Leading US Fintech Startups to Watch in 2025 [Extended List]

We’ve made a list of the top 50 US fintech startups to watch in 2025.

From next-generation infrastructure to smarter lending, embedded finance, and AI-powered risk management, a wave of fintech startups is reshaping the financial landscape.

This list shows the most innovative US fintech startups gaining traction, raising capital, and transforming how individuals and businesses engage with financial products across payments, compliance, and beyond.

Let’s dive in.

1. Bilt Rewards‍

Industry: Fintech – rent and neighborhood loyalty/payments

Loyalty platform enabling renters to earn points on rent neighborhood spending and home buying; includes a co-branded credit card and path-to-homeownership tools.

Location: New York NY USA
Founded: 2019 (launched 2021) by Ankur Jain
Last Funding Round: $150M growth round (August 2024) led by Teachers' Venture Growth
Total Funding: ~$563M equity raised including $200 M in Jan 2024 and $150 M in Aug 2024
Valuation: $3.25B post-August 2024 round
Number of Users: >4.5 million homes across rental properties; over 1 million credit card accounts; platform sees $30 billion+ annual spend
Growth Rate: Platform spend up ~50% since Jan 2024; expanded merchant base to 21000+ restaurants and 3500+ fitness studios; profitable EBIDTA in 2023

Key Features‍

Rent payments earning rewards, co-branded credit card (no rent fees), neighborhood merchant rewards, rent reporting to credit bureaus, home purchase points, homebuying tools, travel redemptions, fitness and dining partner network

2. Zip

Industry: Fintech / Procurement Orchestration

Zip is an AI-powered procurement orchestration platform that streamlines business spend processes, offering solutions for intake-to-pay, accounts payable automation, and supplier risk management.

Location: San Francisco, CA
Founded: 2020
Last Funding Round: Series D, $190M (October 21, 2024)
Total Funding: $371M
Valuation: $2.2B (October 2024)
Number of Users: Over 250 enterprise customers, including Snowflake, Coinbase, and Reddit
Growth Rate: Processed over $100B in business spend; expanded presence in EMEA and launched Zip AI Lab

Key Features‍

AI-driven spend automation, procure-to-pay suite, purchase order management, accounts payable automation, supplier risk orchestration, global B2B payments, Zip AI Lab, and enterprise integrations.

3. Clear Street

Industry: Fintech / Prime Brokerage & Clearing

Clear Street is a cloud-native independent prime broker offering modern infrastructure for capital markets providing services such as clearing custody execution and financing across various asset classes.

Location: New York NY
Founded: 2018
Last Funding Round: Series B $270M (April 2023); total Series B funding $435M
Total Funding: $685M
Valuation: $2.1B (July 2024)
Number of Users: Over 200 institutional clients including hedge funds and asset managers
Growth Rate: 500% increase in institutional clients 300% increase in daily transactional volume and 150% increase in financing balances over the past year

Key Features‍

Cloud-native platform, multi-asset class support, real-time processing, API-first architecture, capital introduction, repo services, securities lending, fixed-income clearing

4. Jeeves

Industry: Fintech / Cross-Border Payments & Expense Management

Jeeves is a global financial platform offering corporate cards expense management and cross-border payments tailored for startups and enterprises operating across multiple countries.

Location: Miami FL (Headquarters); additional offices in Mexico City São Paulo Bogotá Toronto and London
Founded: 2020
Last Funding Round: Series C $180M (March 22 2022)
Total Funding: $447M
Valuation: $2.1B (March 2022)
Number of Users: Over 5000 companies across North America Latin America and Europe
Growth Rate: Revenue grew by 900% and client base doubled to over 3000 companies between September 2021 and March 2022

Key Features‍

Multi-currency corporate cards (physical & virtual), cross-border payments (150+ countries), real-time expense tracking, automated reporting, ERP integrations, cash management, working capital, 4% cashback, no personal guarantees

5. Wayflyer

Industry: FinTech / Revenue-Based Financing

Wayflyer is a revenue-based financing platform that provides flexible non-dilutive funding to e-commerce businesses. By leveraging data-driven insights Wayflyer offers tailored financing solutions to help brands scale their operations without giving up equity.

Location: Dublin Ireland (Headquarters); additional offices in London New York and Sydney
Founded: 2019
Last Funding Round: Series B February 2022 $150 million
Total Funding: Approximately $1.24 billion over 7 rounds
Valuation: $1.6 billion (as of Series B in February 2022)
Number of Users: Over 5000 e-commerce brands globally
Growth Rate: Achieved 900% year-over-year growth in capital deployments in 2021

Key Features‍

Revenue-based financing, data-driven underwriting, non-dilutive funding, flexible repayment terms, fast application process, e-commerce platform integrations, global presence in 11 countries, partnerships with financial institutions

6. Alloy

Industry: Identity decisioning platform for banks and fintech (RegTech/Fintech Infrastructure)

API-driven platform that consolidates 160+ data sources (KYC KYB AML credit compliance) to automate identity verification fraud prevention transaction monitoring and risk-based customer onboarding.

Location: New York City USA
Founded: 2015 by Tommy Nicholas Laura Spiekerman and Charles Hearn
Last Funding Round: Series C extension – $52M (September 2022) led by Lightspeed Venture Partners and Avenir Growth
Total Funding: ~$192M (including $100M Series C Sep 2021 $40M Series B Sep 2020 and $52M extension Sep 2022)
Valuation: $1.55B post-extension (Sept 2022)
Number of Users: Used by 300+ banks and fintechs (e.g. Ally Bank Gemini Ramp) processing over 1 million identity and transaction decisions daily
Growth Rate: Revenue more than doubled year-over-year prior to Sept 2022; tripled revenue post-Series B doubled headcount expanded into 40 countries

Key Features‍

KYC/KYB integration, AML & fraud detection, transaction monitoring, credit underwriting tools, API-driven identity workflows, single API for multiple data sources, global compliance support, risk policy automation, developer-friendly dashboards, enterprise-grade scalability

7. Unit

Industry: Embedded finance infrastructure (Fintech/SaaS)

Provides fintech companies and platforms with APIs and white-label UIs to embed banking payments cards expense management and capital into their products enabling fast go-to-market with built-in compliance and partner banks.

