Zirtue, an Innovative FinTech App Revolutionizes the Peer-to-Peer Lending Market

Zirtue – https://www.zirtue.com – Zirtue is a Dallas-based FinTech company that has reimagined peer-to-peer lending while pioneering relationship-based lending by bringing security, integrity, and accountability to a transaction that has historically put strains on good relationships. It is the only application and platform of its type that makes lending to friends and family a formal lending transaction from your mobile device. The app works by providing a platform for friends and family to lend and borrow funds from one another in a more official way. The borrower has the capability to set the loan amount while the lender establishes the repayment terms. When the terms are agreeable to both parties, the loan request is serviced by Zirtue. Through proprietary development and strategic partnerships, loan payments are initiated on the agreed upon date using the Automated Clearing House (ACH) Network.

Although there are applications on the market whereby friends and family can send money to one another, there are no platforms that sets up any repayment terms. This leaves the responsibility of repaying the loan in the hands of the borrower and as Co-Founder & CEO Dennis Cail realized through personal experience those loans don’t always get repaid. However, with the advent of Zirtue, the entire peer-to-peer lending market is elevated with the introduction of repayment terms, digital promissory note and automatic bank drafts. This makes it much easier to recoup money that was loaned to a friend or family member without the social awkwardness of having to remind the borrower about the loan.

The app was the brainchild of Dennis Cail, a technology executive and entrepreneur who Co-Founded Zirtue March of 2018 with Co-Founder Michael Seay, a financial executive and entrepreneur. Together they have created a disruptive application with emphasis on financial inclusion, user experience, constant innovation and platform security. According to Cail, “Zirtue is not an application searching to solve a new problem; friends and family lend almost $200B annually through various means based on estimates by the Federal Reserve Bank,” Cail explains, “We are providing anyone who has ever loaned or borrowed money with an option to take the awkwardness out of the situation while building a stronger commitment for repayment.”

Seay says the current family and friends market resembles the “wild west” because it lacks the infrastructure to formalize the lending process between both parties. The comprehensive new mobile application sets the bar higher for friends and family to repay each other with formal repayment terms and automated payments that have been agreed to ahead of time by both parties. Cail states that, “Financial inclusion and user experience are our top priorities. We recently partnered with AT&T, and now borrowers can pay their AT&T bills directly through the Zirtue app.”

Zirtue provides a digitized and mobilized platform to request and automatically repay anyone in the mobile contacts on the user’s device. It features real-time integration with creditors to ensure direct payment and reliable repayment of funds. The AI-driven, extensively developed, relationship-based lending app is one of the most innovative and needed applications of its time. In a financial world that is beset by predatory lending with more than 30% of Americans impacted by predatory lending and 20% of Americans with no access to traditional financing, Zirtue offers a full-spectrum solution to multiple financial restrictions facing the American population.

About Zirtue

Founded in 2018, Zirtue is on a mission to create a more financially inclusive world by digitizing and mobilizing loans between friends and family. Zirtue is the first relationship-based lending application that simplifying and formalizing lending money between trusted relationships using Automatic (ACH) loan payments. Follow Zirtue on Facebook, Instagram and Twitter.

Additional information may be found at https://zirtue.com. For business inquiries, contact partner@zirtue.com and for press inquiries, contact pressbox@zirtue.com.


About Zirtue Company

You need to loan money to friends and family with confidence. Zirtue allows you to get paid back with automatic monthly (ACH) loan payments from the Borrowers bank account to your bank account. Zirtue automates and simplifies the repayment process, so you can focus on your relationships.

We’ve all either loaned to or borrowed money from our friends and family with reasonable expectations that everything will go smooth. The reality is usually something different, unexpected or just awkward.


Within minutes you can lend or borrow money with friends and family on your terms.

Zirtue is a private secure lending app that allows you to leverage your personal relationships instead of your personal credit score to lend and borrow money.

Easily track and manage your loan activity using your private dashboard to view all loan activity and message lenders and borrowers. Set automatic deductions to make repayment friendly, easy and without having to think about it.

Zirtue simplifies loans between friends and family. We’re serious about security and use cutting-edge technology to ensure your personal information is fully encrypted and securely stored.

Zirtue, like most virtues, allows you to get access to the money & loans they need when you need it, from the people who know you best. Let’s face it, we all need a little help sometimes.


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