Inclined Technologies

Revolving credit lines secured by whole life insurance policy cash value

Specialty Solutions Growth Series B

Overview

Inclined Technologies is a fintech solutions provider for whole life insurance policyowners in North America, enabling access to the cash value held in their policies through a secured, revolving line of credit. The platform targets individual consumers and the financial advisors who serve them, operating within the Life & Annuity vertical.

The company delivers its core product -- the Inclined Line of Credit (iLOC) -- as a digital platform with an iOS mobile app, connecting policyowners to participating carriers via API integrations. The application and funding process is designed to complete in under 15 minutes, with ACH-enabled draws available the following business day. Inclined holds NMLS licensing (#2296713) and maintains SOC 1 Type 2 and SOC 2 Type 2 certifications.

Inclined raised a USD 15M Series A in September 2022 from Foundation Capital, Anthemis, and QED Investors, followed by a USD 8M Series B in August 2025 led by HSCM Ventures, bringing total known funding to USD 23M. The company has established carrier partnerships with Guardian, Northwestern Mutual, MassMutual, New York Life, and Penn Mutual, with Northwestern Mutual Future Ventures participating as an investor.

Products & Services

Inclined Line of Credit (iLOC)

A revolving credit facility secured by the cash value in a whole life insurance policy. Policyowners can apply digitally, receive approval, and draw funds with no origination, servicing, or prepayment fees.

Key Features

Digital application completed in under 15 minutes
Next-business-day ACH funding for approved draws
Revolving structure -- draw, repay, and redraw as needed during the term
Compatible with policies from Guardian, Northwestern Mutual, MassMutual, New York Life, and Penn Mutual
No origination, servicing, or prepayment fees

Target Users: Whole life insurance policyowners and their financial advisors

Mobile Application (iOS)

A native iOS app providing real-time management of an active iLOC account, including balance visibility, draw initiation, payment tracking, and in-app customer support.

Key Features

View available credit line balance
Initiate and manage credit draws
Track payment history and account status
In-app access to customer support

Target Users: Existing iLOC customers managing their accounts on mobile

At a Glance

Founded: 2020
Headquarters: Sausalito, California, USA
Employees: 11-50
Funding: Series B

Category & Focus

Category: Specialty Solutions
Subcategories: Life Insurance Cash Value Access Policy Lending Financial Wellness
Insurance Verticals: Life & Annuity
Target Customers: Consumers, Agents/Agencies, Carriers