Location: New York NY & San Francisco CA USA
Founded: 2019 by Itai Damti and Doron Somech
Last Funding Round: Series C – $100M (April 10 2025) led by Insight Partners
Total Funding: ~$388M total
Valuation: $1.2B post-Series C
Number of Users: 140+ platform partners powering 1.2 million end-customers; deposits over $1.1B; 350000+ banked end-users; handles $22B+ annual transaction volume
Growth Rate: Deposits grew 10× and banked customers 7× in six months pre-Series C; transaction volume increased 5.5× in 2023; processing 12 M+ daily API calls

Key Features‍

Accounts & wallets money movement (ACH/wire/checks) card issuing, capital products lending, APIs white-label UIs compliance tools dashboard & analytics, API-first integration embedded risk & bank oversight

8. Aven

Industry: Fintech – home equity–backed credit card provider (embedded finance)

Issues a credit card linked to home equity lines offering homeowners lower interest rates (7.99–15.49% APR) fast approvals mobile advisory tools and future plans for auto-backed cards and mortgage refinancing.

Location: Campbell & San Francisco California USA
Founded: 2019 by Sadi Khan Collin Wikman & Murtada Shah (Facebook/Square alumni)
Last Funding Round: Series D – $142M (July 2024) co-led by Khosla Ventures & General Catalyst
Total Funding: $142M
Valuation: $1B post-Series D (July 2024)
Number of Users: Over 160000 cardholders; $1.5 billion in credit lines issued; saved customers >$100 million in interest
Growth Rate: 3× revenue growth in 2023; available in 30+ states (expanding to all 50 by 2025); advisory tool has 160k+ users

Key Features‍

Home equity–linked credit card, fast approval mobile financial advisory app (Aven Advisor), competitive APRs 2%+ cashback, zero fees to join broad collateral-backed credit online account management, scalable expansion across states

9. Monarch Money

Industry: Fintech / Personal Finance Management

Monarch Money is a subscription-based personal finance platform designed to help individuals and households manage their finances. The platform offers tools for budgeting, net worth tracking, goal setting, investment tracking, and collaborative financial planning. It emphasizes user privacy by operating without ads or data monetization.

Location: San Francisco, CA
Founded: 2018
Last Funding Round: Series B, $75M (May 23, 2025)
Total Funding: $100M+
Valuation: $850M (as of May 2025)
Number of Users: Over 500,000 active users, with a 20-fold increase in subscribers following the shutdown of Mint in early 2024
Growth Rate: Annual recurring revenue (ARR) increased from $5M to $30M in 2024, reflecting a sixfold growth

Key Features‍

Budgeting, net worth tracking, investment tracking, goal setting, collaborative financial planning, AI-driven insights, multi-account aggregation (supporting over 13,000 financial institutions), and cross-platform accessibility (web, iOS, Android)

10. Petal

Industry: Fintech / Digital Lending

Petal offers Visa credit cards and a cash‑management app that build credit via proprietary CashScore underwriting based on cash flow targeting underserved consumers with little/no credit history.

Location: New York, NY
Founded: 2016
Last Funding Round: $200M debt facility (Aug 2023) + $20M equity (Aug 2023)
Total Funding: ~$993M (incl. ~$300M equity, ~$450M+ debt)
Valuation: $840M (post‑Series D Jan 2022)
Number of Users: ~400,000 cardholders (May 2023)
Growth Rate: Revenue grew from ~$11M to ~$50M in 2021, annualized ~$80M in 2022; user base grew from ~300K to ~400K approvals; targeted profitability in 2024

Key Features‍

Cash flow underwriting (CashScore), no‑score credit approval, Visa cards, mobile budgeting and credit tracking tools, B2B spin‑off Prism Data licensing CashScore, some card versions with monthly or annual fees (e.g. $59 annual for Rise; $8/mo for newer Petal 1)

11. AtoB

Industry: Fintech / Fleet Payments & Fuel Management

AtoB offers a modern fuel card platform designed for fleets of all sizes, providing real-time spend controls, telematics integration, and significant fuel discounts. Their platform aims to replace outdated fleet payment systems with transparent, efficient solutions.

Location: San Francisco, CA
Founded: 2019
Last Funding Round: Series C $125M (August 2022)
Total Funding: $182M
Valuation: $800M (August 2022)
Number of Users: Over 25,000 trucking companies and commercial drivers
Growth Rate: Revenue increased from $2M in 2021 to over $20M in 2022

Key Features‍

Fuel discounts averaging $0.42 per gallon, acceptance at over 99% of U.S. fuel stations, real-time spend controls, telematics integration, SMS card unlock, no hidden fees, 24/7 customer support, and tools to build business credit through regular reporting to Experian

12. Lithic

Industry: Fintech / Card Issuing Infrastructure

Lithic provides a developer-first platform for issuing physical, virtual, and tokenized debit, credit, and prepaid cards. It offers customizable card programs with real-time transaction monitoring, reconciliation, and API-based integrations.

