69 Best Lending Startups to Watch in 2025

The Definitive Seedtable Ranking of Lending 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 100 start-ups with an aggregate funding of $13.9b. The average funding per company in this subset is $201.6m.

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

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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

Proportunity logo

Proportunity

Artificial Intelligence company and FCA authorized mortgage lender in the UK helping renters purchase their first homes.

3

Funding Rounds

$12.1m

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

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

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

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

Avenify logo

Avenify

Avenify is a peer-to-peer lending platform for Income Share Agreements.

1

Funding Rounds

$1.0

Money raised

Avant (financial service) logo

Avant (financial service)

Avant is a company operating an online platform providing users access to personal loans. It utilizes big data and machine learning algorithms.

3

Funding Rounds

$359.0m

Money raised

MarketFinance logo

MarketFinance

Platform offering finance solutions for businesses to meet their needs and expand.

2

Funding Rounds

$397.0m

Money raised

Cross River Bank logo

Cross River Bank

Cross River Bank is a New Jersey-based company founded in 2008.

3

Funding Rounds

$748.0m

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

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

FlexiLoans logo

FlexiLoans

FlexiLoans is a financial services company.

1

Funding Rounds

$90.0m

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

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

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

CommonBond logo

CommonBond

Common Bond is an online student lender based in New York and founded in 2012.

4

Funding Rounds

$183.5m

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

LendInvest logo

LendInvest

LendInvest is a marketplace lending & investing platform founded in 2008 by Christian Faes.

10

Funding Rounds

$1.1b

Money raised

BlueHub Capital logo

BlueHub Capital

(Formerly Boston Community Capital) Boston based nonprofit organization investing in affordable housing and community facilities in Boston’s neighborhoods

1

Funding Rounds

Logical Glue logo

Logical Glue

Logical Glue is an explainable AI-based platform for enterprises focused on multi-function predictive analytics.

1

Funding Rounds

InCred logo

InCred

InCred is a Mumbai-based company offering a financial services platform that utilizes technology and data-science to simplify the lending process.

1

Funding Rounds

$41.9m

Money raised

MoneyMe logo

MoneyMe

MoneyMe in three words: fast, safe, simple. We're not too little and not too big - and most importantly, we're all about you. Built on an ethos of innovation, responsibility, and dedication to the customer experience, we're revolutionising the way Australians borrow money. Started by two regular Aussie guys, MoneyMe is worlds away from finance as you know it. There's no hidden fees, fine print, paperwork, or long wait times. When you choose MoneyMe, you're choosing the freedom to access your short term loan, medium loan or personal loan, whenever and wherever you want, giving you control over your finances. Our refreshingly simple yet smart system allows us to connect you to your aspirations faster than ever before. Apply online, or on your mobile today at www.moneyme.com.au! **Please note that the information on this LinkedIn page is not intended as financial advice on behalf of MoneyMe Our awards - FinTech 'Start-up of the Year' award (2016) - Winner - Deloitte's 'Technology Fast 50' (2016) - 2nd place - Australian Financial Review's 'BRW Fast Starters 100' (2016) - Finalist - PwC Aspire Awards 'Start-up disruptor' category (2016) - Finalist - Anthill 'SMART 100' list (2016) - Finalist

1

Funding Rounds

$91.1m

Money raised

Bitbond logo

Bitbond

Bitbond is an online loan platform backed by cryptocurrencies founded in 2013 by Radoslav Albrecht, Jürgen Walter and Robert Nasiadek.

7

Funding Rounds

$14.2m

Money raised

Algomi logo

Algomi

Algomi is a company founded in 2012 by Stu Taylor, Usman Khan, Michael Schmidt and Robert Howes.

3

Funding Rounds

$24.0m

Money raised

Ezbob logo

Ezbob

Ezbob is a company providing embedded fiancial services to businesses.

4

Funding Rounds

$26.3m

Money raised

FinCompare logo

FinCompare

FinCompare is a SaaS enabled marketplace. Helping advisors and businesses to find, compare, and close the financing solutions.

4

Funding Rounds

$51.0m

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

CarPay logo

CarPay

CarPay is a lending enablement platform for BHPH founded in 2016 by Brandon Cavalier.

4

Funding Rounds

$10.1m

Money raised

LoanSnap logo

LoanSnap

LoanSnap is a mortgage lending company founded in 2017 by Karl Jacob.

3

Funding Rounds

$42.7m

Money raised

Julo logo

Julo

JULO is a digital lending company that provides affordable unsecured personal loan for consumers.

2

Funding Rounds

$40.0m

Money raised

Playter logo

Playter

Platform that helps startups and scaleups convert any invoice into Buy Now, Pay Later.

7

Funding Rounds

$61.4m

Money raised

Billie logo

Billie

BNPL B2B payment platform.

7

Funding Rounds

$350.0m

Money raised

in3 logo

in3

in3 is a Dutch FinTech offering BNPL to consumers in three instalments with 0% interest.

