Andreessen Horowitz

Andreessen Horowitz is a venture capital firm founded in 2009 by Marc Andreessen and Ben Horowitz and based in Menlo Park, California. It funds startups across the entire lifecycle, from seed to growth, with a broad focus on software and technology-enabled businesses. The firm backs companies in software, cloud infrastructure, digital platforms, data storage, and mobile and Internet services, as well as sectors at the intersection of technology with life sciences, such as bio healthcare and computational medicine. Its investments span artificial intelligence, fintech, consumer and enterprise software, crypto and blockchain, cybersecurity, and related infrastructure. Through strategic guidance and a hands-on approach, the firm aims to help portfolio companies scale and innovate.

Leila Abu-Sharr

Partner, Market Development

Anish Acharya

General Partner

Vineeta Agarwala

General Partner

Eric Alby

Partner

Ryan Allen

Partner

Past deals in Credits and Lending

Clutch

Series B in 2025
Clutch provides solutions for transforming Credit Unions into modern FinTechs, focusing on loan and deposit onboarding. The company addresses inefficiencies in traditional banking by offering tailored digital experiences that improve member satisfaction and operational efficiency.

Valon Technologies

Series C in 2024
Valon Mortgage is a Fannie Mae and Freddie Mac approved, tech-enabled residential mortgage servicer. The company’s mission is to champion homeowners on their financial journey as the partner they trust with their home and their future.

Addi

Venture Round in 2024
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Keep Financial

Seed Round in 2022
Keep Financial operates a compensation management platform designed to enhance hiring and retention strategies for businesses. The company offers customizable 'Vesting Cash Plans', providing employees with immediate access to capital while aligning compensation with business objectives and performance metrics. This approach aims to attract top talent, boost employee satisfaction, and improve overall productivity by ensuring fair and flexible remuneration structures tailored to each individual's needs.

Point

Series C in 2022
Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Addi

Series C in 2021
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Valon Technologies

Series B in 2021
Valon Mortgage is a Fannie Mae and Freddie Mac approved, tech-enabled residential mortgage servicer. The company’s mission is to champion homeowners on their financial journey as the partner they trust with their home and their future.

Addi

Series B in 2021
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Archblock

Venture Round in 2021
Archblock is a financial technology company that focuses on bridging institutional capital with decentralized finance (DeFi) through innovative web3-enabled products. Founded in 2017 and based in San Francisco, Archblock operates the TrustToken platform, which facilitates the creation of asset-backed tokens for global trading. The company emphasizes transparency and accessibility in lending by connecting institutional lenders and fund managers to DeFi markets. Its offerings include a modular suite of tools that allows institutions to create and manage stablecoins, tokenize real-world assets, and securely manage portfolios. Archblock's platform ensures compliance with fiduciary responsibilities and provides a legal framework that enforces smart contract terms, thereby enhancing the integrity of financial transactions.

Addi

Series B in 2021
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

SeedFi

Series A in 2021
SeedFi operates an online platform offering payroll loans to consumers, focusing on those living paycheck to paycheck. Founded in 2019 by fintech veterans, the company aims to provide lower-cost access to capital and improve financial health for vulnerable members of society.

Valon Technologies

Series A in 2021
Valon Mortgage is a Fannie Mae and Freddie Mac approved, tech-enabled residential mortgage servicer. The company’s mission is to champion homeowners on their financial journey as the partner they trust with their home and their future.

Addi

Series B in 2020
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Addi

Series A in 2019
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

SeedFi

Seed Round in 2019
SeedFi operates an online platform offering payroll loans to consumers, focusing on those living paycheck to paycheck. Founded in 2019 by fintech veterans, the company aims to provide lower-cost access to capital and improve financial health for vulnerable members of society.

Branch International

Series C in 2019
Branch International is a digital lending company that uses data from users' mobile devices to assess creditworthiness and offers personal loans through its Android application. Founded in 2015 and headquartered in San Francisco, it operates in multiple markets with offices in Lagos, Nairobi, Mumbai, Mexico City, and Kirkland, Washington. The company aims to reduce the cost of delivering financial services in emerging markets by applying data science to credit decisions, enabling quick loan approvals and building credit histories for users without reliance on traditional banking records. Through its mobile-first approach, Branch seeks to expand fair financial access for the mobile generation in developing regions.

Point

Series B in 2019
Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Addi

Seed Round in 2018
Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Cuenca

Seed Round in 2018
Cuenca is a fintech company that provides digital banking and payments services through online and mobile platforms. The business offers savings and deposit facilities, digital loan capabilities with real-time funding, and the ability to send and receive money. It supports paying bills and services, including utilities, and enables users to manage finances securely, either digitally or with a physical card. The platform aims to simplify everyday financial tasks by combining online banking, bill payment, and digital money transfers in one solution.

Branch International

Series B in 2018
Branch International is a digital lending company that uses data from users' mobile devices to assess creditworthiness and offers personal loans through its Android application. Founded in 2015 and headquartered in San Francisco, it operates in multiple markets with offices in Lagos, Nairobi, Mumbai, Mexico City, and Kirkland, Washington. The company aims to reduce the cost of delivering financial services in emerging markets by applying data science to credit decisions, enabling quick loan approvals and building credit histories for users without reliance on traditional banking records. Through its mobile-first approach, Branch seeks to expand fair financial access for the mobile generation in developing regions.

Point

Series A in 2016
Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Branch International

Series A in 2016
Branch International is a digital lending company that uses data from users' mobile devices to assess creditworthiness and offers personal loans through its Android application. Founded in 2015 and headquartered in San Francisco, it operates in multiple markets with offices in Lagos, Nairobi, Mumbai, Mexico City, and Kirkland, Washington. The company aims to reduce the cost of delivering financial services in emerging markets by applying data science to credit decisions, enabling quick loan approvals and building credit histories for users without reliance on traditional banking records. Through its mobile-first approach, Branch seeks to expand fair financial access for the mobile generation in developing regions.

Branch International

Series A in 2015
Branch International is a digital lending company that uses data from users' mobile devices to assess creditworthiness and offers personal loans through its Android application. Founded in 2015 and headquartered in San Francisco, it operates in multiple markets with offices in Lagos, Nairobi, Mumbai, Mexico City, and Kirkland, Washington. The company aims to reduce the cost of delivering financial services in emerging markets by applying data science to credit decisions, enabling quick loan approvals and building credit histories for users without reliance on traditional banking records. Through its mobile-first approach, Branch seeks to expand fair financial access for the mobile generation in developing regions.

Blend Labs

Seed Round in 2012
Founded in 2012, Blend Labs designs and develops digital lending platforms that streamline mortgage, consumer loan, and deposit account applications. Serving over 300 financial institutions, including Wells Fargo and U.S. Bank, the company processes billions in loans daily, helping millions of consumers access credit.

Listia

Seed Round in 2011
Listia Inc. is an online auction platform that facilitates the trading of unwanted goods by allowing users to list items for auction. Founded in 2009 and based in Mountain View, California, Listia enables users to bid on a variety of products, including antiques, electronics, clothing, and collectibles, using a system of credits instead of traditional currency. Users earn credits by signing up, giving away items, and participating actively on the platform. This innovative marketplace not only helps individuals declutter by trading items they no longer need but also allows them to acquire new goods for free, enhancing the value of unused possessions through a community-driven exchange.
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