyalty, fostering trust, and driving meaningful financial inclusion. #DebtTech #Fintech #FinancialSupport #ZirtuePay #FinancialInclusion
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Help your customers keep the lights on this holiday season. 💡 With Zirtue Pay, you can make it easier for your customers' loved ones to lend a hand when it matters most. Funds are sent directly to the billing company, ensuring fast and secure support. 🎁 Learn more about Zirtue Pay today: https://bit.ly/3IaDn5w #FinTech #BillPay #DebtTech #FinancialInclusion
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47% of U.S. consumers are still carrying debt from last holiday season—a clear sign that traditional payment methods can leave customers struggling long after the celebrations have ended. Zirtue Pay offers a smarter solution. By allowing businesses to integrate our relationship-based lending platform, you can empower your customers with secure, structured payment options that reduce reliance on high-interest credit and promote financial wellness. The result? Greater customer satisfaction, loyalty, and trust in your brand. #CustomerExperience #FinancialInclusion #FinTech #DebtTech
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Zirtue Co-founder and CEO, Dennis Cail II, was recently honored with the prestigious Future Texas Legend Veteran Award from the Texas Business Hall of Fame! This recognition celebrates Dennis's outstanding leadership, vision, and dedication—not only as a veteran but as a trailblazer in creating innovative solutions that drive financial inclusion through Zirtue. Dennis’s unwavering commitment to empowering individuals and fostering positive change embodies the spirit of this award. His leadership continues to inspire our team and the communities we serve. Please join us in congratulating Dennis on this well-deserved achievement! 🎉 #Leadership #FinTech #DebtTech
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A look at Zirtue’s 2024 impact in numbers ⬇️
How Zirtue plays a pivotal role in supporting individuals during tough times In today's economic climate, families are grappling with the challenges of inflation, facing increased costs for essentials like groceries, rent, and daily necessities. These financial strains are stretching household budgets, but Zirtue emerges as a beacon of hope. As I reflect on our data this year, it reminds me of the vital role Zirtue plays in our communities. As an innovative leader in personal loans, we facilitate financial support among friends, family, and peers. Users rely on us for prompt assistance, and it's clear that Zirtue plays a pivotal role in supporting individuals during tough times by offering a user-friendly platform for structured loans. Here are our 2024 key insights that demonstrate Zirtue’s impact: 🔹 48% of users turn to Zirtue for food and emergency funds, underscoring its essential role in meeting basic needs. 🔹 12% rely on it for rent payments, which helps avoid late fees and ensures housing stability. 🔹 10% use it for credit card payments, maintaining their credit scores. These statistics align with a Bank of America report (link in comments) revealing that 46% of Gen Zers depend on family for financial help underscoring the crucial role platforms like Zirtue play in fostering financial independence and offering secure, structured solutions to ease the burden of debt. As Zirtue grows, we are dedicated to offering stability and hope, empowering individuals to confidently tackle financial challenges. Our commitment to transparency, accountability, and fostering relationships position us as innovators in the fintech industry. #FinancialLiteracy #DebtTech #FinancialInclusion #Zirtue #FinancialFreedom #Fintech
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By giving customers an alternative bill payment solution like Zirtue Pay, you not only build brand trust and promote inclusivity but also support customers who are often overlooked and underserved. Get in the spirit of generosity by partnering with Zirtue today: https://bit.ly/3IaDn5w #FinTech #BillPay #DebtTech #FinancialInclusion