Y Combinator

Sribuu is an Indonesia-based personal financial application aimed at enhancing users' financial literacy and management skills. The app provides tools for recording and analyzing spending by automatically tracking transactions from major banks and e-wallet services. This functionality helps users monitor their income and expenses more effectively. By offering personalized recommendations based on individual financial habits, Sribuu empowers users to make informed financial decisions and develop better money management strategies.

India's first property investment marketplace to invest in hand-picked commercial and residential investment-grade properties online with detailed algorithm generated financial analysis.

SproutFi is an application that allows investing in the US stock market and works as a social network.

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

Cabal is a private workspace to send, ask & update, track contributions, and scale the advisory program for founders &investors.

India's first property investment marketplace to invest in hand-picked commercial and residential investment-grade properties online with detailed algorithm generated financial analysis.

Community-powered writing workflow driven by some of the internet's best writers, editors, and experts.

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.

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.

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.

An investing social platform where you can talk about investments with friends and make trades on the market. Y Combinator Winter 2021 Batch.

Jumpstart is a social e-commerce platform that engages in helping entrepreneurs to manage their ongoing compliance in real-time.

Queue enables creatives in the passion economy to start and scale their business online in the easiest way possible. We make it easy for you to manage clients, give feedback on any media files in real time, get paid faster, and build an online portfolio that gets you hired more. Used by thousands of video producers, esport coaches, and much more every day. Powering their business end-to-end.

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.

CrowdForce is a company that operates an offline distribution network focused on market research and financial services. Founded in 2016 and headquartered in San Francisco, California, CrowdForce leverages mobile technology to facilitate the mass adoption of digital, cryptocurrency, and financial services. The company collaborates with businesses, banks, digital wallets, multinational organizations, NGOs, and government agencies to effectively reach underserved populations in various communities. By providing innovative solutions and a global agent network, CrowdForce aims to enhance access to essential services and drive engagement in financial literacy and technology adoption.

Flockjay, Inc. is an online sales academy based in San Francisco, California, that focuses on empowering diverse jobseekers, particularly those from underrepresented communities, to enter the tech industry. Founded in 2018, Flockjay offers hands-on training in various sales techniques, including inbound qualification, outbound prospecting, and mastering modern sales tools. The academy provides comprehensive support that includes resume workshops, interview coaching, and networking opportunities. Additionally, it guarantees final round interviews with top companies, ensuring students have access to high-paying job opportunities. By removing financial barriers, Flockjay aims to make tech careers accessible to individuals from all backgrounds and locations.

Portal is an innovative digital video sharing platform that changes how people earn money from their content. Portal has no secret algorithms that tracks every move instead, viewers can instantly send creators $0.10-$100 to show their appreciation.

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.

Ysplit Inc. is a company based in Sunnyvale, California, that specializes in virtual debit cards designed for group payments. Its innovative platform allows group members to automatically contribute their share of expenses, streamlining the payment process for collaborative transactions. By eliminating the need for one individual to cover the entire cost or to rely on peer-to-peer payment applications, Ysplit enhances the experience of managing shared costs. The company aims to redefine group spending by fostering a more efficient and transparent approach to collaborative cash management.

Flockjay, Inc. is an online sales academy based in San Francisco, California, that focuses on empowering diverse jobseekers, particularly those from underrepresented communities, to enter the tech industry. Founded in 2018, Flockjay offers hands-on training in various sales techniques, including inbound qualification, outbound prospecting, and mastering modern sales tools. The academy provides comprehensive support that includes resume workshops, interview coaching, and networking opportunities. Additionally, it guarantees final round interviews with top companies, ensuring students have access to high-paying job opportunities. By removing financial barriers, Flockjay aims to make tech careers accessible to individuals from all backgrounds and locations.

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.

Fintual is a digital investment platform that caters to young professionals looking to make informed investment decisions. The company offers financial advisory services that leverage artificial intelligence to assess clients' risk profiles. Based on this analysis, Fintual provides personalized investment recommendations, helping users to navigate the complexities of investing. The platform aims to empower clients with fundamental financial knowledge, enabling them to manage and grow their investments online effectively.

