85 FinTech companies in San Francisco.
By the Numbers
Funding
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.
Campfire
Campfire is an AI-native ERP for mid-size and enterprise companies to close fast and scale faster. Based in San Francisco, it is backed by Accel, Foundation Capital, Y Combinator and Capital49(Airwallex), serving 50 to 5,000-employee firms
Bretton AI
Bretton AI (formerly Greenlite AI) builds AI agents for financial crime compliance, helping banks and fintechs automate AML and KYC work.
Salient
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
Zip
Zip, founded in 2020, pioneered procurement orchestration and leads $50B+ TAM, serving enterprises such as Instacart, Sephora, Reddit, Lyft, and brands like Airbnb, Facebook, Google. Valued at $2.2B with $370M in funding from Y Combinator,
Casca
Casca is building AGI for banking, replacing legacy systems with AI-native tech that automates 90% of manual work. It emphasizes responsible AI with human-in-the-loop monitoring and is backed by Y Combinator, Peterson Ventures, The Sarah Sm
Slash
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.
FurtherAI
FurtherAI is a domain-specific AI company for the insurance industry, helping insurers, reinsurers, MGAs, and brokers drive better decisions at scale. Backed by a16z, Y Combinator, Nexus, and Converge, it supports customers writing over $15
Gigs
Gigs is building the operating system for mobile services, enabling tech companies to embed connectivity and automate phone-plan provisioning for fintechs and HRIS platforms. Backed by nearly $100 million from Ribbit Capital, Google, and Y
Automat
Automat is a generative AI platform that creates and scales end-to-end automations, redefining Enterprise AI Agents, RPA, and Intelligent Document Processing; it serves some of the world's largest companies and claims 10x speed and lower co
Quanta
Quanta is the accounting service for software businesses who want to get their finances right, without delay. We’re the only service that can provide critical business metrics up to date daily, and will close your books as fast as the data
Layer
Layer provides embedded, API-first accounting software and bookkeeping services for vertical SaaS platforms and neobanks that serve small and medium-sized businesses, enabling seamless integration into the platforms SMB owners already use.
Central
**Central Payroll, benefits, state compliance & other bullsh*t for startups** Central kills back-office work for startups. While HR/payroll platforms give you software to figure it out, Central actually does all the work using AI agents an
Fifteenth
Fifteenth provides tax planning and filing for individuals in the tech industry, delivering a seamless tax experience. The firm uses cutting-edge software and a team of five engineers formerly at Flexport and Rippling, positioning it as a t
Eloquent AI
Eloquent AI designs autonomous AI agents for regulated industries, enabling real-time compliance and reducing hallucinations in high-stakes interactions, serving financial institutions and insurers worldwide from its San Francisco headquart
Sphinx
Sphinx builds AI analysts that operate inside browsers and internal systems. Its agents, used by banks and fintechs across the United States, Canada, Europe, and Latin America, handle 90% of manual work and cut costs by 4x.
Abacus
Abacus builds AI agents to automate tedious accounting workflows, redefining how accounting firms operate. It serves large enterprise clients, generates meaningful revenue, and is led by a two-person founding team backed by top-tier investo
Lumena
Lumena empowers domain experts to build AI-powered enterprise applications, enabling humans and AI to collaborate across systems such as Salesforce, NetSuite, and HubSpot. Its design partners include mid-market and enterprise companies in f
Infinite
Infinite is a stablecoin payment processor whose founding team previously built and scaled products at Coinbase and Sardine, bringing category-leading fintech experience to deliver stablecoin payments backed by recognized fintech leadership
Crescent
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
Pax
Pax is the first AI-powered duty drawback broker that automates and optimizes duty refunds, delivering 15% more refunds and a 99% reduction in processing time, founded by experts from Charter Brokerage, MIT, Google, Amazon, and Flexport.
Slope
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
Fazeshift
Fazeshift offers an AI-driven accounts receivable platform that automates AR processes, reduces manual work, and accelerates revenue cycles for large enterprises. Backed by Y Combinator, Gradient (Google’s AI venture arm), and founded by Ha
Zero Labs
At Zero develops a tax-forecasting engine with the goal of eliminating tax liabilities, positioning itself in the tax technology space.
Miter
Miter positions itself as the modern construction operating system, a leading HCM platform for the $2 trillion construction industry that uses AI and embedded payments to overhaul HR, finance, and operations, delivering cost savings and pro
Rippling
Rippling is a San Francisco-based workforce management platform that unifies applicant tracking, payroll, IT, and expenses, delivering a shared source of truth, automation, and insights by syncing data across apps to enable faster, better d
Harmonic
Harmonic is a startup discovery engine that converts fragmented sources into structured knowledge about startups, investors, and people, mapping the ecosystem and helping the most promising founders get found and funded by the world's large
Column Tax
Column Tax democratizes access to financial help by delivering game-changing tax solutions for everyday people, highlighting gaps in financial guidance and the need for affordable tax support (over 100 million Americans can’t cover a $1,000
Finley
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
Two Dots
Two Dots uses AI to reinvent consumer underwriting, starting with residential real estate. It harnesses data in consumer documents to improve lending decisions, pairing its underwriting agent with advanced document and identity anti-fraud c
Loop AI
Loop is building an enterprise co-pilot for restaurants, starting with delivery to serve the sector with an enterprise-level assistant.
