Industry

YC Credit and Lending Companies

59 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
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
Trigo	W23	Rent verification API for landlords and lenders	Acquired	New York, NY, USA	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
GIMO	W22	We help underbanked workers get paid before payday	Active	Hanoi, Hoàn Kiếm, 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, 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
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
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, 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
R2	W21	Embedded lending infrastructure	Acquired	Mexico City, CDMX, Mexico	75	Roger Larach, Roger Teran	Reveal
Sivo	W21	Debt as a service for companies to lend money to their users at scale.	Active	San Francisco, CA, USA	15	Kate Hiscox, Dani Conejo Rico	Reveal
Breezeful	W20	An online mortgage broker. Get the best mortgage, fast.	Active	Toronto, ON, Canada	6	Anthony De Guzman, Ade Labinjo	Reveal
Facio	W20	Salary advance to employees in Brazil.	Active	—	36	Márcio Dos Santos, Saulo Tristao, Ticiano Vieira	Reveal
Grain	W20	Grain transforms the debit card you already have into a credit card…	Active	Oakland, CA, USA	30	Patrick De Suza, Christian-Robert Joseph, Carl-Alain Memnon	Reveal
Jenfi	W20	Jenfi provides revenue-based financing for digital businesses in Asia	Active	Singapore	18	Jeffrey Liu, Justin Louie	Reveal
Karat Financial	W20	Better financial services for creators	Active	San Francisco, CA, USA	40	Will Kim, Eric Wei	Reveal
Kosh	W20	Creating Microfinance 2.0.	Active	Gurugram, Haryana, India	56	Sahil Bansal, Aayush Goel	Reveal
Nexu	W20	Financing platform for LatAm car dealerships.	Active	Mexico City, CDMX, Mexico	63	Fernando Gomez Arriola, Abdon Nacif	Reveal
Accept.inc (formerly BoardRE)	W19	BoardRE is a new type of mortgage company that upgrades any offer…	Acquired	Denver, CO, USA	80	Thom Adams, Nick Friedman, Adam Pollack	Reveal
Kovi	W19	Making car ownership more inclusive, flexible and simple.	Acquired	São Paulo, State of São Paulo, Brazil	890	ADHEMAR MILANI NETO	Reveal
Seawise Capital	W19	Trade finance company for Indian exporters	Acquired	New Delhi, Delhi, India	3	Kunal Rajvanshi, Vidur Jain, Manish Pal	Reveal
ErudiFi	W18	Digital financial services for students in Southeast Asia	Active	Singapore	88	Susli Lie, Naga Tan	Reveal
OneFin	W17	Shopify for Financial Services	Active	Bengaluru, Karnataka, India	50	Pratish Gandhi, Harshit Vaishnav	Reveal
Landed	W16	White-labeled shared appreciation down payment programs for employers	Acquired	San Francisco, CA, USA	2	Jonathan Asmis, Alex Lofton	Reveal
Stilt	W16	Financial products for immigrants (acquired by JG Wentworth)	Acquired	San Francisco, CA, USA	35	Rohit Mittal, Priyank Singh	Reveal
LendUp	W12	LendUp is a socially responsible company on a mission to redefine…	Inactive	San Francisco, CA, USA	201	Sasha Orloff, Jacob Rosenberg	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	—	5	Mark Ricciardi, Gabriel Vincent Kho	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, Peru	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
Hypercore	S21	Loan management software for private lenders	Active	Tel Aviv-Yafo, Israel	7	Daniel Liechtenstein, Eitan Frailich, Tomer Moshe, David Yahalomi	Reveal
Karbon Card	S21	Corporate Card solution for Indian businesses	Active	Bengaluru, Karnataka, India	144	Pei-fu Hsieh, Jack Chen, Amit Jangir, Bo Li	Reveal
Level	S21	Fast and simple fintech financing	Acquired	San Francisco, CA, USA	0	Vladimir Korshin, Molly Hogan, Asa Schachar	Reveal

Batch Distribution

WW261 WW251 WW241 WW233 WW2211 WW2110

Status Breakdown

Active45 Acquired10 Inactive4

Top Locations

San Francisco13 Bengaluru5 New York4 Mexico City4 São Paulo3 Gurugram2

About YC Credit and Lending Companies

Y Combinator has funded 59 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.

45 of these companies are currently active. 10 have been acquired. VCBacked tracks verified founder contact information, team sizes, and company status for every YC credit and lending startup.

Related Industries

B2B641 Engineering, Product and Design139 Industrials89 Consumer80 Healthcare78 Fintech65 Infrastructure64 Productivity38

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