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26 Best Startups Operating in the Credit (fintech) Space

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Leveraging groundbreaking advancements in technology and a recent shift in momentum in regulation, the credit (fintech) space is booming with disruptive innovation like never before. Recent data indicates that this space is growing at an exponential rate. In fact, an estimate puts the total number of tech startups in this space at over 1,000.

These companies are solving some of the ancient and time-tested problems in the lending industry. Incumbents are highly dependent on each other to deliver end-to-end solutions and rely on one another to provide critical know-how and market intelligence. However, in order to move fast, startups in the credit space have the benefit of being able to move faster, and react better.

Outside of the United States, there are many more challengers lending themselves to the space. Many have the benefit of starting fresh with leaner processes, which makes them more nimble. After all, history and a pile of regulations have not yet dictated how these companies operate and they can experiment and innovate freely.

Startups from outside the United States can yield global scale and impact without the added burden of antiquated regulations that in all probability, their larger incumbents might face.

With that, we have created a curated list of the top 26 startups operating in the credit space. This list may be missing some companies which are well known and are mentioned through other coverage in articles such as this one. We hope that by creating this list we are able to bring more attention to this space and help founders and their supporters get the resources they need to succeed (more ideas, expertise, development funds, et cetera).

What Is A Fintech Startup?

It is a startup which uses emerging technologies to solve problems in Financial Services, and is built for the digital age. This definition allows for a broader interpretation of what is a Fintech Startup than is traditionally used when defining a Fintech Startup.

Many of the best performing fintech companies are solving real-life problems and also working to better the financial services industry as a whole through transparency and efficiency.

The list includes, but is not limited to, the following companies:


1. Perch

The idea behind this startup: Perch is an online platform that offers credit history, recurring expenses, rent payments and credit score services.

Headquarters: Los Angeles, California, United States

Industries: Credit, Online Portals, Payments

Founders: Unknown

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2. Click Cash

The idea behind this startup: Click Cash is a mobile App that enables fast and secure personal loans in emerging economies using Open Banking and data analysis.

Headquarters: São Paulo, Sao Paulo, Brazil

Industries: Banking, Consumer Lending, Credit, FinTech

Founders: Unknown

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3. Linxe

The idea behind this startup: focused on offering small and short-term loans to low-income employees of SMEs with direct discount from their paycheck

Headquarters: Bogotá, Distrito Especial, Colombia

Industries: Credit, Employee Benefits, Financial Services, FinTech, Sustainability, Wellness

Founders: Cesar Cuevas, Diego Rodríguez

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4. Guild Credit

The idea behind this startup: Guild Credit is a platform to connect consumers and the brands they love

Headquarters: San Francisco, California, United States

Industries: Credit, Internet

Founders: Michael Spelfogel

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5. Zoro Card

The idea behind this startup: Build credit with a debit card.

Headquarters: Bloomington, Indiana, United States

Industries: Banking, Credit, Financial Services, FinTech, Personal Finance

Founders: Roger Morris, Zak Grove

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6. GetVantage

The idea behind this startup: GetVantage is South and Southeast Asia’s first fintech enabled revenue-based financing platform.

Headquarters: Mumbai, Maharashtra, India

Industries: Credit, Finance, Financial Services, FinTech, Lending, Venture Capital

Founders: Amit Srivastava, Bhavik Vasa, Sachin Tagra, Sachin Tagra

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7. CredFlow

The idea behind this startup: CredFlow provides financial solutions to automate your cashflows.

Headquarters: New Delhi, Delhi, India

Industries: Credit, Financial Services

Founders: Unknown

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8. Refund Giant

The idea behind this startup: Refund Giant develops a tax service platform intended to ditch the trail of forms and enjoy hassle-free tax returns.

Headquarters: London, England, United Kingdom

Industries: Credit, Financial Services, Travel

Founders: Alexander Zhou, Shawn Du

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9. Splintr

The idea behind this startup: Splintr is the first Buy Now Pay Later company in the GCC region, offering customers multiple payment options at the point of checkout.

Headquarters: Dubai, Dubai, United Arab Emirates

Industries: Banking, Consumer Lending, Credit, E-Commerce, Financial Services, FinTech, Payments

Founders: Abdulrahman AlJumah, Badr AlBadr, Mohammad AlMajid AlMheiri

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10. Impact X Partners

The idea behind this startup: Impact X Partners is an SDG advisory platform providing capital and counsel to investment seekers and investors.

