[ { "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": null, "url": "https://www.ycombinator.com/companies/lendup", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/lendup.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/lendupcredit", "fb_url": "https://www.facebook.com/LendUpCredit/", "cb_url": "https://www.crunchbase.com/organization/lendup", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e02a3171584165fc0741c7df4d77c95318d565fd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 34642, "full_name": "Sasha Orloff", "title": "Founder/CEO", "founder_bio": "Founder of Puzzle.io, the only accounting software purpose-built for startup founders. Puzzle is the first accounting software to reach Level 3 Autonomy, which means within minutes of connecting founders get instantly generated, traceable financial statements and startup metrics for fundraising, taxes and improving your startup, starting from day one.\n\nPrior to Puzzle, I founded two startups that grew to over $100M ARR, LendUp and (spinout) Mission Lane (YC W12). ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sashaorloff/", "x_url": "https://twitter.com/sashaorloff", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c627944af5dd978a137635d48b452db9a8f5442b.jpg" }, { "user_id": 36781, "full_name": "Jacob Rosenberg", "title": "Founder/CTO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jakerosenberg/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d2dd89c32e06f8afd1ebdde8e3c29a295b6057ec.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 633, "name": "Zidisha", "slug": "zidisha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "website": "https://www.zidisha.org", "all_locations": "Sterling, VA, USA; Remote", "long_description": "Zidisha is the world's first direct peer-to-peer lending service to bridge the international wealth divide, allowing individuals worldwide to lend to and communicate with borrowers in developing countries without local intermediaries. The direct connection creates better transparency, more profit for the entrepreneurs and lenders, and greater wealth creation for the world's poorest communities. We've been featured in numerous press and media for our groundbreaking work in using internet and mobile phone technologies to connect entrepreneurs in some of the world's most isolated and impoverished places with the international peer-to-peer lending market.", "one_liner": "Direct P2P lending across the international wealth divide.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1384979110, "tags": [ "Fintech", "Marketplace", "Community", "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": true, "batch": "Winter 2014", "status": "Active", "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": null, "url": "https://www.ycombinator.com/companies/zidisha", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/zidisha.json", "year_founded": 2009, "city": "Sterling", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/ZidishaInc", "fb_url": "https://www.facebook.com/ZidishaInc?sk=wall", "cb_url": "https://www.crunchbase.com/organization/zidisha", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 36608, "full_name": "Julia Kurnia", "title": "Founder/Director", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juliakurnia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1054e490ec16bad75e25310a0a62a945f44e720d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 71010, "title": "Zidisha - Crowdfunding for developing country entrepreneurs", "tagline": "We let you crowdfund and interact directly with remarkable entrepreneurs in developing countries.", "body": "TL;DR: Fund a small business for a low-income entrepreneur in Africa or Asia. Interact directly with your chosen entrepreneur via chat, photos and videos. Then watch your impact multiply as the entrepreneur pays your donation forward by funding other entrepreneurs in need.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/a2a1c289-4c12-44b5-9559-68e075dd0a1d)\n\n### The problem: Developing country businesses lack capital\n\nSmall businesses provide 80% of employment in Africa and other emerging markets - but they lack access to the capital they need to grow and provide more jobs. Too small to be profitable for banks and too large to benefit from consumer loan apps, these businesses are called the “missing middle” because they fall between the tiers served by existing financial infrastructure.\n\nFor example, Daniel started a cybercafe in a low-income neighborhood in Ghana. His facility is the only source of internet access in the community, but it has only two computers and people must wait for hours to use them. Daniel earns barely enough to support his family, and there isn’t enough left over to invest in new machines.\n\n### The solution: Connecting entrepreneurs to investment capital\n\nA friend invites Daniel to use Zidisha, and he signs up and posts his story and photos on the platform. His initial project of $50 is funded by a combination of Zidisha entrepreneurs and philanthropic backers who visit the website. He uses the $50 to buy a printer and add printing services to his cybercafe. Within a couple of months, the printer has paid for itself. Daniel “pays it forward” by funding $50 worth of projects for other fundraising entrepreneurs on the platform.\n\nIn a subsequent project, Daniel raises $300 and uses it to acquire two more second-hand computers. This doubles the capacity of his cybercafe and Daniel’s earnings. Daniel pays the $300 forward to other Zidisha entrepreneurs while continuing to benefit from the increased cash flow. The increased earnings allow Daniel to enroll his daughter in high school.\n\nEventually, Daniel raises $1000 to open a second cybercafe in a nearby neighborhood. He hires two employees to help him manage the second cybercafe.\n\n### How it works\n\nEntrepreneurs in developing countries create project pages where they share their story, photos, and descriptions of their investment opportunity. Projects are funded by backers from all over the world.\n\nInstead of repaying the projects as loans, entrepreneurs “pay it forward” by in turn funding other entrepreneurs on the platform.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/bd8803ee-5359-4009-8d63-e66a4c4fe466)\n\nEntrepreneurs post project updates and interact directly with their backers through the project discussion tab.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/e1786735-029d-492b-b38c-6cafcec477d9)\n\nBackers can view which projects were funded by their entrepreneurs and watch their impact grow over time as the funds continue to be recycled.\n\n### How you can help\n\n* Connect us with impact investors who are interested in creating new opportunities in developing countries. Email the founder, Julia Kurnia, at julia (at) zidisha.org.\n* [Visit our website](https://www.zidisha.org) to meet an entrepreneur today!", "url": "https://www.ycombinator.com/launches/ITK-zidisha-crowdfunding-for-developing-country-entrepreneurs", "votes": 18, "created_at": "2023-04-17T18:46:53.162Z" } ] }, { "id": 668, "name": "Owners Circle", "slug": "owners-circle", "former_names": [ "Local Lift", "Equity Endeavor" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.ownerscircle.com", "all_locations": "San Francisco, CA, USA; Berkeley, CA, USA", "long_description": "OwnersCircle provides small business owners with the online tools and financial information that they need in order to navigate the complex world of business financing.\r\n\r\nThe reality is that there is no easy way to search for small business financial products, which creates a headache for already time-strapped business owners. Recent reports show that owners spend an enormous amount of time (25 hrs on average) searching and applying for loan products, with many focusing on lenders that have high rejection rates and long, complex processes.\r\n\r\nThere's a better way! There are a growing number of banks and alternative lenders that want to work with small businesses and are willing to compete for their business. Our platform provides owners with the information they need in order to identify, compare, and apply for financial products that can help take their business to the next level.\r\n\r\n\r\nWhy Use OwnersCircle?\r\n\r\n1. Get access to free, online tools to identify financial institutions that actively lend to growing small businesses\r\n2. Shop and compare a variety of lenders and their loan products \r\n3. Use one platform to complete your financing search versus spending countless days researching and completing lender applications only to find out you're not a fit\r\n4. Free access to our team of funding consultants to answer any questions you may have throughout the process\r\n\r\n\r\nWhat Types of Business Financial Products does OwnersCircle Include?\r\n\r\n- Lender Types: Local Banks and Alternative Lenders\r\n- Product Types: SBA Term Loans, Bank Term Loans, Alternative Term Loans, Asset-based Loans and more\r\n\r\n\r\nWhy Would I Need Business Financing?\r\n\r\nNew location or remodel current space\r\nPurchase inventory\r\nPurchase equipment\r\nHire additional employees\r\nManage cash flow\r\nRefinance/consolidate current debt\r\nMarketing and advertising", "one_liner": "Kickstarter for local businesses", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1398907702, "tags": [ "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "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": null, "url": "https://www.ycombinator.com/companies/owners-circle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/owners-circle.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/owners-circle", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 40664, "full_name": "Matthew Christen", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthew-christen-93972186/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/70166d6eb6fb7bcb1f01b81936b518a78679e999.jpg" }, { "user_id": 40662, "full_name": "Broderick McClinton", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/broderick-mcclinton-45708a11", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e38a840bcf2d2ace664f93cc7703e533833248.jpg" }, { "user_id": 40663, "full_name": "Eric Sonnier", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ericsonnier", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f84116bc8d09d47586de5dce0d7c061453bbc710.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 945, "name": "Saida", "slug": "saida", "former_names": [ "Greenshoe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7575b6c7cdd1dda68d08da1ffc6bb04df8e33cb7.png", "website": "http://getsaida.com", "all_locations": "Nairobi, Nairobi County, Kenya; Remote", "long_description": "We're making a bank account that lets you easily separate, spend and track money. Just like houses have different rooms for different uses, our account lets you have dedicated pockets of money within your account for different uses. ", "one_liner": "A bank account that lets you easily separate, spend and track money", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1430202917, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Kenya", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/saida", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2015/saida.json", "year_founded": 2015, "city": "Nairobi", "country": "KE", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/saida", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7575b6c7cdd1dda68d08da1ffc6bb04df8e33cb7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 75248, "full_name": "Kyale Mwendwa", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kyale-mwendwa-23588898/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/35f8e3582cd1a12b1e6a6f83311d8a4e74c0b806.jpg" }, { "user_id": 45174, "full_name": "Kenneth Ngetha", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "http://ke.linkedin.com/in/ngetha", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ee921c3cccefc2e41442d3d9c3050b45a2c4c101.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": null, "url": "https://www.ycombinator.com/companies/stilt", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/stilt.json", "year_founded": 2015, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stilt-loans", "x_url": "https://www.twitter.com/stilt_inc", "fb_url": "https://www.facebook.com/yourstilt", "cb_url": "https://www.crunchbase.com/organization/stilt-2", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e3bb4303a0c1de02bc9e18aae4dd1307b9df84a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 72573, "full_name": "Rohit Mittal", "title": "Founder/CEO", "founder_bio": "Working on new things, helping founders, and investing.\n\nPreviously Cofounder/CEO of Stilt (W16, fintech company acquired by JGW). Raised $350M in debt, $1 billion in term sheets.\n\nFeel free to reach out if I can help.\n\nI got a lot of help and happy to pay it forward.", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/rohit-mittal/6/30a/58a", "x_url": "https://twitter.com/rohitdotmittal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7f4046bf5b22922901f32e59122aaa23a50eca58.jpg" }, { "user_id": 106482, "full_name": "Priyank Singh", "title": "Founder", "founder_bio": "CTO & Co-Founder, Helium Ventures | We acquire and operate software companies | Co-Founder, Stilt YC W16, acquired by JG Wentworth\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/priyanksingh", "x_url": "https://x.com/priyanksingh_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b399b09b7f947b9f482f2378628cf79f48b8149.jpg" } ], "jobs": [], "news": [ { "title": "JG Wentworth Acquires Fintech Lending Platform from Stilt Inc.", "url": "https://finance.yahoo.com/news/jg-wentworth-acquires-fintech-lending-170500806.html", "date": "Dec 06, 2022" }, { "title": "How Stilt is helping immigrants build a financially stable life in the US", "url": "https://www.fintechfutures.com/2022/06/how-stilt-is-helping-immigrants-build-a-financially-stable-life-in-the-us/", "date": "Jun 07, 2022" }, { "title": "Stilt secures $114M in debt & equity to help fintechs and neobanks launch credit offerings with its API – TechCrunch", "url": "https://techcrunch.com/2022/03/10/stilt-secures-114m-in-debt-equity-to-help-fintechs-and-neobanks-launch-credit-offerings-with-its-api/", "date": "Mar 10, 2022" } ], "launches": [] }, { "id": 1054, "name": "Landed", "slug": "landed", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ab8fa26571630366add5d76d46ba876b673c7b9.png", "website": "http://www.landed.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Landed helps employers develop programs that increase access to homeownership for their employees. We do this by unlocking the power of shared appreciation to create down payment programs tailored to the needs of each institution, improving recruitment and retention of key talent. Unlike other programs, shared appreciation is mutually beneficial to funders and buyers, creating a self-renewing pool of capital that recycles as homebuyers exit the program.", "one_liner": "White-labeled shared appreciation down payment programs for employers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1447653916, "tags": [ "Fintech", "Proptech" ], "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", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/landed", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/landed.json", "year_founded": 2015, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/landed-inc/", "x_url": "https://twitter.com/landedhomes", "fb_url": "https://www.facebook.com/landedinc", "cb_url": "https://www.crunchbase.com/organization/landed", "github_url": "https://github.com/landedhomes", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ab8fa26571630366add5d76d46ba876b673c7b9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2449ed0f73a015d1b7454aa8deca98a6c0914286.png" ], "primary_partner": null, "founders": [ { "user_id": 106979, "full_name": "Jonathan Asmis", "title": "Founder", "founder_bio": "Jonathan grew up in Toronto, where he started his career as a biomedical engineer making vaccines. 