69 Best Credit Finance Startups to Watch in 2025

The Definitive Seedtable Ranking of Credit Finance Startups

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 85 start-ups with an aggregate funding of $21.7b. The average funding per company in this subset is $313.8m.

Last update to the database: Feb 18, 2025. See changelog.

Track over 71,000 companies

Discover
Fast-growing Global startups

Seedtable uses technology and people to track over 71,000 companies to help you find the right ones to partner with.

Pricing + Sign up
Chime Bank logo

Chime Bank

A bank offering online banking services with no user no bank fees, and an option to receive direct deposit up to two days early. Chris Britt and Ryan King founded Chime in 2013, and the company is headquartered in San Francisco, California.

6

Funding Rounds

$799.8m

Money raised

Klarna logo

Klarna

Klarna is a financial technology company providing e-commerce payment solutions for merchants and shoppers.

20

Funding Rounds

$3.8b

Money raised

Prosper logo

Prosper

Prosper is an online peer-to-peer lending marketplace connecting people who want to borrow money with individuals and institutions who want to lend money.

9

Funding Rounds

$312.9m

Money raised

N26 (bank) logo

N26 (bank)

N26 is a is a mobile banking company headquartered in Berlin, Germany.

14

Funding Rounds

$2.5b

Money raised

CrossLend logo

CrossLend

CrossLend is a FinTech company whose mission is to make the private debt space more efficient, transparent, and profitable by providing technology & infrastructure solutions for debt asset transactions.

7

Funding Rounds

$54.3m

Money raised

Creditas logo

Creditas

Creditas is a Brazilian financial technology firm offering secured consumer loans.

11

Funding Rounds

$2.4b

Money raised

LendUp logo

LendUp

LendUp is a company building credit products that cater people with low credit or volatile income. It participated in the W12 cohort of Y Combinator.

10

Funding Rounds

$375.5m

Money raised

Zopa logo

Zopa

Zopa is a peer-to-peer lending platform founded in 2005 by Giles Andrews.

14

Funding Rounds

$1.2b

Money raised

Fundbox logo

Fundbox

Fundbox is a company offering business lines of credit founded in 2013 by Eyal Shinar, Tomer Michaeli and Yuval Ariav.

8

Funding Rounds

$553.5m

Money raised

ProducePay logo

ProducePay

ProducePay is a new tech-based cash flow solution that provides domestic and foreign fresh produce farmers (growers) who ship to the U.S. with immediate access to distribution and financing. ProducePay's solutions provide the working capital fresh-produce growers? need to complete their harvest and grow. By leveraging our international network, ProducePay connects clients with interested fresh produce buyers and distributors. Interested distributors receive connection to a growing list of international farmers who might otherwise feel limited by current financing options.

9

Funding Rounds

$342.9m

Money raised

Lidya logo

Lidya

The Nigeria-based Lidya uses a tech-based credit algorithm to loan to small businesses without credit histories.

3

Funding Rounds

$16.5m

Money raised

Petal logo

Petal

Petal is a credit card company based in New York.

6

Funding Rounds

$275.6m

Money raised

Juvo logo

Juvo

Juvo is a mobile financial services platform made for people without access to traditional banking services. It was founded in 2014 and has headquarters in San Francisco, California.

2

Funding Rounds

$54.0m

Money raised

Kickpay logo

Kickpay

An inventory financing platform. It was founded in 2014 and is located in San Francisco, California.

2

Funding Rounds

OakNorth Bank logo

OakNorth Bank

OakNorth is a financial technology company that enables entrepreneurs access customized mid-sized loans.

8

Funding Rounds

$1.0b

Money raised

Upgrade (company) logo

Upgrade (company)

Upgrade is a neo-bank offering affordable credit to consumers.

8

Funding Rounds

$587.0m

Money raised

Credit Kudos logo

Credit Kudos

A company that measures an individual's credit score based on financial behavior. It is located in London, England and was founded in 2015.

2

Funding Rounds

$9.2m

Money raised

Atom Bank logo

Atom Bank

Atom Bank is a digital financial company offering personal and business banking products.

13

Funding Rounds

$1.0b

Money raised

Mosaic (finance company) logo

Mosaic (finance company)

Offers financing for solar solutions on residential homes.

4

Funding Rounds

$238.4m

Money raised

Nova Credit logo

Nova Credit

A company providing an API for global consumer finance information

5

Funding Rounds

$69.4m

Money raised

IceKredit logo

IceKredit

A financial technology company offering marketing solutions and predictive analytics using big data and machine learning.

