Industry

YC Credit and Lending Companies

89 Y Combinator credit and lending startups with verified founder contacts, batch info, and company data.

Companies

Active

Acquired

Public

YC Company Directory

50 companies

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Company	Batch	Description	Status	Location	Team	Founders	Reveal
Chestnut	X25	The first AI mortgage lender	Active	San Francisco, CA, USA	2	Spencer Brown	Reveal
Copperlane	W26	Agentic Mortgage Origination	Active	San Francisco, CA, USA	2	Athan Zhang, Brianna Lin	Reveal
Proximitty	W26	Autonomous loan servicing and collections	Active	San Francisco, CA, USA	2	Wye Yew Ho, Zi Zhang	Reveal
Invo	W25	AI-Powered Collections Platform for Food Distributors	Active	—	2	Patrick Foster	Reveal
Yenmo	W24	Secured consumer lending in India	Active	Bengaluru, Karnataka, India	5	Ashutosh Purohit, Aryan Agarwal	Reveal
ClickPe	W23	Finance on a Click	Active	Surat, Gujarat, India	2	Shashwat Shrikhande, Saurabh Gupta	Reveal
Paperplane	W23	Credit risk management platform for builders' merchants	Inactive	New York, NY, USA	5	Daniel Kwak, Jack Hopkins, Ben Magolan	Reveal
Paperplane	W23	Credit risk management platform for builders' merchants	Inactive	New York City, NY, USA	5	Daniel Kwak, Jack Hopkins, Ben Magolan	Reveal
Trigo	W23	Rent verification API for landlords and lenders	Acquired	New York City, NY, USA; Remote	4	Sam Stein, Abe Wheeler	Reveal
amiloz	W22	Micro-lender in Mexico	Active	Mexico City, CDMX, Mexico	20	Debashish Bhadra, Gianfranco Gentille	Reveal
BharatX	W22	Enable Buy-Now-Pay-Later in a White-Labelled Manner	Acquired	Bengaluru, Karnataka, India	14	Shyam Murugan, Eeshan Sharma, Siddharth Venu	Reveal
Creizer	W22	Clear.co for LATAM. Revenue based financing for online sellers.	Active	Mexico City, CDMX, Mexico	12	Emiliano Musalem	Reveal
Creizer	W22	Clear.co for LATAM. Revenue based financing for online sellers.	Active	Mexico City, CDMX, Mexico	12	Emiliano Musalem	Reveal
GIMO	W22	We help underbanked workers get paid before payday	Active	Hanoi, Hoàn Kiếm, Hanoi, Vietnam	70	Quan Nguyen	Reveal
GIMO	W22	We help underbanked workers get paid before payday	Active	Hanoi, Hanoi, Vietnam	70	Quan Nguyen	Reveal
Lenk	W22	The next-gen lending platform for the banking system in LATAM.	Active	Santiago, Santiago Metropolitan Region, Chile	18	Guido Galanter, Tomás Gropper, Nicolás Piqueras	Reveal
Numida	W22	Working capital for African micro businesses	Active	Kampala, Uganda	115	Mina Shahid, Catherine Denis	Reveal
PayCrunch	W22	Credit Card for college students based on UPI.	Active	Bengaluru, Karnataka, India	5	Aman Bhayana	Reveal
Perl Street	W22	Financing the next-generation of infrastructure projects	Active	Austin, TX, USA	4	Tooraj Arvajeh	Reveal
Rank (formerly Moni)	W22	Group Financing for small businesses across Africa.	Active	Lagos, LA, Nigeria; Remote	20	Femi Iromini, Adedapo Sobayo	Reveal
Rank (formerly Moni)	W22	Group Financing for small businesses across Africa.	Active	Lagos, Nigeria	20	Femi Iromini, Adedapo Sobayo	Reveal
Wagetap	W22	Advance next payday, and BNPL for bills	Active	Sydney, NSW, Australia	10	Mitchell Stevens, Declan Conlon	Reveal
Wagetap	W22	Advance next payday, and BNPL for bills	Active	Sydney NSW, Australia	10	Mitchell Stevens, Declan Conlon	Reveal
Wibond	W22	Affirm for LATAM	Active	Córdoba, Cordoba, Argentina	30	Ezequiel Bucai, Lucrecia Porta	Reveal
Wibond	W22	Affirm for LATAM	Active	Córdoba, Cordoba, Argentina	30	Ezequiel Bucai, Lucrecia Porta	Reveal
Bueno Finance	W21	Building Chime for India	Acquired	Gurugram, Haryana, India	18	Saurav Gandhi, Sandeep Arora	Reveal
Dayra	W21	Data-driven embedded Financial Services for Gig Workers	Active	Cairo, Cairo Governorate, Egypt	10	Omar Ekram	Reveal
Finley	W21	Streamline your debt capital raise and management	Active	San Francisco, CA, USA	32	Jeremy Tsui, Kevin Suh, Josiah Tsui	Reveal
