Meet the Team
LOANS THAT
MATTER
We Are Committed to Excellence
We are fintech entrepreneurs with deep financial services experience
Luther is a proven, results-oriented builder of innovative organizations in the financial services and technology industries. With expertise in product/risk management, credit lending, and banking technology, he held senior positions with top banking brands, including BankOne, Chase, and USAA.
Luther then became a successful entrepreneur. His most recent fintech, iLendx, provided small banks and credit unions with digital lending and account opening technology. iLendx was bought by Fiserv, where Luther led the digital lending and origination product team before co-founding ACTCapital.
Luther also spent 20-plus years in the community lending space. He served as a board member and market president for LiftFund, the largest micro lender in the United States. He is currently board chair of the Austin-based PeopleFund.
Rob is an entrepreneur with a success record in cloud system architecture, system security, and data management. He has applied his deep experience in full-scale product development, consulting, and build modes across multiple industries—including banking, financial services, cybersecurity, and nonprofit sectors.
He co-founded and served as Chief Information Security Officer / Chief Architect for iLendx, a fintech that provided digital lending and account opening technology for small banks and credit unions. After the sale of iLendx to Fiserv, Rob served as CTO of Fiserv’s digital lending and origination team before co-founding ACTCapital.
John is an accomplished management executive with a track record driving profitable organic growth and new market development. After launching his career in banking, John embarked on a successful executive career with TransUnion, where he led several product sales teams.
He is deeply skilled in all aspects of credit decisioning, as well as in digital acquisition, risk management, and compliance. John provided subject matter expertise, including business development, to iLendx, a fintech co-founded by ACT’s Luther Branham and Rob Kraft. iLendx was later sold to Fiserv.