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 104 start-ups with an aggregate funding of $13.0b. The average funding per company in this subset is $188.3m.

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

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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:

3

Funding Rounds

$12.1m

Money raised

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

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:

11

Funding Rounds

$766.0m

Money raised

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

Key people:

14

Funding Rounds

$902.5m

Money raised

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

12

Funding Rounds

$771.9m

Money raised

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.

Location:

Key people:

3

Funding Rounds

$359.0m

Money raised

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

Location:

Key people:

2

Funding Rounds

$397.0m

Money raised

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

Industries:

Location:

Key people:

3

Funding Rounds

$748.0m

Money raised

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

Location:

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:

2

Funding Rounds

$18.9m

Money raised

Fundera is a company founded in 2013 by Jared Hecht.

10

Funding Rounds

$745.6m

Money raised

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

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:

1

Funding Rounds

$90.0m

Money raised

FlexiLoans is a financial services company.

Industries:

Location:

Key people:

9

Funding Rounds

$727.0m

Money raised

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.

Industries:

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.

4

Funding Rounds

$183.5m

Money raised

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

10

Funding Rounds

$180.5m

Money raised

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

10

Funding Rounds

$1.1b

Money raised

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

Location:

Key people:

1

Funding Rounds

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

1

Funding Rounds

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

1

Funding Rounds

$41.9m

Money raised

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

$91.1m

Money raised

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

Industries:

7

Funding Rounds

$14.2m

Money raised

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

3

Funding Rounds

$24.0m

Money raised

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

4

Funding Rounds

$26.3m

Money raised

Ezbob is a company providing embedded fiancial services to businesses.

4

Funding Rounds

$51.0m

Money raised

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

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:

4

Funding Rounds

$10.1m

Money raised

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

3

Funding Rounds

$42.7m

Money raised

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

Key people:

2

Funding Rounds

$40.0m

Money raised

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

7

Funding Rounds

$61.4m

Money raised

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

7

Funding Rounds

$350.0m

Money raised

BNPL B2B payment platform.

Location:

Key people:

3

Funding Rounds

$118.4m

Money raised

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

Location:

1

Funding Rounds

$17.0m

Money raised

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

Location:

Key people:

3

Funding Rounds

$476.5m

Money raised

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

1

Funding Rounds

$110.0k

Money raised

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

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:

3

Funding Rounds

$35.3m

Money raised

Possible Finance offers an alternative to payday loans.

Location:

Key people:

3

Funding Rounds

$60.4m

Money raised

Synctera is a banking technology platform that enables community banks and fintech companies to collaborate and provide financial services.

4

Funding Rounds

$169.4m

Money raised

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

Location:

Key people:

2

Funding Rounds

$95.0m

Money raised

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

Location:

Key people:

1

Funding Rounds

$40.0m

Money raised

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

Location:

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:

7

Funding Rounds

$13.0m

Money raised

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

Location:

Key people:

1

Funding Rounds

$35.0m

Money raised

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

Location:

Key people:

5

Funding Rounds

$480.0k

Money raised

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.

3

Funding Rounds

$5.0m

Money raised

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

Location:

Key people:

2

Funding Rounds

$155.0m

Money raised

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

2

Funding Rounds

$28.3m

Money raised

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

1

Funding Rounds

$2.4m

Money raised

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

1

Funding Rounds

$17.0m

Money raised

Financeit is a company founded in 2011.

2

Funding Rounds

$90.0m

Money raised

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

Location:

Key people:

4

Funding Rounds

$800.0m

Money raised

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

6

Funding Rounds

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

1

Funding Rounds

$30.0m

Money raised

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.

4

Funding Rounds

$131.2m

Money raised

JimuBox is a Beijing-based company founded in 2013.

1

Funding Rounds

$1.0m

Money raised

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.

Location:

Key people:

2

Funding Rounds

$20.4m

Money raised

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

Location:

Key people:

3

Funding Rounds

$67.0m

Money raised

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

1

Funding Rounds

$451.1m

Money raised

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

Industries:

Location:

2

Funding Rounds

$5.7m

Money raised

Tala is a digital financial services company that provides access to credit, payments, savings, and transfer services.

Key people:

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

Industries:

Location:

2

Funding Rounds

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

1

Funding Rounds

$25.0m

Money raised

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

Key people:

1

Funding Rounds

$20.0m

Money raised

Moula is a company founded in 2013.

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