Delphia Inc., founded in 1993 and based in Toronto, Canada, specializes in creating artificial intelligence-driven surveys designed to assist individuals in making informed decisions regarding careers, education, finances, and health. The company has developed an innovative investment platform that allows users to convert their personal data into investment capital. By sharing personal insights and opinions, individuals can leverage their data to enhance their investment potential, marking a significant shift in how wealth can be built without requiring initial financial resources. Delphia emphasizes the secure use of shared information, ensuring that it is solely utilized to optimize investment returns for its users.

World's first stem cell marketplace - connecting willing donors with patients in need to help facilitate stem cell transplants

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.

Piggy started with the idea that a technology-driven, user-focused service can solve the investing problem in India. They constantly strive to make investing a more simple and more rewarding experience for you. By leveraging technology and keeping their costs low they give you access to commission free service so you can make more out of your money.

Change.org is the world’s largest social change platform with over 150 million users in 196 countries. Change.org empowers anyone, anywhere, to create the change they want to see. On Change.org, people everywhere are starting campaigns, mobilizing supporters, and working with decision-makers to drive solutions. Change.org is a certified B-corporation, a new class of companies dedicated to positive impact. Investors include Bill Gates, Arianna Huffington, Ev Williams, Richard Branson, Reid Hoffman, and the Omidyar Network, started by eBay founder Pierre Omidyar.

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.

Fellow is creating a new way to finance working capital.They're making it possible for the best technology companies to focus on growth,recover CAC and not worry about operating expenses.

Hingeto builds powerful crowd funding stores for brands. It develops and operates crowdfunding sites that let fashion brands test demand for new designs without having to produce them upfront. Payment methods such as Visa, MasterCard, Discover, and American Express are accepted at checkout. It provides products such as caps, ties, dresses, jackets, hoodies, accessories, and pillows. Hingeto was founded in 2015.

Hingeto builds powerful crowd funding stores for brands. It develops and operates crowdfunding sites that let fashion brands test demand for new designs without having to produce them upfront. Payment methods such as Visa, MasterCard, Discover, and American Express are accepted at checkout. It provides products such as caps, ties, dresses, jackets, hoodies, accessories, and pillows. Hingeto was founded in 2015.

CrowdMed, Inc. is a healthcare technology company based in San Francisco, California, established in 2012. It utilizes a prediction market platform to address complex medical issues by tapping into the collective intelligence of a network of medical detectives, which includes licensed physicians, medical students, and other healthcare professionals. This innovative approach allows CrowdMed to provide patients with potential diagnoses and solutions for undiagnosed or chronic symptoms that have eluded traditional medical practices. By combining the insights of numerous contributors, CrowdMed aims to deliver accurate and timely medical suggestions, thereby streamlining the healthcare process. The company seeks to become a trusted resource for millions of patients facing challenging medical conditions.

GiveCampus, Inc. provides a social fundraising and engagement platform for higher education. It blends crowdfunding with peer-to-peer fundraising and integrates with social networking tools to make philanthropy more social, interactive, and fun. It allows alumni, students, parents, friends, faculty, and staff to connect with their school and with one another around philanthropy. The company is headquartered in Washington, District Of Columbia.

New Story crowdfunds houses for homeless families living in danger around the world. 100% of all donations go directly to building homes and every donor receives a video of the exact family moving into their new home for full accountability. newstorycharity.org

Enterprise fundraising, volunteer and donor management software to help you spend less time on administration and more time building lasting relationships with your patrons.

Change.org is the world’s largest social change platform with over 150 million users in 196 countries. Change.org empowers anyone, anywhere, to create the change they want to see. On Change.org, people everywhere are starting campaigns, mobilizing supporters, and working with decision-makers to drive solutions. Change.org is a certified B-corporation, a new class of companies dedicated to positive impact. Investors include Bill Gates, Arianna Huffington, Ev Williams, Richard Branson, Reid Hoffman, and the Omidyar Network, started by eBay founder Pierre Omidyar.

Local Lift Inc. owns and operates a crowd-funding platform that helps small businesses raise funds from customers and communities in exchange for rewards and perks. It serves projects in Austin and New Orleans. The company was founded in 2014 and is based in Mountain View, California.