Location: New York, NY
Founded: 2014 (as Privacy.com; rebranded to Lithic in 2021)
Last Funding Round: Series C $60M (July 2021)
Total Funding: $115M
Valuation: $800M (July 2021)
Number of Users: Over $1 billion in monthly transaction volume as of November 2024
Growth Rate: Doubled transaction volume from $250M in July 2022 to $1B by November 2024

Key Features‍

Developer-first APIs, real-time transaction webhooks, customizable card programs, tokenized and virtual card issuance, 3D Secure (3DS) support, PCI compliance, ACH and disbursement capabilities, rewards and incentives, expense management, fleet cards, and multi-currency support

13. Highnote

Industry: FinTech / Embedded Payments

Highnote is a modern card platform that enables companies to embed virtual and physical card payments into their products. Their platform offers issuing, acquiring, and credit program capabilities, providing a unified solution for businesses to manage payments seamlessly.

Location: San Francisco, California, USA
Founded: 2020
Last Funding Round: $90M Series B (October 2022)
Total Funding: $156M
Valuation: $750M (as of October 2022)
Number of Users: 1000+ customers
Growth Rate: 32.8% CAGR between 2024 and 2030 - projected growth

Key Features‍

Virtual and physical card issuance, acquiring solutions, credit program management, unified payments platform, API-driven ledger, real-time transaction tracking, customizable payment solutions

14. Parafin

Industry: Embedded finance infrastructure for SMBs (Fintech/SaaS)

Provides platforms (marketplaces, SaaS, payment processors) with embedded financial services - capital, expense management, savings - through a single integration with machine-learning underwriting using platform data.

Location: San Francisco, California, USA
Founded: 2020 by Sahill Poddar, Ralph Furman & Vineet Goel
Last Funding Round: Series C – $100M (December 2024) led by Notable Capital with participation from Redpoint, GIC, Ribbit Capital, Thrive Capital
Total Funding: Approximately $154M equity plus $218M in debt/warehouse facilities (including $60M Series B, $125M SVB warehouse, $93M debt line)
Valuation: $750M post‑Series C
Number of Users: Services tens of thousands of SMBs across the US & Canada; platforms funded ~$1 billion annually; partners include Amazon, DoorDash, Walmart, TikTok Shop
Growth Rate: Transaction volumes grew ~400% since Series B (Sept 2022); forecasts profitability within six months of Series C; boasts ~700,000 SMBs on partner platforms and continues expansion

Key Features‍

Embedded capital products, ML-based underwriting, expense management tools, savings solutions, warehouse debt facility, no-code integration platform, partner dashboards, real-time risk analytics

15. Ethic

Industry: Fintech / Sustainable Asset Management

Ethic provides a tech-driven platform enabling wealth advisors and institutions to build personalized, values-aligned investment portfolios. The platform offers custom direct indexing, tax-optimized strategies, and transparent impact reporting, focusing on sustainability and social responsibility.

Location: New York, NY
Founded: 2015
Last Funding Round: Series D-1, $32M (April 3, 2025)
Total Funding: $173.89M
Valuation: $699.13M (as of April 2025)
Number of Users: Over 200 organizations, including multi-family offices, single-family offices, and institutions
Growth Rate: Assets under management surpassed $5 billion in Q1 2024, doubling since the beginning of 2023; 80% of new assets from family offices and institutions

Key Features‍

Direct indexing, separately managed accounts (SMAs), unified managed accounts (UMAs), multi-asset portfolios, tax optimization, transparent impact reporting, educational resources, and integrations with custodians like Fidelity, Charles Schwab, and UBS

16. Bitwise

Industry: Fintech / Crypto Asset Management

Bitwise Asset Management is a leading U.S.-based investment firm specializing in cryptocurrency-focused financial products. Established in 2017, Bitwise offers a range of investment vehicles, including the Bitwise 10 Crypto Index Fund (BITW), the Bitwise Bitcoin ETF (BITB), and various exchange-traded products (ETPs) targeting digital assets. The firm caters to institutional investors, registered investment advisors (RIAs), family offices, and high-net-worth individuals, providing diversified exposure to the cryptocurrency market.

Location: San Francisco, CA; New York
Founded: 2017
Last Funding Round: Series D, $70M (February 28, 2025)
Total Funding: $154M
Valuation: $500M–1B Estimated
Number of Users: Over 3,000 wealth teams, RIAs, family offices, and institutional clients
Growth Rate: Assets under management surpassed $12 billion in 2024, with a tenfold increase from the previous year

Key Features‍

BITW (crypto index fund), BITB (spot Bitcoin ETF), BITQ (crypto industry innovators ETF), ETHW (Ethereum ETF), ETPs for Bitcoin, Ethereum, Solana, XRP, and other digital assets, private placement funds, separately managed accounts (SMAs), staking services, and institutional-grade custody solutions

17. Sardine AI

Industry: FinTech / AI Risk Management

Sardine is an AI-driven platform specializing in fraud prevention, compliance, and credit underwriting. It leverages device intelligence, behavioral biometrics, and machine learning to detect and prevent financial crimes in real time.

Location: San Francisco, California, USA
Founded: 2020
Last Funding Round: $70M Series C (February 2025)
Total Funding: $145M
Valuation: $660M (as of February 2025)
Number of Users: Over 300 enterprise customers across 70+ countries
Growth Rate: Annual Recurring Revenue (ARR) grew by 130% in 2024

Key Features‍

Device intelligence, behavioral biometrics, real-time fraud detection, AI-powered compliance agents, KYC/KYB, sanctions screening, AML transaction monitoring, credit underwriting, chargeback prevention, risk scoring, case management, no-code rule engine, data enrichment from 40+ providers

18. TRM Labs

Industry: Fintech / Blockchain Intelligence & Crypto Risk

TRM Labs provides blockchain intelligence and analytics tools for financial institutions, crypto firms, and government agencies to detect money laundering, fraud, and illicit finance across 26 blockchains and 1M+ assets.

