Y Combinator

Union54 is a debit card issuing API designed for fintech companies and corporates, enabling them to issue debit cards to their customers without relying on traditional banks or credit card processors. The company provides essential services such as BIN sponsorship, transaction processing, and settlement, streamlining the card issuance process. In addition to its card issuing capabilities, Union54 also offers secure messaging and payment systems aimed at both civilian and government use. Its software includes an integrated wallet and an API for developing secure chat applications, allowing clients to create applications that facilitate secure communication and transactions. This dual focus on payment solutions and secure messaging positions Union54 as a versatile player in the financial technology landscape.

Fizz is developing a debit card application designed specifically for college students in the U.S. The service aims to help these students build their credit profiles while avoiding the pitfalls of excessive credit use. By offering features that promote responsible financial habits, Fizz empowers students to achieve financial independence and improve their credit scores. The application also includes a cash-back reward system that encourages spending within a budget, making it a practical tool for young adults navigating their financial futures. Through this innovative approach, Fizz seeks to provide students with safer avenues to establish and enhance their creditworthiness.

SoloSuit is a B2B SaaS FinTech and LegalTech provides you with all of the best resources for fighting your debt collection lawsuit and winning.

Middesk, Inc., founded in 2018 and located in San Francisco, California, specializes in providing comprehensive contextual information about businesses. The company assists organizations in conducting background checks and centralizes essential data needed for risk and compliance assessments. Middesk's services are particularly valuable for companies that need to verify and screen their customers to meet regulatory requirements. Additionally, B2B companies utilize Middesk's information to establish and manage credit limits and determine payment terms for both new and existing customers.

Udhaar App is an online ledger that helps manage credit (Udhaar) with customers and suppliers.

Octifi provides innovative and collective digital credit services including installment payment services. They use modern technology to reimagine the checkout experience and make it easy for businesses of all sizes to offer responsible credit to their customers.

Kredi is a mortgage loan marketplace focused on serving the Latin American market. The platform simplifies the borrowing process by allowing customers to complete a single loan application, which is then used to identify the most suitable mortgage options from a network of lenders. By leveraging a mathematical algorithm, Kredi connects users with financial institutions that are likely to approve their credit applications. This enables consumers to access financing for purchasing new or used homes and offers various loan modalities tailored to their individual needs.

Feige develops credit cards and credit lines for the brave and relentless freelancers of Southeast Asia. It helps in bridging working capital gaps so its users can focus on their passion. It was founded in 2020 and is based in Singapore.

Credpal is an innovative solution that allows businesses and individuals buy anything and pay for it in instalments across online and offline merchants by providing them with instant access to credit at the point of checkout.

Cradle is a provider of a one-stop-shop for all your business financing needs. Cradle is the cheapest way to collect payments and offer purchase credit to your business buyers. It allows merchants to collect payments and offer purchase credits to their customers.

Bits, developed by Fea Card Limited, is an application designed to assist users in building their credit scores. The service includes a digital credit card that operates on a fixed-fee model, allowing users to make monthly payments that are reported to credit agencies. This approach aims to enhance users' credit profiles over time. In addition to credit-building services, Bits also offers a range of gift cards and top-up cards available for purchase online. Incorporated in 2018, the company is headquartered in London, United Kingdom.

We are a software company that categorises and labels bank transaction data. If you think deciphering a transaction on your bank statement is hard for you, it’s way harder for your lender, personal finance manager, or neobank, so we offer an easy service to solve this problem.

Karat Financial Technologies, Inc. is a company based in the United States that specializes in developing financial solutions tailored for online creators and influencers. Its primary product is the Karat credit card, designed specifically to meet the unique financial needs of individuals in the creator economy. By offering a credit card that caters to this demographic, Karat aims to provide accessible financial resources that support the growth and sustainability of creators' careers.

Karat Financial Technologies, Inc. is a company based in the United States that specializes in developing financial solutions tailored for online creators and influencers. Its primary product is the Karat credit card, designed specifically to meet the unique financial needs of individuals in the creator economy. By offering a credit card that caters to this demographic, Karat aims to provide accessible financial resources that support the growth and sustainability of creators' careers.

Swipe allows small businesses to access finance by providing them with credit using its business credit card to help cover payroll and expenses.

