TRAVA.FINANCE is a new lending protocol that offers unique functions like pool creation for users (open a new business for everyone), credit score, NFT-collateralized, and data analysis to increase profitability.TRAVA is the world's first decentralized marketplace for cross-chain lending. While existing approaches provide only one or a few lending pools with their own parameters such as borrow/supply interest rate, liquidation threshold, Loan-to-Value ratio, or a limited list of exchangeable cryptocurrencies, TRAVA offers a flexible mechanism in which users can create and manage their own lending pools to start a lending business. TRAVA also offers the credit score function based on financial data on-chain analysis as a useful tool that reduces risk and increases profits for all users. We build our solutions on TRAVA.FINANCE whose smart contracts are deployed on BSC network, so the speed of transactions, gas fees and robustness depend on BSC network. In the near future, we will allow cross-chain lending in our platform.