69 Best Financial Inclusion Startups to Watch in 2025

The Definitive Seedtable Ranking of Financial Inclusion 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 108 start-ups with an aggregate funding of $48.0b. The average funding per company in this subset is $695.7m.

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

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Wise logo

Wise

Wise, previously TransferWise, is a company that offers money transfers services founded by Kristo Käärmann and Taavet Hinrikus.

6

Funding Rounds

$898.4m

Money raised

Revolut logo

Revolut

Revolut is a London-based Fintech startup and bank offering mobile banking, card payments, money remittance, and foreign exchange services.

12

Funding Rounds

$1.7b

Money raised

Tala (company) logo

Tala (company)

Tala is a financial technology company with a mobile application to manage personal loan. Founded in 2011 and has headquarters in Santa Monica, California.

9

Funding Rounds

$363.2m

Money raised

Onfido logo

Onfido

Onfido is an identity verification service for enterprises.

7

Funding Rounds

$309.9m

Money raised

Ant Financial logo

Ant Financial

A venture capital firm in China that focuses on bringing inclusive financial services to the world.

4

Funding Rounds

$22.0b

Money raised

Long-Term Stock Exchange logo

Long-Term Stock Exchange

The Long-Term Stock Exchange is a financial services company and Securities Exchange.

5

Funding Rounds

$219.4m

Money raised

LenddoEFL logo

LenddoEFL

Lenddo EFL offers loans underwritten by social media data to borrowers without established or robust credit histories.

3

Funding Rounds

$14.0m

Money raised

Branch (finance company) logo

Branch (finance company)

Branch offers microloans through a free-to-download Android app in emerging markets.

11

Funding Rounds

$588.7m

Money raised

Creditas logo

Creditas

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

11

Funding Rounds

$2.4b

Money raised

Azimo logo

Azimo

Azimo is an online remittance service founded by Marta Krupinska.

3

Funding Rounds

$31.0m

Money raised

CoverWallet logo

CoverWallet

An insurance company using analytics and technology to offer insurance premiums to small businesses.

2

Funding Rounds

$26.3m

Money raised

Varo Money logo

Varo Money

Varo is a San Francisco-based mobile banking business allowing customers to pay their bills, cover their expenses and build their wealth.

8

Funding Rounds

$1.0b

Money raised

Vestwell logo

Vestwell

Vestwell is a Manhattan-based digital retirement platform providing turnkey solutions for financial advisors.

4

Funding Rounds

$42.5m

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

Raisin (company) logo

Raisin (company)

Raisin is a Berlin-based company offering a savings and investment marketplace to connect retail customers with banks looking to expand their deposit reach.

6

Funding Rounds

$204.0m

Money raised

Unocoin logo

Unocoin

Unocoin is a cryptocurrency service company focused on serving people living in India.

4

Funding Rounds

$7.0m

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

CoverFox logo

CoverFox

CoverFox is a Mumbai-based insurance technology company offering an online platform for managing insurance policies.

6

Funding Rounds

$79.0m

Money raised

GuiaBolso logo

GuiaBolso

GuiaBolso is a personal finance platform automatically aggregating people's financial information who also offer credit and investment products.

6

Funding Rounds

$56.0m

Money raised

BlueVine logo

BlueVine

A company offering an online platform for small and medium-sized businesses to gain access to financial products.

11

Funding Rounds

$766.0m

Money raised

NeoGrowth logo

NeoGrowth

NeoGrowth is an India-based digital lending platform focused on lending to small and medium business.

5

Funding Rounds

$107.6m

Money raised

Better Mortgage logo

Better Mortgage

Better Mortgage offers an online mortgage application which promises faster preapproval and a better rate.

4

Funding Rounds

$270.0m

Money raised

Digit (company) logo

Digit (company)

Digit is a San Francisco-based financial mobile application analyzing a users spending habits and automatically saving money for them.

4

Funding Rounds

$63.8m

Money raised

Cignifi logo

Cignifi

Cignifi is a company providing credit scores and marketing tools to telecommunications and financial companies.

6

Funding Rounds

$13.4m

Money raised

CoverHound logo

CoverHound

An insurance technology company offering an automobile insurance consumer platform.

3

Funding Rounds

$66.9m

Money raised

Ladder (company) logo

Ladder (company)

An insurance technology company offering a software platform for life insurance.

3

Funding Rounds

$144.0m

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

PayJoy logo

PayJoy

PayJoy is a software development company offering a mobile digital platform to purchase new smartphones and receive loans using their smartphone as collateral.

10

Funding Rounds

$91.2m

Money raised

MobiKwik logo

MobiKwik

MobiKwik is a Gurgaon-based company founded in 2009 by Anjali Singh.

10

Funding Rounds

$162.5m

Money raised

Mambu (company) logo

Mambu (company)

Mambu is a Berlin-based software-as-a-service banking company offering lending and deposit software.

14

Funding Rounds

$902.5m

Money raised

Upgrade (company) logo

Upgrade (company)

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

8

Funding Rounds

$587.0m

Money raised

BankBazaar logo

BankBazaar

BankBazaar is a Chennai-based company offering comparison and choice of insurance and financial products.

