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ZestFinance Stock

Credit decision-making platform for businesses



Notable Investors



Los Angeles CA, US

Total Funding


About ZestFinance Stock

ZestFinance's AI-based tools help lenders to increase revenue, reduce risk, and ensure compliance with complex federal regulations. Zest’s Automated Machine Learning (ZAML) enables lenders to analyze non-traditional data, including data they already have in-house, such as customer support data, payment histories, and purchase transactions. The platform can also take into account traditional credit information and nontraditional credit variables, such as how a customer fills out a form, how they navigate a lender’s site, and more. While the black box problem has slowed the adoption of machine learning in consumer finance, ZAML is able to fully explain data modeling results, measure business impact, and comply with regulatory requirements.


Funding History

July 2011$19.0M
January 2012$23.0M
December 2012$5.0M
July 2013$20.0M
October 2015$150M


Founder & Chief Executive Officer

Douglas Merrill

Chief Financial Officer

Steven Fernald

Chief Technology Officer

Jay Budzik, PhD

Chief Operating Officer

Bob Birmingham


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