YbanQ is a fintech platform that helps businesses grow by simplifying collections, managing payouts, and reconciliation. It helps businesses whether Standalone, Marketplaces, Retail lenders, P2P invoice discounting platforms to simplify collections, and recon using NEFT/ UPI and at super low costs compared to other modes of collection.

Sable Money, Inc. is a banking services provider based in New York, New York, established in 2019. The company addresses the challenges faced by individuals looking to build credit in the United States, particularly those who may not have a prior credit history. By partnering with a U.S. banking institution, Sable enables customers to send and receive domestic transfers seamlessly, allowing them to engage with major merchants as American customers. This service helps users establish a good credit score, which is crucial for their professional success in the U.S. Sable's innovative approach facilitates access to banking and credit-building opportunities for those who might otherwise struggle to enter the financial system.

Circles is a social payments platform that lets users discover and share credit cards, settle debts, and track payments within trusted circles of friends and family.

Naborly uses AI to help landlords and tenants eliminate the stress of the eviction experience by offering an inclusive credit bureau and tenant screening platform, lease protection insurance, and low-interest pay-day lending (12.5%) to help tenants get back on their feet when life throws those unexpected curveballs

Middesk, Inc., founded in 2018 and located in San Francisco, California, specializes in providing comprehensive contextual information about businesses. The company assists organizations in conducting background checks and centralizes essential data needed for risk and compliance assessments. Middesk's services are particularly valuable for companies that need to verify and screen their customers to meet regulatory requirements. Additionally, B2B companies utilize Middesk's information to establish and manage credit limits and determine payment terms for both new and existing customers.

Obie is a software platform developed by Creisoft, Inc. that connects commercial real estate brokers and investors, streamlining the transaction process within the industry. The platform offers a range of features, including the ability for brokers to create marketing materials, list properties on a public or private marketplace, and manage financial documents and analytics in real time. Investors benefit from access to property teasers and instant delivery of offering memorandums upon signing an electronic confidentiality agreement. Additionally, Obie includes tools for underwriting properties, supported by integrated financial modeling capabilities. The platform serves various asset classes, including office, industrial, retail, and multifamily properties. Founded in 2012 and based in Charlotte, North Carolina, Creisoft, Inc. utilizes advanced encryption and operates on certified secure servers to ensure data protection.

Business Score integrates with tens of data providers so users can verify a business seamlessly. It’s called a business passport. Reduce drop off on your onboarding flow. Instead of asking your customers to upload numerous documents, they simply sign into their existing accounts. You can add Business Score’s single sign-on into your flow with an easy integration. Instantly pre-qualify leads. Whether you’re giving lending quotes, signing up a business on your SaaS product or onboarding a business to your law firm, our verification is instant. You can either receive the business verification data through a dashboard or via our APIs. Don’t let fraudsters in. Business Score makes sure that the person using your service is associated with the business they’re signing up on behalf of. You can request to know who is signing up for your product and make sure they’re associated with the business.

Obie is a software platform developed by Creisoft, Inc. that connects commercial real estate brokers and investors, streamlining the transaction process within the industry. The platform offers a range of features, including the ability for brokers to create marketing materials, list properties on a public or private marketplace, and manage financial documents and analytics in real time. Investors benefit from access to property teasers and instant delivery of offering memorandums upon signing an electronic confidentiality agreement. Additionally, Obie includes tools for underwriting properties, supported by integrated financial modeling capabilities. The platform serves various asset classes, including office, industrial, retail, and multifamily properties. Founded in 2012 and based in Charlotte, North Carolina, Creisoft, Inc. utilizes advanced encryption and operates on certified secure servers to ensure data protection.

OKCredit simplifies credit account management for shop owners and their customers. It is a mobile based solution that enables recording of credit/payment transactions digitally all across the country. Gaurav Kumar and Aditya Prasad founded it in April 2017, with its headquarters in Faridabad in India.

Sable Money, Inc. is a banking services provider based in New York, New York, established in 2019. The company addresses the challenges faced by individuals looking to build credit in the United States, particularly those who may not have a prior credit history. By partnering with a U.S. banking institution, Sable enables customers to send and receive domestic transfers seamlessly, allowing them to engage with major merchants as American customers. This service helps users establish a good credit score, which is crucial for their professional success in the U.S. Sable's innovative approach facilitates access to banking and credit-building opportunities for those who might otherwise struggle to enter the financial system.