Location: San Francisco, CA
Founded: 2018
Last Funding Round: Series B expansion, $70M (November 2022)
Total Funding: ~$150M
Valuation: $600M (latest disclosed)
Number of Users: 90+ person team; customers include IRS, FTX, Circle, Goldman Sachs, Shopify, Uniswap
Growth Rate: 490% YoY revenue growth; team grew from 4 to 150+; global expansion

Key Features‍

Cross-chain transaction monitoring, AML/KYC compliance tools, wallet screening/risk scoring, on-chain forensic investigations, entity risk detection, incident response, and scam-reporting platform (Chainabuse)

19. Imprint

Industry: Fintech / Co-Branded Credit Cards

Imprint partners with global brands to design, launch, and manage bespoke co-branded credit card programs, enhancing customer engagement and loyalty through tailored financial products.

Location: New York, NY
Founded: 2020
Last Funding Round: Series C $75M (October 2024)
Total Funding: $200M+
Valuation: $600M (October 2024)
Number of Users: Not publicly disclosed
Growth Rate: Rapid expansion with multiple new brand partnerships and increased cardholder engagement

Key Features‍

Customizable rewards programs, cloud-based credit card and risk platforms, AI and machine learning integration, rapid program launch in as little as 3 months, partnerships with brands like H-E-B, Eddie Bauer, Turkish Airlines, and Brooks Brothers

20. Cleo

Industry: FinTech / AI-Powered Personal Finance

Cleo is an AI-driven financial assistant designed to help Gen Z and millennial users manage their finances through a conversational interface. The app offers budgeting tools, savings features, credit-building options, and cash advances, all while maintaining a humorous and engaging tone.

Location: New York, USA
Founded: 2016 by Barney Hussey-Yeo
Last Funding Round: Series C $80M closed in 2024
Total Funding: $175M
Valuation: $500M
Number of Users: Over 600,000 paying subscribers in the US with many more using the free version (millions of total users)
Growth Rate: 119.5% annual sales growth over the past three years

Key Features‍

AI-powered financial assistant, budgeting tools, savings features, credit-building options, cash advances, conversational interface, "Roast Mode" for spending alerts, integration with bank accounts, personalized financial advice, subscription-based revenue model, transaction fee-based revenue model, mobile app for iOS and Android

21. Metronome

Industry: Fintech / Usage-Based Billing Platform

Metronome offers a usage-based billing platform enabling software companies to launch, iterate, and scale their business models with flexibility and speed. The platform supports various pricing models, including pay-as-you-go, hybrid, and enterprise contracts, facilitating rapid product launches and seamless billing integration.

Location: San Francisco, CA
Founded: 2019
Last Funding Round: Series C, $50M
Total Funding: $128M
Valuation: $470M post-Series C
Number of Users: Powers billing for over 150 million end users
Growth Rate: Achieved an 8x increase in dollars billed on the platform in 2024

Key Features‍

High-throughput data platform, modular pricing engine, real-time usage insights, flexible pricing metrics, dimensional pricing structure, enterprise contract support, self-serve and marketplace billing, customer-facing dashboards, and integrations with tools like Looker, Mode, and Hex

22. Slash

Industry: Fintech / Vertical Banking

Slash offers tailored business banking solutions for high-spend industries, combining traditional banking features with industry-specific tools such as virtual cards, cashback rewards, crypto on/off ramps, and multi-entity management.

Location: San Francisco, CA
Founded: 2021
Last Funding Round: Series B $41M (May 23, 2025)
Total Funding: $60M+
Valuation: $370M (May 2025)
Number of Users: 1,000+ businesses
Growth Rate: $3B+ annualized card spend; 4M+ virtual cards issued

Key Features‍

2% cashback corporate cards, virtual cards, multi-entity support, crypto on/off ramps, developer-friendly APIs, real-time payments, enhanced FDIC insurance, analytics, and spend controls

23. Rogo AI

Industry: Fintech / AI-powered investment banking platform

Rogo offers a secure, enterprise-grade AI chatbot that automates investment banking research and analysis - company profiling, valuation benchmarking, competitor mapping, pitch deck generation, earnings summaries - tailored for Wall Street firms.

Location: New York, NY
Founded: 2022 (emerged from stealth early 2024)
Last Funding Round: Series B $50M (April 30, 2025)
Total Funding: $75M (Series A $18.5M Oct 2024 + Series B $50M)
Valuation: ~$350M post-Series B (April 2025)
Number of Users: Deployed at 25+ leading financial firms including Lazard, Moelis, Nomura, Tiger Global, GTCR
Growth Rate: Platform achieved multi‑million‑dollar ARR post-Series A with rapid new customer adoption; Series B raised just 7 months after Series A

Key Features‍

Finance-specialized LLMs, secure enterprise deployment, integration with internal/external data, auditable citations, automated pitch materials, valuation comp analysis, earnings call summaries, custom workflows tailored to investment banking tasks

24. Rain

Industry: FinTech / Employee Financial Wellness

Rain offers an employer-integrated platform providing earned wage access (EWA) and financial wellness tools to employees, enabling them to access earned wages before payday and manage their finances effectively.

Location: Venice, California, USA
Founded: 2019
Last Funding Round: Series B (April 2025) $75M
Total Funding: $99.5M+
Valuation: $340M post-money (April 2025)
Number of Users: Over 2.5 million employees
Growth Rate: Strong growth with rapid adoption; 70% of monthly adoption driven by financial wellness services; significant bookings and user growth reported in 2025

Key Features‍

Earned wage access, financial wellness tools, spending trend analysis, overdraft alerts, credit card offerings, savings accounts, tax filing services, financial education portal, AI-powered financial coaching, employer messaging tools

25. Finix

Industry: Fintech / Payments Infrastructure

Finix is a full-stack payment processor enabling businesses to accept and send payments online and in-store. It offers a suite of no-code, low-code, and API-driven solutions tailored for software platforms, marketplaces, and enterprises.

