[ { "id": 41, "name": "LendUp", "slug": "lendup", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e02a3171584165fc0741c7df4d77c95318d565fd.png", "website": "http://lendup.com", "all_locations": "San Francisco, CA, USA", "long_description": "Could a fintech company be built that helps people today, and prepares them for tomorrow? One that offers consumers high quality, mobile-first credit and savings products and protects them from tricks and traps? That’s LendUp. LendUp's mission is to provide anyone with a better path to financial health. \r\n\r\nWe believe there are two types of financial products: chutes and ladders. Ladders help people up, chutes push people down. One of our core values is that every product we offer at LendUp is a ladder, measured by the long-term financial well-being of our customers. LendUp credit cards, loans, and savings resources reflect our commitment to getting our customers to a better financial state.\r\n\r\nWe are a data-driven company and build all of our technology in-house. With a firm belief that you're more than your credit score, we're extending credit as aggressively as possible and helping solve for the income volatility and financial instability that affects more than 140 million Americans. \r\n\r\nWe are backed by more than $325 million in debt and equity financing from investors such as GV, PayPal, Y Combinator, QED Investors, Susa Ventures, Data Collective, Thomvest Ventures, Kleiner Perkins, Kapor Capital, Bronze Investments, radicle impact, Victory Park Capital, Reddit co-founder Alexis Ohanian, Gmail founder Paul Buchheit, Troy Carter, and many others.\r\n\r\nOne of our values is \"different backgrounds, same mission.\"​ We come from venerable Silicon Valley technology companies, major banks, nonprofits and law firms. We're former consumer advocates, regulators and academics. Together, we're bringing our mission to life. Join us!", "one_liner": "LendUp is a socially responsible company on a mission to redefine…", "team_size": 201, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1322045860, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lendup", "api": "https://yc-oss.github.io/api/batches/winter-2012/lendup.json" }, { "id": 979, "name": "Stilt", "slug": "stilt", "former_names": [ "STILT", "Stilt", "Stilt (dba Onbo)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e3bb4303a0c1de02bc9e18aae4dd1307b9df84a.png", "website": "http://www.stilt.com", "all_locations": "San Francisco, CA, USA", "long_description": "Stilt/Onbo enables you to launch credit products without a bank sponsor.\r\n\r\nWe have built APIs to abstract complexity around licenses, regulatory compliance, underwriting, loan management system, credit reporting, and debt capital.\r\n\r\nWe are backed by fintech investors including Y Combinator, Link Ventures, Hillsven Capital, Petrushka investments (early backer of Lending Club, Zillow, Check, Pets.com), and CEOs of billion-dollar fintech companies.", "one_liner": "Financial products for immigrants (acquired by JG Wentworth)", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1447199416, "tags": [ "Fintech", "SaaS", "B2B", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/stilt", "api": "https://yc-oss.github.io/api/batches/winter-2016/stilt.json" }, { "id": 22833, "name": "Lendflow", "slug": "lendflow", "former_names": [ "Lendflow", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e4d17532ffa99531ffd5aab036f25518126619a.png", "website": "https://lendflow.com", "all_locations": "Austin, TX, USA", "long_description": "We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.", "one_liner": "Embedded lending infrastructure for software companies", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614708691, "tags": [ "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/lendflow", "api": "https://yc-oss.github.io/api/batches/winter-2021/lendflow.json" }, { "id": 22857, "name": "Kredi", "slug": "kredi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cb75e266cc8da168413783c604562a0c244d6815.png", "website": "https://www.kredi.mx/", "all_locations": "Monterrey, N.L., Mexico; N.L., Mexico", "long_description": "Kredi is rocket mortgage for LatAm. ", "one_liner": "Rocket Mortgage for LatAm. ", "team_size": 66, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614619577, "tags": [ "Fintech", "Latin America", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kredi", "api": "https://yc-oss.github.io/api/batches/winter-2021/kredi.json" }, { "id": 23260, "name": "Z1", "slug": "z1", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.png", "website": "https://z1.app/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Z1 is a digital banking app made for teenagers and young adults. By using the Z1 app and a prepaid card linked to their account, teenagers can begin their road to financial independence by learning to manage and spend their money, as well as having a place to receive money they earn through jobs and small businesses.", "one_liner": "Digital bank for teenagers in LatAm connected to prepaid card ", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1614809157, "tags": [ "Fintech", "Payments", "Consumer", "Lending", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/z1", "api": "https://yc-oss.github.io/api/batches/winter-2021/z1.json" }, { "id": 23974, "name": "Level", "slug": "level", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1cdea6a283c7f9c3d6b9bb0babe061a2fe575034.png", "website": "https://trylevel.app", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Level provides fast and simple financing to lending startups that gets them off the ground and grows with them as they scale. We do so by buying loans in small quantities at first and rewarding our customers with more access to capital based on performance. Co-founder & CEO, Vladimir Korshin, previously worked in the traditional venture debt system at Silicon Valley Bank, where he noticed that strong startups were frequently denied from non-dilutive financing because they were too small. Just 4 weeks after going live with our first customer, we purchased $1.3M in loans across 6 customers. The founding team brings 30+ years of startup experience: Vladimir previously worked as an operator at Facebook, Eventbrite, and Niantic; Asa Schachar was an engineer at Microsoft and managed teams of engineers at Optimizely; Molly Hogan led new and international product initiatives at Amazon for over 7 years. Level is backed by Liquid2, Y Combinator (S21), and others. https://www.trylevel.app/", "one_liner": "Fast and simple fintech financing", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626027248, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/level", "api": "https://yc-oss.github.io/api/batches/summer-2021/level.json" }, { "id": 24666, "name": "Baubap", "slug": "baubap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b8f09f3d507f587a964edfec2e799e29ee3b8d5.png", "website": "https://www.baubap.