Y Combinator

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.

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

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.

Satchel makes it easy for companies to rent out unused office space and makes sub-leasing easy.

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.

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.

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.

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.

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

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.

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.

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.

REZI a rental company that uses our proprietary analytics, technology and financial products to improve the rental experience for landlords and tenants alike.

Prelim is a San Francisco-based company that operates an online platform designed for financial institutions, including banks and lenders, to facilitate digital interactions with their customers. The company offers a modern digital origination platform that automates traditionally paper-based processes, significantly enhancing efficiency. Prelim's services streamline the account opening process, allowing both new and existing customers to open accounts in minutes using any device. Additionally, Prelim provides white-labeled software solutions that empower financial institutions to deliver quick and user-friendly experiences across various financial products. This innovative approach aims to simplify the customer journey while ensuring accessibility and speed in financial transactions.

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.

Returnbase offers reverse logistics as a service to help retailers sell returned and excess inventory.

REZI a rental company that uses our proprietary analytics, technology and financial products to improve the rental experience for landlords and tenants alike.

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.

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.

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.