Monisa transforms Income Share Agreements into upfront capital for creators and a new asset class for investors.
High-ticket courses scare away talented students. Monisa removes the price barrier and advances your future revenue today.
Embed our API at checkout. We handle identity verification, underwriting, and legal contracts instantly. You never lift a finger.
Automated servicing. We track student employment, verify income, and handle monthly collections. Regulatory compliance built-in.
Don't wait years for repayment. We bundle contracts and sell them. Receive up to 80% of NPV on Day 1.
Discover and bid on "ISA Bundles"—securitized pools of student contracts. Standardized assets backed by verifiable income data.
Use our Tranche Analyzer to buy risk-adjusted tranches (Senior vs. Equity). Stress test against unemployment scenarios.
Returns driven by employment markets, not stock sentiment. Assets held in isolated SPVs (Bankruptcy Remote).
Creator uses Monisa to enroll students with $0 upfront.
Monisa OS packages contracts into a financial security.
Investors bid on the bundle via the Monisa Exchange.
Creator gets cash Day 1. Investor gets yield. Student learns.
For Creators: ✓ Double enrollments, and ✓ Cash flow on Day 1.
For Capital Partners: ✓ Access $7B+ ISA market, and ✓ Data-driven underwriting.