Inkshares is a social platform that conflates the mechanics of crowdfunding with the distribution of traditional publishing to change the economics of book publishing. The authors submit book ideas and the readers share them, collaborate with authors, and pre-order their books. They publish books that hit their pre-order goal. Votes are cast with money as pre-orders, readers end up subsidizing their production costs. This greatly reduces their risk profile, meaning if a book doesn’t sell, the worst they can do is break even. Inkshares probes for hits without losing money. And it’s because of this model that they can pay authors 50% of gross revenue for print sales and 70% for ebook sales.

Inkshares is a social platform that conflates the mechanics of crowdfunding with the distribution of traditional publishing to change the economics of book publishing. The authors submit book ideas and the readers share them, collaborate with authors, and pre-order their books. They publish books that hit their pre-order goal. Votes are cast with money as pre-orders, readers end up subsidizing their production costs. This greatly reduces their risk profile, meaning if a book doesn’t sell, the worst they can do is break even. Inkshares probes for hits without losing money. And it’s because of this model that they can pay authors 50% of gross revenue for print sales and 70% for ebook sales.

RealCrowd builds relationships with commercial real estate companies and invests directly in their investment opportunities. This unique crowd-based equity platform was created by experienced commercial real estate investment professionals to allow to decide where the money is invested by offering direct investments. Pooling money with other like-minded investors and working with a seasoned real estate operator with the skills, knowledge, and experience to optimize the asset will remove the traditional barriers to entry that typically exist in commercial real estate investing.

Zidisha is the only peer-to-peer lending service to connect individual lenders directly with microfinance borrowers in low-income countries. Zidisha is based on the conviction that small-scale entrepreneurs in developing countries are capable of interacting responsibly with peer-to-peer lenders via a self-regulating web platform, without needing local intermediaries to communicate and manage loan transactions on their behalf. Though there are other microlending websites that allow individuals to contribute funds toward microloans of their choice, all of them rely on local microfinance organizations to communicate with lenders, create loan applications and collect repayments. In these intermediated microlending platforms, the communication is all one way, so that the borrower is often unaware of the lenders who funded his or her loan. The average intermediary organization adds over 30% - sometimes as much as 100% - in fees and interest to loans raised through these websites to cover its own administrative expenses. Such high interest rates reduce borrowers' profits, sometimes to the point of making them poorer than they were before they received the loan. Unlike the postings on other microlending platforms, the loan applications and comments posted on Zidisha's loan pages are written by the borrowers themselves. This opens the way for dialogue between lenders and borrowers, so that lenders can receive answers to their inquiries about the loan and business directly from the entrepreneur they are funding. Eliminating unnecessary intermediaries also decreases cost of the loans. The average Zidisha borrower pays only about 8% (flat rate) in annual interest and fees, including interest paid out to lenders. This is far below the rates traditionally charged for microfinance loans in developing countries. Reducing interest costs allows the entrepreneurs to keep more of their profits, so that the loans have greater impact in reducing poverty.

Unicorn.ly is an angel investing platform to help angels collaborate to source, evaluate, mentor, and invest in the most promising startups.

Crowdery is an online platform, allowing its users to vote on their favorite product design out of a set. It then builds its users a personalized marketplace of their top picks, and top products are opened for them to pre-order at a discount. Crowdery was launched in 2013 by [Maran Nelson](https://www.crunchbase.com/person/maran-nelson) and [Aditya Viswanathan](https://www.crunchbase.com/person/aditya-viswanathan). It is based in Mountain View, C.A.

Platform for influencers to fundraise for their favorite causes through the offering of once-in-a-lifetime experiences and rewards to their fans. Prizeo has already worked with top celebrities such as Kobe Bryant, One Direction, Muhammed Ali, Kristen Bell, and Alicia Keys.

