Exhibit Articles for sentencing purposes — USA v. Keough (Dkt. 54-1, S.D. Fla. No. 9:23-mj-08393, docketed in No. 9:23-cr-80154)

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U.S. District Court for the Southern District of Florida · No. 9:23-cr-80154-DMM · Doc. 54-1 · 2024-02-06 · Docket on CourtListener

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Subscribe to newsletters 
Sign I
n 
Three men and a Web idea 
Zina Moukheiber 
Former Contributor 
May 17, 1999,12:00am EDT 
A VENTURE CAPITALIST stops at Gregory Keough's booth during the Mid- 
Atlantic Venture Fair in Philadelphia -- an annual meat market for money- 
hungry entrepreneurs. He stares at a computer screen, looking stumped. 
Keough's Web site is in Spanish, and the VC can't read a word. "We're Zona 
Financiera," Greg says, rolling his "r" in perfect Spanish. "The on-line financial 
services provider to Latin America." The financier sizes him up: 32-year-old 
Keough is about as Latino-looking as Matt Damon. "How the hell did a gringo 
like you get involved with a thing like this?" the VC wants to know. 
Greg clears his throat and drops a small bombshell: He was an officer in the 
Central Intelligence Agency in Latin America during the early 1990s. "I'm 
afraid I can't say more," he teases. A line in his rsum reads intriguingly: "Acted 
as contact between the U.S. and rebel forces and extreme right-wing political 
factions." Those dangerous liaisons, he claims, earned him the agency's 
highest award, the Intelligence Star. 
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The financier is curious, but he shakes his head. "Don't know much about 
those [Latin American] cultures," he confesses. Greg sighs as the visitor 
departs, "This is harder than I thought." 
It's a damp day in mid-November 1998. Greg and his brothers Jonathan, 27, 
and Timothy, 25, are among 98 entrepreneurs in Philly's convention center. 
They're all vying for the eye of potential investors, who mill about the booths 
like traders in a Middle Eastern bazaar. For the Keoughs, it's a stop on a 15-
month journey to find startup capital. 
The idea is to offer a place where Spanish- and Portuguese-speaking denizens 
of the Net -- 10 million and counting -- can comparison-shop for a mortgage, a 
car loan or insurance, as well as check stock quots and financial news. Latin 
America's total loan volume outstanding, Keough claims, is more than $1 
trillion, none of it transacted on-line. (In the U.S. less than 1% of loans are 
done that way.) Keough aims to collect a flat fee of $10 on loan leads to banks, 
and a 0.25% cut if the borrower applies on-line. To participate, banks like 
BankBoston (Zona's only customer so far) pay a $5,000 fee per country. 
Keough is nearly hoarse from reciting his spiel to mildly interested passersby. 
It's the siren song of every entrepreneur in need of cash: 
confident, upbeat, masking desperation. The money hunt is an exhausting test 
of persuasion and raw staying power. Keough is looking for $1 million, mainly 
to attract management. 
He has already hit a wall. Before Zona, Greg and his brothers sank $200,000 
of their savings into a loan-quoting engine for U.S. home buyers. But they 
were slow to forge ties with portals to promote their Loan Locator and got 
bumped by Intuit, which shelled out $30 million in part to be America 
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Online's loan channel. "You can have a Web site that turns lead into gold," 
muses Keough. "But if people don't know you're there, you're out of business." 
Not a total loss: The Keoughs ended up licensing the loan-quoting technology 
for $600,000 to a couple of financial services firms, and plowed two-thirds of 
the proceeds into Zona in December 1997. Jonathan (who managed AOL 
Canada's Web site) and Tim (who helped develop Intuit's site) created the 
technology. They set up shop in the tight storage room of their parents' home 
in Potomac, Md. and hooked up a T-1 line. 
But just try to interest a venture capitalist. "Come back when you get 
financing," one investor told Keough. Just the day before the fair, they'd 
driven 13 hours from Charleston, S.C., where Keough gave a presentation to a 
group of uninspired VCs. 
Now he has to do it all over again in front of a hundred potential investors 
busy digesting a three-course lunch. Behind him, in big letters, "Financiera" is 
misspelled. Keough ignores it and cracks a joke: "Getting money from this 
crowd would be like getting an award from the CIA." A few titters. Keough 
effortlessly rattles off his pitch, coming in at seven minutes -- three minutes 
less than his allotted time. 
