ZestFinance is a financial technology company that uses machine learning and data science to help companies make more accurate financial decisions. Instead of using traditional credit scores from credit report providers, ZestFinance uses a proprietary algorithm to analyze loan applications to determine credit worthiness. ZestFinance’s model analyzes thousands of potential credit variables to better assess factors like potential for fraud and risk of default. The company’s underwriting model aims to lower default rates and enable lenders to charge lower financing fees versus traditional outlets, while also increasing credit availability for borrowers. ZestFinance was founded in 2009 by Douglas Merrill, the former Chief Information Officer of Google, and is headquartered in Los Angeles, CA.