3

Funding Rounds

$118.4m

Money raised

Abhi (finance company) logo

Abhi (finance company)

Abhi is a Karachi, Pakistan-based financial services company developing a mobile application for salary advances.

1

Funding Rounds

$17.0m

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

Advanon logo

Advanon

Advanon is an online platform where SMEs can find funds for their short-term financing needs by selling invoices to financial investors.

1

Funding Rounds

$110.0k

Money raised

Auxmoney logo

Auxmoney

Auxmoney is a Dusseldorf-based online peer-to-peer loan marketplace.

3

Funding Rounds

$476.5m

Money raised

Possible Finance logo

Possible Finance

Possible Finance offers an alternative to payday loans.

3

Funding Rounds

$35.3m

Money raised

smava logo

smava

smava is a Berlin-based provider of an online peer-to-peer lending marketplace.

4

Funding Rounds

$169.4m

Money raised

Finally logo

Finally

Finally is a fintech firm that assists small and medium-sized enterprises in automating their accounting and financial processes.

2

Funding Rounds

$95.0m

Money raised

Prodigy Finance logo

Prodigy Finance

Student loans for international students across the US, UK, and other various countries.

1

Funding Rounds

$40.0m

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

LipaLater logo

LipaLater

LipaLater is a lending marketplace that provides postpaid payments at e-commerce stores.

7

Funding Rounds

$13.0m

Money raised

BillFront logo

BillFront

Vane is a technology-enabled finance provider dedicated to global digital media companies.

1

Funding Rounds

$35.0m

Money raised

Mash (fintech) logo

Mash (fintech)

Mash has been at the forefront of fintech innovation since 2007. We leverage our advanced proprietary algorithms, machine learning capabilities and automated platform to deliver superior finance and payments solutions to thousands of customers every day. We work hard for a future powered by technology, making every transaction seamless, flexible and worry-free. Today, Mash is one of Europe?s leading fintech companies.

5

Funding Rounds

$480.0k

Money raised

ErudiFi logo

ErudiFi

ErudiFi is a mission-driven technology company focused on making education affordable.

3

Funding Rounds

$5.0m

Money raised

Finova Financial logo

Finova Financial

Finova Financial is a company founded in 2015 by Greg Keough.

2

Funding Rounds

$155.0m

Money raised

Wonga logo

Wonga

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

2

Funding Rounds

$28.3m

Money raised

MYSO logo

MYSO

Building #DeFi's first loan option that spares borrowers from liquidations

1

Funding Rounds

$2.4m

Money raised

Financeit logo

Financeit

Financeit is a company founded in 2011.

1

Funding Rounds

$17.0m

Money raised

Kissht.Com logo

Kissht.Com

Kissht.Com is a company founded in 2016 by Krishnan Vishwanathan.

2

Funding Rounds

$90.0m

Money raised

GoodLeap logo

GoodLeap

GoodLeap is a financial technology company that provides loan solutions for home upgrades focused on cost savings and energy efficiency.

4

Funding Rounds

$800.0m

Money raised

Sempli logo

Sempli

Sempli is building the leading all-in-one finance digital bank for small businesses in Colombia.

6

Funding Rounds

Unlock logo

Unlock

Provider of consumer finance services intended to assist homeowners to unlock home equity without getting a loan. The company offers cash in exchange for a percentage of the home's future value for the equity owned, enabling individuals and house owners to pay off debts, make home improvements and pay for education.

1

Funding Rounds

$30.0m

Money raised

JimuBox logo

JimuBox

JimuBox is a Beijing-based company founded in 2013.

4

Funding Rounds

$131.2m

Money raised

AjoCard logo

AjoCard

Provider of financial services intended to help unbanked consumers. The services include mPOS hardware and software solutions, lending, savings, and health insurance services and it also helps consumers to get cash from their debit cards where no ATMs are available, enabling businesses and consumers to help operate digitally.

1

Funding Rounds

$1.0m

Money raised

RenoFi logo

RenoFi

RenoFi is a Philadelphia-based company founded in 2018 by Robert Shedd, Justin Goldman and Lee Miller.

2

Funding Rounds

$20.4m

Money raised

Spotcap Global Services logo

Spotcap Global Services

Spotcap empowers SMEs with tailored finance, allowing them to focus on their business.

3

Funding Rounds

$67.0m

Money raised

Ebury logo

Ebury

Platform for empowering small and medium-sized businesses to trade internationally.

1

Funding Rounds

$451.1m

Money raised

Assetz Capital logo

Assetz Capital

Marketplace lender providing services for SME finance, bridging, and property development sectors.

Snapmint logo

Snapmint

Snapmint facilitates simplified, fairly-priced and hassle-free EMI options without a Credit Card.

2

Funding Rounds

Prospa logo

Prospa

Prospa is a Sydney-based company founded by Greg Moshal.

1

Funding Rounds

$25.0m

Money raised

Moula logo

Moula

Moula is a company founded in 2013.

1

Funding Rounds

$20.0m

Money raised