Financial Services startups in San Francisco Bay Area

Corgi

San Francisco

Corgi is an AI financial infrastructure company focused on building AI-enabled financial infrastructure, placing it at the intersection of artificial intelligence and finance.

Salient

San Francisco

Salient is an AI-driven workflow automation platform for lenders, starting with auto loan servicing. Since launching in 2023, it has surpassed $10M ARR, achieved cash-flow positivity, partnered with major U.S. lenders, and identified 35k+ C

Parafin

San Francisco

Parafin provides fintech infrastructure for marketplaces, vertical SaaS, and payment platforms, using real-time performance data to tailor financial services for platforms serving small-business sellers. Its platform-focused, data-driven ap

Slash

San Francisco

Slash is a fintech company building industry-specific business banking, backed by YC, NEA, Stanford University, and others; it powers over three billion dollars a year in business purchasing and is among the fastest growing fintechs.

Collective

San Francisco

Collective is the first all-in-one financial platform designed to give self-employed entrepreneurs the technology and team they need so they can focus on their passion, not their paperwork. Collective handles LLC and S Corp formation, payroll, taxes, monthly bookkeeping, compliance and more all in one place, exclusively for solopreneurs.

Crescent

San Francisco

Crescent is a US fintech building the future of business financial services, serving startups to $1B+ enterprises. It has raised over $10M from JP Morgan Chase, BNY Mellon executives and unicorn leaders, with an Elon Musk company as a custo

Slope

San Francisco

Slope partners with large companies to offer AI-enabled credit to businesses via strategic financing partnerships; it has raised $252M from notable investors including Sam Altman, JP Morgan Chase, Union Square Ventures, and Y Combinator to

Allocate

Palo Alto

Transforming the Private Market Investing Experience

Finley

San Francisco

Finley is a San Francisco-based company that simplifies debt capital raise and management. A 2021 YC Winter alum, it is backed by Y Combinator and Bain Capital Ventures, with founders from Goldman Sachs, Nova Credit, and Palantir Technologi

AiPrise

San Jose

Onboard users and businesses globally with speed and confidence.

Aspire

San Francisco

Aspire is a leading fintech delivering an all-in-one financial operating system for growing APAC businesses; it has raised over USD 300 million, partnered with Visa and Wise, serves 50,000+ clients (15,000+ in APAC), and has won multiple fi

Lively

San Francisco

Lively is the health and lifestyle benefits platform that works the first time, every time. Our solutions are designed to take the guesswork out of managing benefits and drive efficiency for you and your teams. Our innovative platform is grounded by your everyday needs and circumstances. By combining robust features with unparalleled service, we make maximizing your benefits as simple as it should be. Lively currently offers HSA, FSA, HRA, COBRA, Direct Bill, Commuter, Lifestyle Spending Accounts, and Medical Travel Accounts. Go to www.livelyme.com to learn more

Cardless

San Francisco

Cardless enables brands to launch a fully integrated credit card experience in weeks. As a nimble startup in a highly regulated space, it delivers integrated credit card capabilities within a regulated framework.

Stripe

South San Francisco

Stripe is a global technology company that builds economic infrastructure for the internet, serving startups and public companies from San Francisco. Notable for raising $6.5 billion at a $50 billion valuation in March 2023.

Kody

Sunnyvale

Agentic Commerce Platform modernising larger businesses with physical locations.

SAP Taulia

San Francisco

SAP Taulia is a fintech provider of working capital management solutions headquartered in San Francisco, California. SAP Taulia helps companies access value tied up in their payables, receivables, and inventory. SAP Taulia's platform and network of millions of businesses enables customers to execute their working capital strategies, support their suppliers with early payment, and contribute to building sustainable supply chains. SAP Taulia processes more than $500 billion each year and is trusted by the world’s largest companies, including Airbus, AstraZeneca, and Nissan.

Stronghold

San Francisco

Stronghold creates virtual payment networks that enable developers to access legacy and next-generation payment networks, all through a simple API.

