44 Best Microcredit Startups to Watch in 2025

The Definitive Seedtable Ranking of Microcredit 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 44 start-ups with an aggregate funding of $13.5b. The average funding per company in this subset is $307.2m.

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

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Klarna logo

Klarna

Klarna is a financial technology company providing e-commerce payment solutions for merchants and shoppers.

20

Funding Rounds

$3.8b

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

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

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

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

Lidya logo

Lidya

The Nigeria-based Lidya uses a tech-based credit algorithm to loan to small businesses without credit histories.

3

Funding Rounds

$16.5m

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

ZestMoney logo

ZestMoney

ZestMoney is an Indian fin-tech company that specialises in consumer lending.

5

Funding Rounds

$53.2m

Money raised

Slice logo

Slice

Slice is a credit card challenger in India helping to pay bills, manage finances, and earn quick rewards.

4

Funding Rounds

$1.6b

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

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

MoneyTap logo

MoneyTap

MoneyTap is a financial technology company.

1

Funding Rounds

$70.0m

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

Credijusto logo

Credijusto

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

2

Funding Rounds

$84.0m

Money raised

Nova Credit logo

Nova Credit

A company providing an API for global consumer finance information

5

Funding Rounds

$69.4m

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

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

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

Colendi logo

Colendi

A multifunctional banking as a service platform that democratizes banking services for consumers, merchants, and financial institutions

5

Funding Rounds

$130.0m

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

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

Lydia (company) logo

Lydia (company)

Lydia is a Paris-based payment and financial technology company offering users accounts, payment cards, loans, insurance, and gift cards.

9

Funding Rounds

$445.6m

Money raised

Pockit logo

Pockit

Pockit is a digital banking app for "underserved" customers founded in 2012 by Virraj Jatania.

15

Funding Rounds

$70.6m

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

Deserve logo

Deserve

Deserve Credit Cards offers card options to students, professionals, new to country, and those on work visas.

5

Funding Rounds

$120.1m

Money raised

Billtrust logo

Billtrust

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

8

Funding Rounds

$165.0m

Money raised

Bloom Credit logo

Bloom Credit

Bloom Credit is a company founded in 2016 by Matt Harris.

4

Funding Rounds

$29.9m

Money raised

Umba logo

Umba

Umba is a financial technology company founded in 2019 by Tiernan Kennedy.

2

Funding Rounds

$17.0m

Money raised

CreditMantri logo

CreditMantri

CreditMantri is a Chennai-based data-driven platform developer providing credit and financial reports to users based on their credit history and helping users understand the status of their credit health and credit profile.

3

Funding Rounds

$11.3m

Money raised

Ayannah logo

Ayannah

A FinTech startup providing affordable financial services to underserved, unbanked, and financially marginalized communities.

8

Funding Rounds

$8.4m

Money raised

Oxygen (company) logo

Oxygen (company)

Oxygen is a digital bank provides banking and lending services for contractors and freelancers.

2

Funding Rounds

$19.3m

Money raised

goDutch logo

goDutch

goDutch is a financial services company that automates bill splitting founded by Sagar Sheth, Riyaz Khan and Aniruddh Singh.

1

Funding Rounds

$1.7m

Money raised

awamo logo

awamo

awamo is a Frankfurt-based developer of mobile banking and business platform for micro-financing and microcredit.

3

Funding Rounds

$2.3m

Money raised

Stilt Inc. logo

Stilt Inc.

Stilt Inc. is a company providing financial services to immigrants founded in 2015 by Rohit Mittal.

2

Funding Rounds

$18.7m

Money raised

Zippi logo

Zippi

A financial technology company providing online personal loans to gig economy professionals in Brazil.

1

Funding Rounds

$16.0m

Money raised

FinancePeer logo

FinancePeer

FinancePeer is an artificial Intelligence company founded in 2017 by Naveesh Reddy.

1

Funding Rounds

$31.0m

Money raised

Akouba Credit logo

Akouba Credit

Akouba Credit is a Chicago-based provider of a white label digital on-boarding and lending platform for financial institutions.

1

Funding Rounds

$50.0k

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

Tuandaiwang logo

Tuandaiwang

Tuandaiwang is a peer-to-peer lending company. It provides an online service platform for small and medium businesses.

1

Funding Rounds

$262.0m

Money raised

Akiba Digital logo

Akiba Digital

Akiba Digital is a Johannesburg-based company.

1

Funding Rounds

51Give logo

51Give

51Give is a chinese e-commerce platform.

1

Funding Rounds