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Susli is now a Partner at Monk's Hill Ventures, a Southeast Asia focused VC with 40+ portfolio companies in the region. She holds degrees from Yale, Wharton, and Johns Hopkins, and is also a mother of two young boys. \n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/susli/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/816c5c7b198b5d54bcffb6c5304c8b95803af856.jpg" }, { "user_id": 215875, "full_name": "Naga Tan", "title": "Founder", "founder_bio": "Naga Tan is the CEO & Co-Founder of ErudiFi, a mission-driven company advancing financial inclusion and expanding access to education across Southeast Asia. Through its platforms Danacita in Indonesia and Bukas in the Philippines, ErudiFi partners with leading universities and vocational schools to provide students with affordable tuition installment plans. To date, the company has financed more than US$60 million in tuition fees for over 60,000 students. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nagatan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f37a2bb3f65c7eea48927901008322cc8418635e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1988, "name": "Prodigal", "slug": "prodigal", "former_names": [ "Prodigal technologies", "Prodigal Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "website": "https://prodigaltech.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We build AI agents for loan servicing and collections\r\n\r\nProdigal has AI agents for loan servicing and collections. Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments.\r\n\r\nWe are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue. \r\n\r\nHeadquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.", "one_liner": "Lending Intelligence Software", "team_size": 99, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1525745154, "tags": [ "Fintech", "SaaS", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "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": null, "url": "https://www.ycombinator.com/companies/prodigal", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/prodigal.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/prodigaltech", "x_url": "https://twitter.com/prodigaltech", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/prodigal-3824", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 78759, "full_name": "Shantanu Gangal", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shantanugangal", "x_url": "https://www.twitter.com/shantanugangal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4439a77db2c062b6338fc10ddf69b54468cb8ba3.jpg" }, { "user_id": 83869, "full_name": "Sangram Raje", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sangramraje", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a2fc45ba0161b9fcb7e6f297d72825d5229b387.jpg" } ], "jobs": [ { "id": 102428, "title": "Mid Market Account Executive", "url": "https://www.ycombinator.com/companies/prodigal/jobs/NXREZTw-mid-market-account-executive", "location": "Mountain View, California, United States", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$200K - $280K", "equity_range": "0.01% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108353, "title": "Finance Manager ", "url": "https://www.ycombinator.com/companies/prodigal/jobs/jq0CTZJ-finance-manager", "location": "Mumbai, Maharashtra, India", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹1.5M - ₹2.8M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Prodigal Unveils New Product Suite to Provide Real-Time Insights to Call Centers in Financial Services", "url": "https://www.prnewswire.com/news-releases/prodigal-unveils-new-product-suite-to-provide-real-time-insights-to-call-centers-in-financial-services-301452742.html", "date": "Oct 07, 2022" }, { "title": "Prodigal Launches Real-Time Agent Assistance for Consumer Finance", "url": "https://finance.yahoo.com/news/prodigal-launches-real-time-agent-124600628.html", "date": "Oct 07, 2022" }, { "title": "Consumer Portfolio Services Chooses Prodigal to Advance its FinTech Platform with Backend Servicing and Support in Specialty Financing", "url": "https://www.prnewswire.com/news-releases/consumer-portfolio-services-chooses-prodigal-to-advance-its-fintech-platform-with-backend-servicing-and-support-in-specialty-financing-301624719.html", "date": "Oct 07, 2022" }, { "title": "Finvi, Prodigal Partner on Revenue Recovery | PYMNTS.com", "url": "https://www.pymnts.com/partnerships/2022/finvi-prodigal-partner-conversation-intelligence-revenue-recovery/", "date": "Aug 29, 2022" }, { "title": "[Funding alert] Debt-collection software maker Prodigal raises $12M led by Menlo Ventures", "url": "https://yourstory.com/2021/07/funding-debt-collection-software-maker-prodigal-seriesa-menlo-ventures/amp", "date": "Jul 22, 2021" } ], "launches": [ { "id": 88664, "title": "PIE: Prodigal Intelligence Engine", "tagline": "Intelligence platform for consumer finance AI agents", "body": "[Launch video](https://youtu.be/YIvQ-lQGQCw?si=w3PRVeTR8UKof41J)\\\n\\\nPIE (Prodigal Intelligence Engine) is the data integration and intelligence layer that powers our specialized AI agents for consumer finance.\n\n## The Problem We're Solving\n\nAgentic AI for consumer finance is a core part of our offering. We built AI solutions for the industry long before the AI boom, gaining a deep understanding of its regulations and company-specific challenges. With the rapid evolution of GenAI, we’ve focused on building AI agents tailored for this space.\n\nWe realized that for any vertical AI agent to succeed, companies need a foundational platform that unifies data silos, structures varied data formats, and enables real-time inferencing. That’s why we built PIE.\n\nA specialized platform like PIE is crucial for AI agents in consumer finance because they must:\n\n* Understand business logic across systems, products, customer interactions, and company policies\n* Execute actions based on insights derived from unified data\n* Navigate complex federal, state, and company-specific compliance requirements\n\nConsumer finance lenders and collections companies operate with fragmented tech stacks - CRMs, Lending Management Systems, payment processors, dialers, email and SMS softwares. This results in siloed data, leading to lost insights and limited automation capabilities. Without unified data, AI agents remain one-dimensional and fail to reach their full potential.\n\n## What PIE Does\n\nAt its core, PIE is a robust data integration and intelligence platform that:\n\n* Connects to all of a company’s existing systems\n* Normalizes and structures disparate data formats into a unified schema\n* Enriches internal data with relevant external sources\n* Maintains real-time synchronization across all systems\n* Generates inferences and insights that are directly usable by applications and AI agents\n* Provides a standardized intelligence layer for AI applications\n\n## Why This Matters\n\nThis unified data foundation enables our AI agents (ProAgent, ScoreGenie, and more) to access complete context for every customer interaction. With PIE, an AI agent handling a collections call can simultaneously understand:\n\n* Account delinquency history\n* Previous payment patterns\n* Cross-channel interaction records\n* Demographic information\n* Communication preferences\n* Regulatory requirements\n* Propensity to pay scoring\n* Affinity for settlements, offers, and discounts\n* Channel affinity\n\nThe result: Consumer finance AI agents built on PIE have full situational awareness, enabling personalized interactions that drive results and seamlessly automate complex workflows across systems. \n\n## How It Works\n\nWe've built PIE as a modular system with:\n\n* Flexible connectors for all major systems in collections and consumer finance, leveraging our deep industry expertise to build scalable integrations quickly\n* A scalable data processing pipeline handling millions of records\n* A secure multi-tenant architecture with strict data isolation\n* Real-time bidirectional sync to maintain system integrity\n* Custom inference models for consumer finance and collections-specific insights\n\nPIE connects to all customer systems, standardizes incoming data, analyzes millions of records, and generates actionable insights that help collections specialisits and AI agents to implement novel strategies and maximize payments.\n\n![uploaded image](/media/?type=post&id=88664&key=user_uploads/78759/f6ef8576-fbe7-4519-9108-5b22beac3b64)\n\n", "url": "https://www.ycombinator.com/launches/N44-pie-prodigal-intelligence-engine", "votes": 6, "created_at": "2025-03-16T20:21:51.960Z" } ] }, { "id": 12238, "name": "Seawise Capital", "slug": "seawise-capital", "former_names": [ "LendVerse" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a57aa2997d907d0589203748d7cd45c89c36483.png", "website": "https://www.seawisecapital.com", "all_locations": "New Delhi, DL, India", "long_description": "Seawise Capital is a trade finance company for Indian exporters. 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Instead of dealing with multiple banks, credit checks and in-person meetings, we’ll use your income, credit score, and other financial data from your application to negotiate with hundreds of lenders on your behalf in seconds. ", "one_liner": "An online mortgage broker. 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", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aayushgoel92/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f0645a0961c0db202472ca0f3cbda9c584854ab.jpg" } ], "jobs": [], "news": [ { "title": "2022 In Review: The Best Of Inc42’s 30 Startups To Watch", "url": "https://inc42.com/startups/2022-in-review-the-best-of-inc42s-30-startups-to-watch/", "date": "Jan 05, 2023" }, { "title": "Kosh", "url": "https://www.forbes.com/profile/kosh/?list=30under30-asia-social-impact&sh=c4a86692c578", "date": "Aug 05, 2022" }, { "title": "Y Combinator-backed Kosh is a neobank for blue-collar workers in India | TechCrunch", "url": "https://techcrunch.com/2020/03/19/y-combinator-backed-kosh-is-a-neobank-for-blue-collar-workers-in-india/", "date": "Mar 19, 2020" } ], "launches": [] }, { "id": 13471, "name": "Nexu", "slug": "nexu", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57180bf742c6090ba22811fbccdb72de3de968c6.png", "website": "https://www.nexu.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "", "one_liner": "Financing platform for LatAm car dealerships.", "team_size": 63, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583483895, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/nexu", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/nexu.json", "year_founded": null, "city": "Mexico City", "country": "MX", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/nexu", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/57180bf742c6090ba22811fbccdb72de3de968c6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 411602, "full_name": "Fernando Gomez Arriola", "title": "Founder", "founder_bio": "Fernando is Co-Founder at Nexu.mx, responsible for Credit and Risk Assessment, Operations, Finance, HR and getting coffee for everyone. Fernando was born and raised in Mexico City, his childhood love for math led him to study Actuarial Sciences at ITAM and afterwards got his MBA at Wharton. Prior to starting Nexu, Fernando worked as an actuarial analyst at New York Life Insurance Company, as a Consultant at The Boston Consulting Group, and leading international growth and BizDev at Shopify. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernando-g%C3%B3mez-arriola-9a427024/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/858fa9471dd390e08dfca93642bea88c0b40090a.jpg" }, { "user_id": 421390, "full_name": "Abdon Nacif", "title": "Founder", "founder_bio": "Founder at Nexu. Bolivian, Texas Longhorn, Wharton MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abdonnacif", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c69c01ed8b402112f42b9ba87df2b9982ad19435.jpg" } ], "jobs": [], "news": [ { "title": "Nexu, a Mexican Fintech in the Auto Loans Space, Raises $50M in Debt and Equity", "url": "https://www.bloomberglinea.com/2022/01/25/yc-backed-nexu-a-mexican-fintech-in-the-auto-loans-space-raises-50m-in-debt-and-equity/", "date": "Mar 22, 2022" } ], "launches": [] }, { "id": 13627, "name": "Jenfi", "slug": "jenfi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "website": "http://jenfi.com/", "all_locations": "Singapore, Singapore", "long_description": "We back growing digital businesses using revenue based financing.\r\n\r\nMany of growing businesses in Asia are highly \"bankable\" yet 50-70% are unable to obtain capital to grow their business.\r\n\r\nHaving been business owners ourselves, we experienced firsthand the struggles of funding a business - from expensive equity options to loans that required personal guarantees.\r\n\r\nWe went live in Singapore first to validate the product/market fit. We plan to expand across the APAC region..\r\n\r\nOur sweet spot is backing repeatable business spend - expenses that leads to increased revenue. Our financing product allows businesses to keep growing with us over time. Over a third of our advances today are from repeat borrowers.\r\n\r\nWe created a brand new asset class in Asia - offering flexible repayment options, such as tieing repayment with sales. Business owners LOVE this.\r\n\r\nOur automated financial technology platform ingests revenue and alternative data sources that gives us a proprietary edge in understanding the behavior of our borrowers. As we collect continuous data, we are able to offer better financial and technology solutions, while mitigating our downside risk.\r\n\r\nFunds are seamlessly deployed via our virtual Jenfi Wallet and MasterCard solution, giving borrowers flexibility to make payments while giving Jenfi real-time tracking of their spend.\r\n\r\nRecent coverage: \r\nhttps://techcrunch.com/2020/02/03/jenfi-wants-to-solve-small-business-lending-in-southeast-asia/", "one_liner": "Jenfi provides revenue-based financing for digital businesses in Asia ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1580951713, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/jenfi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/jenfi.json", "year_founded": 2019, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/jenfi", "x_url": "https://twitter.com/JenfiCapital", "fb_url": "https://www.facebook.com/jenficapital/", "cb_url": "https://www.crunchbase.com/organization/jenfi", "github_url": "https://github.com/jenfi-eng", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 438040, "full_name": "Jeffrey Liu", "title": "Founder", "founder_bio": "Jeff is the CEO and co-founder of Jenfi.\n\nHe founded GuavaPass, a fitness subscription service, which he ran as CEO from 2015-2018. The company expanded to 12 markets across Asia and the Middle East and was subsequently sold to ClassPass in 2018.\n\nJeff brings a strong operational and financial background from GuavaPass, BeachMint (corporate development), Victory Park Capital (credit hedge fund) and Lehman Brothers (investment banking). 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That means 25 million workers are leaving $24 billion on the table in free employer contributions. The primary reason these workers cannot get their match is because they do not have enough to both cover living expenses and invest. \r\n\r\nLendtable helps workers get thousands in additional income by giving them a cash advance to cover their living expenses so they can finally begin earning their employer match. 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I believe that with the right nudge (and a little help from software) we can help people do the right thing and make money a bit less stressful. 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We partners with banks and other FI's to provide comprehensive spend management and working capital solutions. Companies qualify for credit via a liberalized startup friendly underwriting process.