68 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 84 start-ups with an aggregate funding of $19.6b. The average funding per company in this subset is $288.2m.

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

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6

Funding Rounds

$799.8m

Money raised

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.

20

Funding Rounds

$3.8b

Money raised

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

Location:

Key people:

9

Funding Rounds

$312.9m

Money raised

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.

14

Funding Rounds

$2.5b

Money raised

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

Location:

Key people:

7

Funding Rounds

$54.3m

Money raised

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.

Key people:

11

Funding Rounds

$2.4b

Money raised

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

Location:

Key people:

10

Funding Rounds

$375.5m

Money raised

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.

14

Funding Rounds

$1.2b

Money raised

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

Location:

Key people:

8

Funding Rounds

$553.5m

Money raised

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

Location:

Key people:

9

Funding Rounds

$342.9m

Money raised

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.

Key people:

3

Funding Rounds

$16.5m

Money raised

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

Location:

Key people:

6

Funding Rounds

$275.6m

Money raised

Petal is a credit card company based in New York.

2

Funding Rounds

$54.0m

Money raised

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

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

8

Funding Rounds

$587.0m

Money raised

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

Key people:

2

Funding Rounds

$9.2m

Money raised

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

Location:

Key people:

13

Funding Rounds

$1.0b

Money raised

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

Location:

Key people:

4

Funding Rounds

$238.4m

Money raised

Offers financing for solar solutions on residential homes.

5

Funding Rounds

$69.4m

Money raised

A company providing an API for global consumer finance information

Location:

Key people:

5

Funding Rounds

$156.0m

Money raised

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

Location:

Key people:

2

Funding Rounds

$460.0m

Money raised

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

Location:

Key people:

7

Funding Rounds

$240.9m

Money raised

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

Location:

Key people:

9

Funding Rounds

$483.4m

Money raised

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

12

Funding Rounds

$202.0m

Money raised

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

Location:

Key people:

7

Funding Rounds

$12.2m

Money raised

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

2

Funding Rounds

$18.9m

Money raised

Fundera is a company founded in 2013 by Jared Hecht.

4

Funding Rounds

$46.5m

Money raised

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

Location:

Key people:

4

Funding Rounds

$260.1m

Money raised

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

Location:

Key people:

6

Funding Rounds

$78.4m

Money raised

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

Location:

Key people:

6

Funding Rounds

$106.8m

Money raised

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

1

Funding Rounds

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

10

Funding Rounds

$180.5m

Money raised

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

5

Funding Rounds

$120.1m

Money raised

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

Key people:

7

Funding Rounds

$24.5m

Money raised

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

8

Funding Rounds

$165.0m

Money raised

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

1

Funding Rounds

$11.0m

Money raised

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

8

Funding Rounds

$1.6b

Money raised

lendable is a company founded in 2014 by Martin Kissinger.

Key people:

4

Funding Rounds

$63.0m

Money raised

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.

Location:

Key people:

10

Funding Rounds

$340.4m

Money raised

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

Key people:

4

Funding Rounds

$4.8m

Money raised

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.

Location:

Key people:

5

Funding Rounds

$20.3m

Money raised

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

Location:

Key people:

2

Funding Rounds

$54.0m

Money raised

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

Location:

Key people:

1

Funding Rounds

$9.9m

Money raised

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.

Location:

1

Funding Rounds

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.

Key people:

1

Funding Rounds

An online loan program that offers fast loans to consumers.

2

Funding Rounds

$59.8m

Money raised

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.

Key people:

2

Funding Rounds

$11.6m

Money raised

Esusu is a company founded in 2016 by Samir Goel.

Key people:

2

Funding Rounds

$20.0m

Money raised

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

Location:

Key people:

2

Funding Rounds

$3.2m

Money raised

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.

Location:

Key people:

1

Funding Rounds

$40.0m

Money raised

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

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

3

Funding Rounds

$20.0m

Money raised

LendKey is a company founded in 2009 by Vince Passione.

Key people:

2

Funding Rounds

$6.2m

Money raised

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

Location:

Key people:

1

Funding Rounds

$1.4m

Money raised

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

2

Funding Rounds

$28.3m

Money raised

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

1

Funding Rounds

$7.6m

Money raised

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

1

Funding Rounds

$51.0k

Money raised

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

4

Funding Rounds

$70.0k

Money raised

Dollarito is providing the first loans through invitation.

Location:

Key people:

1

Funding Rounds

$59.0k

Money raised

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

1

Funding Rounds

$1.5m

Money raised

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.

Location:

Key people:

2

Funding Rounds

$12.7m

Money raised

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.

1

Funding Rounds

$20.0m

Money raised

Migo is a company founded in 2014 by Kunle Olukotun.

Industries:

Key people:

1

Funding Rounds

$3.7m

Money raised

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

Location:

Key people:

1

Funding Rounds

$3.2m

Money raised

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

1

Funding Rounds

$15.0k

Money raised

Rental Kharma is a company founded in 2011.

1

Funding Rounds

$6.0m

Money raised

Apruve is a Minneapolis-based provider of automated B2B credit programs for suppliers and buyers.

2

Funding Rounds

$6.0m

Money raised

Curu is a Charlotte, North Carolina-based company founded by David Potter.

Key people:

2

Funding Rounds

$7.0m

Money raised

Goals101 is a company founded in 2016 by Jubin Mehta, Milan Naik, Raghu Mohapatra and Visham Sikand.

Location:

Key people:

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