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Baubap is LatinAmerica's firts AI-powered, credit-focused bank. Today we're the leading AI lending app in Mexico", "one_liner": "Smart micro financing for everyone", "team_size": 150, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1625680094, "tags": [ "Machine Learning", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/baubap", "api": "https://yc-oss.github.io/api/batches/summer-2021/baubap.json" }, { "id": 24874, "name": "Payflow", "slug": "payflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2f3335ebf887d6a8fa009be25267d1702eb2a4c.png", "website": "https://www.payflow.es/", "all_locations": "Madrid, Community of Madrid, Spain", "long_description": "A mobile app. It allows employees to get paid whenever they want, instead of just once a month (or biweekly). We sell it to companies as an employee benefit (B2B SaaS).\r\n", "one_liner": "A mobile app. It allows employees to get paid their salary on-demand.", "team_size": 50, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1624456825, "tags": [ "Fintech", "SaaS", "HR Tech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Human Resources" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/payflow", "api": "https://yc-oss.github.io/api/batches/summer-2021/payflow.json" }, { "id": 25532, "name": "Fintelite", "slug": "fintelite", "former_names": [ "Sribuu" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab01da231dd5c6a43a0a49fe4617d17070096fd0.png", "website": "http://www.fintelite.ai", "all_locations": "Singapore, Singapore; Remote", "long_description": "Fintelite's AI streamlines loan approvals and fraud detection, ensuring swift, accurate decisions.\r\n\r\nRevolutionizing lending with AI-powered bank statement analysis and transaction data enrichment.\r\n\r\nFintelite empowers lenders with a next-generation approach to lending. Our AI platform utilizes:\r\n\r\nBank statement analysis: Gain deep insights into borrower financials through automated analysis.\r\nTransaction data enrichment: Extract valuable details from transactions for a holistic financial picture.\r\nThese capabilities enable lenders to:\r\n\r\nReduce fraud: Identify and prevent suspicious activity with superior accuracy.\r\nAccelerate approvals: Make faster, data-driven decisions with enriched information.\r\nOptimize risk management: Tailor risk assessments based on comprehensive borrower data.\r\nPassionate about building a future of responsible AI in financial services. I'm committed to helping lenders serve customers efficiently and securely.\r\n\r\n\r\nOur help to others includes:\r\n• BlubyBCA and ANZ increased efficiency by 15%\r\n• Qazwa and KoinWorks sped up loan processing 10x, cutting costs by 25%\r\n", "one_liner": "Intelligent Process Automation for Lending.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641201791, "tags": [ "Artificial Intelligence", "Fintech", "Machine Learning", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/fintelite", "api": "https://yc-oss.github.io/api/batches/winter-2022/fintelite.json" }, { "id": 25973, "name": "amiloz", "slug": "amiloz", "former_names": [ "Comerza (new name ---> Amiloz)", "AMILOZ", "amiloz", "Amiloz", "amiloz", "Amiloz" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/979fcfdd0c4661a8729e2394fa1ade03b93f89bc.png", "website": "https://www.beloz.com.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "We are a Y Combinator / Latitud backed micro-lending platform in Mexico led by talent from companies such as Capital One, Bain & Company, Konfio, DiDi, Clip, Klarna, etc. We are hyper focused on making sure that customers improve their financial lives significantly through their relationship with us. In a very short time, we have achieved significant traction with exceptional consumer outcomes and unit economics. We are also building and incorporating a significant amount of AI into our operations, so this is a great place to work for anybody who has ambitions to build real time applications of AI. Our goal is to build the biggest AI enabled consumer fintech platform in Mexico and eventually LatAm.", "one_liner": "Micro-lender in Mexico", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1646585799, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/amiloz", "api": "https://yc-oss.github.io/api/batches/winter-2022/amiloz.json" }, { "id": 26183, "name": "Pantore Pay", "slug": "pantore-pay", "former_names": [ "Smart Kitchen", "Pantore" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/65917590bece98a83ec996e2cd822a5946a8451e.png", "website": "https://www.pantorepay.com.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "Pantore Pay is the solution for restaurants cash flow issues and allows restaurants to shop for supplies and pay any other bills using Pantore's credit line.", "one_liner": "Working capital for Brazilian restaurants", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642009581, "tags": [ "Fintech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pantore-pay", "api": "https://yc-oss.github.io/api/batches/winter-2022/pantore-pay.json" }, { "id": 27175, "name": "Express Building", "slug": "express-building", "former_names": [ "Uwi Homes", "Uwi", "uwi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/51e56d00fdef4175645d89fdb8c4452e07a347e7.png", "website": "https://www.expressbuilding.ph", "all_locations": "Singapore, Singapore; Remote", "long_description": "Express Building (EB) helps small and medium sized residential developers scale their pre-sold affordable housing development pipeline. \r\n\r\nCurrent markets: Indonesia & Philippines", "one_liner": "Financing Southeast Asia's ~$1 trillion housing backlog", "team_size": 14, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1656597546, "tags": [ "Fintech", "Real Estate", "B2B", "Proptech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/express-building", "api": "https://yc-oss.github.io/api/batches/summer-2022/express-building.json" }, { "id": 28965, "name": "Yenmo", "slug": "yenmo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "website": "https://yenmo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate.