Inclined Technologies is a technology company.
Inclined Technologies has raised $8.0M across 1 funding round.
Inclined Technologies has raised $8.0M in total across 1 funding round.
Inclined Technologies is a San Francisco-based fintech company founded in 2020 that builds a digital platform to unlock the cash value in whole life insurance policies through its flagship product, the Inclined Line of Credit (iLOC).[1][2][3][6] It serves policyowners and financial advisors by offering a fully automated, digital process to secure a revolving line of credit collateralized by policy cash value, solving the problem of cumbersome, manual borrowing that traditionally takes weeks.[1][2][6] The platform provides competitive rates without fees, completes approvals in under 15 minutes, and has the lowest minimum cash value requirement on the market, enabling access for previously underserved users in the $5tn whole life insurance market and $1.1tn in invested policies.[1][2][6]
In August 2025, Inclined closed an $8m Series B funding round led by HSCM Ventures, with participation from Northwestern Mutual Future Ventures and others, valuing it above its prior $16.5m Series A from 2022 and signaling strong growth momentum with thousands of active advisors and plans for product expansion, carrier partnerships, and team growth.[1][3]
Inclined Technologies was founded in 2020 by CEO Joshua Wyss, CTO Mark Shaw, and Graham Gerlach, addressing the inefficient process of accessing liquidity from whole life insurance cash value.[1][2][3] The idea emerged from recognizing how policyowners and advisors struggled with outdated, paper-based lending against policies, prompting the team to build proprietary technology for a streamlined marketplace connecting policyowners with financial institutions.[1][2][6] Early traction came from automating the end-to-end experience, leading to rapid adoption; by 2025, it had secured Series B funding post its 2022 Series A, with leadership expanded to include Chief Capital Officer Amir Friedman, COO Graham Keggi, Chief Compliance Officer Richard Lewis, and VP of Sales Monica Kerber.[1][2][3]
Inclined rides the InsurTech wave modernizing the $5tn whole life insurance market, where digital tools address legacy inefficiencies in accessing $1.1tn in policy cash value.[1][2] Timing aligns with rising demand for intuitive financial products amid economic pressures for liquidity, amplified by investor interest—evidenced by its oversubscribed Series B from strategic players like Northwestern Mutual.[1] Market forces favoring Inclined include fintech adoption by advisors, carrier partnerships, and a shift toward user-friendly platforms that optimize insurance as living assets rather than just death benefits.[1][2][6] It influences the ecosystem by empowering advisors nationwide, driving competition in policy lending, and setting standards for speed and accessibility in InsurTech.[1]
Inclined is poised to scale its iLOC platform with $8m in fresh capital fueling product features, team expansion, and partnerships like Northwestern Mutual, targeting deeper penetration in whole life advising.[1][2] Trends like AI-driven personalization in finance and regulatory support for embedded lending will shape its path, potentially expanding to other insurance products or adjacent liquidity tools.[1][4] Its influence may evolve from niche disruptor to category leader, as growing advisor adoption unlocks more of the $1.1tn market—reinforcing its mission to deliver maximum value from whole life investments through technology.[1][2]
Inclined Technologies has raised $8.0M in total across 1 funding round.
Inclined Technologies's investors include 75 & Sunny, 7BC Venture Capital, Alumni Ventures, Cream City Venture Capital, Moderne Ventures, Montage Ventures, Mouro Capital, QED Investors, Rubicon VC, Viola Ventures.
Inclined Technologies has raised $8.0M across 1 funding round. Most recently, it raised $8.0M Series B in June 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Jun 1, 2025 | $8.0M Series B | 75 & Sunny, 7BC Venture Capital, Alumni Ventures, Cream City Venture Capital, Moderne Ventures, Montage Ventures, Mouro Capital, QED Investors, Rubicon VC, Viola Ventures |