Finley	W21	Streamline your debt capital raise and management	Acquired	San Francisco, CA, USA	32	Jeremy Tsui, Kevin Suh, Josiah Tsui	Reveal
Kanda	W21	Affirm for general contractors	Active	Birmingham, UK	8	Phillip Daneshyar, Richard Fleeman, Rob Gallagher	Reveal
Krab	W21	Instant loans for trucking companies in India	Inactive	Hyderabad, Telangana, India	9	Vijay Kumar, Yogesh Bathina	Reveal
Kredi	W21	Rocket Mortgage for LatAm.	Active	Monterrey, N.L., Mexico; N.L., Mexico	66	Javier Aldape, JC Mercado, Fernando Nader Giacoman, Hernan Belden	Reveal
Kredi	W21	Rocket Mortgage for LatAm.	Active	Monterrey, Nuevo Leon, Mexico	66	Javier Aldape, Hernán Belden, JC Mercado, Fernando Nader Giacoman	Reveal
Nano Technologies	W21	Payroll app to pay workers daily for retailers & manufacturers in SEA	Active	Hoàn Kiếm, Hanoi, Vietnam	17	Dzung Dang, Thang Nguyen	Reveal
Pesto	W21	—	Active	San Francisco, CA, USA	8	James Savoldelli	Reveal
Pesto	W21	—	Active	San Francisco, CA, USA	8	James Savoldelli	Reveal
R2	W21	Embedded lending infrastructure	Acquired	Mexico City, CDMX, Mexico	100	Roger Larach, Roger Teran	Reveal
Sivo	W21	Debt as a service for companies to lend money to their users at scale.	Active	Vancouver, BC, Canada; San Francisco, CA, USA; Remote	15	Kate Hiscox, Dani Conejo Rico	Reveal
Veritus	S25	AI agents for the consumer lending industry	Active	San Francisco, CA, USA	10	Joshua March, David Schlesinger, Joseph Stein	Reveal
Veritus	S25	AI agents for the consumer lending industry	Active	San Francisco, CA, USA	10	Joshua March, David Schlesinger, Joseph Stein	Reveal
Finosu	S24	AI Native Consumer Loan Servicer	Active	New York City, NY, USA	7	Mark Ricciardi, Gabriel Vincent Kho, Gabriel Vincent Kho	Reveal
Finosu	S24	AI Native Consumer Loan Servicer	Active	—	5	Mark Ricciardi, Gabriel Vincent Kho	Reveal
Cardinal Gray	S23	Automating lenders' interactions with the DMV	Active	New York City, NY, USA	6	Jack Chapman, Muhammad Khattak, Grant Pease	Reveal
Cardinal Gray	S23	Automating lenders' interactions with the DMV	Active	New York, NY, USA	4	Jack Chapman, Muhammad Khattak, Grant Pease	Reveal
Kashin	S22	Credit for the emerging economy in Latam	Active	Lima, Callao Region, Peru; Lima, Lima Province, Peru; Remote	45	Christophe Robilliard, Jose Palacios	Reveal
Abhi	S21	Abhi is Pakistan's 1st financial wellness platform focusing on…	Active	Karachi City, Sindh, Pakistan	10	Omair Ansari, Ali Ladhubhai	Reveal
Baubap	S21	Smart micro financing for everyone	Active	Mexico City, CDMX, Mexico; Remote	150	Roberto Salcedo, Luis Villarreal, Conrad Wilkinson Schwarz	Reveal
Hypercore	S21	Loan management software for private lenders	Active	Tel Aviv-Yafo, Israel	7	Daniel Liechtenstein, Eitan Frailich, Tomer Moshe, David Yahalomi	Reveal
Hypercore	S21	Loan management software for private lenders	Active	Tel Aviv-Yafo, Tel Aviv District, Israel	7	Daniel Liechtenstein, Eitan Frailich, Tomer Moshe, David Yahalomi	Reveal
Karbon Card	S21	Corporate Card solution for Indian businesses	Active	Bengaluru, KA, India	144	Pei-fu Hsieh	Reveal

Batch Distribution

XX251 WW262 WW251 WW241 WW234 WW2216

Status Breakdown

Active68 Acquired15 Inactive6

Top Locations

San Francisco20 New York City7 Mexico City7 São Paulo7 Bengaluru6 New York3

About YC Credit and Lending Companies

Y Combinator has funded 89 credit and lending companies since its founding in 2005. These startups span from early-stage pre-launch to publicly traded companies, making YC one of the most prolific backers of credit and lending innovation globally.

68 of these companies are currently active. 15 have been acquired. VCBacked tracks verified founder contact information, team sizes, and company status for every YC credit and lending startup.

Related Industries

B2B3278 Healthcare805 Fintech709 Consumer654 Engineering, Product and Design610 Industrials489 Infrastructure303 Productivity208

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