\r\n\r\nFor those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.", "one_liner": "Corporate Card solution for Indian businesses", "team_size": 144, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626796391, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/karbon-card", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/karbon-card.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/karbon-cards/", "x_url": "https://twitter.com/KarbonIndia", "fb_url": "https://www.facebook.com/Karbon-Card-101326554793105", "cb_url": "https://www.crunchbase.com/organization/karbon-card", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/17ef37d6752b041cef8cbde238930aba2834a6a3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 729514, "full_name": "Pei-fu Hsieh", "title": "Founder", "founder_bio": "Pei-fu has over ten years of experience in PE/VC with Kleiner Perkins and 01VC. He has also worked at McKinsey and built multiple startups (Zalora, Easy Taxi and Groupon) with Rocket Internet. 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That’s where we discovered how archaic are the tools lenders use that are ready for disruption.\r\nHypercore is building the tools for private lenders who currently do everything in Excel, culminating in a 'Nasdaq of private loan books' - utilizing the platform to securitize loan books.", "one_liner": "Loan management software for private lenders", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1628254783, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Israel", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "End to end platform for lenders" }, { "question": "What is your company going to make? 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We founded Hypercore with the goal of pushing the non-bank lending market forward.\n\nAlready at the beginning of my career, I learned that the future is in the combination between domains, and the more I meet new people the more I learn. I started as an economist and grew into the technological world and today I see myself as a person looking for interesting opportunities. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-liechtenstein-ba338370/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7ab89278530e99ea6120e8f801f2d71c31b1ce4.jpg" }, { "user_id": 728643, "full_name": "Eitan Frailich", "title": "Founder", "founder_bio": "Started my first steps with technology during my service at IDF technological unit (MAMRAM).\nAfter finishing my service I worked as a freelancer software developer, mostly on web and mobile applications. \nA Year later cofounded Articode LTD - devshop focused on GIS and Financial projects. During that time I was charged with many projects, working with big enterprises, defense industries, startups, etc.\nA Year a ago changed the focus to our fintech startup Hypercore.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eitan-frailich-81b69390/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7cc4c83fcbd515fb5ff25eb4d4fe50742e58c605.jpg" }, { "user_id": 727757, "full_name": "Tomer Moshe", "title": "Founder", "founder_bio": "Completed my BSc in computer science at the age of 18. Co-founder of Hypercore and Articode. Delivered over 20 software products as a freelancer and with Articode. IAF-Ofek Alumni.\nCoding non-stop since 2011 :)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomer-moshe-033a2b69", "x_url": "https://twitter.com/tomosher1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/643ff54d06094ace005c9639e779241c3d7544d0.jpg" }, { "user_id": 725257, "full_name": "David Yahalomi", "title": "Founder", "founder_bio": "Co-founder of Hypercore and Articode. Delivered over 30 software products as a freelancer and with Articode. Worked for the first digital bank in Israel - Pepper - as a team leader. Speaker at various tech conferences mainly about GraphQL. IAF-Ofek Alumni, and Mamram graduate.\nWriting code since 2001 :)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/david-yahalomi-441b3863/", "x_url": "https://twitter.com/DavidYahalomi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aacf5dc541dd5d2d3de4448eed9f9e1554beeb42.jpg" } ], "jobs": [], "news": [ { "title": "Hypercore is now Backed by YC!", "url": "https://www.hypercore.ai/post/hypercore-backed-by-yc", "date": "Aug 09, 2021" } ], "launches": [] }, { "id": 24479, "name": "Payhippo", "slug": "payhippo", "former_names": [ "PayHippo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "website": "https://payhippo.africa/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria; Remote", "long_description": "Payhippo provides loans to small businesses in Africa in under 3 hours.\r\n\r\nWe made $42k in revenue in Nigeria in July 2021, growing 25% m/m with a 97% repayment rate.", "one_liner": "Loans to Nigeria's SMEs in under 3 hours", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1627914233, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/payhippo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/payhippo.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/payhippo", "x_url": "https://www.twitter.com/zachbijesse", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/payhippo", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 486278, "full_name": "Zach Bijesse", "title": "Founder", "founder_bio": "Hi everyone! I'm Zach. My favorite thing in the world is music (been playing guitar for 15 years).\nI used to be a certified weight loss specialist to pay the bills in undergrad. Started a mobile health app at the end of undergrad. \n\nBut I also did a lot of activism. I'm most proud of creating this campaign: https://www.nytimes.com/2014/01/28/opinion/bruni-emilios-great-race.html\n\nThen started teaching in Manhattan to learn about impact in education.\n\nDown to talk with fellow founders!", "is_active": true, "linkedin_url": "https://linkedin.com/in/zbijesse", "x_url": "https://twitter.com/ZachBijesse", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b815b864468c9e94aaee0a9826f0306421e4a7eb.jpg" }, { "user_id": 491728, "full_name": "Chioma Okotcha", "title": "Founder", "founder_bio": "Whether I'm building a company, analysing policies or leading a flag-football team in a league, I'm driven to make a difference/learn something. This could be profit, impact or winning the league championship. \n\nHappy to chat and connect.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chiomaokotcha/", "x_url": "https://www.twitter.com/chiomaokotcha", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a3c959abbabdf230f7db9f354dfb4c1345047b46.jpg" } ], "jobs": [], "news": [ { "title": "Nigeria’s lender Payhippo raises $3 million in seed funding to extend quick loans to SMEs – TechCrunch", "url": "https://techcrunch.com/2021/11/03/nigerias-lender-payhippo-raises-3-million-in-seed-funding-to-extend-quick-loans-to-smes/", "date": "Nov 03, 2021" }, { "title": "How PayHippo is democratising funding for Nigeria’s small businesses - AfriTech XYZ", "url": "https://www.afritech.xyz/blog/how-payhippo-is-democratising-funding-for-nigerias-small-businesses", "date": "Aug 18, 2021" }, { "title": "Exclusive: Nigerian lending startup Payhippo joins Y Combinator Summer 2021 accelerator cohort | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/exclusive-nigerian-lending-startup-payhippo-joins-y-combinator-summer-2021/nc8wlrz?utm_source=social&utm_medium=linkedin", "date": "Aug 02, 2021" }, { "title": "Nigerian Fintech, Payhippo Raises $1m Pre-seed For Team Growth And Expanded Reach • Techpoint Africa", "url": "https://techpoint.africa/2021/07/02/payhippo-1m-pre-seed/", "date": "Jul 01, 2021" } ], "launches": [] }, { "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. 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We work on a B2B2C model allowing companies to extend the product as a benefits program to their employee base.", "one_liner": "Abhi is Pakistan's 1st financial wellness platform focusing on…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626433454, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/abhi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/abhi.json", "year_founded": 2021, "city": null, "country": "PK", "linkedin_url": "https://www.linkedin.com/company/abhikaropk", "x_url": "https://twitter.com/abhikaropk", "fb_url": "https://www.facebook.com/abhikaropk", "cb_url": "https://www.crunchbase.com/organization/abhi", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c082c73a45600373e3b41285064f23805d9ab93a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 582824, "full_name": "Omair Ansari", "title": "Founder", "founder_bio": "An investment Banker by background with a \nparticular focus on Emerging/Frontier equity market \nspace, both public and private. Lived on the ground \nin over 8 countries, specifically in places like Lagos, \nDubai, Bombay, Johannesburg, to name a few. He \nwas a PM at Morgan Stanley running 2 funds with a \nfocus on consumer and fintech.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/omair-ansari-40494329", "x_url": "https://twitter.com/OmairAnsari16", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0593da1a3f4b492d4287419da6c3bb3b35aa96c.jpg" }, { "user_id": 704406, "full_name": "Ali Ladhubhai", "title": "Founder", "founder_bio": "Ali is an ex-banker who has held managerial roles in retail banking/ wealth management with HSBC and Samba Bank in Pakistan. Ali co-founded Karlocompare.com.pk, a financial services aggregator helping some of the largest financial institutions (banks and insurance companies) in Pakistan distribute their consumer finance products digitally. He subsequently moved to Foreepay (Pvt) Ltd, an accounts aggregator & payments company where he was leading the Business Development department.", "is_active": true, "linkedin_url": "https://pk.linkedin.com › ali-ladhubhai-205b0710a", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5ea589a1c3228012774d4a37c3910af7770436d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25341, "name": "Wagetap", "slug": "wagetap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "website": "https://www.wagetap.com/", "all_locations": "Sydney, NSW, Australia", "long_description": "Wagetap is a mobile app that allows users to get an advance of up to $2,000 on their next payday and pay their bills in more manageable installments. Wagetap's vision is to offer a suite of financial products to become the financial partner for everyday people.", "one_liner": "Advance next payday, and BNPL for bills", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1644461225, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Australia", "Oceania", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wagetap", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/wagetap.json", "year_founded": 2020, "city": "Sydney", "country": "AU", "linkedin_url": "https://www.linkedin.com/company/wagetap", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 809450, "full_name": "Mitchell Stevens", "title": "Founder", "founder_bio": "Mitchell Stevens is the cofounder and CEO of Wagetap, which he started with Declan Conlon in 2019. Previously with BCG, Mitchell also graduated from London Business School with an MBA and is a qualified lawyer and accountant.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mitchellstevens/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/68ffc1d7539076766a15612a90bf930461096bb6.jpg" }, { "user_id": 815703, "full_name": "Declan Conlon", "title": "Founder", "founder_bio": "Declan is the co-founder and CTO of Wagetap. He has built interesting things at AWS, Atlassian and Juniper Networks. Currently, he is working on bringing affordable credit to everyday Australians.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/declanconlon/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ef53b7e84b8c59a2ea5121161bd89b25b58de2b5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25347, "name": "Perl Street", "slug": "perl-street", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd93730152604090f6350bbed20c2839aa07c76a.png", "website": "https://perlstreet.com/", "all_locations": "Sydney, NSW, Australia; Austin, TX, USA; Remote", "long_description": "Perl Street is democratizing structured finance through our platform, unlocking billions in financing for sustainable infrastructure and next-generation hardware technologies. \r\n\r\nPerl Street has already helped multiple hardware startups receive over $140M in debt financing offers from some of the world’s most reputable institutions.\r\n\r\nClimate change is a massive hardware problem. According to IEA estimates - reaching net zero emissions would require over $4 trillion per year in global clean energy investment. \r\n\r\nThis means we need to upgrade nearly everything with new hardware - from energy storage devices to electric vehicles, charging stations and building electrification. \r\n\r\nThe future of infrastructure is both distributed and resilient. And none of it is possible without financing new hardware.", "one_liner": "Financing the next-generation of infrastructure projects", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1643268795, "tags": [ "Climate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Australia", "United States of America", "Oceania", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/perl-street", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/perl-street.json", "year_founded": 2019, "city": "Sydney", "country": "AU", "linkedin_url": "https://www.linkedin.com/company/perl-street/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/perl-street-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd93730152604090f6350bbed20c2839aa07c76a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 736217, "full_name": "Tooraj Arvajeh", "title": "Founder", "founder_bio": "Tooraj Arvajeh has 20+ years of experience in developing, financing, and operating $1B+ new infrastructure and climate-tech projects across the world. Tooraj has worked in senior engineering, project origination, and research roles at Arup, Hatch, and the Building Performance Lab. Tooraj holds degrees in mechanical engineering and business from the University of Waterloo, Columbia Business School, London Business School, and the University of Hong Kong.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/toorajarvajeh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8c215c0d1b26e0993bf2ae3bb61344fb496c7cd2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25528, "name": "Lenk", "slug": "lenk", "former_names": [ "Philippo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/521906247661c9b6885a472a838b9b9002c0f8c4.png", "website": "https://getlenk.com/", "all_locations": "Buenos Aires, Buenos Aires, Argentina; Remote", "long_description": "Lenk empowers financial institutions in Latin America with advanced loan origination solutions.\r\n\r\nOur platform optimizes the entire loan lifecycle, from lead acquisition to disbursement, leveraging automation and AI to enhance efficiency and improve digital experiences.\r\n\r\nLenk enables institutions to streamline complex tasks, ensuring compliance and agility while boosting productivity and customer satisfaction.", "one_liner": "The next-gen lending platform for the banking system in LATAM.