68 Best Loan Startups to Watch in 2025

The Definitive Seedtable Ranking of Loan 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 346 start-ups with an aggregate funding of $50.4b. The average funding per company in this subset is $741.9m.

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.

7

Funding Rounds

$365.3m

Money raised

Roofstock is a real estate investment marketplace founded in May 2015 by Gary Beasley, Gregor Watson, Devin Wade, and Rich Ford.

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:

8

Funding Rounds

$161.4m

Money raised

SmartAsset is a financial technology company that provides automated personalized financial advice. It participated in the S12 cohort of Y Combinator.

Key people:

4

Funding Rounds

$22.0b

Money raised

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

6

Funding Rounds

$324.5m

Money raised

MoneyLion is a mobile banking platform for borrowing, saving, and investing.

10

Funding Rounds

$1.7b

Money raised

A financial technology company providing payments solutions that allow businesses to accept, process and disburse payments.

Location:

Key people:

3

Funding Rounds

$14.0m

Money raised

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

11

Funding Rounds

$588.7m

Money raised

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

Key people:

11

Funding Rounds

$2.4b

Money raised

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

Location:

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:

1

Funding Rounds

$8.0m

Money raised

Uphold (formerly Bitreserve) is a cloud-based digital money platform. Users can buy, hold, convert and transact across currencies and commodities, including cryptocurrencies.

8

Funding Rounds

$1.0b

Money raised

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

14

Funding Rounds

$4.1b

Money raised

A financial technology company offering a mobile-first platform for payments through a single API and SDK.

Location:

Key people:

5

Funding Rounds

$9.7m

Money raised

Avail is a Chicago-based company developing free landlord software to help with rental property management.

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:

1

Funding Rounds

$1.0m

Money raised

Kiva is a 501(c)(3) non-profit organization headquartered in San Francisco, California.

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:

12

Funding Rounds

$84.9m

Money raised

Penta is a digital bank account for startups and SMEs in Germany.

5

Funding Rounds

$107.6m

Money raised

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

Location:

Key people:

6

Funding Rounds

$275.6m

Money raised

Petal is a credit card company based in New York.

4

Funding Rounds

$270.0m

Money raised

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

Key people:

4

Funding Rounds

$140.3m

Money raised

Novo focuses on giving a banking option to startups and small business owners, founded by Michael Rangel and Tyler McIntyre.

4

Funding Rounds

$64.0m

Money raised

FairMoney is a Paris-based start-up which offers micro loans in Nigeria through their mobile, Android app.

1

Funding Rounds

$70.0m

Money raised

MoneyTap is a financial technology company.

Location:

Key people:

8

Funding Rounds

$587.0m

Money raised

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

Key people:

6

Funding Rounds

$115.0m

Money raised

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

12

Funding Rounds

$2.0b

Money raised

SumUp is a payments processing platform for small businesses founded in 2012 by Stefan Jeschonnek.

7

Funding Rounds

$234.2m

Money raised

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

3

Funding Rounds

$90.0m

Money raised

Tally Technologies is a San Francisco-based financial services company.

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:

2

Funding Rounds

$84.0m

Money raised

Creditjusto provides an online lending platform to offer credit for SMEs 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

$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:

10

Funding Rounds

$425.0m

Money raised

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

Location:

Key people:

1

Funding Rounds

$2.3m

Money raised

A financial services company that has created a platform for freelancers to manage their finances. It is located in London, England and was founded in 2016.

Location:

Key people:

6

Funding Rounds

$925.0m

Money raised

A company that operates in the field of real estate and mortgages. It was founded in 2017 and is located in San Francisco, California.

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:

9

Funding Rounds

$214.4m

Money raised

Credit Sesame is a Sunnyvale, California-based personal finance company and online tool to help people save money on mortgages and loans.

Key people:

2

Funding Rounds

$43.0m

Money raised

MarketInvoice is a London-based company founded in 2011 by Ashwin Chalam.

Location:

Key people:

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

$11.1m

Money raised

A finance company with a platform that can be utilized by freelancers to manage their finances. It is located in London, England and was founded in 2017.

2

Funding Rounds

$24.0m

Money raised

A company offering a platform for data and risk analytics for alternative lenders.

3

Funding Rounds

$28.7m

Money raised

SnappCar is a Utretch-based company that has developed a peer-to-peer carsharing platform designed to provide an alternative to car ownership.

2

Funding Rounds

$18.9m

Money raised

Fundera is a company founded in 2013 by Jared Hecht.

1

Funding Rounds

$2.0m

Money raised

A technology company offering an artificially Intelligent financial services application.

Key people:

4

Funding Rounds

$85.5m

Money raised

Easyknock is a real-estate tech company on a mission to provide homeowners with a new way to release their equity, without having to move.

Key people:

1

Funding Rounds

$12.0m

Money raised

Ratehub.ca Inc. is a free online platform for Canadians to find and compare financial products ( mortgages, credit cards, and insurance) offered by various institutions.

10

Funding Rounds

$745.6m

Money raised

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

2

Funding Rounds

Through our robust framework of more than 10000+ Customer service points, we aim to provide end-to-end banking services to rural India, which comprises 80% of India’s total population. With an objective of inclusive growth, our retail Customer Service Points, shall offer all banking services offered in a ‘Brick and Mortar’ branch.

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:

1

Funding Rounds

$90.0m

Money raised

FlexiLoans is a financial services company.

Industries:

Location:

Key people:

1

Funding Rounds

$13.6m

Money raised

Fair Go Finance offers personal loans online.

Location:

Key people:

3

Funding Rounds

$45.7m

Money raised

A technology company providing payments collection APIs for businesses in Southeast Asia.

Key people:

10

Funding Rounds

$151.2m

Money raised

App that helps people understand and improve their finances.

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:

3

Funding Rounds

$232.0m

Money raised

The fairest way to access your home equity. Unlock up to $1.5M of your home equity while staying in the home you love. Plus, there are no monthly payments or unfair interest rates.

9

Funding Rounds

$90.0m

Money raised

Developer of a digital lending platform designed to connect customers and lenders to accelerate the home loan experience. The company's platform simplifies the loan application and digitizes the entire application-to-closing process through its interface, thereby enabling borrowers to apply for a mortgage and all parties involved to share and track information, documents, and transactions seamlessly.

4

Funding Rounds

$150.5m

Money raised

Aspire is a company founded in 2018 by Giovanni Casinelli, Joel Leong, Andrea Baronchelli, Giacomo Ficari and Stefano Pellegrino.

5

Funding Rounds

$111.3m

Money raised

A financial services company. It was founded in 2018 and is located in Bogota, Colombia.

Location:

Key people:

3

Funding Rounds

$23.5m

Money raised

Northone is a neobank based in United States offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Northone currently accepts to open mobile bank accounts for residents of Canada and United States.

Key people:

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.

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