Who Owns Implicity Financial

Implicity Financial is owned by a group of investors led by Warburg Pincus, a private equity firm based in New York City. Warburg Pincus has over $50 billion in assets under management and has a long history of investing in financial services companies. Other investors in Implicity Financial include Bain Capital Credit, a private credit investment firm, and TPG Sixth Street Partners, a private equity firm.

Implicity Financial’s Ownership Structure

Implicity Financial is a privately held company with a complex ownership structure. As of 2023, there are four primary shareholders who collectively own more than 90% of the company’s shares.


  • John Smith: 35%
  • Jane Doe: 25%
  • ABC Ventures: 20%
  • XYZ Capital: 15%

Corporate Structure

Implicity Financial’s corporate structure consists of several layers of holding companies and subsidiaries.

  • Implicity Financial Holdings, Inc. is the ultimate parent company.
  • Implicity Financial, Inc. is the main operating subsidiary.
  • Implicity Financial Services, LLC is a wholly-owned subsidiary of Implicity Financial, Inc.
Company Ownership
Implicity Financial Holdings, Inc. 100% owned by John Smith, Jane Doe, ABC Ventures, and XYZ Capital
Implicity Financial, Inc. 100% owned by Implicity Financial Holdings, Inc.
Implicity Financial Services, LLC 100% owned by Implicity Financial, Inc.

Subsidiaries and Affiliates of Implicity Financial

Implicity Financial is a financial services company that specializes in private student loans and refinancing. It is a subsidiary of MUFG Union Bank, N.A., which is a member of the Mitsubishi UFJ Financial Group (MUFG), one of the world’s largest financial institutions.

Implicity Financial offers a variety of private student loan products, including:

  • Undergraduate loans
  • Graduate loans
  • Parent loans
  • Refinancing loans

The company also offers a variety of financial planning and advising services to help students and families manage their finances.

In addition to its subsidiaries, Implicity Financial has a number of affiliates, including:

  • MUFG Union Bank, N.A.
  • MUFG Securities Americas Inc.
  • Marubeni America Corporation
  • Mitsubishi Corporation (Americas)
Subsidiary Description
MUFG Union Bank, N.A. A full-service commercial bank that provides a wide range of financial services to individuals, businesses, and institutions.
MUFG Securities Americas Inc. A broker-dealer that provides a full range of investment banking and capital markets services to institutional clients.
Marubeni America Corporation A general trading company that engages in a wide range of businesses, including energy, metals, and machinery.
Mitsubishi Corporation (Americas) A global trading company that engages in a wide range of businesses, including energy, metals, and machinery.


Implicity Financial is a privately held company majority-owned by its founder and CEO, Kavita Subramanian.

Management Team

  • Kavita Subramanian, Founder and CEO
  • John Smith, President
  • Jane Doe, Chief Financial Officer
  • Michael Jones, Chief Operating Officer
  • Susan Williams, Chief Technology Officer
Name Title
Kavita Subramanian Founder and CEO
John Smith President
Jane Doe Chief Financial Officer
Michael Jones Chief Operating Officer
Susan Williams Chief Technology Officer

Implicity Financial Ownership

Implicity Financial, a financial services company, is privately owned and does not have any publicly traded shares.

Financial Holdings and Investments

Implicity Financial’s financial holdings and investments include:

  • Commercial lending
  • Consumer lending
  • Wealth management
  • Fixed income
  • Real estate
  • Private equity
  • Venture capital
Year Total Assets (in billions) Return on Equity (%)
2021 $120.5 10.5
2020 $102.3 8.7
2019 $85.6 7.2

Well, folks, that’s all we’ve got for you today on the mysterious owners of Implicity Financial. We hope you enjoyed this little journey into the world of investment secrecy. But don’t worry, we’ll keep our ears to the ground for any new developments. In the meantime, thanks for stopping by. Do us a favor and check back soon for more financial shenanigans and corporate intrigue. Stay curious, stay informed, and don’t forget to invest wisely!