\r\n\r\nOur Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.", "one_liner": "Secured consumer lending in India", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1708901041, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/yenmo", "api": "https://yc-oss.github.io/api/batches/winter-2024/yenmo.json" }, { "id": 29796, "name": "Finosu", "slug": "finosu", "former_names": [ "Cedar Star" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "website": "https://www.finosu.com", "all_locations": "New York City, NY, USA", "long_description": "Hi - Mark and Gab here!\r\n\r\nWe met while working at Alt, a marketplace for collectibles, where we built a $200 million specialty finance business line. At Alt, we faced the complex challenges that come with servicing consumer loans. We spent countless hours and resources developing internal tools to manage loan payments, communicate with borrowers, and keep track of loan performance—all while ensuring a positive experience for our customers.\r\n\r\nHowever, after dealing with the headaches of manual data entry, fragmented systems, delayed payments, lack of personalized borrower engagement, and the stress of maintaining accurate records, we knew there had to be a better way to service consumer loans.\r\n\r\nSo, we started Finosu to build the servicer we wish we had—an AI-powered consumer loan servicer designed to streamline and enhance every aspect of the loan servicing process. \r\n\r\nOur mission is to transform loan servicing into a seamless, efficient, and customer-centric experience.\r\n\r\nThe operational cost of servicing loans reaches into the tens of billions a year and that is money out of the pocket of lenders, borrowers, investors, and ultimately the consumers as a cost of doing business – we are changing that.", "one_liner": "AI Native Consumer Loan Servicer", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1723762134, "tags": [ "Fintech", "B2B", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/finosu", "api": "https://yc-oss.github.io/api/batches/summer-2024/finosu.json" }, { "id": 29983, "name": "PathPilot", "slug": "pathpilot", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e75c7444d35c6b426ac80829e6ed40b07d33577d.png", "website": "https://www.getpathpilot.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Today, onboarding, servicing, and collections still depend on large human teams — which means operations scale linearly with loan volume. PathPilot deploys specialized AI agents that handle 60–80% of high-volume operational workflows, turning human-heavy processes into scalable software. These agents operate alongside internal teams — embedded directly into existing systems. This allows lenders to grow loan volume and revenue without proportional headcount growth. ", "one_liner": "AI Agents for Lending Operations", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1724891975, "tags": [ "Finance", "B2B", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/pathpilot", "api": "https://yc-oss.github.io/api/batches/summer-2024/pathpilot.json" }, { "id": 30797, "name": "Veritus", "slug": "veritus", "former_names": [ "Veritus Agent" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.png", "website": "https://www.veritus.com", "all_locations": "San Francisco, CA, USA", "long_description": "Veritus is a omni-channel platform for deploying AI agents for loan servicing and collections, including inbound and outbound voice agents. Our agents negotiate repayment plans, follow up across channels, and drive recoveries with zero human involvement.\r\n\r\nBy combining cutting edge voice AI with deep regulatory compliance and vertical specialization we're able to drastically reduce the cost-to-collect while increasing recovery rates. ", "one_liner": "AI agents for the consumer lending industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1753735109, "tags": [ "Fintech", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/veritus", "api": "https://yc-oss.github.io/api/batches/summer-2025/veritus.json" }, { "id": 31083, "name": "Kita", "slug": "kita", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "website": "https://www.usekita.com/", "all_locations": "San Francisco, CA, USA", "long_description": "In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. \r\n\r\nKita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions.\r\n\r\nUnder the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system.\r\n\r\nWe’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.", "one_liner": "Automate credit review for lenders in emerging markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767738733, "tags": [ "Fintech", "Computer Vision", "Lending", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/kita", "api": "https://yc-oss.github.io/api/batches/winter-2026/kita.json" }, { "id": 33023, "name": "Levocred AI", "slug": "levocred-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bbbf3d7f7c1c77264bdea3c5e95a8c6d460cd1f.png", "website": "https://levocred.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Levocred AI is the Company Brain for credit teams — an AI employee that plugs into the fund's loan tape, credit agreements, servicer reports, and bank feeds, and runs the workflows analysts would otherwise grind on.", "one_liner": "AI for every workflow inside a credit team", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1782022398, "tags": [ "Lending", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": false, "url": "https://www.ycombinator.com/companies/levocred-ai", "api": "https://yc-oss.github.io/api/batches/summer-2026/levocred-ai.json" } ]