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1641399845, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Argentina", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/lenk", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/lenk.json", "year_founded": 2021, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/lenk-tech", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/521906247661c9b6885a472a838b9b9002c0f8c4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 857632, "full_name": "Guido Galanter", "title": "Founder", "founder_bio": "Guido is co-founder and CEO of Philippo, which he launched with Nicolas and Tomas in 2021. Prior to Philippo, Guido led New Ventures at OLX (Naspers Group's main marketplace) where he launched tech transactional models from India to Latam. Guido was also involved in plenty M&As with Naspers, main was Frontier Car Group's acquisition (~$700M deal)", "is_active": true, "linkedin_url": "https://ar.linkedin.com/in/guido-galanter-61771593", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4783ac0d01b9332c42e9a3d24f71a70d85b17e6.jpg" }, { "user_id": 858187, "full_name": "Tomás Gropper", "title": "Founder", "founder_bio": "Tomás is co-founder and CTO of Philippo. He has a Systems Engineering degree and was Head of Engineering at the largest retailer in Argentina, where he built and managed high-performance engineering teams, helping scale the company's operation, especially during the pandemic quarantine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasgropper", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec2e491b1486cddecb19cce17118e7c84015e036.jpg" }, { "user_id": 858531, "full_name": "Nicolás Piqueras", "title": "Founder", "founder_bio": "Nicolás is Co-founder and CFO of Philippo, launched with Guido and Tomás in 2021. Prior to Philippo, Nicolás worked in residential Real Estate, leading corporate finance and capital markets in two of the largest home builders in Argentina. He led several transactions and became specialized in IR and fundraising. Among others, he coordinated two IPOs in NYSE as an insider, leading team efforts to reach SEC standards. Nicolás studied Economics and Finance in Universidad Torcuato Di Tella.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicol%C3%A1s-piqueras-38404226/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/83391e34a7e4eea7921b2903ddd9307f45252892.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25559, "name": "Creizer", "slug": "creizer", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "website": "https://www.creizer.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers.\r\n\r\nMore than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region.\r\n \r\nAt Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales.\r\n \r\nWe are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.\r\n", "one_liner": "Clear.co for LATAM. Revenue based financing for online sellers.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1645548350, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "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": null, "url": "https://www.ycombinator.com/companies/creizer", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/creizer.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/creizer", "x_url": "https://twitter.com/CreizerMX", "fb_url": "https://www.facebook.com/CreizerMX", "cb_url": "https://www.crunchbase.com/organization/creizer", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 428502, "full_name": "Emiliano Musalem", "title": "Founder", "founder_bio": "Emiliano is the founder and CEO of Creizer. Previously he was part of the launching team of Rappi(Doordash for Latam) in Cordoba, Argentina and Co-founder of a data analytic tool for SMEs. Passionate about how to optimize income distribution and boost developing countries' economies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emiliano-musalem-58463a135/", "x_url": "https://twitter.com/EmilianoMusalem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0a180d60c1510616d8330913b02d30f0eb2fcb6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25615, "name": "BharatX", "slug": "bharatx", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "website": "https://bharatx.tech/", "all_locations": "Bengaluru, KA, India", "long_description": "BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users.\r\n\r\nBharatX enabled \"Pay in 3\" and \"Pay in X\" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. \r\n\r\nWe started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users. ", "one_liner": "Enable Buy-Now-Pay-Later in a White-Labelled Manner", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1647453047, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "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": null, "url": "https://www.ycombinator.com/companies/bharatx", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/bharatx.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/bharatx/", "x_url": "https://twitter.com/BharatX_IN", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bharatx", "github_url": "https://github.com/bharatx-in", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 311936, "full_name": "Mehul Jindal", "title": "Founder/CEO", "founder_bio": "Started BharatX @ 19 enabling 500+ Millions of Indians to access Credit without any Credit Score, Documentation or paying high interests (in majority cases it was Zero APR). \n\nScaled 47X from $50K to $2.5M ARR in under 18 months, with less than 15 people, becoming cashflow +ve, disbursing $100K+ daily. Got Killed by Regulations in an hour, Sold the Tech & Biz to Flipkart - India's largest Startup, powering their Checkout Financing Stack & their Fintech Arm's BNPL biz. \n\nBuilding again. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mehuljindal18/", "x_url": "https://twitter.com/mehuljindal18", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6e9b16027b28864754381fcd8245ec8e795a484d.jpg" }, { "user_id": 867815, "full_name": "Shyam Murugan", "title": "Founder", "founder_bio": "1. LoL\n2. Anime\n3. Development\n\nThat's how I would describe myself. The ordering may or may not be important :D", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/shyam-murugan/", "x_url": "https://twitter.com/_shyam_king_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b55b3d6344787af7d00251938bbbe23dffc55bd.jpg" }, { "user_id": 564549, "full_name": "Eeshan Sharma", "title": "Founder", "founder_bio": "A good listener… always up for quick ideation or discussion over coffee ☕️ ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sharma-eeshan/", "x_url": "https://mobile.twitter.com/eeshansharma19", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9793f30a7c2038aa3568d90b213400a9457b1926.jpg" }, { "user_id": 598079, "full_name": "Siddharth Venu", "title": "Founder", "founder_bio": "I love building tech and watching anime.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sidvenu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5069ea29a1b52f04a106783f3120e9f0c0d0ab8e.jpg" } ], "jobs": [], "news": [ { "title": "Uphill Battle: Navigating the Complexities of Diabetes Management - The Economic Times", "url": "https://economictimes.indiatimes.com/industry/healthcare/biotech/healthcare/uphill-battle-navigating-the-complexities-of-diabetes-management/articleshow/110177970.cms", "date": "May 29, 2024" }, { "title": "BharatX Is Helping Businesses Provide Credit Through ‘30 Lines Of Codes’", "url": "https://inc42.com/startups/how-bharatx-is-helping-businesses-provide-quick-credit-through-30-lines-of-codes/", "date": "Jul 20, 2022" }, { "title": "BharatX Bags $4.5 Mn To Help Companies Launch Credit Products", "url": "https://inc42.com/buzz/exclusive-fintech-bharatx-bags-5-mn-from-y-combinator-to-help-consumer-companies-launch-credit-products/", "date": "May 11, 2022" }, { "title": "Lightspeed selects BharatX for Extreme Entrepreneur program - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/startups/lightspeed-selects-17-startups-for-its-extreme-entrepreneurs-program/articleshow/80269742.cms", "date": "Feb 25, 2022" }, { "title": "NIT Tiruchy students’ BharatX comes under Forbes’ radar- The New Indian Express", "url": "https://www.newindianexpress.com/cities/chennai/2022/feb/19/nit-tiruchy-students-bharatx-comes-under-forbes-radar-2421120.html", "date": "Feb 25, 2022" } ], "launches": [] }, { "id": 25665, "name": "Wibond", "slug": "wibond", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f8aca33bbbc7f098e6884aaf05d63f57bdae220.png", "website": "https://www.wibond.co/", "all_locations": "Córdoba, Cordoba, Argentina", "long_description": "Under \"Buy Now, Pay Later\" business model, Wibond is a 100% flexible digital payment method enabling the 200 million underbanked consumers without credit cards to shop online for the first time. \r\n\r\nWe integrate directly into the purchase flow of online merchants, and we offer consumers a credit, when they have already made up their mind that they want to acquire a specific product.\r\nWe provide financial and digital access to a large community of people offering payment options according to their possibilities and profile. Wibond is an inclusive and simple solution:\r\n - Consumers can create their free account to quickly access and pay without banks, in installments, and without a card.\r\n - Merchants with e-commerce channels increase their sales and integrate Wibond in a very agile way by offering a new form of payment and expanding their markets.\r\n\r\nWe’re also integrated in the purchase flow of more than 500 merchants, including Samsung, Musimundo (one of the Biggest retailers in LATAM) , and Motorola. And up to 65% of the payment transactions on these sites go through us. \r\n", "one_liner": "Affirm for LATAM ", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1641208676, "tags": [ "Banking as a Service", "Cashierless Checkout", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wibond", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/wibond.json", "year_founded": 2020, "city": "Córdoba", "country": "AR", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f8aca33bbbc7f098e6884aaf05d63f57bdae220.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 75218, "full_name": "Ezequiel Bucai", "title": "Founder", "founder_bio": "I studied Business Administration and Public Accountant. In 2013, with Alejandro Silvestre and Gonzalo Conde, created ClickyPass: a platform where users get access to a network of more than 2,500 gyms and sports centers located in 30 cities in Argentina, Mexico and Chile. Then Classpass, the US Unicorn, acquire Clickypass.\n", "is_active": true, "linkedin_url": "https://ar.linkedin.com/pub/ezequiel-bucai/28/2a3/294/es", "x_url": "https://twitter.com/piojo.bucai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e7f4aa148fa0cb5e2def708019e8e530c525280.jpg" }, { "user_id": 853744, "full_name": "Lucrecia Porta", "title": "Founder", "founder_bio": "I am one of Wibond´s cofounders, and member of the board. Additionally, I am the Finance Director in Porta Hnos, a 140 years B-corp family company. I have always been in Financial Corporate area, working in JPMorgan as well.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucrecia-porta", "x_url": "https://twitter.com/lucreporta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4694b760a30c9180a57c7bdb336241c70c2b9ce0.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25694, "name": "PayCrunch", "slug": "paycrunch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "website": "https://paycrunch.in", "all_locations": "Bengaluru, KA, India", "long_description": "More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. We use Alternative Credit scoring models to provide a Pay Later option on UPI to a wider audience. ", "one_liner": "Credit Card for college students based on UPI.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642415941, "tags": [ "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paycrunch", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/paycrunch.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/paycrunch", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/PayCrunch-team", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 435410, "full_name": "Aman Bhayana", "title": "Founder", "founder_bio": "Hey! I am Aman. Currently building a Fin-tech company to make credits accessible and fun for the upcoming Gen. \n", "is_active": true, "linkedin_url": "http://linkedin.com/in/aman-bhayana-bab9ab164", "x_url": " https://twitter.com/BhayanaAman", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b345a84b9782d8910bdb3c351c727904bf11e412.jpg" } ], "jobs": [], "news": [ { "title": "Fintech entrepreneur | Aman Bhayana | PayCrunch | Global Indian", "url": "https://www.globalindian.com/youth/story/global-indian-exclusive/how-fintech-entrepreneur-aman-bhayana-helped-students-avert-a-paycrunch/", "date": "Mar 29, 2022" }, { "title": "Why this fintech startup launched India’s first UPI-based credit line for college students", "url": "https://yourstory.com/2022/02/y-combinator-backed-fintech-startup-paycrunch-teenagers-students/amp", "date": "Feb 16, 2022" } ], "launches": [] }, { "id": 25755, "name": "Rank (formerly Moni)", "slug": "rank", "former_names": [ "Moni" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "website": "https://www.userank.com/", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa. \r\n
\r\nWe launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa.\r\n
\r\nFemi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps\r\n\r\nWe are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.\r\n", "one_liner": "Group Financing for small businesses across Africa.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642152318, "tags": [ "Banking as a Service", "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rank", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/rank.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/mwlite/company/moni-africa", "x_url": "https://twitter.com/mymoniapp", "fb_url": "https://www.facebook.com/MyMoniApp", "cb_url": "https://www.crunchbase.com/organization/moni-africa", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 215913, "full_name": "Femi Iromini", "title": "Founder", "founder_bio": "Cofounder & CEO at Moni. Previously worked with The World Bank Group. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/femiiromini/", "x_url": "https://twitter.com/femi_iromini", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4d336f57bc4e24c337e0bfa50c16658b67b04e3f.jpg" }, { "user_id": 832820, "full_name": "Adedapo Sobayo", "title": "Founder", "founder_bio": "Co-founder Moni Africa. Passion for Digital Product, Technology, Block Chain and Financial Inclusion", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adesobayo", "x_url": "https://twitter.com/adesobayo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b537c1e304c9656722313207b058b50183fca2fd.jpg" } ], "jobs": [], "news": [ { "title": "Moni's community-based model redefines access to loans for small businesses in Nigeria", "url": "https://www.trendwatching.com/innovation-of-the-day/moni-community-powered-loans-for-nigerian-small-businesses", "date": "Apr 14, 2023" }, { "title": "How Moni Africa leverages social trust to finance mobile money agents", "url": "https://techcabal.com/2022/01/19/moni-africa-funds-mobile-money-agents/", "date": "Jan 19, 2022" } ], "launches": [] }, { "id": 25876, "name": "Numida", "slug": "numida", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1949250110cbb69424a4932710f3027d1163c017.png", "website": "https://numida.com", "all_locations": "Kampala, Central Region, Uganda", "long_description": "Numida provides working capital loans to African micro businesses. Instead of borrowing from informal lenders or family, micro business owners download the Numida app, apply in minutes, and receive capital within a day. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, while maintaining excellent collection rates. Since 2021 we have provided $23M in working capital to 32,000 businesses in East Africa. \r\n", "one_liner": "Working capital for African micro businesses", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642704125, "tags": [ "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Uganda", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/numida", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/numida.json", "year_founded": 2016, "city": "Kampala", "country": "UG", "linkedin_url": "https://www.linkedin.com/company/numida-technologies", "x_url": "https://twitter.com/numidatech", "fb_url": "https://www.facebook.com/numidatech", "cb_url": "https://www.crunchbase.com/organization/numida-technologies", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1949250110cbb69424a4932710f3027d1163c017.