Prosper

San Francisco

Founded in 2005, Prosper introduced U.S. consumers to an innovative new approach to personal finance called peer-to-peer lending. Almost 20 years later, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of products. Prosper’s flagship personal loan marketplace continues to offer a unique value for borrowers and investors alike. Home equity loans and lines of credit through Prosper provide homeowners a range of options and choices for tapping into the equity they’ve worked hard to build. The Prosper® Card supports people seeking access to credit and flexibility in managing their finances. Regardless of the product, Prosper is dedicated to meeting people where they are in their financial journey, in order to advance their financial well-being. Learn more at www.prosper.com. All personal loans made by WebBank. The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International. All home equity products are underwritten and issued by Prosper’s Lending Partners. Please see your agreement for details. Prosper Marketplace, Inc. NMLS# 111473 Licensing & Disclosures | NMLS Consumer Access Prosper Funding LLC 221 Main Street, Suite 300 | San Francisco, CA 94105 © 2005-2024 Prosper Funding LLC. All rights reserved. Prosper's borrower payment dependent notes (“Notes”) are offered pursuant to Prosper’s Prospectus (https://prosper.com/prospectus/)

Forge Global

San Francisco

With liquidity solutions, exclusive data and insights and a vibrant marketplace, we are powering a global private market that is transparent, accessible and seamless for companies, their employees, investors and institutions. #wearehiring

LendUp

San Francisco

**LendUp** LendUp is a socially responsible company on a mission to redefine… 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

Earnest

Oakland

Earnest is a technology-lender that brings low-interest loans to high-potential people.

Branch International

San Francisco

Branch delivers world-class financial services to the mobile generation. With offices in San Francisco, Lagos, Nairobi, Mumbai and Bangalore, Branch is a for-profit socially conscious company that uses the power of data science to reduce the cost of delivering financial services in emerging markets. We believe that everyone, everywhere deserves fair financial access. The rapid spread of smartphones presents an opportunity for the world's emerging middle class to access banking options and achieve financial flexibility. Branch's mission-driven team is led by founder and former CEO of Kiva.org. The company presents a rich opportunity for our team members to drive meaningful growth in rapidly evolving and changing markets. Most recently, Branch announced its Series C and has garnered more than $100M in funding with investments from leading Silicon Valley firms.

PayNearMe

Santa Clara

Payments, meet Progress.

Tilt Finance

San Francisco

At Tilt (formerly Empower), we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups, we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

Eltropy

Santa Clara

Eltropy is a Credit union and Community bank that offers voice, text messaging, secure chat, and video banking services.

Spinwheel Solutions

Oakland

The future of consumer credit data and payments is here.

Wefunder

San Francisco

An investment platform branded as Robinhood for pre-IPO startups, it aims to democratize early-stage investing and let everyone invest in the startups they care about, leveraging the JOBS Act to broaden the investor pool and support pre-IPO

Sapiom

San Francisco

The agentic economy is here, but it cannot progress until AI agents can autonomously access and operate across real-world systems and services. Sapiom gives AI agents trusted access to the API economy. We provide the essential infrastructure (KYA, wallets, spending and usage controls, and multi-rail payments) to unlock secure, programmatic commerce for the AI era. Built for the next era of commerce where agents buy, sell, and negotiate on our behalf. We're backed by world-class investors and are hiring exceptional engineers in SF to define the financial infrastructure for the agentic era. Learn more & join us: https://www.sapiom.ai

Pier

San Francisco

Pier is a fintech compliance platform for license management and regulatory reporting, enabling the next generation of financial services providers and expanding financial access for Americans. It has an oversubscribed round from top-tier v

Veritus Agent

San Francisco

Veritus is a YC-backed AI-native platform for loan servicing and debt collection that operates its own collections agency on the platform, acquires charged-off debt to service it with in-house AI agents, and owns the full stack from acquisi

Column

San Francisco

It is a nationally chartered bank built to enable developers and builders to create new financial products, and is the only bank with this focus.

Lendtable

San Francisco

Lendtable is a venture-backed fintech that helps Americans save and invest while maximizing their paycheck and benefits, with a focus on improving retirement-related benefits for workers; backed by Y Combinator, Valor Equity Partners, and S

Layerup

San Francisco

Layerup builds AI Agents for critical industries, starting with financial services and insurance, backed by investors including Y Combinator, Pioneer Fund, and Founders Inc. It has built AI apps, robots, and drones and was invited by NASA f

Forage

San Francisco

Forage builds payment technology to expand access to government benefits, helping SNAP EBT shoppers stretch grocery budgets and feed 42 million Americans. Backed by Nyca and PayPal Ventures, it aims to become a $1B+ business in a $100B+ mar

Jiko

San Francisco

Jiko operates a federally regulated national bank and a registered broker-dealer, delivering safety, speed, and simplicity via proprietary technology. Its digital-first solutions are accessible through a dashboard and API, embodied by the t

Nium

San Francisco

Nium is a global leader in real-time cross-border payments, delivering payments infrastructure for banks, fintechs, and businesses to collect, convert, and disburse funds across 220+ markets (100 real-time; 100 currencies); co-headquartered

Nova Credit

San Francisco

Nova Credit is a credit infrastructure and analytics company operating as a Consumer Reporting Agency that helps lenders grow responsibly with alternative data, turning fragmented data into compliant, actionable risk insights via a platform

Polly

San Francisco

Polly is a mortgage technology company that drives ROI through innovation enabling configurability, flexibility, granularity, and scalability in mortgage capital markets, serving banks, credit unions, and mortgage lenders; named to Forbes America's Best Startup Employers in 2025 and 2026.