The audience appreciates brevity; it has to listen to 49 other presenters. 
Afterward Michael Faber approaches Keough. "What impresses me is when an 
entrepreneur speaks clearly and passionately," he says. Faber manages a $10 
million fund in Washington, D.C. that invests in Internet start- 
ups. He hands Keough his business card. Discreetly, Keough scribbles an "8" 
on the back. It's his rating system for gauging the level of investor interest on a 
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scale of 0 to 10. "Nobody's going to remember who said what at the end of the 
day," he says, his blue eyes showing fatigue. 
It's 5:30, time for his appointment with Karen Griffith Gryga, a partner with 
Philadelphia-based Liberty Advisors. Arriving ten minutes late, Griffith Gryga 
creates a small sensation when she shows up at Zona's booth -- long, platinum 
blonde hair cascading over the faux leopard fur collar of her dress, diamond 
studs the size of peas poking through her ears. Zona caught the eye of the 33-
year-old venture capitalist at a similar venture fair in Virginia last September. 
"I'm guilty," she confesses, settling into a chair. "I read your business plan. So, 
what's your lesson with the Loan Locator?" 
Distribution deals are key, Keough answers quickly. It's also important to be 
first. Amazon, for instance, was successful because it got in when Internet real 
estate was cheap. Zona has that opportunity now in Latin America, land of 
500 million potentially wired souls, where the Internet landscape is still 
virgin. "Only 2% of all Web sites are in Spanish or Portuguese," he notes. 
"The big kicker is going to be StarMedia," Keough says, referring to the portal 
that's shaping up as the Yahoo of Latin America. StarMedia has raised a total 
of $80 million in private placement funding. Zona just inked a deal to be the 
provider of financial news, real estate listings and loan rates on StarMedia's 
money page. Greg plays the relationship to the hilt. 
But Griffith Gryga isn't biting. Keough never hears from her again. 
"You have to understand what's going on in these countries, and I don't," she 
later explains. 
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Mike Faber, who rated an "8" on the business card, calls the next day. So does 
Stephen Walker, an investor from Glenwood, Md., whom Greg met in October. 
Walker sold his network security company to Network Associates, and is now 
looking to play angel. "I wasn't sure what [Zona] 
was all about, but Greg sounded so good at what he was doing, and he was 
creating something that nobody had done before," recalls Walker. "I thought, 
'Let's throw some money at these guys.'" 
Meantime, Keough is trying to add luster to Zona by getting former vice 
presidential contender Jack Kemp to chair its advisory board. 
Keough approaches a family friend who knows Kemp, and can put in a good 
word. 
At their first meeting in Kemp's downtown D.C. office, an excited Keough 
expounds on his plans to partner with local media powerhouses. He points out 
that Chile's La Tercera and Venezuela's El Universal are already providing 
local financial news. Kemp listens intently. He speaks a smattering of Spanish 
(his mother taught the language in Los Angeles) 
and, as an early supporter of NAFTA, knows Latin America well. He's also 
friendly with Argentina's former Finance Minister Domingo Cavallo and Pedro 
Aspe, former finance minister of Mexico. Kemp, who sits on the boards of 
Oracle and Proxicom, a Web-site design company, is especially impressed with 
Keough. "He's a go-getter," he says. 
But in early December two offers to buy Zona take Keough by surprise. 
Portal companies he won't name are dangling between $4 million and $8 
million. It's tempting. Should he sell out? Keough pays a call on Walker, 
looking for advice. "Steve, you started out in a basement like us, what would 
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you do?" he implores. "My advice is either focus on growing the company -- or 
selling it, but don't dilly-dally," replies Walker, who's still thinking of 
investing, but doesn't want Keough to take his money just to tide him over 
until he sells. 
Thoroughly conflicted, Keough stalls for a month, wondering what to do. Then 
it hits him: "Heck, if those people are interested in us, and think we're worth 
that much now, we must be doing something right." Why sell out for less now 
when there was a good chance to get a lot more money down the road? 
By Christmas things start to come together. Walker and Faber eventually chip 
in a total of $350,000 -- and Walker provides entre to Capital Investors, a 
blue-ribbon group of angels in Washington, D.C. 
that includes AOL's Stephen Case, John Sidgmore, vice chairman of MCI 
WorldCom, and William Melton, chief executive of Cybercash. Each has 
thrown at least $100,000 into a pot for seed investments. Keough will make 
his case before the club on Jan. 11. 