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 160749, "full_name": "Mina Shahid", "title": "Founder", "founder_bio": "Co-Founder and CEO of Numida. I'm a two time founder and along with Numida's CTO I previously worked on another lending company in Ghana that failed. I'm Egyptian and Canadian and have lived and worked in Uganda, Ghana, Zambia and Colombia. I fundamentally believe that the growth of micro and small businesses in Africa is the key to economic prosperity for hundreds of millions of people!", "is_active": true, "linkedin_url": "https://ug.linkedin.com/in/minashahid", "x_url": "https://twitter.com/_minashahid", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/36324d91cf0cdaba33715250278d93acc03be9b1.jpg" }, { "user_id": 218523, "full_name": "Catherine Denis", "title": "Founder", "founder_bio": "Co-founder and COO of Numida. I have lived and worked in Uganda, Rwanda, Burkina Faso, Mali, Haiti and Colombia for 8+ years figuring out how to build teams, build robust processes, and get things done in challenging environments. I hold an MPA/ID from the Harvard Kennedy School and graduated in Systems Design Engineering from the University of Waterloo. As a French Canadian, I always welcome the opportunity to work or connect in my mother tongue. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/catherinedenis", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a7b5c3f58188eb08a446a2b8f9726a4fb560bae3.jpg" } ], "jobs": [], "news": [ { "title": "YC-backed fintech Numida raises $12.3M led by Serena Ventures to extend loans to MSMEs beyond Uganda • TechCrunch", "url": "https://techcrunch.com/2022/09/28/yc-backed-fintech-numida-raises-12-3m-led-by-serena-ventures-to-extend-loans-to-msmes-beyond-uganda/", "date": "Sep 28, 2022" } ], "launches": [] }, { "id": 25973, "name": "BelozFi", "slug": "belozfi", "former_names": [ "Comerza (new name ---> Amiloz)", "AMILOZ", "amiloz", "Amiloz", "amiloz", "Amiloz", "amiloz" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b7064954b699944273829fa9f99e428be9bfa6f.png", "website": "https://www.belozfi.com.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "We are a Y Combinator / Latitud backed financial health focused micro-lending platform in Mexico led by people from companies such as Capital One, Bain, Konfio, DiDi etc. We are hyper focused on making sure our users understand and improve their financial health through their relationship with us. In a very short time, we have achieved significant traction with very good consumer outcomes and unit economics. We have built a solid AI foundation in product development, data science and lending operations that powers our product. Our goal is to build the biggest AI enabled financial health platform in Mexico and eventually LatAm.", "one_liner": "Financial health focused micro-lender in Mexico", "team_size": 29, "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": null, "url": "https://www.ycombinator.com/companies/belozfi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/belozfi.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/beloz/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b7064954b699944273829fa9f99e428be9bfa6f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 757662, "full_name": "Debashish Bhadra", "title": "Founder", "founder_bio": "Past experience: fintech, VC / IB / PE\nDirector / Head of Credit at Konfio, Mexico City\nSr Mgr Credit at Capital One Bank, Washington DC\nPreviously in venture capital (Ribbit Capital), private equity (Warburg Pincus) and investment banking (J.P. Morgan)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/debashish-bhadra-9b14362a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/56364f02909bb6f7b4579a32e95e88db087ceb29.jpg" }, { "user_id": 880703, "full_name": "Gianfranco Gentille", "title": "Founder", "founder_bio": "Married with 1 small kid and a dog. Very diverse experience in operations, strategy, product and finance (trading and investments) at DiDi, Bain, Deloitte, BBVA and Central Bank of Peru. Strategist, project manager, entrepreneur excited about starting things out. Building the next grocery inventory procurement B2B ecommerce. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gianfrancogentille/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4eaaaea3a1d82781c45041dc2161cbcf8cb2a7b0.jpg" } ], "jobs": [ { "id": 115289, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/belozfi/jobs/tAD6tbF-software-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$2K - $5K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Go", "Node.js", "Python", "React", "React Native", "TypeScript", "SQL", "Next.js" ] } ], "news": [], "launches": [] }, { "id": 26051, "name": "GIMO", "slug": "gimo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c68de92438a9912956f54bb8432706d4b265d422.png", "website": "https://gimo.vn/en", "all_locations": "Hanoi, Hanoi, Vietnam", "long_description": "We are building a new financial platform that helps underbanked workers get paid as they earn it, anytime, anywhere. By partnering up with corporate employers, GIMO is providing a mobile financial application as a benefit to their employees, aiming at changing the way the employees earn, spend, save and invest.", "one_liner": "We help underbanked workers get paid before payday", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1639507973, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Vietnam", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gimo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/gimo.json", "year_founded": 2019, "city": "Hanoi", "country": "VN", "linkedin_url": "https://vn.linkedin.com/company/gimojsc", "x_url": "", "fb_url": "https://www.facebook.com/gimo.vn/", "cb_url": "https://www.crunchbase.com/organization/gimo", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c68de92438a9912956f54bb8432706d4b265d422.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 833329, "full_name": "Quan Nguyen", "title": "Founder", "founder_bio": "Quan is the co-founder and CEO of GIMO - a mobile financial app for underbanked workers to get paid on-demand. Prior to GIMO, Quan was an ex-Citibank executive managing its consumer banking division and used to lead capital raising and investments valued $100Mn in Vietnam's debt market at family offices and boutique investment funds. Quan holds an Executive MBA from Shidler College of Business, University of Hawaii at Manoa. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/quannguyen89/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fae776ed362bf3a96831a644d598982d1f669df9.jpg" } ], "jobs": [ { "id": 102296, "title": "Marketing Lead", "url": "https://www.ycombinator.com/companies/gimo/jobs/yxH32RL-marketing-lead", "location": "Hanoi, Ha Noi, VN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100 - $700 / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102297, "title": "Senior Java Engineer", "url": "https://www.ycombinator.com/companies/gimo/jobs/PnG2yGW-senior-java-engineer", "location": "Hanoi, Ha Noi, VN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$1K - $2K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Java" ] } ], "news": [ { "title": "Vietnam's GIMO raises $17.1M in funding led by TNB Aura to fuel expansion - TechNode Global", "url": "https://technode.global/2023/07/24/vietnams-gimo-raises-17-1m-in-funding-led-by-tnb-aura-to-fuel-expansion/", "date": "Jul 23, 2023" }, { "title": "FinTech startup GIMO hits first close of Series A at $5.1 million  - GIMO", "url": "https://gimo.vn/en/blog-home/fintech-startup-gimo-hits-first-close-of-series-a-at-5-1-million/", "date": "Feb 13, 2023" }, { "title": "Fintech startup GIMO bags $1.9M in Seed+ round led by Integra Partners", "url": "https://au.finance.yahoo.com/news/fintech-startup-gimo-bags-1-023000015.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAKSn-dyUJZrcnjNno2Els98VF1T7KpzaUFsKVKTysV4dEzKBB7_pA5ztcIXrx09wLs-oXdDq6r2DVTjkkVeQ1tK2Ik6OzOtubXU1TBH1kDKsAaXA8C0jTKccFQtxcCiYOqSA0z3IwqN8iJrQnns3F7GhVriYYjBoxhYBmlTIy5X7", "date": "Dec 09, 2021" } ], "launches": [] }, { "id": 27205, "name": "Kashin", "slug": "kashin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "website": "https://kashin.app/", "all_locations": "Lima, Callao Region, Peru; Lima, Lima Province, Peru; Remote", "long_description": "Credit for the emerging economy in Latam.\r\nWe have 10K users and nearly $2M in annualized revenue, from our small loans to micro-merchants and individuals in the informal economy.\r\nWe do our underwriting with our proprietary AI risk model processing 250+ variables from the user's smartphone and credit bureau.", "one_liner": "Credit for the emerging economy in Latam", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1659548596, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Peru", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kashin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/kashin.json", "year_founded": 2020, "city": "Lima", "country": "PE", "linkedin_url": "https://www.linkedin.com/company/68777723", "x_url": "https://twitter.com/kashin_app", "fb_url": "https://www.facebook.com/kashinpe", "cb_url": "https://www.crunchbase.com/organization/kashin", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 586979, "full_name": "Christophe Robilliard", "title": "Founder", "founder_bio": "Engineer with a passion for solving problems.\nFormer experiences: McKinsey Consultant, Easy Taxi General Manager, Cabify Regional Manager, and Ligo COO.\nLove sports: surf, tennis, soccer, squash, and more.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chrobilliard/", "x_url": "https://twitter.com/CRobilliard", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cc45496bcb52ff22547bfeec734b69b8cbdc05a.jpg" }, { "user_id": 597708, "full_name": "Jose Palacios", "title": "Founder", "founder_bio": "Founder and Critical Thinking Officer @ Kashin", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thetex/", "x_url": "https://twitter.com/iamt3x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d5bf4c795541b5656be06a65854164e0d49bed7.jpg" } ], "jobs": [], "news": [ { "title": "Our 10 favorite startups from YC's S22 Demo Day: Part 2 • TechCrunch", "url": "https://techcrunch.com/2022/09/08/our-10-favorite-startups-from-ycs-s22-demo-day-part-2/", "date": "Sep 08, 2022" }, { "title": "Estos exejecutivos de Cabify crearon en Perú una fintech de nanocréditos que acaba de ingresar a Y Combinator", "url": "https://forbes.pe/negocios/2022-08-03/estos-exejecutivos-de-cabify-crearon-en-peru-una-fintech-de-nanocreditos-que-acaba-de-ingresar-a-y-combinator/", "date": "Aug 03, 2022" } ], "launches": [ { "id": 65160, "title": "Kashin: The preferred financial app for the underbanked in Latam", "tagline": "Meet Kashin, the digital wallet that is trusting the underbanked in Latam", "body": "Hi everyone, we are **Kashin**, and our goal is to give access to financial products - not just bank accounts - to the informal economy in Latin America.\n\n![uploaded image](/media/?type=post&id=65160&key=user_uploads/586979/12f259f3-349a-432c-8f60-20424c451d9b)\n\nWe serve users directly through our app. Our core product is a digital wallet, but we decided to start with the most difficult value-added product of all: Loans.\n\nThe main issue behind lending in this segment is the high default rate - traditionally around 15%, and we have it below 8%. Our major disruption is our **collaborative credit algorithm** so that our users create their own social network of endorsers in our mobile app. The benefits improve according to the behavior of the user and his friends.\n\nSince many of our users are micro-entrepreneurs, we are developing our second product: a Soft-POS so that our users can receive credit and debit card payments immediately directly from our app without any initial cost.\n\nWe have launched in Peru, but will soon expand to Colombia. We are currently a more than 50 people fully remote team with several nationalities, so we expect to serve several Latam countries soon.\n\nWe are happy to collaborate with micro-entrepreneurs service providers in the region that can add value to their users with our products.\n\n[Chris](https://www.linkedin.com/in/chrobilliard/) and [Tex](https://www.linkedin.com/in/thetex/) - Founders\n\n![uploaded image](/media/?type=post&id=65160&key=user_uploads/586979/84882fa1-8718-4014-a661-fc12f22a61d8)\n\n", "url": "https://www.ycombinator.com/launches/Gwy-kashin-the-preferred-financial-app-for-the-underbanked-in-latam", "votes": 31, "created_at": "2022-08-05T18:05:00.154Z" } ] }, { "id": 27694, "name": "Paperplane", "slug": "paperplane", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "website": "https://www.paperplane.ai/", "all_locations": "New York City, NY, USA", "long_description": "Paperplane helps builders', plumbing, and timber merchants mitigate their credit risk by predicting which customers will default 4+ weeks before anyone else. Instead of relying solely on credit reports and lagging public data, Paperplane uses the company's own transaction data and customer knowledge directly from sales reps to make more accurate predictions in real-time. ", "one_liner": "Credit risk management platform for builders' merchants", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1677010587, "tags": [ "Fintech", "SaaS", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "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": null, "url": "https://www.ycombinator.com/companies/paperplane", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/paperplane.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/paperplaneai", "x_url": "https://twitter.com/paperplaneai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/paperplane-f079", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ae8699fd0c21faed211d7580b3aa10c0483fc5a7.png" ], "primary_partner": null, "founders": [ { "user_id": 1695624, "full_name": "Daniel Kwak", "title": "Founder", "founder_bio": "Computational physics + ML PhD dropout. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dnlkwak/", "x_url": "https://x.com/dnlkwk", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ffac86868b4058660ea591519727d5bdfdb82bc1.jpg" }, { "user_id": 177665, "full_name": "Jack Hopkins", "title": "Founder", "founder_bio": "I left Cambridge with a post-graduate degree in Advanced Computer Science and peer-reviewed research in generative language models receiving almost 100 citations in the field. \n\nI started a company applying LMs to API security, where I met Daniel Kwak, who led my Seed Round. I left this company to join Daniel and Ben in building NLP for Sales.\n\nIn my spare time I enjoy rowing long distances. Once I rowed unsupported from Africa to America in 40 days.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jack-ww-hopkins/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ba5419608dbb594843bc35dbd286c8a39887ef12.jpg" }, { "user_id": 1159397, "full_name": "Ben Magolan", "title": "Founder", "founder_bio": "Previous ML Ops tech lead at Xometry and software engineer at the Naval Nuclear Laboratory. Attained his PhD in Nuclear Engineering at MIT specializing in reactor coolant modeling and simulation.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ben-magolan-69537611a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1ac5cbcd5a91a6d1c0a35c145d924e349a8ffc1.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 70012, "title": "Paperplane - Automatically update Salesforce after sales calls using NLP.", "tagline": "We analyze sales calls to update all of the fields, objects, and notes you need in Salesforce.", "body": "**TLDR**: ✈️ [**Paperplane**](https://www.paperplane.ai/) **automatically updates Salesforce after sales calls. Sales teams at fast-growing B2B companies do 14%+ more calls per week because they no longer have to spend hours updating their CRM.