Location: San Francisco, CA
Founded: 2015
Last Funding Round: Series C, $75M (October 24, 2024)
Total Funding: $208M
Valuation: $300–450M Estimated
Number of Users: Over 24,000 merchants across the U.S. and Canada
Growth Rate: Quadrupled revenue in the past year; processed 432 million transactions daily as of October 2024

Key Features‍

No-code checkout pages, payment links, virtual terminal, tokenization forms, recurring billing, real-time payouts, omnichannel support (online and in-store), cross-border payments, direct integrations with Visa, Mastercard, American Express, and Discover, developer-friendly APIs, and customizable pricing models

26. Flex

Industry: Fintech / Business Finance Platform

Flex is a Miami-based fintech company offering an all-in-one financial platform designed for small and medium-sized business (SMB) owners. The platform integrates business banking, expense management, credit cards, and accounts payable (AP) automation to streamline financial operations. Flex aims to simplify the management of both business and personal finances through a single dashboard.

Location: Miami, Florida, United States
Founded: 2022
Last Funding Round: Series B, $225M (March 2025)
Total Funding: Approximately $300M
Valuation: Estimated $250M
Number of Users: Over 1,000 businesses, including companies like Shoreside Support, Freebird, and MOD Partners
Growth Rate: Surpassed $1 billion in annualized total payment volume within 18 months of launching its credit card and AP automation product; experiencing a 25% month-over-month growth rate as of March 2025

Key Features‍

Flex Credit Card with 0% interest for 60 days, Flex Banking offering up to 2.99% APY on idle cash, AI-powered AP automation, global payments to over 180 countries, expense management with AI-driven controls, and integration with accounting software like QuickBooks, Xero, and NetSuite

27. TomoCredit

Industry: Fintech

TomoCredit offers a fee-free, no-credit-check credit card using a proprietary "Tomo Score" based on cash flow, aiming to help credit-invisible users build credit quickly.

Location: San Francisco, CA
Founded: 2018
Last Funding Round: Series B $22M (July 2022) + $100M debt (July 2022)
Total Funding: Approximately $139M
Valuation: $222M post-money (2022)
Number of Users: Over 4 million
Growth Rate: 1000% YoY revenue growth reported in 2022

Key Features‍

No credit check signup, no annual fees, 0% APR, credit limits up to $30,000, proprietary Tomo Score, revenue from merchant interchange, AI-powered wellness tools, rent-reporting credit building

28. Slope

Industry: Fintech / B2B Payments & Financing

Slope is an AI-powered platform digitizing order-to-cash workflows — automated onboarding, invoice processing, payment reconciliation, customer/vendor risk assessment, and embedded short-term financing for SMBs and enterprises.

Location: San Francisco, CA
Founded: 2021
Last Funding Round: Strategic equity + debt $65M (July 17, 2024)
Total Funding: $252M (approx. $77M equity + $175M debt)
Valuation: Not publicly disclosed
Number of Users: Used by enterprises and midsize companies, including Fiserv; installed at 11–50 employees
Growth Rate: 2023 revenue hit eight figures; 17× increase in volume and revenue YoY prior to July 2024 funding; rapid enterprise adoption

Key Features‍

Instant credit lines and embedded financing, AI-driven cash flow underwriting, order-to-cash automation, risk/fraud detection, payment reconciliation, developer-friendly API, SlopeGPT model for financial data processing

29. Rho Technologies

Industry: Fintech – Business Banking and Spend Management (Embedded finance/SaaS)

Rho offers a unified platform combining FDIC-insured bank accounts, corporate credit cards, AP automation, expense management, cash management, and treasury services — designed for high-growth companies and finance teams.

Location: New York, NY, USA
Founded: 2018 by Everett Cook and Alex Wheldon
Last Funding Round: Series B – $75M (July 25, 2024) led by Dragoneer Growth and DFJ Growth
Total Funding: $200M+ equity and debt financing
Valuation: Not publicly disclosed
Number of Users: Handles billions in annualized transaction volume, serves hundreds of high-growth companies; saw 50% transaction growth in 2021
Growth Rate: Annualized transaction volume grew from ~$2B in Dec 2020 to ~$6B by Nov 2021 (~3× growth); continues rapid scaling through new products and funding

Key Features‍

Business checking/savings, corporate credit cards, AP/invoice automation, expense management, real-time transaction tracking, treasury tools, multi-user roles, FDIC-insured deposits, integration with accounting systems, partner portal, AI-powered AP capabilities

30. Arc

Industry: Fintech – Capital Management & Venture Debt Marketplace for Startups (Embedded finance/SaaS)

Arc is an AI-powered platform enabling software startups to convert future revenue into upfront non-dilutive capital, access treasury accounts with yield-bearing deposits, manage cash via dashboards, and connect with a private credit network.

Location: San Francisco, CA & New York, NY, USA
Founded: 2021
Last Funding Round: Series A – $20M in August 2022 led by Left Lane Capital
Total Funding: Approximately $181M (equity + credit) over 2021–2022
Valuation: Not disclosed
Number of Users: Platform adopted by over 1,000 startups; deployed "tens of millions" in non‑dilutive capital; venture debt marketplace has $100+ billion in committed capital and completed 350+ transactions
Growth Rate: Deposits up >12× in 2023; onboarded 4,000+ users post‑SVB crisis; rapid expansion of treasury and lending services

Key Features‍

Revenue-based financing (Arc Advance), yield-bearing treasury accounts, instant deposits, unlimited cards, cash dashboards (Arc Treasury), AI-driven credit marketplace, financial analytics, integrated spend tools, API access, FDIC-backed via Evolve Bank, banking partnership with Stripe & Fifth Third

31. Mesh

Industry: FinTech / Crypto Payments

Mesh operates a global crypto payments network facilitating seamless digital asset payments and conversions across exchanges, wallets, and financial services platforms. The company emphasizes security, ease of integration, and compliance in its offerings.