That night he gets behind the wheel of his blue BMW 318is. "Guys, don't forget 
to bring business cards!" Greg hollers to Jonathan and Tim, slipping in a tape 
of Ricardo Arjona, the Guatemalan Springsteen. After a quick supper at a 
tapas bar, they head to D.C. Coast, a swank downtown restaurant. There, 
Walker ushers them into a private dining room downstairs, where 12 members 
of Capital Investors are still polishing off their chocolate cake and crme brle. 
Dressed in khakis and blue, button-down shirts, the Keoughs take a seat. If 
Greg is nervous, he doesn't show it as he begins a 20-minute presentation. 
After only a couple of minutes, the questions start coming. "What's the status 
of ISPs?" asks John Burton, former chief executive of Legent Corp., a data 
software company that's now part of Computer Associates. 
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Phone service is often more expensive in Latin America, but Keough parries, 
"The good news is that people who want to monitor their finances have 
money." 
"[Gustavo] Cisneros has some pretty strong views about dominating the 
Internet in Latin America," says veteran angel David Gladstone. "Where do 
you think you'll end up?" 
"It's the best company to partner with," replies Keough, without mentioning 
he's had talks with the Venezuelan media mogul's company. 
That's because he's gotten nowhere yet. He quickly continues: "The great 
advantage is that companies like Yahoo and AOL don't want to build from 
scratch. We can go and say, 'Hey, do you want a turnkey solution to a really 
good finance channel?' 
"We're ultraparanoid," he concludes. "We want to move as quickly as possible 
to build this thing up. We have a good opportunity to control on-line finance 
in Latin America." 
After the brothers leave, the angels decide to put in $500,000, in return for 
one-quarter of Zona. 
"Hey, heard it went pretty well," says Kemp in a phone call the next day. But 
Keough isn't happy. Capital Investors' offer values his company at a paltry $2 
million. Counters Jeffrey Tonkel, president of Capital Investors, "You had 
three brothers in a basement with a T-1 line who'd made some progress in 
making contacts -- how do you value that?" 
Over the phone two weeks later, Keough offers Tonkel the terms of a 
convertible note -- a $500,000 loan with an option to convert at a discount at 
the next round of funding. He wants Zona valued at no less than $5 million. 
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The haggling goes on for more than a month. Tonkel hates convertibles. "It's 
an awful, awful security," he says. "What it really does is drive up the valuation 
for the early investors." 
In March he finally agrees to Keough's demands, but caps Zona's valuation at 
$3.5 million. He offers $300,000 for notes convertible at 50% of the next 
financing, giving Capital, Walker and Faber a total 18.5% stake in Zona. 
Keough is $350,000 shy of his original goal of $1 million. But he now has a 
team of heavy hitters -- and has gotten over the first big hump. The brothers 
finally move into an office in Falls Church, Va., in the heart of a Latin 
American neighborhood. In April Keough signs on with Microsoft to provide 
financial news for MSN Latin America, and is discussing deals with potential 
bank sponsors, including Citigroup. 
Now for the tough part. Greg has spent the past several weeks on the road, 
opening offices in Mexico City, Buenos Aires, Santiago, Bogot and So Paulo, 
and hiring country managers to beef up Zona's content -- and to sign up more 
sponsors. Now he has to hit the VC circuit once again for a second round of 
financing. This time he's hoping to raise $7 million. If Wall Street's infatuation 
with the Web continues, he can get it. But it might end. One day in mid-April 
Amazon was off 31 points. 
Most executives just have to worry about the competition. The Keoughs also 
have to worry about whether they can get desperately needed capital before 
the bottom falls out. 
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Zina Moukheiber 
I initiated regular coverage of the biotech industry at Forbes, and wrote many 
of the early stories on genomics, personalized medicine, 
 
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In Profile 
Name: AperServ Technologies Inc. 
Location: Vienna 
Big idea: Software and services that help companies monitor computer systems for potential glitches. 
Launch date: Founded in March, the company's products will be officially launched and available to 
clients today. 
Who's in charge: Gregory S. Keough, 34, founder and chief executive; Timothy B. Keough, 28, 
founder and chief technology officer. 
Previous jobs: The Keough founded Virtual Loan Corp., an online mortgage firm, and then 
ZonaFinanciera.com, a personal-finance Web site for Spanish and Portuguese speakers. Before 
striking out on their own, Gregory Keough was an operations officer with the CIA, and Timothy 
Keough was an analyst with Andersen Consulting (since renamed Accenture Ltd.). 
