Y Combinator

Zippi Soluções de Crédito Ltda is a digital platform based in São Paulo, Brazil, that specializes in providing loans to application drivers working with ride-hailing services such as Uber, 99, and Cabify. Focusing on gig workers in Latin America, Zippi aims to address the financial needs of this growing segment by offering tailored financial services that cater specifically to their unique circumstances.

Kapital SmartBank provides Mexican small and medium businesses and their employees with next generation mobile banking and financial services in smart banking. Its line of products include online loans directly through its website and money ready in client's account in seconds, online payroll systems to send paychecks to employees with one click, and accounts receivables accounting displayed in an easy-to-use and 100% secure web and mobile dashboard, so that its clients can see and have control of all their finances in one single place. Its loans, payroll cards for employees, and corporate expenses cards have the support of Visa® and Mastercard® international technology.

Lemonade Finance is a digital bank for the African diaspora. We provide our users with accounts in their country of residence and country of origin for personal and business banking needs.

Lemonade Finance is a digital bank for the African diaspora. We provide our users with accounts in their country of residence and country of origin for personal and business banking needs.

Lendflow provides tools to allow software companies to launch great business credit products. We provide a lending widget and API to best-in-class lending infrastructure that software companies can quickly integrate into their website or app so their business users can apply for, receive and monitor business financing.

Lendflow provides tools to allow software companies to launch great business credit products. We provide a lending widget and API to best-in-class lending infrastructure that software companies can quickly integrate into their website or app so their business users can apply for, receive and monitor business financing.

Hypercore is a developer of cloud-based software aimed at transforming lending operations for private lenders. The platform offers a comprehensive suite of lending products, including commercial and retail lending, venture debt, small business lending, mortgage lending, real estate lending, invoice factoring, merchant cash advances, and e-commerce lending. Hypercore's technology streamlines processes, automates compliance, and enhances portfolio management, all tailored to meet the specific needs of each lender. This end-to-end infrastructure not only improves operational efficiency but also provides real-time analytics and key performance indicators, enabling lenders to make informed decisions and optimize their product creation, delivery, and management.

Baubap is a developer of a microlending financial platform focused on providing personal loans. The platform allows customers to access instant loans through a user-friendly application, eliminating the need for extensive documentation and complex procedures. This streamlined process enables users to apply for loans conveniently, anytime and anywhere, enhancing accessibility to financial support.

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.

Luable is a fintech company that enables users to compare and invest in high yield savings account without stepping into a bank.

Level is a fintech financing platform that buys loans from fintech startups helping them gain access to capital to scale faster.

Bree is building a challenger bank for the 11 million Canadians living paycheck to paycheck, starting with interest-free cash advances. We make money through tips and an optional, same-day express fee. By solving our customers' most urgent problem—illiquidity between paychecks —our cash advance business is a cheap, but profitable and repeatable hook that builds distribution for a broader challenger bank.

Levo helps you get better returns for your savings without changing banks.

Prodigal Technologies, Inc. specializes in software solutions that enhance the servicing and collections processes for lenders. Founded in 2018 and based in the United States, the company aims to improve borrower interactions by offering multiple engagement channels and prioritizing account management to boost portfolio value. Its platform includes features such as a virtual agent assistant, a post-conversation note generator, and an automatic call quality assurance analyzer. These tools are designed to help lenders, collection agencies, and healthcare revenue cycle management improve operational efficiency, increase revenue, and ensure compliance, all while delivering a customer experience that matches the quality of service provided at the time of loan origination.

Finantier operates an open finance platform that delivers essential infrastructure and data products for businesses in Southeast Asia. Founded in 2020 and based in Jakarta Selatan, Indonesia, the company enables institutions to access and enrich datasets from various financial sources, including banks and financial companies. Its platform facilitates services such as account integration, income and identity verification, and recurring payment management. By utilizing application programming interfaces (APIs), Finantier allows businesses to build advanced financial services that integrate consumer data from personal bank accounts, card details, loans, and mortgages. The company aims to position itself as a central player in the region's digital economy.

HonestRobin provides financial education and access to no-interest cash advance and FDIC insured & high-interest saving accounts. Through our gamified tools and weekly rewards(upto $10 Million), We encourage users to save and invest.

Lendflow provides tools to allow software companies to launch great business credit products. We provide a lending widget and API to best-in-class lending infrastructure that software companies can quickly integrate into their website or app so their business users can apply for, receive and monitor business financing.