Location: San Francisco, California, USA
Founded: May 2020
Last Funding Round: Series B $82M closed March 2025
Total Funding: $124.5M
Valuation: Not publicly disclosed
Number of Users: Available to over 400 million users through partnerships with MetaMask, Shift4, Revolut, and others across 100+ countries
Growth Rate: Aggressively scaling with rapid new partnerships and product launches following 2025 funding

Key Features‍

Global crypto payments network, seamless digital asset payments, exchange and wallet integrations, compliance-focused platform, secure payment infrastructure

32. Canopy

Industry: Accounting Software, Fintech, AI Automation

Canopy provides a firm-wide operating system designed to streamline accounting firm operations. Its platform offers integrated solutions for client engagement, document management, workflow automation, time & billing, and tax resolution, all enhanced with AI capabilities.

Location: Salt Lake City, Utah, USA
Founded: 2015
Last Funding Round: Series C – $70M on April 29, 2025
Total Funding: Approximately $120M
Valuation: Not publicly disclosed
Number of Users: Over 4,000 accounting firms
Growth Rate: Achieved $9.4 million in annual revenue in 2024, up from $5.6 million in 2023, indicating strong growth

Key Features‍

AI-powered automation, client engagement tools, document management, workflow optimization, time & billing tracking, tax resolution management, SOC2-certified security, mobile app access, client portal, e-signatures, CRM functionality, customizable practice management solutions

33. Found

Industry: Fintech / Business Banking for the Self-Employed

Found offers an all-in-one financial platform tailored for freelancers, contractors, and small business owners, combining business checking, automated bookkeeping, tax tools, and invoicing in a single app.

Location: San Francisco, CA
Founded: 2020
Last Funding Round: Series B $60M (February 17, 2022)
Total Funding: $119M
Valuation: Not publicly disclosed
Number of Users: Over 30,000 businesses
Growth Rate: Recognized as one of the most promising fintech startups by top investors in 2024

Key Features‍

Business checking with no minimum balance or hidden fees, automated expense categorization, real-time tax estimates, Schedule C tax filing support, unlimited invoicing, receipt scanning, virtual cards, contractor management, Found Plus subscription with 1.5% APY on balances up to $20K, in-app quarterly tax payments

34. Digits

Industry: Fintech / AI-Powered Accounting Automation

Digits offers a fully automated accounting platform for startups and small businesses, providing real-time financial insights, AI-driven bookkeeping, invoicing, bill pay, and reporting through its Autonomous General Ledger® (AGL).

Location: San Francisco, CA
Founded: 2020
Last Funding Round: Series B $60M (July 2024)
Total Funding: $100M
Valuation: Not publicly disclosed
Number of Users: Thousands of startups, small businesses, and accounting firms
Growth Rate: Accelerated adoption post-AGL launch; over 700 accounting firms joined the Partner Program within months

Key Features‍

24/7 AI bookkeeping, real-time financial dashboards, automated invoicing and bill pay, accrual and depreciation schedules, interactive management reports, secure document storage, multi-entity support, custom chart of accounts, 12,000+ real-time integrations, built-in collaboration tools

35. Justt AI

Industry: Fintech / Chargeback Management & Fraud Prevention

Justt provides an AI-powered platform that automates chargeback disputes for e-commerce merchants, enhancing recovery rates by generating dynamic case-specific representments and integrating with over 40 payment service providers.

Location: New York, NY
Founded: 2020
Last Funding Round: Series C $30M (December 2024)
Total Funding: $100M
Valuation: Not publicly disclosed
Number of Users: Over 200 clients, including major e-commerce platforms
Growth Rate: Revenue tripled in 2023 and doubled again in 2024; chargeback volume managed nearly doubled year-over-year in 2024

Key Features‍

AI-driven dynamic arguments, integration with 40+ PSPs (e.g. Stripe, PayPal, American Express), centralized chargeback approval, multilingual dispute management, custom automation rules, predictive insights dashboard, evidence enrichment from 500+ data points, continuous A/B testing for optimization

36. Candid Health

Industry: Fintech / Healthcare Revenue Cycle Automation

Candid Health automates medical claims submission and billing using a rules-based engine and machine learning to improve touchless claim rates, reduce denials, and accelerate provider reimbursement.

Location: San Francisco, CA
Founded: 2019
Last Funding Round: Series C, $52.5M (February 12, 2025) and prior Series B $29M (September 11, 2024)
Total Funding: $99.5M
Valuation: Not publicly disclosed
Number of Users: Over 200 healthcare provider organizations
Growth Rate: 250% YoY revenue growth in 2024

Key Features‍

Automated claims submission, sophisticated billing rules engine, high touchless claim rate (>95%), ML-driven denial prevention, generative AI enhancements planned, reduced manual billing workload

37. Arta

Industry: Fintech / Wealth-Management Digital Family Office

Arta provides AI-powered wealth management for accredited investors, offering personalized public and private market portfolios, alternative assets access, AI copilot, and advisory services.

Location: Mountain View, CA
Founded: 2022
Last Funding Round: Seed $90M (November 2022)
Total Funding: ~$90M (initial)
Valuation: Not publicly disclosed
Number of Users: Serves accredited investors (exact user count not disclosed)
Growth Rate: Expanded globally, launched in Singapore (July 2024), manages hundreds of millions in assets, assets under management >$100M by late 2023; AI-driven adoption in US, Singapore, India

Key Features‍

AI investment copilot, access to private equity and alternative assets, credit lines against assets, personalized portfolio construction, tax and estate planning, B2B wealth-as-a-service for banks, mobile and desktop platform

38. Crux

Industry: Fintech / Sustainable Finance / Clean Energy Capital Markets

Crux enables clean energy developers, manufacturers, and financial institutions to transact transferable tax credits and access debt financing through a software marketplace and intelligence tools.