Big name advisers: James J. Condon, the former chief executive of bankrupt CyberCash Inc. and 
entrepreneur in residence at Updata Venture Capital; Gina Dubbe, managing partner at Walker 
Ventures; Ed Horowitz, former chairman of e-Citi, an Internet-focused unit of Citigroup Inc. 
Funding: In March the company landed $1.4 million in venture capital from Lycos Ventures, Walker 
Ventures and the Maryland Angels Council. 
Employees: 17 
High-profile clients testing the service: The National Geographic Society, Discovery Communications 
and Lycos. 
Slogan: Someone watching out for you. 
Company culture: Familiarity. Each of the employees has worked with at least one other employee at 
a previous job. 
Lesson learned: Efficiency is key. The firm is maintaining a lean budget; the employees sit on $5 
chairs. They're fine chairs, said Gregory Keough, just a little used. 
Entrepreneurial roots: Each of the Keough brothers (There are four.) paid his own way through 
college. "We were always selling weird things and getting into lawn [care] businesses," Gregory 
Keough said. 
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Meaning of the company name: AperServ is short for "a perfect service." 
https://www.washingtonpost.com/archive/business/2001/07/23/in-
profile/ff2afb70-d6d5-456a-a3cf-613c6b408434/  
  
 
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RegaloCard Changes Its Mobile Funds-
Transfer Process 
March 16, 2010, 3:13 p.m. EDT2 Min Read 
RegaloCard, a fledging mobile-payments company that soon plans a nationwide rollout in the United 
States, has changed how consumers send funds transfers using its free product.
 
Under the new system, senders purchase a merchant’s prepaid card and scratch off an area on the back 
of it to reveal a PIN. The buyer then calls a toll-free number and enters the PIN and the recipient’s 
mobile number. The recipient receives an instant text message that contains a redemption PIN to use to 
access and use the funds at the specified retailer. 
The recipient receives a text message instantly that contains a redemption PIN so he can use the funds at 
a participating retailer. To complete a transaction, the cashier enters the recipient’s mobile-phone 
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number into a dedicated terminal. The recipient then enters the PIN to access the funds. That process 
remains unchanged. 
The previous system required senders to purchase a prepaid gift card in the United States for a specific 
retailer in Central America. When the consumer bought the card, he told the cashier the recipient’s name 
and cell-phone number, which the cashier entered into RegaloCard’s back-end system using software 
integrated into the point-of-sale system. The cashier then gave the sender a “unique code” that served as 
a tracking number for the transaction. 
RegaloCard believes the new method will help the company attract more interest in the service, 
according to Gregory Keough, chairman and CEO of the Miami-based company. The system works with 
any cellular carrier and phone. 
The company’s distribution network is scattered across the United States, but consumers may purchase 
cards at locations that also sell prepaid phone cards, such as convenience stores in parts of New York, 
California and Nevada. RegaloCard plans to announce additional distributors in the next couple of 
weeks, Keough says. 
During a seven-month trial that began last summer, consumers suggested the new system to 
RegaloCard. It was a process the company had on the backburner because it resembled the way 
consumers bought prepaid calling cards, Keough says. 
“We wanted to stay as close as possible to normal consumer behavior,” he adds. 
RegaloCard continues to grow its retail network in Central America. At least eight retailers accept 
RegaloCard in El Salvador. In Guatemala, department store chain Cemaco also accepts RegaloCard 
payments. The chain has 10 locations that sell household goods, such as furniture and kitchen 
appliances. 
Locations in El Salvador include Burger King and Chili’s Bar & Grill. 
Keough believes RegaloCard has created a market for a funds-transfer option that previously was 
unavailable. The company has dubbed it the “micro-money transfer.” Consumers can send as little as 
$10, but RegaloCard may reduce the amount to $5. RegaloCard receives a percentage of the funds loaded 
into the card accounts from each participating retailer. 
“We’re fundamentally changing a very large business in money transfers, but at the end of the day our 
business concept is simple and easy to understand,” Keough told PaymentsSource in January. 
 
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A 
s the CEO of a joint venture between 
MasterCard and Telefónica, Gregory 
Keough would often head over to his 
Florida farm to relax after a hard 
day‟s work 
and check up 
on his 25-acres 
of chipilin 
bushes, a 
wild herb pri-
marily used in 
tamales.  