6

Funding Rounds

$115.0m

Money raised

Nutmeg (company) logo

Nutmeg (company)

Nutmeg is an online investment service that specializes in investments, ISAs and pensions.Nutmeg is an online investment service that specializes in investments, ISAs and pensions.

7

Funding Rounds

$153.4m

Money raised

Konfio logo

Konfio

Konfío is one of the 250 Top Fintechs in the world, according to CB Insights. We are the largest online lending platform for Small and Medium Businesses in Mexico.

12

Funding Rounds

$771.9m

Money raised

BIMA (company) logo

BIMA (company)

An insurance technology company offering insurance and mobile health services to emerging markets.

4

Funding Rounds

$170.6m

Money raised

Policybazaar logo

Policybazaar

Policybazaar is a company operating as an insurance aggregator website. It provides comparative analysis of insurance products and financial services from insurance companies.

3

Funding Rounds

$264.0m

Money raised

Lendingkart Technologies logo

Lendingkart Technologies

Lendingkart Technologies is an Ahmedabad-based financial technology company developing tools for alternative data analysis and offering working capital loans for small businesses.

7

Funding Rounds

$234.2m

Money raised

Farmers Business Network logo

Farmers Business Network

Farmers Business Network is a company that utilizes data to provide enterprise solutions for farmers.

9

Funding Rounds

$969.3m

Money raised

Earnin logo

Earnin

Earnin is a Palo Alto, California-based mobile banking company giving users access to their pay directly from mobile application.

4

Funding Rounds

$190.1m

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

Momo logo

Momo

Momo is a Ho Chi Minh City-based electronic wallet and payments app allowing users to pay online and transfer money to each other digitally.

5

Funding Rounds

$433.8m

Money raised

Monese logo

Monese

Monese is an online mobile banking platform founded in 2013 by Norris Koppel.

15

Funding Rounds

$282.6m

Money raised

Mosabi logo

Mosabi

Mosabi is a Delaware City, Delaware-based financial education company.

3

Funding Rounds

Paga (company) logo

Paga (company)

A financial services company offering a platform for digitally sending/receiving money and creating simple financial services.

4

Funding Rounds

$34.7m

Money raised

Kiavi logo

Kiavi

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

7

Funding Rounds

$240.9m

Money raised

Akulaku logo

Akulaku

Akulaku is an online multi-purpose finance platform intended to provide financial services to underserved communities.

10

Funding Rounds

$425.0m

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

Paytm logo

Paytm

Paytm is an electronic payment service in india founded in 2010 by Vijay Shekhar Sharma.

3

Funding Rounds

$1.2b

Money raised

Ellevest logo

Ellevest

Ellevest is a New York-based financial management firm for women founded in 2014 by Sallie Krawcheck.

5

Funding Rounds

$139.6m

Money raised

BitPesa logo

BitPesa

BitPesa is a blockchain and software development company offering a platform for sending money in Africa.

2

Funding Rounds

$10.0m

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

Fundera (company) logo

Fundera (company)

Fundera is a company founded in 2013 by Jared Hecht.

2

Funding Rounds

$18.9m

Money raised

Funding Circle logo

Funding Circle

Funding Circle is a San Francisco-based multinational peer-to-peer lending marketplace

10

Funding Rounds

$745.6m

Money raised

Compare Asia Group logo

Compare Asia Group

Compare Asia Group is a Hong Kong-based personal finance management platform working to help users make better personal finance decisions through comparison and management tools for insurance, credit cards, and personal loans.

4

Funding Rounds

$116.0m

Money raised

Credit Karma logo

Credit Karma

Credit Karma is a personal finance company providing finances and credit information to improve its members financial standing.

8

Funding Rounds

$868.0m

Money raised

DoPay logo

DoPay

DoPay is a London-based cloud-based payroll service allowing employers to calculate salaries and make payments electronically.

7

Funding Rounds

$41.6m

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

Trusting Social logo

Trusting Social

Trusting Social is a company founded in 2013 offering AI-powered credit risk, identity and acquisition solutions to the lending industry.

4

Funding Rounds

$44.0m

Money raised

Dianrong logo

Dianrong

Dianrong is a Shanghai-based peer-to-peer lending marketplace where users can invest in other people or small businesses, or individuals or businesses can find financial support.

9

Funding Rounds

$727.0m

Money raised

Credible logo

Credible

Credible is a student loan marketplace founded in 2012 by Stephen Dash.

6

Funding Rounds

$25.3m

Money raised

Stash (company) logo

Stash (company)

Stash is a New York City-based digital investing and banking platform.

13

Funding Rounds

$531.2m

Money raised

Stockpile (company) logo

Stockpile (company)

Stockpile is a Palo Alto, California-based mobile application for beginners and children to learn about stocks, investing in stocks or gifting stocks.

4

Funding Rounds

$45.0m

Money raised

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

Billtrust logo

Billtrust

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

8

Funding Rounds

$165.0m

Money raised