Kashin is a microlending application that provides small loans to underbanked individuals. The platform assesses risk by utilizing social reputation scores and smartphone-based variables. Users have the ability to increase their credit limits and lower interest rates based on their credit behavior and the actions of their first-degree referrals. This approach aims to enhance access to credit for those who may have limited options in traditional lending markets.

Purpose is a financial services provider that focuses on aligning users' financial decisions with their personal values. Through its digital banking platform, it offers a range of financial tools and resources aimed at promoting responsible banking and helping individuals grow their personal wealth. Additionally, Purpose assists businesses in securing the necessary capital and partnerships to connect with audiences that share similar ethical values. By encouraging users to support ethical businesses and brands, Purpose aims to foster a sustainable economy where financial choices reflect individual and collective values.

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.

A virtual bank, money transfer and P2P lending beyond the borders on the blockchain. Helping 100 of millions of bank and unbanked people in Latin to get access to the banking and lending system and also make a quick profit while lending to the people in their neighborhood with trust. The first quick approved microloans without any documentation. A network builds by people for people.

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.

Finantier operates an open finance platform that delivers essential infrastructure and data products for businesses in Southeast Asia. Founded in 2020 and based in Jakarta Selatan, Indonesia, the company enables institutions to access and enrich datasets from various financial sources, including banks and financial companies. Its platform facilitates services such as account integration, income and identity verification, and recurring payment management. By utilizing application programming interfaces (APIs), Finantier allows businesses to build advanced financial services that integrate consumer data from personal bank accounts, card details, loans, and mortgages. The company aims to position itself as a central player in the region's digital economy.

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.

Lendtable Inc. is a financial services company founded in 2020 and headquartered in San Francisco, California. It specializes in providing cash advances and wealth-building loans to income-constrained individuals, specifically aimed at enhancing their retirement savings through employer-matched 401(k) accounts. Lendtable offers clients the necessary funds to secure their employer match, which they repay through service fees. The company's mission is to help individuals supplement their monthly income and improve their financial stability, thereby promoting long-term wealth accumulation.

Letter is a beautifully designed banking and financial platform made exclusively for high net-worth individuals. We make it easy to give customized debit cards to family members and staff, automatically donate to charity, and get access to exclusive investment and lending opportunities through our marketplace.

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.

Perch Credit (also known as Perch), is a fin-tech mobile app that allows users to take common recurring expenses, such as their subscriptions & rent, and turn these into creditworthy data points. Perch is currrently live on iOS and plans to be on Android in the coming months. Perch recently graduated YC (S20) and closed 2.5M in their most recent round.

We started Clara to help individuals and families finance their lives in a more efficient, transparent, and empowered way. We started with one of life’s most important financial decisions -- a home. We are building technology to reduce the time and cost it takes to originate a mortgage and creating a more personalized, clear experience for our customers.

A virtual bank, money transfer and P2P lending beyond the borders on the blockchain. Helping 100 of millions of bank and unbanked people in Latin to get access to the banking and lending system and also make a quick profit while lending to the people in their neighborhood with trust. The first quick approved microloans without any documentation. A network builds by people for people.

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.

Lendtable Inc. is a financial services company founded in 2020 and headquartered in San Francisco, California. It specializes in providing cash advances and wealth-building loans to income-constrained individuals, specifically aimed at enhancing their retirement savings through employer-matched 401(k) accounts. Lendtable offers clients the necessary funds to secure their employer match, which they repay through service fees. The company's mission is to help individuals supplement their monthly income and improve their financial stability, thereby promoting long-term wealth accumulation.

Grain Technology, Inc. is a financial technology company based in Oakland, California, established in 2017. The company has developed a mobile application that offers a revolving line of credit linked to users' existing debit cards, utilizing their income and cash flow data. This innovative platform serves as an alternative to traditional credit cards, allowing individuals and businesses to access credit without the need for a separate card. By focusing on responsible lending practices, Grain aims to provide a solution that helps users manage their finances effectively while minimizing the risk of accumulating unnecessary debt.

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.

Breezeful Inc. is an online mortgage brokering platform based in Toronto, Canada, that was founded in 2020. The company specializes in helping consumers secure home mortgages by qualifying them with over 100 lenders and alternative financing options. Utilizing machine learning technology, Breezeful negotiates with lenders to compare rates and close deals, aiming to provide users with the best possible mortgage financing solutions. Through its innovative approach, Breezeful strives to simplify the mortgage process and ensure that customers receive competitive rates tailored to their financial needs.