5

Funding Rounds

$156.0m

Money raised

Indifi Technologies logo

Indifi Technologies

India's Indifi Technologies is a tech-enabled debt financing platform for small business with industry-specific financial solutions.

2

Funding Rounds

$460.0m

Money raised

Kiavi logo

Kiavi

Kiavi, formerly LendingHome, is a mortgage lender based in San Francisco, CA.

7

Funding Rounds

$240.9m

Money raised

Monedo logo

Monedo

Monedo, formerly known as Kreditech, is a financial platform that allows users to better understand their credit.

9

Funding Rounds

$483.4m

Money raised

Capital Float (company) logo

Capital Float (company)

Capital Float is a Bangalore-based online platform providing working capital financing to small and medium enterprises in India.

12

Funding Rounds

$202.0m

Money raised

Reap (company) logo

Reap (company)

Reap is an online payment platform that enables small businesses to pay expenses and collect revenue via credit card. Reap aims to facilitate payments between Web3 projects and traditional businesses.

1

Funding Rounds

$40.0m

Money raised

Flowcast logo

Flowcast

Flowcast is a San Francisco-based company founded by Ken So in 2015.

7

Funding Rounds

$12.2m

Money raised

Fundera (company) logo

Fundera (company)

Fundera is a company founded in 2013 by Jared Hecht.

2

Funding Rounds

$18.9m

Money raised

DeFacto logo

DeFacto

DeFacto is a Turkish brand of men's and women's clothing and accessories.

4

Funding Rounds

$46.5m

Money raised

Iwoca logo

Iwoca

Iwoca is a provider of finance solutions to SMEs founded in 2011 by Christoph Rieche.

4

Funding Rounds

$260.1m

Money raised

ID Finance logo

ID Finance

ID Finance is a Barcelona-based company that provides an online marketplace for consumer installment loans.

6

Funding Rounds

$78.4m

Money raised

Kabbage logo

Kabbage

Kabbage is a financial technology and data company offering loans for small businesses.

7

Funding Rounds

$988.7m

Money raised

Kueski logo

Kueski

A financial technology company offering an online lending platform for the middle class of Mexico and Latin America.

6

Funding Rounds

$106.8m

Money raised

Octane logo

Octane

Octane is a financial technology company that focuses on providing financing solutions for recreational purchases.

1

Funding Rounds

Nav  (company) logo

Nav (company)

A company providing businesses a way to streamline their finances and access new credit lines.

10

Funding Rounds

$180.5m

Money raised

Deserve logo

Deserve

Deserve Credit Cards offers card options to students, professionals, new to country, and those on work visas.

5

Funding Rounds

$120.1m

Money raised

DemystData logo

DemystData

DemystData is a company that provides data integration technology for financial services.

7

Funding Rounds

$24.5m

Money raised

Billtrust logo

Billtrust

A cloud-based technology for automating transactions for B2B companies.

8

Funding Rounds

$165.0m

Money raised

Aire logo

Aire

Aire is a London-based company founded in 2014 by Aneesh Varma, Jon Bundy and Srini Sundaram.

1

Funding Rounds

$11.0m

Money raised

lendable logo

lendable

lendable is a company founded in 2014 by Martin Kissinger.

8

Funding Rounds

$1.6b

Money raised

RateSetter logo

RateSetter

RateSetter is a London-based peer-to-peer lending marketplace allowing users to lend and borrow money from each other and dictate their own interest rates.

4

Funding Rounds

$63.0m

Money raised

Applied Data Finance logo

Applied Data Finance

Applied Data Finance is a San Diego-based financial technology company developing new ways of measuring credit risk founded in 2014 by krishna Gopinathan.

10

Funding Rounds

$340.4m

Money raised

SaveIN logo

SaveIN

SaveIN is a neobank based in India offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. SaveIN currently accepts to open mobile bank accounts for residents of India.

4

Funding Rounds

$4.8m

Money raised

Trust Science logo

Trust Science

Trust Science is an Edmonton, Alberta-based financial technology company.

5

Funding Rounds

$20.3m

Money raised

Simpl (company) logo

Simpl (company)

In India, Simpl is the most popular Pay-Later platform.

2

Funding Rounds

$54.0m

Money raised

Tugende logo

Tugende

Provider of financial services to help motorcycle taxi drivers buy their own motorcycles. The company's lease-to-own model provides motorcycles to recommended drivers in a lease-to-own arrangement, enabling drivers to save money they would normally spend renting and make accumulated savings in the value of the paid off motorcycle.