**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=70012&key=user_uploads/312272/108c66cb-2f3c-4a62-865b-c88b96f03b74)\n\n### **The Problem:**\n\nThere are over **3 million** B2B salespeople in the US, and each of them spends 3-6 hours each week manually updating their CRM with data about their customers and live deals. \n\nThis creates a problem at every layer of large and fast-moving sales teams.\n\nReps at companies like Nextdoor, Twilio, Checkr, and Front spend **10-15% of their time** on data entry versus actually selling; Sales leaders spend hours chasing reps for updates; and sales-ops / rev-ops teams deal with their **CRM missing \\~50% of opportunity data**. This has always made it difficult for sales teams to know what is really happening and which deals are at risk.\n\nIn an environment where many B2B companies have to do more with less, something has to give.\n\n### **Our Solution:**\n\n**Paperplane solves this problem by automatically updating Salesforce after every sales call.** \n\nWe plug into a sales team’s conversational intelligence platform (e.g. Gong, Chorus, Wingman) and Salesforce.\n\nAfter the call, Paperplane transcribes and extracts the required Salesforce fields (eg. next steps, follow-ups, pain points, MEDDIC) and notes. No keywords, tracking words, or scripts to adhere to. Paperplane’s NLP model is built to retrieve the correct data regardless of phrasing and is grounded to mitigate hallucinations that are common with language models today.\n\n![Paperplane application dashboard](https://assets.website-files.com/61dda3a6f044ba05c5199801/63c85e1f69303cf09805823d_PIc%203.svg)\n\n![uploaded image](/media/?type=post&id=70012&key=user_uploads/312272/b1a55bb7-eba1-42d4-b245-fcbc8dd9e1c8)\n\nOnce done, sales leaders get the updates and notes they need in minutes and reps no longer spend hours moving data from their notes into Salesforce.\n\nWe’re currently working with a handful of fast-growing B2B companies to increase their pipeline visibility, improve sales productivity, and help them understand why they’re winning/losing.\n\n## **Our Ask 🙏**\n\n1. If you’re interested in a pilot, please email us at [founders@paperplane.ai](mailto:founders@paperplane.ai).\n2. Share this post with any sales or revops leaders or sales teams that fight Salesforce everyday. We’ll send you a WHOOP or Paperplane swag!", "url": "https://www.ycombinator.com/launches/IDE-paperplane-automatically-update-salesforce-after-sales-calls-using-nlp", "votes": 34, "created_at": "2023-03-07T20:08:00.230Z" } ] }, { "id": 27832, "name": "Trigo", "slug": "trigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "website": "https://trigodata.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. No solution exists to consistently furnish this rent verification to landlords and lenders today. The largest database has only 3% coverage of rent data.\r\n\r\nTrigo is a Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We are repeat founders with consumer data and finance experience across Harvard, Citigroup, Experian, and Amazon.", "one_liner": "Rent verification API for landlords and lenders", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1675306671, "tags": [ "Fintech", "B2B", "Proptech", "API", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "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": null, "url": "https://www.ycombinator.com/companies/trigo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/trigo.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trigo-data/", "x_url": "https://twitter.com/TrigoData", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 741033, "full_name": "Sam Stein", "title": "Founder", "founder_bio": "Sam is the Co-founder & CEO of Trigo. Sam joins Trigo as a repeat founder previously in the food tech space. Prior to that, he spent 8 years in finance and private company investing at Citi, Richard Branson's Virgin Group, and RedBird Capital. Sam is a mission-driven founder excited about social impact. Born and raised in Atlanta, GA. Currently based in New York City. Sam has a B.A. in Government from Harvard.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sam-s-8300188/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4613485b3a1220dd854a1c7d0720afa23c808235.jpg" }, { "user_id": 1092278, "full_name": "Abe Wheeler", "title": "Founder", "founder_bio": "Abe built Trigo (YC W23), the first API for consumer rent data. Trigo was acquired by Snappt in August 2025.\n\nAbe is currently building the agent operations platform at Alignbase.\n\nBefore Trigo, Abe built AI adtech systems at Amazon. He has a B.S. in Computer Science from the University of Southern California.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abrahamwheeler/", "x_url": "https://x.com/AbeWheeler5", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/54bcac822afe309a0b8920baa84fcd3f24b81aea.jpg" } ], "jobs": [], "news": [ { "title": "Snappt Acquires Trigo, Secures $50M Growth Financing - Los Angeles Times", "url": "https://www.latimes.com/b2b/ai-technology/story/2025-08-06/snappt-acquires-trigo-secures-50m-growth-financing", "date": "Aug 06, 2025" }, { "title": "Snappt Acquires Trigo to Strengthen Trust Infrastructure in Multifamily Leasing - Multifamily Executive", "url": "https://www.multifamilyexecutive.com/technology/snappt-acquires-trigo-to-strengthen-trust-infrastructure-in-multifamily-leasing", "date": "Aug 05, 2025" }, { "title": "Snappt Acquires Trigo to Enhance Applicant Trust Platform for Multifamily Housing, Secures $50M Growth Financing", "url": "https://finance.yahoo.com/news/snappt-acquires-trigo-enhance-applicant-160000786.html", "date": "Aug 04, 2025" }, { "title": "Snappt Acquires Trigo to Enhance Applicant Trust Platform for Multifamily Housing, Secures $50M Growth Financing – Company Announcement - FT.com", "url": "https://markets.ft.com/data/announce/detail?dockey=600-202508051200BIZWIRE_USPRX____20250805_BW739999-1", "date": "Aug 04, 2025" } ], "launches": [ { "id": 69852, "title": "🏠 Trigo 🏠 Rent data API for landlords and lenders", "tagline": "Approve better tenants & write more loans with rent data", "body": "Hi! We’re [Sam](https://www.linkedin.com/in/samsonstein/) & [Abe](https://www.linkedin.com/in/abrahamwheeler/), founders of [Trigo](https://trigodata.com/).\n\n**TLDR:** **Trigo** aggregates **consumer rent history** to help **landlords approve better tenants** and **lenders write more loans**. We have **25x more coverage** than the credit bureaus, and we’ve already consolidated **tens of thousands of rental units** to provide data instantly.\n\n![uploaded image](/media/?type=post&id=69852&key=user_uploads/1092278/edd9cd08-b7d8-48f6-8830-8a7d9f3d4731)\n\n## ❓ Rent Data is Missing\n\n🏠 **Landlords**: **Bad debt & evictions are at all time highs** in the U.S., and landlords need more data for added protection across the **60+ million tenants screened annually**. Applicants with positive rent history are **4x more likely** to pay their rent on-time and in full.\n\n🏦 **Lenders**: In 2021, financial institutions including Fannie Mae and Freddie Mac added rent payment data to their underwriting models to expand access to credit. Without rent data to input into these models, **lenders are writing 17% fewer loans than they could**. That’s a lot of missed loans across the **300 million consumer loan originations** annually in the U.S.!\n\n❌ **No solution exists** to consistently furnish this data to landlords and lenders today. The largest database has only **3% coverage** of rent data.\n\n## 🔌 Trigo Rent API\n\n**Trigo** is a federally regulated **Consumer Reporting Agency (CRA)** that provides this missing rent data set through a **real-time API** and web application. We’ve already consolidated **tens of thousands of rental units** to provide **instant data**. Where we don’t yet have data coverage, we **automate outreach** to landlords.\n\n## 👋 About Us\n\nWe’re repeat founders with consumer data and finance experience across Experian, Citigroup, and Amazon.\n\nTrigo began when Sam pulled his own credit report and realized not one of his landlords over the past decade had reported a single month’s rent payment to the credit bureaus. With a little research, we discovered that **this data has only 3% coverage in the market today**.\n\nSam met Abe through [YC cofounder matching](https://www.ycombinator.com/cofounder-matching) (amazing product - 🤝 YC!), and the rest is history.\n\n## 🙏 Our Ask\n\nThanks for reading about us. If you or someone you know is interested in our data, you can reach us at [**contact@trigodata.com**](mailto:contact@trigodata.com). In particular, we would love to talk to:\n\n1. **Landlords**\n2. **Property managers**\n3. **Proptech providers**\n4. **Lenders**: financial institutions or fintechs—mortgages, personal loans, credit cards, auto loans, etc.", "url": "https://www.ycombinator.com/launches/IAe-trigo-rent-data-api-for-landlords-and-lenders", "votes": 78, "created_at": "2023-03-01T22:01:50.095Z" } ] }, { "id": 27936, "name": "ClickPe", "slug": "clickpe", "former_names": [ "FinX", "DailyPe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "website": "https://clickpe.ai/", "all_locations": "Surat, GJ, India", "long_description": "Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital.\r\n\r\nTherefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. \r\n\r\nEvery day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.", "one_liner": "Finance on a Click", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1679390801, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/clickpe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/clickpe.json", "year_founded": 2022, "city": "Surat", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/dailype", "x_url": "https://twitter.com/Team_DailyPe", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/534ee6cd11a890a7d3ee352ff25c463a9a6c5a8b.png" ], "primary_partner": null, "founders": [ { "user_id": 1043738, "full_name": "Shashwat Shrikhande", "title": "Founder", "founder_bio": "I enjoy working on problems related to the lending tech industry and want to help reduce the credit gap in the Indian economy.\n\nI graduated from IIT Kharagpur in 2021 and then worked at ICICI bank & Lenskart.com before starting up DailyPe.\n\nI am an ardent Chelsea football club fan, DM me anytime to discuss football 😁😎", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shashwat-shrikhande", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95860eaa75fa4e91196f39a43476acbdddd3f3aa.jpg" }, { "user_id": 514038, "full_name": "Saurabh Gupta", "title": "Founder", "founder_bio": "Co-Founder of DailyPe. I have 2 years of experience building products in the lending tech domain at FinBox. I have created products such as Device Connect and Bank statement analyzer to evaluate New to Credit customers. During my college, I opened a glass bottle recycling factory. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saurabh-gupta2104", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/334df7160a9a14e14a1255c331c316188b8e2ce6.jpg" } ], "jobs": [ { "id": 61815, "title": "Backend Intern (Python)", "url": "https://www.ycombinator.com/companies/clickpe/jobs/N3kIxQj-backend-intern-python", "location": "IN / Remote (IN)", "type": "Internship", "role": "Engineering", "role_type": "Backend", "salary_range": "₹10K - ₹30K INR", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "Serverless" ] }, { "id": 68570, "title": "Backend Engineer Full Time", "url": "https://www.ycombinator.com/companies/clickpe/jobs/cXo6jPK-backend-engineer-full-time", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹500K - ₹1.5M INR", "equity_range": "0.20% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Go", "PostgreSQL", "Python", "Serverless" ] } ], "news": [ { "title": "DailyPe among top 30 startups", "url": "https://www.linkedin.com/feed/update/urn:li:activity:7108793363235008512/", "date": "Oct 04, 2023" } ], "launches": [ { "id": 70455, "title": "DailyPe - Repay your loans daily", "tagline": "DailyPe is a marketplace for business loans, that are repaid daily.", "body": "Hey! We are [Saurabh](https://www.linkedin.com/in/saurabh-gupta2104/) and [Shashwat](https://www.linkedin.com/in/shashwat-shrikhande/), the founders of [DailyPe](https://dailype.in/). We met each other at IIT Kharagpur and have been friends for the past 7+ years. We’re building DailyPe — a marketplace for business loans that are paid in smaller, daily installments.\\\n—\n\n### **Problem 💸: Paying your loans in huge installments at once sucks.**\n\nSmall shop owners earn daily unlike salaried people, but when it comes to loan repayment both are asked to pay monthly. For these shop owners, it is difficult to calculate how much to save each day so that they will have the required installment amount at the end of the month. Also, at the time of repayment, they end up with a big hole in their working capital.\n\n### **Solution 💡: Reduce risk & pay small amounts daily.**\n\n**Borrower Side:** When you earn daily you pay daily and get away from the stress of huge one-time installments. Each day, a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default, and you also build your credit score. \n\n**Lender Side:** Discover defaulters early because right from the 2nd day onward, your collection data stops you from lending in that particular demographic and geographic location. These data points wouldn't be available in the traditional way of lending till at least the 3rd month. With DailyPe, lending decisions are much more informed leading to higher collection rates and lower NPAs.  \n\n![uploaded image](/media/?type=post&id=70455&key=user_uploads/514038/c1cbfb52-4486-4bf2-aa13-d39065cd0419)\n\n### \n\n### **Why us 😎**\n\nWe both have seen this problem firsthand when our fathers, who ran their own businesses, would stress out days before installment day — saying that they “\\*\\*need to save and transfer money from their secondary accounts to pay for the loan.\\*\\*” \n\nAlso, while working at FinBox and ICICI bank in the past, we built products in the **lending-tech industry.** This was something we had always wanted to build.\n\nFun fact: These loan products are called “**khandi Udhar**” which existed for a long time in the unorganized markets in India. We are making them organized 😁\n\n### **Ask** ❤️\n\n**Lending Partners**: If you can connect us with banks, NBFCs, and debt institutions in India who are open to becoming finance providers for our small business owners. \n\n**Data Points**: If you have worked on credit models, underwriting tech, risk analysis, or any sort of lending algorithm, please reach out to us at [founders@dailype.in](https://mailto:founders@dailype.in). It would be a pleasure to learn from you.             ", "url": "https://www.ycombinator.com/launches/IKN-dailype-repay-your-loans-daily", "votes": 78, "created_at": "2023-03-21T20:51:49.508Z" } ] }, { "id": 28886, "name": "Cardinal Gray", "slug": "cardinal-gray", "former_names": [ "Cardinal Gray Incorporated" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.png", "website": "https://www.cardinalgray.com/", "all_locations": "New York City, NY, USA", "long_description": "When a lender gives out a car loan, they need to file a lien with their borrower’s DMV. This is difficult because the process varies by state and county. We’ve leveraged LLMs to help lenders automate lien filings for over $1B of loans.", "one_liner": "Automating lenders' interactions with the DMV", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1687970738, "tags": [ "Enterprise Software", "Consumer Finance", "Automation", "AI", "Automotive" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "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": null, "url": "https://www.ycombinator.com/companies/cardinal-gray", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/cardinal-gray.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cardinal-gray/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd23108e8186366e29a1827c228ceddd75097d20.