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

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.

UpEquity is a technology-driven mortgage platform based in Austin, Texas, that aims to enhance the home buying experience. Founded in 2019 by Tim Herman and Louis Wilson during their time at Harvard Business School, UpEquity focuses on simplifying the mortgage and refinance processes for borrowers. The company's online portal allows users to easily upload documents for pre-approval, streamlining the overall experience. By reinventing traditional mortgage practices, UpEquity seeks to create a more favorable economic landscape for homebuyers, making the process quicker and more efficient.

Apurata is a financial services platform aimed at providing accessible credit to the middle-class population in Latin America, particularly targeting the unbanked and underbanked segments. The company leverages proprietary technology and streamlined origination processes to facilitate quick access to small loans, personal credits, and online loans. With a focus on the Peruvian market, Apurata addresses a significant opportunity in the region, estimated at $3 billion, as part of a larger $25 billion market across Latin America. The platform allows users to apply for credit digitally, enabling them to receive funding in less than thirty minutes. Apurata is actively expanding its operations and is seeking to hire professionals in various roles, including software development, risk management, operations, customer service, and collections.

GradJoy manages your student loans — helping you save money and be debt-free faster.

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.

Zippi Soluções de Crédito Ltda is a digital platform based in São Paulo, Brazil, that specializes in providing loans to application drivers working with ride-hailing services such as Uber, 99, and Cabify. Focusing on gig workers in Latin America, Zippi aims to address the financial needs of this growing segment by offering tailored financial services that cater specifically to their unique circumstances.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, India.

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.

Goodly makes it easy for companies to offer student loan debt repayment as an employee benefit. Companies that offer this simple to use platform cut down the time that their employees would otherwise be in debt by an average of 8 years. A meaningful benefit for companies who care.

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.

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.

They help you earn the best rate of return on the idle cash currently sitting in your bank account. The securities we buy are always held in your name, and you earn the global U.S Treasury market rate.

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.

Prodigal Technologies, Inc. specializes in software solutions that enhance the servicing and collections processes for lenders. Founded in 2018 and based in the United States, the company aims to improve borrower interactions by offering multiple engagement channels and prioritizing account management to boost portfolio value. Its platform includes features such as a virtual agent assistant, a post-conversation note generator, and an automatic call quality assurance analyzer. These tools are designed to help lenders, collection agencies, and healthcare revenue cycle management improve operational efficiency, increase revenue, and ensure compliance, all while delivering a customer experience that matches the quality of service provided at the time of loan origination.

Hypcloud provides a digital platform for commercial real estate financing. We support real estate developers and investors with their financing by providing access to suitable lenders and the online tools to request, close and manage financings successfully.

Goodly makes it easy for companies to offer student loan debt repayment as an employee benefit. Companies that offer this simple to use platform cut down the time that their employees would otherwise be in debt by an average of 8 years. A meaningful benefit for companies who care.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, 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.

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.

Sandbox Banking strives to provide personalized and cost-effective investment solutions. It is a universal adapter for banks and credit unions. It is designed to be the next generation of robo-advisor and to be used by industry professionals without programming expertise — anyone who is comfortable with Excel formulas can use the platform to build complex integrations. It empowers banks, credit unions, and vendors to quickly/securely integrate new software with legacy banking systems.

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.

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.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, India.

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

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.

LendUp Loans, LLC is an online lending service based in Oakland, California, founded in 2011. The company focuses on providing financial solutions for individuals who struggle with access to mainstream banking due to poor credit or unstable incomes. LendUp offers a variety of credit products, including single-payment loans, installment loans, and credit cards, while also integrating educational resources into their offerings. This approach aims to empower borrowers by equipping them with the knowledge and tools needed to improve their financial health and break free from cycles of debt. The company's technology and products are developed in-house, reflecting its commitment to creating accessible financial solutions for underserved populations.

Lendsnap, Inc. is an online platform that simplifies the process of gathering and sharing mortgage documents. Founded in 2014 and based in Oakland, California, Lendsnap enables lenders to efficiently search, upload, download, and manage financial documents while providing access to shared credit decision data. The platform acts as a concierge for mortgage lenders, automating the collection of essential documents by linking directly to borrowers' financial accounts. This automation includes the retrieval of original documents such as bank statements, W-2s, tax returns, and pay stubs, facilitating effective communication between borrowers and loan officers. By streamlining these processes, Lendsnap enhances the overall experience for both lenders and borrowers in the mortgage industry.