1

Funding Rounds

$9.9m

Money raised

AjoMoney logo

AjoMoney

Developer of a financial platform intended to save money and invest money on behalf of customers. The company's platform is a digital rotating savings and credit association where users can invest their money in valuable assets for fifteen % ROI per annum in a clan, enabling customers to plan and save ahead to achieve their financial goals.

1

Funding Rounds

GreenSky LLC logo

GreenSky LLC

An online loan program that offers fast loans to consumers.

1

Funding Rounds

Climb Credit logo

Climb Credit

Climb's Mission is to expand student access to quality education. We do this by partnering with educational programs, which have proven to deliver results to their students, and providing financing options to students attending. We strive to assess, track and maintain the outcomes from our partner schools to ensure that the programs we are financing are ROI positive.

2

Funding Rounds

$59.8m

Money raised

Esusu logo

Esusu

Esusu is a company founded in 2016 by Samir Goel.

2

Funding Rounds

$11.6m

Money raised

Tanda logo

Tanda

Developer of financial services platform designed to make it easy to access essential financial services.

2

Funding Rounds

$20.0m

Money raised

Aflore logo

Aflore

Aflore is a Bogotá-based financial services provider using technology as a direct sales channel to reach rural and hard-to-reach clients in Colombia.

2

Funding Rounds

$3.2m

Money raised

Clix Capital logo

Clix Capital

We’re a smart, contemporary lending firm that uses technology to make loans simpler, faster, and more accessible for our customers. What does that mean? Minimum paperwork. Faster sanctions. Maximum peace of mind! Sounds too good to be true? Reach out to us and we’ll convince you!

1

Funding Rounds

$40.0m

Money raised

EasyCrédito logo

EasyCrédito

EasyCrédito is a company founded in 2015 by Marcos Tulio Ramos, Egio Arruda, Douglas Jason and Rodrigo Siqueira.

4

Funding Rounds

$4.4m

Money raised

Merchant Advance Capital logo

Merchant Advance Capital

Merchant Advance Capital is a financing built for small business founded in 2009 by Kevin Sandhu, David Gens and Cody Green.

1

Funding Rounds

LendKey logo

LendKey

LendKey is a company founded in 2009 by Vince Passione.

3

Funding Rounds

$20.0m

Money raised

KiWi (Point of Sale company) logo

KiWi (Point of Sale company)

KiWi is a fintech app supporting micro-businesses in emerging markets founded in 2014 by Christian Sinobas.

2

Funding Rounds

$6.2m

Money raised

Wellmo logo

Wellmo

Wellmo is an employee perks and financial services company founded in 2012 by Varun Vummidi.

1

Funding Rounds

$1.4m

Money raised

Wonga logo

Wonga

Wonga is a London-based company founded in 2007 by Errol Damelin.

2

Funding Rounds

$28.3m

Money raised

CrediWire logo

CrediWire

Platform offering real-time financial data to assist companies in providing loans and managing risks.

1

Funding Rounds

$7.6m

Money raised

Credible Friends logo

Credible Friends

A mobile platform for peer-to-peer lending backed by cryptocurrencies.

1

Funding Rounds

$51.0k

Money raised

Dollarito logo

Dollarito

Dollarito is providing the first loans through invitation.

4

Funding Rounds

$70.0k

Money raised

CommuScore logo

CommuScore

Alternative credit scoring for unbanked individuals, to allow financial inclusion.

1

Funding Rounds

$59.0k

Money raised

Level logo

Level

Level is a Seattle-based financial services company founded in 2019 by David Edelstein. The company offers a finance management platform designed specifically for small businesses and freelancers.

1

Funding Rounds

$1.5m

Money raised

Keebo logo

Keebo

We’re on a mission to transform credit from an outdated category by using open banking data to extend access and empower growth, so more can unlock the power of credit to jumpstart their future.

2

Funding Rounds

$12.7m

Money raised

Migo (financial services) logo

Migo (financial services)

Migo is a company founded in 2014 by Kunle Olukotun.

1

Funding Rounds

$20.0m

Money raised

GrayQuest Education Finance logo

GrayQuest Education Finance

GrayQuest Education Finance is a company founded in 2017 by Rishab Mehta.

1

Funding Rounds

$3.7m

Money raised

Backed logo

Backed

Backed is a company founded in 2014 by Adam Levi, Nufar Segal Bareket and Gilad Woltsovitch.

1

Funding Rounds

$3.2m

Money raised

Rental Kharma logo

Rental Kharma

Rental Kharma is a company founded in 2011.

1

Funding Rounds

$15.0k

Money raised