We are Pioneering the Future of Credit Accessibility

Welcome to Access Finance Inc.,
the driving force behind Juzt Digital Credit Card.

Since 2013, we’ve been dedicated to making financial services accessible and straightforward for everyone, especially the underbanked. By combining innovation with a digital-first strategy, we simplify finances, empowering people to achieve their dreams.

Our services are simple, easy, and fast.

Who we are

The Story Behind Access Finance Inc.

Empowering Financial Opportunities for All

As we celebrate more than a decade of success at Access Finance AD, we’re proud of our journey from modest beginnings to a global presence in three European countries, with exciting expansions into Mexico and the USA. The launch of Access Finance Inc. represents the next step in our mission, making unsecured credit cards and building credit history more accessible than ever.

At Access Finance Inc., we believe credit access should be available to everyone. We aim to democratize financial opportunities, promote financial literacy, and foster inclusive growth.

We’re leading the way in a new era of credit accessibility, helping our customers move from subprime to prime and equipping them with the tools they need to achieve their financial goals.

What we do

At Access Finance Inc., we're redefining the financial experience with our innovative Juzt Digital Credit Card, which can be used on your smartphone.

Our Juzt Digital Credit Card, issued by The Bank of Missouri, ensures secure transactions and broad acceptance wherever you want. But we're not just offering unsecured digital credit cards — we're transforming how you apply for and experience credit, making the process fully digital and tailored to your fast-paced life.

Why We Do It

We believe in financial inclusion for everyone, regardless of social, educational, or economic status. Our mission is to harness technology to empower people whom traditional banking systems have overlooked.

By leveraging advances in artificial intelligence, machine learning, mobile technology, and open banking, we aim to provide life-changing financial tools and access to services that help people thrive.

Apply for a Juzt Digital Credit Card and join the future of digital finance, where your entire financial world is at your fingertips.

Timeline

Launch of Juzt Digital Credit Card

Juzt Goes Live in the USA: The Juzt Digital Credit Card was officially launched in the U.S. market. It offers a fully digital, user-friendly credit experience that’s accessible to all, especially the underbanked.

2024

2023

Launch of Juzt Digital Credit Card

Juzt Digital Credit Card Conceptualized: The idea for Juzt, a fully digital credit card aimed at financial inclusion and accessibility, was born. The goal was to create a product that empowers users to take control of their finances seamlessly through a digital platform.

The Birth of Access Finance Inc.

Access Finance Inc. Established: Recognizing the potential of the U.S. market, Access Finance Inc. was founded as the next step in the company’s global expansion strategy. The focus: to bring digital-first, unsecured credit cards to a broader audience.

2021

2020

Laying the Foundation for Global Growth

Strategic Vision for Global Expansion: The company set its sights on expanding beyond Europe, identifying new opportunities in emerging markets worldwide.

European Expansion

Expansion Across Europe: After initial success, Access Finance AD expanded operations across three European countries, establishing itself as a trusted provider of financial services.

2017

2013

Humble Beginnings

Access Finance AD Established: Founded to provide accessible financial services, focusing on the underbanked and underserved communities.

Leadership

Ivan Arnaudov

CEO

As CEO of Access Finance Inc., Ivan is responsible for launching the Juzt Digital Card in the U.S. market. With a strong background in digital marketing, sales, and MarTech innovations, he drives global expansion and financial inclusion, shaping the company’s future and making credit cards accessible to all.

Boryana Brankova

CFO

As CFO of Access Finance Inc., Boryana brings extensive experience in corporate finance and financial advisory. With a background at Postbank and UniCredit, her CFA charter, and degrees in Business Administration and Finance, she expertly manages financial reporting, planning, analysis, liquidity, and funding for the company, ensuring its economic strength and growth.

Velko Kamenov

CRO

As CRO at Access Finance Inc., Velko leverages his deep machine learning and credit risk management expertise to drive innovation for the Juzt Digital Card. With a solid academic background and a leadership role, Velko spearheads the development of advanced AI-based systems, shaping the future of data-driven credit solutions at Access Finance Inc.

Ivan Pavlov

CTO

As CTO of Access Finance Inc., Ivan leads the company’s technological innovation and strategic initiatives. With a background in software development and solutions architecture, Ivan ensures that technology aligns seamlessly with business goals. His journey from software developer to CTO, with his international experience and technical expertise, positions him as a critical driver of Access Finance’s digital evolution.

Luisa Franco

CCO

As Chief Compliance Officer at Access Finance Inc., Luisa brings over two decades of expertise in banking and fintech, focusing on compliance, AML, and risk management. Her deep industry knowledge and commitment to excellence drive Access Finance’s adherence to the highest standards of compliance and innovation, ensuring the company remains at the forefront of the fintech landscape.

Dimiter Prodanski

Head of International Growth

As Head of International Business Development at Access Finance Inc., Dimiter is a critical driver in the company's global expansion's successful strategic implementation and product development. Joining Access Finance AD in 2015, Dimiter spearheaded the rollout of the company’s flagship unsecured non-prime credit card across Spain, Poland, and Romania. He now leads the launch of operations in the USA and Mexico.

Iren Bakardzhieva

Digital Marketing Manager

As Digital Marketing Manager at Access Finance Inc., Iren leverages her SEO, inbound marketing, and brand management expertise to drive growth and customer engagement. Her innovative strategies and holistic approach are vital to building strong, lasting connections with customers, ensuring the brand’s success in the digital space.

Viktor Tsvetkov

Head of Payments and Fraud

As Head of Payments and Fraud at Access Finance Inc., Viktor brings 16 years of expertise in the payments industry. He manages relationships with payment processors, personalization centers, and payment schemes while leading the development of Access Finance’s credit card programs. Viktor is responsible for enhancing card functionalities, customer experience, and fraud prevention.

Vanya Aleksandrova

Head of MarTech

As Head of MarTech at Access Finance Inc., Vanya bridges marketing and technical teams with her expertise in marketing automation. Skilled in website creation, CRM integration, and data analysis, Vanya connects business and marketing needs with technical execution, driving innovation and efficiency.

David Tulis

Business Consultant

As a Business Consultant at Access Finance Inc., David leverages nearly 20 years of banking experience with firms like UBS, Cross River Bank, and FinWise Bank. With expertise in banking, technology, and capital markets, he plays a crucial role in shaping strategy, building teams, and driving innovation at Access Finance Inc.