Credy is a full stack lending company for India. Credy offers a mobile credit line with customization for specific end use - such as medical emergency, school fee payments, and debt consolidation.

RedCarpet lends to customers in India to finance their online purchases - ecommerce, travel, etc. RedCarpetUp lends to customers in India that banks cannot see. In India, credit and finance companies are able to service less than 10% of the customer base because there is no data, no widespread credit bureaus to profile and score customers. RedCarpet has access to much more data, including data on your mobile phone. They use this data to service customers who never had any access to credit before. Today their customer segment is young, future-prime students in colleges who use RedCarpetUp to find credit to fund online purchases - ecommerce, travel, etc. Tomorrow they hope to unlock credit to all of India.

Truora, Inc. operates an online platform specializing in background checks and identity theft detection. Founded in 2018 and headquartered in San Francisco, California, with additional offices in Colombia, Mexico, and Brazil, the company utilizes advanced technologies such as optical character recognition (OCR) for digital onboarding, real-time face recognition for user validation, and identity management to streamline the Know Your Customer (KYC) process. Truora's platform can handle over 10,000 checks per hour, offering fast and innovative solutions tailored to the needs of various clients, including national and international retailers, banks, human resource firms, and marketplaces. By leveraging its technical and analytical expertise, Truora ensures a high-quality service experience for its clients' risk management and digital teams.

Credpal is an innovative solution that allows businesses and individuals buy anything and pay for it in instalments across online and offline merchants by providing them with instant access to credit at the point of checkout.

With increasing fraud rates, the need for a credible background check system is more important than ever. Unlike other background check solutions that are manual, expensive and require a ton of documentation, HelloVerify creates a seamless experience through its technology platform that is cost effective and provides results instantly from trusted verification sources. It not only automates data collection and matching but streamlines the entire process from order requests, progress status to final report delivery. HelloVerify helps prevent fraud by finding facts about individuals. The online service acts as a means of authenticating and objectively verifying an individual’s identity, court case status, educational check, credit score and employment history - thereby enabling commercial transactions and hiring decisions to take place between parties. Whether you are a corporate or a startup looking to hire new employees or a homeowner seeking to verify your driver's driving license or a landlord wanting to ascertain your tenant’s payment ability - we provide a wide range of checks at affordable rates and quick turnaround time.

OKCredit simplifies credit account management for shop owners and their customers. It is a mobile based solution that enables recording of credit/payment transactions digitally all across the country. Gaurav Kumar and Aditya Prasad founded it in April 2017, with its headquarters in Faridabad in India.

Credy is a full stack lending company for India. Credy offers a mobile credit line with customization for specific end use - such as medical emergency, school fee payments, and debt consolidation.

With increasing fraud rates, the need for a credible background check system is more important than ever. Unlike other background check solutions that are manual, expensive and require a ton of documentation, HelloVerify creates a seamless experience through its technology platform that is cost effective and provides results instantly from trusted verification sources. It not only automates data collection and matching but streamlines the entire process from order requests, progress status to final report delivery. HelloVerify helps prevent fraud by finding facts about individuals. The online service acts as a means of authenticating and objectively verifying an individual’s identity, court case status, educational check, credit score and employment history - thereby enabling commercial transactions and hiring decisions to take place between parties. Whether you are a corporate or a startup looking to hire new employees or a homeowner seeking to verify your driver's driving license or a landlord wanting to ascertain your tenant’s payment ability - we provide a wide range of checks at affordable rates and quick turnaround time.

Aella Credit provides instant credit solutions that eliminates the hassle of standard loan applications and enables employee to borrow at competitive and fair rates through their employers. Individuals can download the application through Android devices. Benefits of the platform are offered to employees, companies, and investors. The offices of the company are located across the United States and Nigeria.

bxblue is a marketplace for personal loans in Brazil explicitly targeting pensioners and Government workers because they can they take loans secured by their guaranteed income. Because of that banks can deduct the payment directly from the paycheck, leading to an apr 10x lower than credit cards. Payroll secured loans are the most affordable personal loan in Brazil, and they represent 60% of the personal loans in the country. It is a 40bn dollar/year marke, completely offline. We are taking this entire market online.