Stream
Stream Platforms, Ltd is a B Corporation delivering fair financial services and modernizing insurance, whose Stream platform serves three million people through 2,000 brands across UK, Europe and the US, backed by YC and investors as a fina
Complete
Complete provides compensation for fast-growth startups, serving elite tech teams such as Render, Linear, Vercel, and DataStax. Revenue has grown threefold this year, momentum as the company is at an inflection point and plans significant t
Aspire
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
Rulebase
Rulebase delivers visibility and confidence to modern support teams, helping them understand and improve the customer experience in real time. Its technology stack includes Python, React, and Electron JS.
Hadrius
Hadrius automates and consolidates securities compliance for investment firms, serving over 500 institutions and more than $5 trillion AUM. A YC W23 alum with over $10M ARR, it’s described as fastest-growing company in its space and an emer
LedgerUp
LedgerUp is an AI-driven operations teammate for billing and accounts receivable that automates contract-to-cash workflows, reducing busywork for teams and driving growth.
CommodityAI
CommodityAI is a San Francisco-based AI company serving the commodities industry, founded by former commodity traders and operators with deep industry expertise. Backed by Y Combinator and Rebel Fund, it aims to build intelligence at the fo
AtoB
AtoB modernizes payments infrastructure for trucking and logistics, enabling instant, reliable, and fair capital movement in supply chains. Backed by over $125M from General Catalyst, Y Combinator, Mastercard, it's a Forbes Next Billion-Dol
Mesh
Mesh operates the first global crypto payment network connecting exchanges, wallets, and PSPs for digital asset payments, and is building AI-native accounting infrastructure to automate journal entries, reconciliation, and accruals for high
CaptivateIQ
CaptivateIQ Agile commission software to design, deploy & adapt commission plans. CaptivateIQ is on a journey to modernize the world of incentive compensation. Our hope is that people will feel more connected at work if there is greater tr
CoinTracker
CoinTracker enables global users to track assets across 300+ exchanges and 8,000+ cryptocurrencies, managing over $50B and representing 3% of the market; profitable, rapidly growing, and recently raised a $100M Series A, with partnerships i
Cardless
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.
SentiLink
SentiLink provides identity and risk solutions to prevent synthetic fraud, identity theft, and first-party fraud at account opening, serving major banks, credit unions, and fintechs. Founded in 2017 in San Francisco, it has raised $85 milli
Middesk
Middesk enables B2B companies to transact by connecting them to essential products and services, backed by Sequoia, Accel, and Y Combinator and serving customers such as Affirm, Brex, Plaid, Mercury, Divvy, Rippling, and Gusto.
Zeal
Zeal is a Series B fintech backed by Y Combinator, Spark Capital, and Portage, born in Cairo and operating from London. It builds an ecosystem for staffing, payments, loyalty, and AI insights, onboarding thousands of workers weekly and proc
Routable
**Simplifying payouts at scale** Routable’s secure B2B payments platform helps finance teams automate and simplify the payables process from invoice receipt to settlement. With support for your existing workflows and the flexibility to sca
Socure
Socure builds identity trust infrastructure to verify all good identities in real time and stop fraud before it starts. It serves financial services, government, gaming, healthcare, telecom, and e-commerce, with customers including Chime, S
Human Interest
**The 401(k) for small and medium-sized businesses.** Human Interest is on a mission to ensure that people in all lines of work have access to retirement benefits. Nearly half of all working Americans are not saving enough for their future
Duckbill
Provides financial planning and analysis for enterprise infrastructure to understand, negotiate, and optimize cloud spend. Operates in the cloud cost management space, targeting enterprise customers for cloud spend management and optimizati
LendUp
**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
Wefunder
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
Hammr
Hammr modernizes payroll and HR for the U.S. construction industry, offering a construction-specific alternative to platforms like ADP and Paychex in a $2.2 trillion market. Backed by $5M from YC and industry leaders, it's billed as a Rippl
Accend
Accend builds AI-powered risk, compliance, and underwriting automation tools for fintechs and banks. A YC S23 graduate, it has raised $6.2M in seed funding from Adverb Ventures, YC, General Catalyst, and 645 Ventures; clients include Pleo,
Pier
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
Finta
Finta is a platform that consolidates taxes, bookkeeping, and financial metrics for startups in one place, replacing traditional bookkeepers and QuickBooks, by integrating with Brex, Ramp, Stripe, and other tools to act as the source of tru
Egress Health
Egress Health automates dental insurance revenue cycle management, making accepting insurance as easy as cash by sending claims, tracking payments, and collecting reimbursements. It’s live at dozens of private clinics and groups and has a Y
Meridian
The company catalyzes the next generation of consumer experiences by redefining how people interact with products and services, driving innovation in everyday engagement and shaping how brands are experienced in modern markets.
