69 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 347 start-ups with an aggregate funding of $52.6b. The average funding per company in this subset is $762.7m.

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

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Chime Bank logo

Chime Bank

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.

6

Funding Rounds

$799.8m

Money raised

Roofstock logo

Roofstock

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

7

Funding Rounds

$365.3m

Money raised

Prosper logo

Prosper

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.

9

Funding Rounds

$312.9m

Money raised

N26 (bank) logo

N26 (bank)

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

14

Funding Rounds

$2.5b

Money raised

SmartAsset logo

SmartAsset

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

8

Funding Rounds

$161.4m

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

MoneyLion logo

MoneyLion

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

6

Funding Rounds

$324.5m

Money raised

Razorpay logo

Razorpay

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

10

Funding Rounds

$1.7b

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

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

Uphold logo

Uphold

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

1

Funding Rounds

$8.0m

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

Rapyd logo

Rapyd

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

14

Funding Rounds

$4.1b

Money raised

Avail logo

Avail

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

5

Funding Rounds

$9.7m

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

Kiva (organization) logo

Kiva (organization)

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

1

Funding Rounds

$1.0m

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

Petal logo

Petal

Petal is a credit card company based in New York.

6

Funding Rounds

$275.6m

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

Novo (Bank Novo) logo

Novo (Bank Novo)

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

4

Funding Rounds

$140.3m

Money raised

FairMoney logo

FairMoney

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

4

Funding Rounds

$64.0m

Money raised

OakNorth Bank logo

OakNorth Bank

OakNorth is a financial technology company that enables entrepreneurs access customized mid-sized loans.

8

Funding Rounds

$1.0b

Money raised

MoneyTap logo

MoneyTap

MoneyTap is a financial technology company.

1

Funding Rounds

$70.0m

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

SumUp (company) logo

SumUp (company)

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

12

Funding Rounds

$2.0b

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

Tally logo

Tally

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

3

Funding Rounds

$90.0m

Money raised

Credit Kudos logo

Credit Kudos

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

2

Funding Rounds

$9.2m

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

Credijusto logo

Credijusto

Creditjusto provides an online lending platform to offer credit for SMEs in Mexico.

2

Funding Rounds

$84.0m

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

Indifi Technologies logo

Indifi Technologies

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

2

Funding Rounds

$460.0m

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

Multiply (company) logo

Multiply (company)

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.

1

Funding Rounds

$2.3m

Money raised

Divvy Homes logo

Divvy Homes

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

6

Funding Rounds

$925.0m

Money raised

MarketFinance logo

MarketFinance

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

2

Funding Rounds

$397.0m

Money raised

Finicity logo

Finicity

A company offering a suite of APIs for developers working with financial management, payment, and credit software.

4

Funding Rounds

$499.9m

Money raised

Credit Sesame logo

Credit Sesame

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

9

Funding Rounds

$214.4m

Money raised

MarketInvoice logo

MarketInvoice

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

2

Funding Rounds

$43.0m

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

Portify logo

Portify

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

$11.1m

Money raised

PeerIQ logo

PeerIQ

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

2

Funding Rounds

$24.0m

Money raised

SnappCar logo

SnappCar

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

3

Funding Rounds

$28.7m

Money raised

Fundera (company) logo

Fundera (company)

Fundera is a company founded in 2013 by Jared Hecht.

2

Funding Rounds

$18.9m

Money raised

Clerkie logo

Clerkie

A technology company offering an artificially Intelligent financial services application.

1

Funding Rounds

$2.0m

Money raised

Easyknock logo

Easyknock

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.

4

Funding Rounds

$85.5m

Money raised

RateHub.ca logo

RateHub.ca

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.

1

Funding Rounds

$12.0m

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

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

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

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

FlexiLoans logo

FlexiLoans

FlexiLoans is a financial services company.

1

Funding Rounds

$90.0m

Money raised

Fair Go Finance logo

Fair Go Finance

Fair Go Finance offers personal loans online.

1

Funding Rounds

$13.6m

Money raised

Anyfin logo

Anyfin

App that helps people understand and improve their finances.

10

Funding Rounds

$151.2m

Money raised

PayMongo logo

PayMongo

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

3

Funding Rounds

$45.7m

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

Fraction logo

Fraction

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.

3

Funding Rounds

$232.0m

Money raised

Roostify logo

Roostify

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.

9

Funding Rounds

$90.0m

Money raised

Addi logo

Addi

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

5

Funding Rounds

$111.3m

Money raised

dharma (cryptocurrency) logo

dharma (cryptocurrency)

Dharma is a decentralized protocol built for the debt market.

1

Funding Rounds

$7.0m

Money raised

NorthOne logo

NorthOne

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.

3

Funding Rounds

$23.5m

Money raised

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