Location: New York, NY
Founded: January 2023
Last Funding Round: Series B $50M (April 16, 2025)
Total Funding: Over $77M
Valuation: Not publicly disclosed
Number of Users: 630+ market participants (developers, lenders, buyers)
Growth Rate: Facilitated 70+ tax credit transfers totaling billions; network grew to 630 participants and targeting 1,000 by year-end; debt marketplace includes 100+ projects raising $11B+ term sheets from 90+ institutions

Key Features‍

Transferable tax credit trading, debt marketplace, market intelligence and pricing tools, AI workflows for diligence, centralized transaction hub, data room and term sheet builder, embedded analytics for capital stack planning and reporting

39. Felix

Industry: FinTech / Cross-Border Payments

Félix Pago provides a chat-based platform enabling U.S. residents, particularly within Latino communities, to send money to family members in Latin America via WhatsApp. The service leverages blockchain technology and artificial intelligence to facilitate real-time, low-cost remittances.

Location: San Francisco, CA
Founded: 2020
Last Funding Round: $75M Series B (April 2025)
Total Funding: $75M
Valuation: Not publicly disclosed
Number of Users: Over 300,000 users have processed more than $1 billion in remittances since inception
Growth Rate: Approximately 30% month-over-month growth in 2024

Key Features‍

WhatsApp-based remittance service, real-time transactions, low fees, cash pickup locations, blockchain-powered backend, USDC stablecoin integration, partnerships with Mercado Pago and Nubank

40. Array

Industry: Fintech / Embedded Financial Products Platform

Array provides a suite of embeddable financial tools, including credit management, identity protection, and privacy solutions, enabling fintechs, banks, and digital brands to integrate these services into their platforms.

Location: New York, NY
Founded: 2020
Last Funding Round: Series B, $45M (April 2023)
Total Funding: $65M
Valuation: Not publicly disclosed
Number of Users: Over 10 million consumers across various platforms
Growth Rate: Over 100% year-over-year growth in consumer engagement

Key Features‍

Credit score access, identity protection, privacy tools, credit report data, financial education content, embeddable widgets, API integrations, white-label solutions, user authentication, data encryption, compliance with financial regulations, and partnerships with major credit bureaus

41. Method

Industry: Fintech / Consumer Debt Repayment & Financial Connectivity

Method provides APIs that enable fintechs, lenders, and financial institutions to access and manage consumer liability data, facilitating real-time debt repayment, balance transfers, and financial account connectivity without requiring user credentials.

Location: Austin, TX
Founded: 2021
Last Funding Round: Series B $41.5M (January 23, 2025)
Total Funding: $60M
Valuation: Not publicly disclosed
Number of Users: Over 200,000 consumers managing more than $22 billion in debt
Growth Rate: Client base grew by over 250% in the past 12 months; expanded to over 60 fintechs, lenders, and financial institutions

Key Features‍

Real-time read-write access to consumer liabilities, balance transfer capabilities, bill payments, credit card and loan repayments, user-permissioned data access, integration with over 60,000 financial institutions, identity verification via phone number, API-first platform, embedded financial experiences, enhanced underwriting accuracy

42. Pulley

Industry: Fintech / Cap Table & Equity Management

Pulley offers a comprehensive platform for managing cap tables, modeling fundraising scenarios, issuing SAFEs, and ensuring compliance with 409A valuations. It serves over 5,000 companies, including startups and crypto firms, providing tools for both traditional equity and token-based ownership structures.

Location: San Francisco, CA
Founded: 2019
Last Funding Round: Series B $40M (July 13, 2022)
Total Funding: $50.2M
Valuation: Not publicly disclosed
Number of Users: Over 5,000 companies
Growth Rate: Revenue tripled in the past year; over 1,700 companies onboarded by mid-2022

Key Features‍

Cap table management, fundraising modeling, 409A valuations, SAFE issuance, employee experience tools, communications hub, liquidity planning, support for ERC-20, ETH, Polygon, and Solana tokens, audit-ready reporting, sandbox testing environment, and customizable vesting schedules

43. Nuvo

Industry: Fintech / B2B Trade Credit & Risk Management

Nuvo is a B2B trade credit platform that streamlines customer onboarding, credit risk assessment, and fraud prevention. It enables businesses to create verified profiles, assess creditworthiness, and manage trade relationships efficiently.

Location: San Francisco, CA
Founded: 2021
Last Funding Round: Series A $34M (April 30, 2025)
Total Funding: $45M
Valuation: Not publicly disclosed
Number of Users: Over 50,000 businesses
Growth Rate: 6× YoY growth; revenue scaled 4× in 2024

Key Features‍

AI-powered credit decisioning, real-time business identity verification, FICO score integration, license checks, fraud detection, ERP integration, trade credit insurance via Allianz Trade, Equifax commercial credit data integration, customizable onboarding flows, multi-user collaboration, real-time risk monitoring, and automated credit term enforcement

44. Orb

Industry: Fintech / Billing Infrastructure for AI and Software Companies

Orb provides a modern billing platform designed to support flexible pricing models such as usage-based, consumption-based, and hybrid approaches. It enables software and AI companies to automate billing, revenue recognition, and pricing experimentation, facilitating seamless integration with existing tech stacks.