SMBRate is an online financial platform designed to assist small businesses in obtaining loans and establishing the credit history necessary for qualifying for better loan options. The platform analyzes customer financials to identify the most suitable loan rates and connects business owners with lenders. By offering transparency through data analytics, SMBRate empowers entrepreneurs to navigate the lending process with confidence. It provides educational resources and actionable steps to help business owners secure financing that meets their needs, facilitating a better match between lenders and small businesses.

Collectly, Inc. is a software company based in Walnut, California, founded in 2016, that specializes in debt recovery solutions. The company provides a platform designed to assist healthcare providers in collecting overdue payments from patients. Collectly's software automates the debt collection process by tracking overdue invoices and facilitating communication with customers through various channels, including email and chat. It also analyzes payment data to identify invoices at risk of becoming overdue and automatically engages with customers who have not made timely payments. Additionally, the platform allows users to connect with payment providers, enabling direct receipt of payments into their accounts. Through its services, Collectly aims to streamline the debt recovery process, making it easier for healthcare providers to manage outstanding invoices and improve cash flow.

Aella Credit provides instant credit solutions that eliminates the hassle of standard loan applications and enables employee to borrow at competitive and fair rates through their employers. Individuals can download the application through Android devices. Benefits of the platform are offered to employees, companies, and investors. The offices of the company are located across the United States and Nigeria.

Credy is a full stack lending company for India. Credy offers a mobile credit line with customization for specific end use - such as medical emergency, school fee payments, and debt consolidation.

Naborly uses AI to help landlords and tenants eliminate the stress of the eviction experience by offering an inclusive credit bureau and tenant screening platform, lease protection insurance, and low-interest pay-day lending (12.5%) to help tenants get back on their feet when life throws those unexpected curveballs

PatientBank lets you request medical records online—from any doctor or hospital.

Nova Credit Inc. is a credit reporting agency based in San Francisco, California, that specializes in assisting immigrant consumers. Founded in 2016, the company provides a unique service by translating international credit scores into U.S.-equivalent credit scores. This innovation allows newcomers to access credit in the United States, enabling them to apply for credit cards, loans, and housing without the need to establish a U.S. credit score from the ground up. Nova Credit aims to create a more inclusive financial landscape by facilitating cross-border credit reporting, thereby helping immigrants navigate their financial needs more effectively.

Hellobill is a software that automatically downloads online PDF bills for your accountant.

RedCarpet lends to customers in India to finance their online purchases - ecommerce, travel, etc. RedCarpetUp lends to customers in India that banks cannot see. In India, credit and finance companies are able to service less than 10% of the customer base because there is no data, no widespread credit bureaus to profile and score customers. RedCarpet has access to much more data, including data on your mobile phone. They use this data to service customers who never had any access to credit before. Today their customer segment is young, future-prime students in colleges who use RedCarpetUp to find credit to fund online purchases - ecommerce, travel, etc. Tomorrow they hope to unlock credit to all of India.

Final, Inc. is a fintech company based in Oakland, California, founded in 2014. It focuses on enhancing consumer protection against fraud and theft through its innovative credit card and mobile application. The service allows users to generate multiple credit card numbers, including disposable ones for single-use purchases, thus providing a secure way to engage with various merchants. Users gain insights into their transactions and spending habits while minimizing the risks associated with account breaches and card cancellations. Final aims to empower consumers by offering greater control over their financial interactions, effectively reducing the potential for financial fraud. The company has received venture backing and participated in the Y Combinator accelerator program in 2015.

Arcus Financial Intelligence, Inc. operates an API platform designed for banks and financial institutions, focusing on managing consumer bills and financial data. Founded in 2012 and based in New York, the company provides real-time bill management and payment services, allowing users to understand their financial obligations, including the number of bills, amounts owed, and due dates. Initially established as a cross-border bill payment provider under the name Regalii, the company shifted its focus in 2016 to enhance bill payment data services in the domestic market, introducing products such as xData and xChange. Arcus has established partnerships with notable fintech mobile payment applications, including Santander and Walmart, enabling accessible payment solutions through its multi-rail payment platform. The company has successfully raised significant funding over the years, attracting investments from prominent venture capital firms and Y Combinator.