Domu Technology Inc. (YC S24)
Domu Technology Inc. automates debt-collection calls for banks and insurers, serving six Fortune 500s and major firms including MetLife, BBVA, and BNP Paribas Cardif. A YC alum with a female-led team, it reduces costs and improves recovery
Prelude AI
The company is building an AI-native platform that makes financial advisors more effective, transforming wealth management by advancing advisory capabilities with advanced technology. Backed by a world-class founding team from top fintech a
Additive AI
Additive AI, founded in San Francisco, builds AI-powered tools to automate document-heavy tax and accounting workflows; acquired by Thomson Reuters in 2025, it operates as part of a global leader to help professionals make faster, more info
Chestnut
Chestnut is the first AI mortgage lender licensed in Texas and Colorado, completed YC X25 and backed by Y Combinator and Olive Tree Capital, founded by Spencer Brown to disrupt the $128B mortgage market with AI.
Kato
Kato builds an AI-powered servicing platform that automates critical workflows across channels with full compliance and best-in-class recoveries, in production with major fintech lenders including Bilt Rewards and Parafin, emphasizing a com
Veritus Agent
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
Pump.co
Pump is a cloud cost-savings company using group buying and AI to reduce AWS compute spend for startups; Forbes calls it the 'Costco of Cloud compute,' with 250+ customers and India expansion to save up to 60% on AWS costs.
Lendtable
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
Atlas
Atlas Card is a San Francisco-based fintech delivering modern spend management and concierge services. Founded in 2022 with 25 employees, its founders are Patrick Mrozowski, Sid Parihar, and Kenan Pulak; the company lists Tom Blomfield as a
Forage
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
Sphere
Sphere is an AI-powered cross-border tax compliance platform that automates sales tax, VAT, and GST, building local rails into tax authorities worldwide and the world’s first AI-native tax engine; backed by Felicis Ventures and Y Combinator
Nova Credit
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
Coinbase
Coinbase aims to increase economic freedom by building an on-chain platform to help shape the future global financial system through crypto and blockchain technology.
Givefront
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
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
Mercoa
Mercoa is an embedded B2B payments platform that enables B2B fintechs to add BillPay and Accounts Payable to their products, serving accounting firms, neobanks, and vertical SaaS across construction, e-commerce, and home services.
Modern Treasury
Modern Treasury builds payments operations solutions, focusing on payment operations as core to business. Described as a lean team, this positions the company as a focused provider in the payments operations space for businesses.
Oxygen
Oxygen is a San Francisco-based modern financial platform offering banking services for digital natives, creators and entrepreneurs. Backed by Runa Capital, Y Combinator and other fintech investors, its banking services are provided by The
Constant
Constant is a private credit investment platform focused on private credit investments.
Patterns
Patterns aims to make data analysis accessible by using natural language processing and AI to analyze data, aiming to simplify analytics and transform business intelligence, with next-gen financial analysis and AI agents for reporting; tech
Luthor
Luthor is the first AI-native compliance firm for RIAs and broker-dealers, delivering a full-stack program that automates SEC, FINRA, and FinCEN compliance by blending purpose-built LLMs with human expertise (including former SEC attorneys)
Fizz
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.
OneText
OneText, founded by former PayPal Checkout leaders, is a payments, AI, and marketing platform enabling payment via a phone number. Backed by Y Combinator, Coatue, Citi Ventures, Khosla Ventures, and founders of Warby Parker, Allbirds, Harry
Kontigo
Kontigo is a USDC-based neobank for Latinos building a globally accessible, stable currency platform. By combining neobank services with USDC technology, it aims to provide stable, accessible financial infrastructure for its Latino communit
Event Horizon Labs
Event Horizon Labs is building the Post-Human Trader, an autonomous system that turns raw compute and data into alpha, designed to trade without the friction or bias of human emotion.
Apero Health
Apero is a San Francisco-based Y Combinator-backed startup simplifying medical billing with greater transparency; it has raised about $240 million from notable investors and serves 30+ practices, some with 50+ providers, while actively hiri
GoodFin
GoodFin is a seed-stage startup unlocking private wealth and markets with AI-native, human-driven platforms for hyperpersonalized, automated investments in alternative assets, targeting the next generation amid the largest intergenerational