Headquarters: London, England, United Kingdom

Industries: Banking, Credit, Financial Services, Impact Investing, Sustainability

Founders: Jalal Koubaiti, Leopold Oettingen-Wallerstein, Malte Susen

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11. Credit Money

The idea behind this startup: CreditMoney Financial Services is India’s best Leading Corporate Channel Partner of Nationalize Banks & NBFCs & Investment company.

Headquarters: New Delhi, Delhi, India

Industries: Credit, Financial Services, Information Technology

Founders: Aakash Sinha

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12. ElasBank

The idea behind this startup: ElasBank is a digital bank made by women entrepreneurs tailored to them.

Headquarters: São Paulo, Sao Paulo, Brazil

Industries: Banking, Credit, Finance, Financial Services, FinTech

Founders: Chistian Zimmer, Vanise Zimmer

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13. Quanloop

The idea behind this startup: Investment fund dedicated to wholesale funding

Headquarters: Tallinn, Harjumaa, Estonia

Industries: Commercial Lending, Credit, Hedge Funds, Lending

Founders: Valentin Ivanov

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14. Credello

The idea behind this startup: Credello puts personalized financial solutions at your fingertips—so you can make decisions with confidence.

Headquarters: Jersey City, New Jersey, United States

Industries: Advice, Consumer, Credit, Credit Cards, Finance, Financial Services, FinTech, Internet, Personal Finance

Founders: Vish Sastry Rachakonda

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15. ONBORD

The idea behind this startup: SaaS RegTech

Headquarters: London, England, United Kingdom

Industries: Compliance, Credit, Risk Management, SaaS

Founders: Unknown

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16. ZAP! Consignado

The idea behind this startup: International P2P Lending by WhatsApp.

Headquarters: São Paulo, Sao Paulo, Brazil

Industries: Banking, Credit, Financial Services, FinTech, Impact Investing, Wealth Management

Founders: Tiago Bispo

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17. Nuovopay

The idea behind this startup: NuovoPay enables device leasing companies & telecom carriers to secure their leased devices against non-payment.

Headquarters: Pune, Maharashtra, India

Industries: Credit, Emerging Markets, Financial Services, FinTech, Mobile, Software

Founders: Harishankar Kannan

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18. Migrations.ml Inc.

The idea behind this startup: Migrations.ml is a cloud-based technology solution that generates credit risk analytics for public debt using big data and machine learning

Headquarters: Toronto, Ontario, Canada

Industries: Analytics, Big Data, Credit, FinTech, Information Technology, Machine Learning, Risk Management, Software

Founders: Unknown

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19. CreditSage

The idea behind this startup: Credit Repair/Rebuilding, Investment/Financial Consultation

Headquarters: Boston, Massachusetts, United States

Industries: Credit, Credit Cards, Financial Services

Founders: Nicholas Fernandes

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20. Instacash

The idea behind this startup: Lending Marketplace that uses alternative collateral and instant disbursements.

Headquarters: Unknown

Industries: Blockchain, Credit, Financial Services, FinTech, Internet, Lending, Marketplace, Payments

Founders: Luis Chau, Sebastian Burgos Díaz

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21. Ub Technologies

The idea behind this startup: End-to-end portfolio & risk analytics for financial institutions

Headquarters: Amsterdam, Noord-Holland, The Netherlands

Industries: Analytics, Asset Management, Banking, Big Data, Credit, Database, FinTech, Software

Founders: Giorgio Carbone, Jorn Koch, Ruud Willems

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22. Kredit24

The idea behind this startup: Private Loans, Mortgages

Headquarters: Hamburg, Hamburg, Germany

Industries: Credit, Finance, Financial Services

Founders: Unknown

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23. Credit Resurrectors

The idea behind this startup: Credit Repair Agency

Headquarters: Unknown

Industries: Credit, Financial Services

Founders: Ariel Tolome

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24. CapVenture Partners

The idea behind this startup: Investment Management & Advisory Firm

Headquarters: New York, New York, United States

Industries: Credit, Real Estate, Software, Venture Capital

Founders: Unknown

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25. Lengine

The idea behind this startup: lengine

Headquarters: Unknown

Industries: B2B, Commercial, Credit, Financial Services, Information Technology, Insurance, Mobile, Software, Transportation

Founders: Unknown

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26. AgriMutual

The idea behind this startup: SaaS

Headquarters: Unknown

Industries: Agriculture, Credit, Finance, Financial Services, FinTech, Insurance, InsurTech

Founders: Unknown

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