Aven

San Francisco

Our mission is to provide the lowest cost, most convenient, and most transparent access to capital.

Torpago

Burlingame

Simplified Spending for Smart Businesses

WeTravel

San Francisco

At WeTravel, we believe managing multi-day travel should be seamless—so you can focus on delivering unforgettable experiences, not juggling tools. Our all-in-one platform powers the complete traveler journey, trusted by thousands of travel businesses worldwide. From custom, bookable itineraries to automated pre-departure tasks, global payment processing, and supplier payouts—we give you everything you need to run your business, grow revenue, and wow travelers at every step.

Credit Sesame

Mountain View

Credit Sesame is a credit and loan company that makes consumer credit and loan management simple and automated.

Wealthfront

Palo Alto

Wealthfront integrates investing and saving products to help young professionals build long-term wealth in any market condition.

Marqeta

Oakland

Marqeta is a card issuing platform that provides infrastructure and tools to help companies build and manage payment programs.

Poynt by GoDaddy

Palo Alto

Poynt is a technology company that builds hardware and software tools for businesses.

Derivative Path

Walnut Creek

Derivative Path offers a cloud platform for simplified international payments and OTC derivative trading, catering to all institution sizes.

Payactiv

Milpitas

Payactiv helps put financial wellness within reach.

ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT

San Jose

Accion Opportunity Fund is a nonprofit firm that provides funds to mall businesses.

Givefront

San Francisco

Givefront provides financial infrastructure for nonprofits, enabling automatic compliance and precise tracking of every dollar, backed by Y Combinator in Winter 2024. Harvard CS and statistics graduate Matt Tengtrakool founded the company,

SyntheticFi

San Francisco

SyntheticFi, a YCombinator-funded startup based in San Francisco, offers a platform that manages regulatory assets under management, disrupting legacy banks. It has surpassed $150 million in regulatory assets under management, with hundreds

Constant

San Francisco

Constant is a private credit investment platform focused on private credit investments.

PAX Markets

Redwood City

PAX Markets is a Redwood City-based exchange and co-located trading facility that co-designs hardware and software to run the matching engine on-chip, enabling ultra-fast crypto-to-Wall Street trading; it currently uses AWS FPGA F2 and aims

Fizz

San Francisco

Fizz is a fintech and #1 money app for young adults, helping users build credit and manage money. Backed by Kleiner Perkins, SV Angel, Y Combinator, and the founders of eight Unicorns, it serves students at 300+ universities from NYC.

InterPayments

San Francisco

InterPayments is an independent Managed Surcharge Recovery Service helping Fortune 1000s compliantly recover credit card surcharges in the US and Canada, managing compliance and indemnifying clients against non-compliance, positioning itsel

Bullish

San Francisco

The Bullish digital asset exchange offers market-leading order depth and consistently tight spreads all in a regulated environment. Bullish is regulated by the German Federal Financial Supervisory Authority (BaFIN ID 10162355/ BakNr 162355), the Hong Kong Securities and Futures Commission (CE No BUQ956) and the Gibraltar Financial Services Commission (DLT license: FSC1038FSA). Geographic restrictions apply. In the UK our services are available solely for HNW Companies and Professional Investors, and no other UK persons. Availability in the US is limited. Important info and risk warnings here: bullish.com/legal

RPX

San Francisco

RPX Corporation is the leading provider of patent risk solutions, offering defensive buying, acquisition syndication, patent intelligence, and advisory services. Since its founding in 2008, RPX has introduced efficiency to the patent market by providing a rational alternative to litigation. The San Francisco-based company's pioneering approach combines principal capital, deep patent expertise, and client contributions to generate enhanced patent buying power. By acquiring patents and patent rights, RPX helps to mitigate and manage patent risk for its growing client network. As of April 1, 2025, RPX has invested over $4.5B to acquire rights to 250K+ US and international patent assets on behalf of more than 250 members in eight key sectors: automotive, consumer electronics and PCs, e-commerce and software, financial services, media content and distribution, mobile communications and devices, networking, and semiconductors.