One afternoon, 
one his em-
ployees rushed 
over to him, 
breathlessly 
asking to bor-
row $1,750 to 
pay off a loan 
that had more 
than 300 per-
cent interest.  
That was the 
day that com-
pletely altered 
Keough‟s life.  
He discovered 
a $138 billion-
dollar U.S. 
crisis -- and its 
victims are 
many hard-
working 
Americans facing a temporary cash shortage. 
He also discovered that almost 50 percent of the 
U.S. population can‟t cover a $400 emergency 
expense without borrowing money or selling 
something. 
“These folks are among the 70 million Ameri-
cans outside of the financial system who end up 
spending $138 billion in fees and interest annu-
ally on emergency-loan services like auto-title 
lenders,” 
Keough says. 
So, in response 
to this crisis, he 
created Finova 
Financial, a so-
cially-conscious 
online company 
geared to help 
save this seg-
ment of the pop-
ulation from 
falling deeper 
into poverty and 
debt.  
Welcome to the 
new era of af-
fordable emer-
gency loans of 
$500 or more.  
The platform has 
become an over-
night sensation – 
so much so that 
Finova was 
named to the 
World‟s 100 
Leading Finan-
cial Technology 
Innovators. It 
also captured “Game Changer of the Year” by 
ACQ5 Global, which celebrates the achieve-
ment and innovation of organizations and indi-
viduals who have a significant impact in their 
industry and represent the benchmark of 
Financial Innovations 
California Business Journal / March 2017  / www.calbizjournal.com 
Problem Solver 
When Gregory Keough discovered that almost 50 percent of the 
U.S. population can’t cover a $400 emergency expense without 
borrowing money or selling something, he didn’t wait for the 
next person to do something about it. He did it himself.  
By Rick Weinberg, California 
Business Journal 
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achievement, professionalism and best practic-
es.  
Additionally, Keough, a recipient of the Central 
Intelligence Agency's Intelligence Star Medal 
for extraordinary courage in the line of duty, 
was a finalist in Ernst and Young's Entrepre-
neur of the Year Awards Program, as well as 
Washington's Top Technology and Internation-
al Leaders and Latin America‟s Top Banker of 
the Year.   
“There‟s a lot of people living paycheck-to-
paycheck and they‟re the ones who are hit the 
hardest when faced with a financial emergen-
cy,” Keough says. “I wanted to find a way to 
help these people get back to better financial 
health and provide a more fair and affordable 
option.” T 
raditional terms are structured to basi-
cally punish consumers, virtually 
guaranteeing that it will take, on aver-
age, eight months to repay even a “30-
day” loan.  
“And the fees and interest far outstrip the origi-
nal loan amount,” Keough says. “By the time 
my employee asked me for the $1,750, he was 
already eight months into it – he made eight 
interest-only payments and still owed the origi-
nal $1,750.”  
The people who have no option but to sign off 
on these kinds of emergency loans can least 
afford to pay such astronomical rates, yet the 
industry took advantage of them and created a 
vicious cycle of financial need and indebted-
ness.  
“When I saw what was going on and how it af-
fected my employee and others like him, I 
thought, „There has to be a better way. Let‟s 
forget about how it works now and let‟s think 
about how it could work.‟” 
Finova‟s loans cost up to 70% less than the cur-
rent national average, providing instant access 
to capital, and a 12-month repayment pathway 
back to financial health. The industry-first, all-
web loan model utilizes an individual‟s car as 
collateral for the loan. 
Finova just unveiled its platform in California, 
where eight percent of the population are 
“unbanked and historically lacking access to 
affordable credit,” Keough says. “The average 
borrower will pay more in fees and penalties 
than the original principal borrowed. It‟s dis-
graceful and it had to change.” 
 
Copyright © 2017 California Business Jour-
nal. All Rights Reserved. 
Financial Innovations 
California Business Journal / March 2017  / www.calbizjournal.com 
Finova Financial 
4521 PGA Blvd. Suite 226 
Palm Beach Gardens, Fla. 33418 
844-576-0862 
FinovaFinancial.com 
The Finova Team:  (L to R) Juan Ramirez, CFO; Gregory Keough, 
CEO; co-founder Derek Acree, COO; Alfredo Rosing, CMO. 