Swish aggregates the best pre-orders from across the internet. Most of the products you see are being sold by other websites. If you see something you like, you can click through and purchase on that website. Swish has no particular relationship with these sites, they just link to them. Sometimes they write us thank-you notes. Some of the products are sold by Swish directly. Look for their rocket logo to recognize Swish direct products. When you check out on Swish.com, your purchase is guaranteed. You'll receive the item within a year or your money back. Is Swish crowdfunding? Not quite. However, tons of great products are available for pre-order on crowdfunding websites.

Wefunder is a crowd investing platform that offers capital raising services. The company's online platform offers investment services to startups through its investors' userbase and disruptive companies can receive amount as small as hundred dollars, enabling companies to grow and develop their businesses.

Watsi, Inc. is a non-profit organization that operates a crowdfunding platform focused on healthcare. Founded in 2011 and based in San Francisco, California, Watsi allows individual donors to directly fund medical care for patients in developing countries who lack the financial means for treatment. The organization ensures that all funds collected are transferred directly to the patients, as its operational costs are covered through separate means. Donors can opt for automatic monthly donations, receiving updates about the patients they support, including introductions and care updates via email. Watsi's mission is to provide accessible healthcare by connecting those who can help with those in need.

RealCrowd builds relationships with commercial real estate companies and invests directly in their investment opportunities. This unique crowd-based equity platform was created by experienced commercial real estate investment professionals to allow to decide where the money is invested by offering direct investments. Pooling money with other like-minded investors and working with a seasoned real estate operator with the skills, knowledge, and experience to optimize the asset will remove the traditional barriers to entry that typically exist in commercial real estate investing.

CrowdMed, Inc. is a healthcare technology company based in San Francisco, California, established in 2012. It utilizes a prediction market platform to address complex medical issues by tapping into the collective intelligence of a network of medical detectives, which includes licensed physicians, medical students, and other healthcare professionals. This innovative approach allows CrowdMed to provide patients with potential diagnoses and solutions for undiagnosed or chronic symptoms that have eluded traditional medical practices. By combining the insights of numerous contributors, CrowdMed aims to deliver accurate and timely medical suggestions, thereby streamlining the healthcare process. The company seeks to become a trusted resource for millions of patients facing challenging medical conditions.

Experiment Inc. operates as an online crowdfunding site that focuses on science. Its platform enables users to discover and experience new scientific discoveries in the areas of biology, ecology, paleontology, art and design, chemistry, physics, medicine, political science, social science, materials science, neuroscience, data science, economics, earth science, psychology, engineering, computer science, education, anthropology, and mathematics. Experiment Inc. was formerly known as Microryza Inc. and changed its name to Experiment Inc. in February 2014. The company was founded in 2010 and is based in San Francisco, California.

Amicus empowers cause-driven organizations to leverage the social networks of their supporters, raise more money, attract more members, and win more votes.

FundersClub is a California-based venture capital firm founded in 2012, specializing in seed and early-stage investments across various sectors, including technology, healthcare, and consumer goods. As the first online venture capital platform, it aims to democratize access to venture funding for startups. The firm has a diverse portfolio featuring notable companies such as Coinbase, Instacart, and GitLab. FundersClub has garnered support from prominent investors, including Y Combinator, Andreessen Horowitz, and Spark Capital, allowing it to leverage a robust network in the startup ecosystem. Its focus on early-stage companies reflects a commitment to fostering innovation and growth in emerging markets.

Swish is a payment service based in Stockholm, Sweden.

Crohnology is creating a patient-powered research platform that allows any patient to contribute to research for their own condition.

BackerKit simplifies the post-campaign fulfillment process by helping project creators handle all the realities of crowdfunding. It allows its clients to survey, collect data, accept pre-orders, and process pledges for fulfillment. BackerKit was founded in 2012 by Rosanna Yau and Maxwell Salzberg and is based in San Francisco, California.

Crowdbooster is an internet company that specializes in social analytics software aimed at enhancing social media marketing efforts. The platform enables advertisers and content creators to effectively transact in sponsored content while providing tools to measure and optimize their social media strategies. By offering insights into the best times to share content and the most effective audiences to engage, Crowdbooster helps marketers make informed decisions to improve their outreach and overall effectiveness in the digital landscape.

SocialPicks provides individual investors with a trusted online investing community where they can invest smarter together.