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Overview
Inclined Technologies provides a liquidity option for life insurance policyholders through the Inclined Line of Credit (iLOC). Financial advisors introduce the iLOC to clients, who can apply online after accepting an invitation via Inclined’s Advisor Portal. The iLOC lets policyholders access the cash value of whole life policies without cashing out or taking traditional loans, funded as a line of credit. The company earns interest on drawn amounts. MINIMUM LOC amounts vary by state (roughly $5,000 to $25,000) and the product supports policies from Guardian, Northwestern Mutual, and MassMutual, with plans to add more carriers. This setup aims to provide a fast, flexible, and cost-effective way to obtain liquidity, with the advisor network guiding clients through a smooth application and draw-and-payback process.
About Inclined Technologies
Industries
Fintech
Financial Services
Company Size
11-50
Company Stage
Series B
Total Funding
$27M
Headquarters
Brentwood, California
Founded
2020
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Simplify's Take
What believers are saying
- Inclined raised $8 million in August 2025, bringing total funding to $31 million.
- Crunchbase reported ARR up more than 50x since 2022 and over $1 billion originated.
- Thousands of advisors use the platform, and HSCM plus Northwestern Mutual back it.
What critics are saying
- Guardian, Northwestern Mutual, and MassMutual concentration exposes Inclined to carrier termination.
- Life-insurance lending faces state licensing, disclosure, and consumer-protection scrutiny every renewal cycle.
- Northwestern Mutual can replicate iLOC internally, crushing Inclined’s distribution and killing the company.
What makes Inclined Technologies unique
- iLOC underwrites against whole-life cash value, not unsecured consumer credit.
- Advisor Portal centralizes applications, balances, rates, and document requests for financial advisors.
- App updates add cash-value visibility, linking borrowing directly to policy performance.
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Funding
Total Funding
$27M
Below
Industry Average
Funded Over
3 Rounds
Industry standards
Benefits
Health Insurance
Stock Options
Paid Vacation
Hybrid Work Options
Growth & Insights and Company News
6 month growth
↓ -9%1 year growth
↓ -9%2 year growth
↓ -7%Inclined Technologies announced the close of its $8M Series B funding round, led by HSCM Ventures and Northwestern Mutual Future Ventures. The funding will enhance Inclined's platform, which simplifies liquidity access to whole life insurance policies through a digital process. The platform offers a secured line of credit, collateralized by policy cash value. The new capital will expand Inclined's technology, team, and reach to more carriers and policyowners nationwide.
Inclined Technologies, a fintech startup that lends against whole life insurance policies, has raised $8 million in a Series B funding round, the company told Crunchbase News exclusively.
Sausalito, CA – According to filings with the U.S. Securities and Exchange Commission, Inclined Technologies is raising $18,963,363.00 in new funding. Sources indicate as part of senior management Chief Executive Officer, Joshua Wyss played a key role in securing the recent investment and it will aid in aggressively expanding the company, as well as broaden and accelerate product development. About Inclined Technologies
Inclined Technologies has closed a $15 million Series A funding round led by HSCM Ventures , with participation from Anthemis Group. Its first product is the Inclined Line Of Credit (iLOC) – a way to access whole life cash value. Founded in 2020 and a team of ~13, Inclined helps policyholders realize more value out of their whole life investment by giving them quick and efficient access to the equity they have built in their whole life policy. Its platform addresses two inherent problems with the way the market currently operates – the “front end” problem of obtaining and structuring the raw data from whole life carriers, and the “back end” problem of efficiently managing the collateral in a way that can deliver assets at scale to our financial institution partners
Life insurance platform Inclined Technologies has closed a $15mn Series A funding round, led by HSCM Ventures with participation from Anthemis Group as well as several new and existing investors.
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About Inclined Technologies
Industries
Fintech
Financial Services
Company Size
11-50
Company Stage
Series B
Total Funding
$27M
Headquarters
Brentwood, California
Founded
2020
Inclined Technologies is Hiring for 3 Jobs on Simplify!
Find jobs on Simplify and start your career today