Elemental is an open credit platform which works with financial institutions and enterprise clients to provide underserved customers access to credit. By leveraging proprietary machine learning technology and advanced underwriting models, Elemental’s products provide our partners with new growth opportunities and help consumers get access to credit at an affordable cost.

We are here to serve those ignored by the system, ignored by the way credit is determined and unable to move forward without unreasonable expectations.

Our Team

Oliver Gale
CEO / Founder

Scott de Silvia
COO / Founder

James Ruffer
Lead Product Developer

Keaneau Donovan
Senior Operations Specialist

Jessica Gale-Worme
Office Manager / EA

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