Location: San Francisco, CA
Founded: 2021
Last Funding Round: Series B, $25M (September 17, 2024)
Total Funding: $44.1M
Valuation: Not publicly disclosed
Number of Users: Over 1.5 million invoices processed per month
Growth Rate: Tripled customer base since early 2024; added clients like Vercel, Pinecone, and Perplexity

Key Features‍

Real-time usage tracking, flexible pricing models, automated invoicing, revenue recognition, API-first architecture, integrations with QuickBooks, NetSuite, Stripe, Bill.com, Salesforce, and SQL-based custom metrics

45. Tabs

Industry: Fintech / Revenue Automation

AI-powered B2B revenue automation platform covering contract-to-cash workflows, including invoicing, receivables, payments, revenue recognition, and reporting.

Location: New York, NY
Founded: 2023
Last Funding Round: Series A $25M (October 30, 2024)
Total Funding: $35M
Valuation: Not publicly disclosed
Number of Users: 100+ customers processing hundreds of millions in invoices annually
Growth Rate: Scaled to 7-figure revenue within ~6 months post-launch; platform revenue +12% YoY in Q1 2025

Key Features‍

AI contract data extraction, automated invoicing, receivables acceleration, payment processing, ASC 606 revenue recognition compliance, revenue reporting, cash forecasting, collections, renewals, bi-directional APIs

46. Warp

Industry: Fintech / Payroll & Compliance

Warp offers automated payroll, tax compliance, benefits, and contractor management for startups, using AI to handle registrations, filings, multi-state, and global payroll under one platform.

Location: New York, NY
Founded: January 2023
Last Funding Round: Series A $18M (June 18, 2025)
Total Funding: $24M
Valuation: Not publicly disclosed
Number of Users: Hundreds of startups
Growth Rate: Rapid adoption post-launch with customers scaling 200%+ by month 10; onboarding within 10 minutes; time savings ~6 hrs/month

Key Features‍

Automated multi-state payroll, state tax registrations & filings, global contractor payments (150+ countries), benefits & health sync, rapid onboarding, US-based support

47. FinMkt

Industry: Fintech / Embedded Lending, POS Financing & Payments Technology

FinMkt provides customizable, cloud-native SaaS solutions for embedded consumer lending and payment programs, enabling banks, credit unions, and enterprise partners to offer POS financing, personal loans, and payment solutions.

Location: New York, NY (with offices in Atlanta, San Diego, Hyderabad)
Founded: 2011 (rebranded from Crowdnetic in 2016)
Last Funding Round: Series B $5M (August 2019)
Total Funding: $14.5M
Valuation: Not publicly disclosed
Number of Users: Over 150,000 consumers funded; more than $1 billion in annual funding processed
Growth Rate: Demonstrated significant growth with notable partnerships and industry recognition

Key Features‍

Multi-lender waterfall, white-label platform, soft credit pull prequalification, customizable underwriting, fraud protection, CRM integration, real-time analytics, 7-day live support

48. SecureSave

Industry: Fintech / Employer-Sponsored Emergency Savings Accounts (Financial Wellness)

SecureSave provides workplace emergency savings accounts with payroll-triggered automatic savings and optional employer matches, aiming to reduce financial stress and improve retention.

Location: Kirkland, WA (remote team)
Founded: 2020
Last Funding Round: Seed Extension $11M (June 2022)
Total Funding: $14.7M
Valuation: Not publicly disclosed
Number of Users: 60,000+ employee accounts opened; deployed by over 100 employers (e.g., Jefferson Health, Truist, San Antonio Spurs)
Growth Rate: Annual revenue in "low millions" (2024); exponential client growth (10 in 2023 → 100+ in 2025); 62% employee participation, 87% retention

Key Features‍

Payroll-linked auto-savings, employer matching/incentives, FDIC-insured accounts, mobile/web app, interest-bearing savings, real-time balances, employer analytics dashboard, financial wellness insights

49.Kick

Industry: Fintech / Accounting AI

Kick offers AI-powered, self-driving bookkeeping for small businesses and accountants, automating transaction categorization, reconciliation, and tax-ready financials.

Location: San Francisco, CA
Founded: 2021
Last Funding Round: Seed $9M (October 2024)
Total Funding: ~$12M
Valuation: Not publicly disclosed
Number of Users: Over 1,000 businesses/customers (as of October 2024)
Growth Rate: ~50% MoM growth over three months leading to October 2024

Key Features‍

Real-time auto-categorization, deduction optimization, multi-entity support, expert-reviewed entries, ledger-ready P&L and balance sheet, receipt matching, custom rules, tax-ready financials

50. Fragment

Industry: Fintech / Ledger API for Embedded Finance

Fragment provides a real-time double-entry ledger API, enabling companies to build financial products with accurate fund flows, reconciliation, multi-currency support, and developer-friendly schemas.

Location: San Francisco, CA
Founded: 2021
Last Funding Round: Seed $9M (July 2024)
Total Funding: $10.8M
Valuation: Not publicly disclosed
Number of Users: Used by TruckSmarter, Nala, Pleo; 285+ institutions processing billions in balances
Growth Rate: Platform writes ~14,500 ledger entries/sec (vs. ~1,200 for competitors); public launch and free plan in April 2025 indicate strong adoption

Key Features‍

Real-time double-entry accounting, configurable schemas, multi-currency support, robust reconciliation and reporting tools, high-throughput ledger writes, integrations with Stripe, Unit, Increase, developer-focused SDKs

Conclusion

What connects these companies isn’t just that they’re in fintech; it’s how fast they’re growing.

US fintech startups are building better ways to move, lend, and manage money. With new tech like AI, embedded finance, and real-time data, they’re not waiting for the future of finance, they’re creating it.

For fintech companies looking to grow faster and get discovered by the right customers, Omnius offers GEO, SEO and content marketing built for B2B fintech - turning search intent into reliable growth.