Landed, Inc. is a financial services company based in San Francisco that assists essential professionals, particularly in education and healthcare, in purchasing homes and achieving financial stability within their communities. Founded in 2015, Landed provides debt-free financing options, allowing homebuyers to receive funds in exchange for a share of their home's value upon refinancing or selling. The company collaborates with schools, employers, and affinity networks to establish and manage down payment support funds, facilitating access to homeownership for teachers, school staff, and other professionals. Additionally, Landed offers personalized support through a dedicated team, including partner agents and homebuying experts, to help clients navigate their home-buying options and provide education on the process.

LendEDU is an online marketplace that provides consumers with a platform to compare and learn about various personal finance products. Launched in November 2014 initially as a service for student loan refinancing, the company has since broadened its offerings to include student loans, personal loans, auto loans, mortgages, insurance products, and credit cards. Users can explore different financial options and rates without any obligation to commit to a lender, making it a valuable resource for individuals seeking to make informed financial decisions. LendEDU operates as a free service, ensuring accessibility for all users.

Stilt Inc., a financial technology company, provides collateral free personal loans to international students and graduates. It offers loans for immigrants, visa holders, and the underserved individuals with no credit history in the United States. The company was founded in 2015 and is based in San Francisco, California.

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.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, India.

Direct Match Holdings Inc., a FINRA registered broker-dealer, offers central limit order book (CLOB) in the U.S. Treasury market. It offers CLOB for cash the U.S. Treasuries to provide a centralized platform for government debt trading. It provides trading in a CLOB for the U.S. Treasury notes and bonds. The company was incorporated in 2014 and is based in New York, New York.

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.

OwnersCircle provides small business owners with the online tools and financial information that they need in order to navigate the complex world of business financing. The reality is that there is no easy way to search for small business financial products, which creates a headache for already time-strapped business owners. Recent reports show that owners spend an enormous amount of time (25 hrs on average) searching and applying for loan products, with many focusing on lenders that have high rejection rates and long, complex processes.

Theorem operates an investment management platform that leverages machine learning and data science to invest in loans from online lending platforms. Founded in 2014, the company initially managed $50,000 in assets and has since grown to manage over $800 million in assets under management, with a significant increase over the past few years. Theorem's approach combines statistical analysis with credit assessments and human insights, which enables it to generate strong yields across various economic conditions. This dual focus benefits both investors, who receive attractive returns, and borrowers, who gain access to low-interest loans. The leadership team includes experienced professionals with backgrounds in finance and technology.

Style Lend (formerly Stylend) is a fashion rental marketplace. Style Lend helps women look amazing at any event by allowing her to borrow the perfect dress at a tenth of the retail price from another stylish woman. At the same time StyleLend allows women to monetize their dresses by lending them out to other women, without having to sell them.

LendUp Loans, LLC is an online lending service based in Oakland, California, founded in 2011. The company focuses on providing financial solutions for individuals who struggle with access to mainstream banking due to poor credit or unstable incomes. LendUp offers a variety of credit products, including single-payment loans, installment loans, and credit cards, while also integrating educational resources into their offerings. This approach aims to empower borrowers by equipping them with the knowledge and tools needed to improve their financial health and break free from cycles of debt. The company's technology and products are developed in-house, reflecting its commitment to creating accessible financial solutions for underserved populations.

Stripe, Inc. is a technology company that develops application programming interfaces (APIs) and tools for businesses to accept and manage online payments. Its offerings include a comprehensive suite of products such as Payments for payment processing, Subscriptions for managing recurring billing, and Stripe Connect for routing and payouts to third parties. Additionally, Stripe provides tools like Stripe Radar for fraud detection, Stripe Elements for customizable payment forms, and Stripe Checkout for seamless payment acceptance across devices. The company supports various international credit and debit cards and serves a diverse clientele, including e-commerce, B2B platforms, and non-profits across several countries, including the United States, Canada, the United Kingdom, and Australia. Founded in 2010 and headquartered in San Francisco, California, Stripe aims to enhance the economic infrastructure of the internet, facilitating growth for businesses of all sizes. The company also addresses financing challenges for online businesses through Stripe Capital, which offers fast and flexible funding solutions.