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1136419, "full_name": "Jack Chapman", "title": "Founder", "founder_bio": "CEO @ Cardinal Gray", "is_active": true, "linkedin_url": "https://linkedin.com/in/jack-chapman-2b7b75153", "x_url": "https://x.com/chapolantern", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/87582e783c75d6f4de9e3bdb90d15c0513018c2c.jpg" }, { "user_id": 1479733, "full_name": "Muhammad Khattak", "title": "Founder", "founder_bio": "Cofounder @ CG | Prev. R&D Engineer at Veridise, Stanford Philosophy", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/muhammad-khattak-b87a73156/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/40007bd00d02fef789ad9f4d0ec2f62aa7b70f29.jpg" }, { "user_id": 1163950, "full_name": "Grant Pease", "title": "Founder", "founder_bio": "Cofounder @ Cardinal Gray\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/grantpease1017brr", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37a1e83754a66d84681c97389898e76cc1e2d256.jpg" } ], "jobs": [ { "id": 82553, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/cardinal-gray/jobs/AcQcqtv-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $160K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "HTML", "JavaScript", "React", "TypeScript", "Software Architecture", "Prompt Engineering" ] } ], "news": [], "launches": [ { "id": 74164, "title": "Cardinal Gray - Helping auto lenders instantly send title data to DMVs", "tagline": "Auto lenders spend 30M hours a year sending title documents to 50 different state DMVs. Cardinal Gray automates this.", "body": "### **Our Team**\n\n![uploaded image](/media/?type=post&id=74164&key=user_uploads/1136419/54416cc8-471b-4684-855a-0b4cd7f37fe0)\n\nHey! We’re Grant, Muhammad, and Jack. We’re building titling tools for auto lenders. For example, when a loan gets paid off, we instantly release the lien placed on the car.\n\nBefore we jump into it, you might be wondering: what is a lien? A lien is a legal claim auto lenders file with the DMV to establish their legal claim over a borrower's car and secure the loan payments, but managing this collateral with the DMV is a headache for lenders.\n\n### **The Problem**\n\nAuto lenders spend 30 million hours a year sending title documents to 50 different state DMVs. At Cardinal Gray, we’re automating this.\n\nTitle work is time intensive because lenders’ systems are not connected to DMV systems. Lenders spend >$2 Billion each year on employee labor to manually aggregate and forward the relevant data and documents to state governments.\n\nFor lenders, a slow lien filing process can lead to billions of dollars in unsecured loans. A slow lien release process creates tension with dealerships and customers because car ownership can’t be transferred until a lien gets released.\n\nOn top of this, manual processes lead to errors. At any given time, 20% of lien filings are inaccurate.\n\n### **Our Product**\n\nWe fix this by interfacing with lender and DMV databases. Our software monitors a lender’s loan data, and when a loan gets created or paid off, we ping the appropriate DMV to file or release the lien. When a DMV creates or edits data, we reference this change with the bank and resolve discrepancies before they cause issues.\n\n### **How We Found This**\n\nA year ago, we were trying to create a decentralized marketplace for car loans. We actually applied to YC’s W23 batch with this idea, and we were told that it was too complex and that it was unclear why it required blockchain. They were right. We were boiling the ocean.\n\nAs we continued investigating auto lending, we discovered dealerships originate roughly 80% of all auto loans, and lenders automate credit decisions and funding at the same rate. We realized that a major bottleneck to automated car financing was manual title work, so we did a deep dive into DMV systems. As it turns out, this work can also be automated.\n\n### **Our Ask**\n\n* **Are you in auto lending?** We’d love to meet. Shoot us an email at [founders@cardinalgray.com](mailto:founders@cardinalgray.com)\n* **Do you know anyone in auto lending?** We’d love to be introduced. We have a strong pipeline, but the more the merrier.\n\n🧯 get in touch / [cardinalgray.com](http://cardinalgray.com) / [founders@cardinalgray.com](mailto:founders@cardinalgray.com)", "url": "https://www.ycombinator.com/launches/JIC-cardinal-gray-helping-auto-lenders-instantly-send-title-data-to-dmvs", "votes": 48, "created_at": "2023-08-16T18:28:21.150Z" } ] }, { "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": null, "url": "https://www.ycombinator.com/companies/yenmo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/yenmo.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/yenmo-in/", "x_url": "https://twitter.com/yenmo_official", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1058266, "full_name": "Ashutosh Purohit", "title": "Founder", "founder_bio": "Passionate about providing the best financial solutions for Indians! \nAt Navi, I led the creation and growth of their Mutual fund arm, going from 0 to $625M AUM in a year. Previously, at Swiggy, I spearheaded expansion from 30 to 500 cities in 1.5 years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ashutoshpurohit97", "x_url": "https://twitter.com/ashutoshpuro97", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/21f40d3ac69ca53f124aa1119965f1bb0e725b10.jpg" }, { "user_id": 1105961, "full_name": "Aryan Agarwal", "title": "Founder", "founder_bio": "Finance and Tech enthusiast working towards empowering Indians with new and innovative credit solutions. Worked at Browserstack for 2 Years before starting a Capital Management Company based out of India with over $2 million AUM.", "is_active": true, "linkedin_url": "https://linkedin.com/in/aryanag15", "x_url": "https://twitter.com/AryanAg15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e6c7dd3a965a5cf39d9f03c4e54a0a7ace740bc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78731, "title": "Yenmo - Instant loans against investments", "tagline": "Enabling Indians to access cash without the need to sell their investments", "body": "**TL;DR:** [Yenmo](https://yenmo.in) offers a better way to access cash for **India’s 60 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 **flat 10.5% interest rate**.\n\n_Our Insight -_ **In India,** **over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.**\n\n### 🧨 **What is the Problem?**\n\nIn India, with over 60 million investors in stocks and mutual funds, a staggering 50% of individuals resort to personal loans to fulfill liquidity needs. \n\nWhen these investors need funds, they are faced with two unfavorable options:\n\n**1-** Liquidating investments, which means losing out on the compounding growth of investments and also often incurring capital gains taxes of up to 35%\n\n**2-** Taking out a personal loan at over 18% interest.\n\nMany investors have earmarked their investments for specific future needs, such as their child's education or their retirement. For these individuals, liquidating investments is a last resort, leaving them with the burden of high-interest personal loans.\n\n### 🛠️ **Our Solution:**\n\nIntroducing Yenmo! We empower Indian investors to borrow against their investments \\[such as Mutual Funds and stocks\\] at a flat 10.5% interest rate, all in less than 5 minutes. Developed in collaboration with leading financial institutions and government agencies, we are revolutionizing how investors access liquidity.\n\nWith us, investors can view all their investments in real time, select the assets they wish to borrow against and receive funds directly into their bank accounts. This allows their investments to continue growing for the long term while fulfilling immediate financial needs effortlessly.\n\n\n\n### 🌟 **Our purpose**\n\nTo empower every Indian with the best financial solutions tailored to their unique conditions. We believe Loan Against Investments is an excellent starting point for this endeavor. Despite being ideal for the Indian market, this product is currently either not offered by financial institutions or when offered, is a very tedious process.\n\nWe aim to provide better financial products to customers by reimagining loans, credit cards, credit on UPI, and BNPL services in a way that can leverage their investments to unlock more value.\n\nUltimately, our goal is to evolve into the go-to destination for all Indian consumers seeking comprehensive financial solutions.\n\n### 👨‍💼 **About us**\n\n[Ashutosh](https://www.linkedin.com/in/ashutoshpurohit97/) started digging deep into the problem while he was working at one of the largest fintechs in India. He discovered over 30% of users who were taking a personal loan had active investments but they just weren’t aware of an option to take a loan against their investments. He quickly called the best coder he knew - [Aryan](https://www.linkedin.com/in/aryanag15/), who was running a capital management company, to join him to build something big! Apart from being from the same college, both of them have a shared passion for being deeply obsessed with financial products.\n\n![uploaded image](/media/?type=post&id=78731&key=user_uploads/1105961/cd36991d-f7a3-4d56-9eea-bdc9d3c6b11a)\n\n> In photo (left to right) - Ashutosh Purohit, Aryan Agarwal\n\nDownload [Yenmo](https://yenmo.in) today!  [Apple App Store](https://apps.apple.com/in/app/yenmo/id6477531049) | [Play Store](https://play.google.com/store/apps/details?id=in.yenmo&hl=en&gl=US)\n\nDon't let high-interest loans hold you back. Download Yenmo today and unlock the full potential of your investments, with easy access to liquidity when you need it most.", "url": "https://www.ycombinator.com/launches/KTr-yenmo-instant-loans-against-investments", "votes": 140, "created_at": "2024-02-25T22:44:18.512Z" } ] }, { "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": null, "url": "https://www.ycombinator.com/companies/finosu", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/finosu.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finosu/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1996346, "full_name": "Mark Ricciardi", "title": "Founder/CEO", "founder_bio": "Started in finance as a special situations private credit investor and then moved to tech to build productized credit instruments. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mark-ricciardi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5ca99bd24073b14bb11402d745e4abffa1fde18.jpg" }, { "user_id": 1997164, "full_name": "Gabriel Vincent Kho", "title": "Founder/CTO", "founder_bio": "Stanford grad. Ex-Flexport. AI consultant (not currently because I'm working on my own start-up). I'm currently working on fixing the problems I faced in the credit space while working at Alt.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/", "x_url": "https://twitter.com/gakho", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/daa745f43901a4e738ce7bf3b80728b0ab7cdbfd.jpg" } ], "jobs": [ { "id": 90198, "title": "Infra Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/TKx1Llu-infra-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$125K - $200K", "equity_range": "0.25% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "React", "Redis" ] }, { "id": 100351, "title": "Data Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/bzA1L0R-data-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Google Cloud", "Kubernetes" ] }, { "id": 100352, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/b3vdf0y-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83104, "title": "Finosu: Automated compliance for consumer lending", "tagline": "We automate mandatory compliance to save lenders, investors, and auditors time and money.", "body": "**TL;DR: The consumer lending compliance process sucked, and so we started Finosu to build the tools we wish existed.**\n\nHi all - we’re [Gabriel](https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/) and [Mark](https://www.linkedin.com/in/mark-ricciardi/). Together we built a $200m lending business within a fintech marketplace, and in doing so, spent hundreds of hours and hundreds of thousands of dollars on compliance work. \n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXewpShqbgrlpyOsuXmfPgyGdsFEMU-TvpnSN6zuBIVArSX2HyhiMSKCq-ksNr3LxRgI0ZfbArgbK9z7hZatDiRF3kyBB52ql40rnruBlrvUBZaTmEIqMJX4K8yK7dHBfQ_LHdvOr3ZVLRXjhNSLxXNMvR0B?key=yRFyYsAwfokUFio43hbr7g)\n\n**Problem:**\n\n* Regulatory compliance is mandatory to access the $5 trillion US consumer credit market\n* Compliance today is expensive, relies heavily on manual processes to navigate the complicated state and federal laws, and operates reactively to audit requests\n\n**Solution:**\n\nOur software relieves the pain of hunting through regulatory codes, the confusion of form filling, the surprise of regulatory deadlines, the monotony of PDF data extraction, the anxiety of brittle Excel spreadsheets, and the frustration of buried email threads with advisors… to name a few…\n\nWe ingest lenders’ existing information (PDFs, excels, loan management systems, etc.) and:\n\n* automate filing and maintenance of state lending licenses\n* automate preparation for loan book auditing \n* provide a loan management system that is natively and proactively compliant\n\n ![uploaded image](/media/?type=post&id=83104&key=user_uploads/1996346/d368a12c-36cf-4ae3-8cce-f9e622731adc)\n\n\n**Why now:**\n\n* The cost of compliance has skyrocketed as federal agencies such as the Federal Reserve, FDIC, and OCC have [increased scrutiny](https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/small-group-of-banking-as-a-service-banks-logs-big-number-of-enforcement-actions-80067110) on sponsor bank partnerships\n\n**The ask:**\n\n* If you work in or around all forms of lending at a fintech, investor, advisor, broker, or bank, we’d love to chat! \n* Share this post! If there is anyone in your network who deals with consumer lending, we would love to learn more about their problems and see if we can be helpful!\n * Copy & paste blurb: A team of ex-fintech operators created a product to automate regulatory licensing and loan book auditing for consumer lending. Contact [mark@finosu.com](mailto:mark@finosu.com) to see a demo from the founders.", "url": "https://www.ycombinator.com/launches/LcO-finosu-automated-compliance-for-consumer-lending", "votes": 334, "created_at": "2024-08-15T23:13:24.511Z" } ] }, { "id": 30384, "name": "Chestnut", "slug": "chestnut", "former_names": [ "Detta" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.png", "website": "https://chestnutmortgage.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.", "one_liner": "The first AI mortgage lender", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1747766524, "tags": [ "Fintech", "Real Estate", "Consumer", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "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": null, "url": "https://www.ycombinator.com/companies/chestnut", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/chestnut.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/chestnutmortgage", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 285403, "full_name": "Spencer Brown", "title": "Founder/CEO", "founder_bio": "Repeat founder building the first AI mortgage lender. My last startup built a system of record for mortgage lending that powered 2% of US mortgages annually. During that time, I saw firsthand how inefficient traditional lenders are – and realized I should compete with them directly. I started coding at age 12, founded my first company at 16, and was an early engineer at six other seed- and A-stage startups.", "is_active": true, "linkedin_url": "https://linkedin.com/in/spencercbrown", "x_url": "https://x.com/spencerbrownx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1aadccbfd15343627b9880cf751d0d424799fef.jpg" } ], "jobs": [ { "id": 83364, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/chestnut/jobs/GGNEow8-software-engineer", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 3.