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FINANCE MONTHLY FINTECH AWARDS 2018
41
ABOUT
GREGORY KEOUGH
LENDING INNOVATION
FIRM OF THE YEAR
Gregory Keough is co-founder and CEO of 
social impact/Fintech 100 List startup Finova 
Financial, which has earned consumer 
protection agency endorsement and was 
named Lending Innovation Firm of the Year/
USA by Finance Monthly.
Mr. Keough has been extremely successful 
over the past 25 years in building world-class 
companies that use innovative technology 
to expand cost-effective financial services 
to consumers in the US and globally. His 
knowledge of technology, financial services, 
and 
in 
particular, 
increasing 
financial 
inclusion for the unbanked were the basis for 
forming Finova. 
Before joining Finova, Mr. Keough was the 
CEO of MFS (Mobile Financial Services, 
based in Miami) a joint venture created 
by MasterCard and Telefonica to develop 
mobile financial solutions that accelerate 
financial inclusion for customers in 12 
countries in Latin America.  Prior to that he 
was the Founder and CEO of RegaloCard, 
where he developed a global mobile 
payments company that offered a free 
and instant replacement to costly money 
transfer services. 
One of the few living recipients of the Central 
Intelligence Agency’s (CIA’s) Intelligence 
Star Medal for extraordinary courage in the 
line of duty, Keough was a finalist for Ernst 
and Young’s Entrepreneur of the Year and 
recognized as Washington’s Top Technology 
and International Leaders, Latin America 
Top Banker of the Year, and others. He is a 
graduate of Syracuse University and Harvard 
University’s Strategic Leadership in Inclusive 
Finance Program.
The Finova Financial socially responsible and 
affordable lending model is designed to help 
borrowers with the cash they need now while 
also helping them establish better credit for 
future financial success.
Finova Financial was founded in 2015 in response 
to the problem of predatory lending: There’s a 
“poverty penalty” for 70 million Americans who 
are unbanked or underbanked, 26 million who 
are “credit invisible,” and can’t come up with 
quick cash for an emergency expense. 
The underserved consumer base has been 
growing at 9% per year since 2011. One in 10 
adults do not have any credit history with a 
nationwide consumer reporting agency, making 
acquiring credit extremely difficult. Yet half of all 
Americans report that they could not come up 
with $600 for an emergency expense without 
selling something or getting a loan.
This has created a very vulnerable segment of the 
American population whose disenfranchisement 
and misfortune is being preyed upon by an 
unscrupulous emergency lending industry that 
offers short-term payday and auto title loans at 
sky-high prices that create deliberate debt traps. 
These loans are sold as 30-day or 60-day loans, 
but structured in such a way that they actually 
take, on average, 8 months to fully repay and 
the borrower ends up paying more than double 
the amount of the loan in interest and fees. The 
average interest rate on these loans is 300% but 
can run as high as 1,000%.
Finova believes that hardworking Americans 
don’t deserve to get caught in these debt traps 
that only create more financial emergencies 
and hardship, so it created the industry’s first 
online and mobile auto title lending platform. 
Finova’s Car Equity Line of Credit (C-LOC) offers:
•	 Interest rates maxed out at 30% APR—as 
opposed to the industry average of 300%. 
•	 12-month repayment plan, which is unique 
in the title lending industry. Most emergency 
loans are structured for repayment in 30 or 60 
days, which is not much time to recover from a 
financial emergency. 
•	 10-day grace period on payments, with no 
penalty fees. 
•	 A portion of every payment goes to the 
principal, so there’s no way a borrower can be 
8 months into repaying their loan and still be 
paying only the interest. 
•	 Application and approval 24/7 online and via 
smart phone, so borrowers don’t have to take 
time off work and travel to a storefront lender 
where it may take hours to get approved. 
•	 Payments can be made online, via smart 
phone, or at 32,000 MoneyGram retail locations 
like CVS, Walmart, and Dollar General. 
•	 Borrowers can monitor and manage their loan 
online. 
•	 Reporting to major credit bureaus, so borrowers 
are establishing credit while repaying their loans. 
•	 Ongoing line of credit when needed in the 
future after successful repayment of the original 
loan.
Because of its lending platform designed with 
the goal of helping consumers, Finova has been 
named to the Fintech 100 List and was chosen 
as Lending Innovation Firm of the Year/USA by 
Finance Monthly. Finova has also earned a 
consumer protection agency endorsement with 
a current rating of 4.58 out of 5 stars at Consumer 
Affairs.
FIRM PROFILE
USA
Finova Financial
Web: www.FinovaFinancial.com
CONTACT DETAILS
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