YC Credit and Lending startups
75 Y Combinator companies in Credit and Lending, 4 of them from the last four batches. Its share of recent batches is 0.5%, up from 0.3% in the four batches before. About 11% are AI companies by YC’s tags.
- Signal
- Open
- Since 2025
- 6 vs 6 in 2023–24
- Acquired or public
- 22%
- Listed as inactive
- 14%
Share of each batch
Credit and Lending companies as a share of each YC batch since 2015.
Newest entrants
Of 51 Credit and Lending companies from batches up to 2021, YC lists 11 as acquired, 0 as public, 33 as active and 7 as inactive.
- Masterpiece X26 · Working capital for data companies training frontier AI
- Zolvo X26 · AI Back-Office Automation for Commercial Lenders
- Copperlane W26 · Agentic Mortgage Origination
Building in Credit and Lending?
Open problems and funding on Questd for rebuild money.
- Y Combinator · Requests for Startups
- Bessemer Venture Partners · Roadmap Investment Thesis
- General Catalyst · Five Critical Industries
- Greylock Partners · AI-First Investment Thesis
Credit and Lending companies, newest first
75 companies
- MasterpieceAI
Working capital for data companies training frontier AI
Spring 2026Credit and Lending3New York City, NY, USA - Zolvo
AI Back-Office Automation for Commercial Lenders
Spring 2026Credit and Lending3San Francisco, CA, USA - Copperlane
Agentic Mortgage Origination
Winter 2026Credit and Lending3San Francisco, CA, USA - Proximitty
AI operating system for commercial loans
Winter 2026Credit and Lending2San Francisco, CA, USA - VeritusAI
AI agents for the consumer lending industry
Summer 2025Credit and Lending10San Francisco, CA, USA - ChestnutAI
The first AI mortgage lender
Spring 2025Credit and Lending2San Francisco, CA, USA - Finosu
AI Native Consumer Loan Servicer
Summer 2024Credit and Lending7New York City, NY, USA - Yenmo
Secured consumer lending in India
Winter 2024Credit and Lending5Bengaluru, KA, India - Cardinal GrayAI
Automating lenders' interactions with the DMV
Summer 2023Credit and Lending6New York City, NY, USA - ClickPe
Finance on a Click
Winter 2023Credit and Lending2Surat, GJ, India - PaperplaneAI
Credit risk management platform for builders' merchants
Winter 2023Credit and Lending5New York City, NY, USAInactive - Trigo
Rent verification API for landlords and lenders
Winter 2023Credit and Lending4New York City, NY, USAAcquired - Kashin
Credit for the emerging economy in Latam
Summer 2022Credit and Lending45Lima, Callao Region, Peru - BelozFi
Financial health focused micro-lender in Mexico
Winter 2022Credit and Lending29Mexico City, CDMX, Mexico - BharatX
Enable Buy-Now-Pay-Later in a White-Labelled Manner
Winter 2022Credit and Lending14Bengaluru, KA, IndiaAcquired - Creizer
Clear.co for LATAM. Revenue based financing for online sellers.
Winter 2022Credit and Lending12Mexico City, CDMX, Mexico - GIMO
We help underbanked workers get paid before payday
Winter 2022Credit and Lending70Hanoi, Hanoi, Vietnam - Lenk
The next-gen lending platform for the banking system in LATAM.
Winter 2022Credit and Lending18Buenos Aires, Buenos Aires, Argentina - Numida
Working capital for African micro businesses
Winter 2022Credit and Lending115Kampala, Central Region, Uganda - PayCrunch
Credit Card for college students based on UPI.
Winter 2022Credit and Lending5Bengaluru, KA, India - Perl Street
Financing the next-generation of infrastructure projects
Winter 2022Credit and Lending4Sydney, NSW, Australia - Rank (formerly Moni)
Group Financing for small businesses across Africa.
Winter 2022Credit and Lending20Lagos, LA, Nigeria - Wagetap
Access up to $2,000 of your wage in advance
Winter 2022Credit and Lending40Sydney, NSW, Australia - Wibond
Affirm for LATAM
Winter 2022Credit and Lending30Córdoba, Cordoba, Argentina
Sector is YC’s own label in its public company directory. See the methodology, every sector side by side, or browse open problems worth solving.