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "TypeScript" ] } ], "news": [], "launches": [ { "id": 90630, "title": "Chestnut, the first AI mortgage lender", "tagline": "Save 0.5%+ in interest with the first AI mortgage lender", "body": "tl;dr **-** Chestnut is building **the first AI mortgage lende**r. Our AI agents help people **save 0.5%+ on their rate**.\n\nhttps://www.youtube.com/watch?v=M7ay1fshd-w\n\n—\n\n# 👋 Howdy\n\nI’m Spencer, the founder of Chestnut — **the first AI mortgage lender**. My last startup built a mortgage “Loan Origination System” (system of record + workflow tool used daily by 80% of lender employees) that powered 2% of US mortgages annually. During that time, I saw firsthand how inefficient traditional lenders are — and realized I should compete with them directly.\n\n# **🤨** Isn’t the mortgage process already automated?\n\nFar from it. Today, 80% of employees at traditional lenders **spend** **hours each day** filling out paper forms, manually reviewing documents, and copy-pasting data between systems. These manual processes cost lenders – and ultimately their borrowers – $12,000+ per loan ($61B+ per year).\n\n# **😲** What’s next?\n\nAI can automate 99% of mortgage operations, but **traditional lenders would take 10+ years** to adapt. They’d have to overhaul their entire tech stack, rewrite every procedure, and retrain their whole workforce.\n\n# ➡️ Enter Chestnut\n\nChestnut is **vertically integrating AI** to challenge traditional lenders directly. Besides Ashley, our AI loan officer assistant, we’ve also built agents that:\n\n1. **Find the best deals** by shopping rates across 100+ lenders (since we’re starting with brokering),\n2. **Cut borrowing costs** by automating the origination process, and\n3. **Notify clients** when rates drop.\n\nSo far, we’re licensed in Texas and Colorado where we’re helping clients with new home purchases, refinances, home equity loans, and home equity lines of credit.\n\n# 🤑 Ready to save?\n\nIf you’re exploring mortgage options in Texas or Colorado, **head over to [our website](https://chestnutmortgage.com?utm_source=launch-yc&utm_medium=cta-link&utm_campaign=launch-yc)** where you can get an instant quote and compare our rates to other lenders!\n\n—\n\nCheers!\n\n![uploaded image](/media/?type=post&id=90630&key=user_uploads/285403/adefaf94-0d5d-4bad-aafc-788d26e493ee)\n\n", "url": "https://www.ycombinator.com/launches/NZm-chestnut-the-first-ai-mortgage-lender", "votes": 111, "created_at": "2025-05-22T17:11:21.534Z" } ] }, { "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": null, "url": "https://www.ycombinator.com/companies/veritus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/veritus.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/veritus-agent/", "x_url": "https://x.com/veritusagent", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2833935, "full_name": "Joshua March", "title": "Founder/CEO", "founder_bio": "I’m the Founder & CEO of Veritus Agent, an AI agent platform the consumer lending industry. I’ve been a serial founder with multiple exits, including enterprise SaaS company Conversocial, acquired by Verint (VRNT), and I was the co-founder & CEO of a16z-backed SCiFi Foods. I’m also the author of Message Me, a book about the future of customer service in the era of AI and social media. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshuamarch/", "x_url": "https://www.x.com/joshuamarch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4dd6e8ed88496382b6a27b6ab4a143cbe1724c2.jpg" }, { "user_id": 2884935, "full_name": "David Schlesinger", "title": "Founder", "founder_bio": "Co-founder at Veritus Agent. 10+ experience in startups including Divvy Homes and Cloudflare.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/davidschles/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74d258685a8f33c0d38c8fd42106a76c0f497fdb.jpg" }, { "user_id": 2397, "full_name": "Joseph Stein", "title": "Founder", "founder_bio": "Co-founder of Veritus Agent, an AI-powered debt buyer and collections platform. 10+ years in startups, including one acquired by Fitbit → Google", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josephstein1", "x_url": "https://www.x.com/josephstein", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b6946906dd3ceffaee99102a127adcf1a2cf0cbb.jpg" } ], "jobs": [ { "id": 88326, "title": "Forward Deployed Software Engineer", "url": "https://www.ycombinator.com/companies/veritus/jobs/ikiycL5-forward-deployed-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 92571, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/veritus/jobs/pfkev5c-full-stack-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $250K", "equity_range": "0.20% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102215, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/veritus/jobs/bcAsnPw-founding-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "0.10% - 0.25%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112658, "title": "Customer Success Manager (Growth)", "url": "https://www.ycombinator.com/companies/veritus/jobs/VK812Ko-customer-success-manager-growth", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "0.05% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 92595, "title": "Veritus — AI voice agents for lenders from origination through collections", "tagline": "AI agents that help lenders improve conversion rates, decrease servicing costs, and increase recoveries", "body": "Hi YC,\n\n**We’re excited to introduce Veritus Agent,** founded by [Joshua March](https://www.linkedin.com/in/joshuamarch/), [Joey Stein](https://www.linkedin.com/in/josephstein1/), and [David Schlesinger](https://www.linkedin.com/in/davidschles/) to help lenders improve conversion rates, decrease servicing costs, and increase recoveries by deploying voice agents across their operations. \n\nJoshua is a serial entrepreneur and the former CEO of Conversocial, which became the leading platform for social media customer service before its acquisition by Verint. Joey and David are seasoned software engineering leaders who met while building core systems at Divvy Homes, the pioneering billion-dollar rent-to-own fintech.\n\n**The U.S. consumer lending market is enormous,** spanning origination, servicing, and collections. In the U.S. alone, consumer credit originations total over $4 trillion annually, while outstanding loans across all categories exceed $18 trillion. The collections segment is responsible for recovering roughly $100 billion from a pool of over $400 billion in delinquent debt. These businesses are all high-touch and highly regulated, yet they remain dominated by manual, phone-based and mail-based outreach—resulting in high operational costs, poor borrower experiences, and billions in missed revenue.\n\n**Everyone in the space is talking about voice AI, but very few are deploying it effectively.** Lenders and collections agencies today are forced to choose between generic AI platforms that lack regulatory rigor or vertical-specific vendors that offer turnkey solutions with no room for customization.\n\n**At Veritus, we’re combining decades of loan servicing experience with deep expertise in agentic workflows to deliver a scalable, configurable AI platform.** Our agents can handle both inbound and outbound conversations while maintaining full context across voice, SMS, email, and chat; they’re regulation compliant right out of the box; and they can be tuned to match a lender’s brand, tone, and negotiation policies. Most importantly, they operate with perfect consistency—24/7.\n\nWe are licensing our platform to lenders, fintechs, servicers, and collections agencies across the entire loan servicing stack; while also getting fully licensed as a collections agency in all fifty US states and buying and collection on our own charged-off consumer debt. This hybrid model gives us exposure to both high-margin software revenue and the upside of direct collections.\n\nOur agents are already live today, executing both first-party collections and loan origination workflows.\\\n\\\n**We’re now looking for new design partners—lenders, servicers, fintechs, or collections agencies—who want to increase recovery rates, reduce costs, and modernize their approach to customer contact.** \\\n\\\nIf that’s you, get in touch: [founders@veritusagent.ai](mailto:founders@veritusagent.ai)\n\n![uploaded image](/media/?type=post&id=92595&key=user_uploads/2833935/52cb8722-d224-4d08-935a-c3efa7d0722d)\n\n", "url": "https://www.ycombinator.com/launches/O5T-veritus-ai-voice-agents-for-lenders-from-origination-through-collections", "votes": 21, "created_at": "2025-07-31T07:35:20.206Z" } ] }, { "id": 31169, "name": "Proximitty", "slug": "proximitty", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c673e059e5a8ca7754f20b8d30a076bfb5c81c5b.png", "website": "https://proximitty.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Proximitty is the AI operating system for commercial loans - we build regulator-grade AI agents that ingest and parse documents, spread financials, automate loan operations and track covenants.\r\n\r\nWe help FDIC-insured banks and fintechs underwrite faster and scale their loan books without scaling costs.", "one_liner": "AI operating system for commercial loans", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1771451277, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "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": null, "url": "https://www.ycombinator.com/companies/proximitty", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/proximitty.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/proximitty-ai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c673e059e5a8ca7754f20b8d30a076bfb5c81c5b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 1120256, "full_name": "Wye Yew Ho", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @ Proximitty (YC W26). Previously, led FinCrime and Growth at Taptap Send ($75m -> $200m ARR) and started his career advising banks and fintechs on risk strategy at McKinsey.\n\nHighest ranked Malaysian in history in the Southeast Asian Maths Competition (SEAMC). ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/wyeyew/", "x_url": "https://x.com/WyeYew", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dcf8ce32d3b4dc6a170bc231b76373a414a871b5.jpg" }, { "user_id": 3018333, "full_name": "Zi Zhang", "title": "Founder/CTO", "founder_bio": "Co-founder & CTO @ Proximitty (W26). Previously, led security infrastructure at Bloomberg (securing 300k+ terminals) and Head of Engineering at ACI.dev (built world's first unified MCP with 4k GitHub stars in 1 month).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zizixcm/", "x_url": "https://x.com/zizixcm", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c2d3989b3c81e4035d2127eca91c422f7a433562.jpg" } ], "jobs": [ { "id": 93643, "title": "Member of Technical Staff", "url": "https://www.ycombinator.com/companies/proximitty/jobs/ctpg0o9-member-of-technical-staff", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K - $300K", "equity_range": "1.50% - 3.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "TypeScript", "Distributed Systems" ] } ], "news": [], "launches": [] }, { "id": 31260, "name": "Copperlane", "slug": "copperlane", "former_names": [ "Sevenfold", "Rhombal", "Coevolved" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6c74fb63a006045b5124e1949931ca658a4aafd.png", "website": "https://www.copperlane.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Copperlane helps mortgage lenders accelerate the loan process and reduce mistakes in an application. We use AI agents to understand an applicant's profile, verify their documents, and complete initial underwriting tasks.", "one_liner": "Agentic Mortgage Origination", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1768253497, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "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": null, "url": "https://www.ycombinator.com/companies/copperlane", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/copperlane.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/copperlane/", "x_url": "https://x.com/copperlaneai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6c74fb63a006045b5124e1949931ca658a4aafd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harshita Arora", "url": "https://www.ycombinator.com/people/harshita-arora" }, "founders": [ { "user_id": 1705932, "full_name": "Athan Zhang", "title": "Founder/CEO", "founder_bio": "Cofounder & CEO @ Copperlane", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/athanzhang/", "x_url": "https://x.com/athanzxyt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b2fada970b561d35b032565902b9cb852620f0fb.jpg" }, { "user_id": 3082094, "full_name": "Brianna Lin", "title": "Founder", "founder_bio": "Co-Founder & COO @ Copperlane | UPenn M&T", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brianna-lin/", "x_url": "https://x.com/briannajlin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e148d2875818d32cc7e0c320484c5f1107da51b8.jpg" } ], "jobs": [ { "id": 111227, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/copperlane/jobs/RW3yRBp-founding-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$140K - $220K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "React", "TypeScript" ] } ], "news": [], "launches": [ { "id": 98441, "title": "Copperlane - AI Native Mortgage Loan Origination", "tagline": "We help mortgage lenders close loans faster", "body": "Hey! We’re [Athan](https://www.linkedin.com/in/athanzhang/) and [Brianna](https://www.linkedin.com/in/brianna-lin/), the cofounders of [Copperlane](https://www.copperlane.ai/) (YC W26).\n\nCopperlane helps **mortgage lenders originate loans faster and eliminate intake errors**. Our AI agent Penny proactively closes loans by optimizing rate pricing, directing borrowers, and verifying docs. Loan officers receive complete files and can focus on bringing in new deals.\n\n[Copperlane Launch Video](https://youtu.be/-7Z8CI0O-GE)\n\n**The Problem**\n\nIt costs lenders $11,800 to originate a single mortgage. Most of that money is burned during intake:\n\n* Loan officer labor\n* Lost loans from confusing applications, back-and-forth, and bad rates\n* Costly mistakes from poorly structured files\n\nAll of these issues share the same root cause: people miss things. Borrowers upload the wrong documents, and lenders have to chase down borrowers to clarify details. This happens on almost every loan, every day, across 8 million loans a year.\n\n**Our Solution**\n\nCopperlane is an **AI-native loan origination system** powered by our agent, Penny, who behaves like a real loan officer by:\n\n1. Pulling borrower documents, reading them, and checking borrower loan eligibility\n2. Answering borrower questions live and helping them complete the loan application correctly\n3. Flagging missing documents or conflicting information and following up with borrowers\n4. Generating Letters of Explanation and building context around the applicant's financial profile\n\nPenny delivers complete, organized files to Loan Officers, so they can spend more time closing and bringing in business.\n\n**The Team**\n\nWe’re friends from the same hometown area, and we both come from mortgage families. \n\n* **Athan Zhang - CEO:**\n\n Studied CS at Princeton. Ex-quant developer and 2x founding team at startups.\n* **Brianna Lin - COO:**\n\n Studied CS and Finance at Penn M&T. Ex-Wall St. trader and 1st hire at prev. startup\n\n![uploaded image](/media/?type=post&id=98441&key=user_uploads/3082094/6e5874c4-9e0e-4bf0-9695-6cf967dbce94)\n\n**Our Ask**\n\nIf you KNOW ANYONE in mortgage lending who's frustrated with origination costs, cycle times, or loan fallout, we'd really appreciate an intro. ❤️\n\nYou can reach us at [founders@copperlane.ai](mailto:founders@copperlane.ai), or book a demo at [copperlane.ai](http://copperlane.ai). Thanks for reading! :)\n\nCarpe diem,\n\nAthan and Brianna", "url": "https://www.ycombinator.com/launches/Pbl-copperlane-ai-native-mortgage-loan-origination", "votes": 16, "created_at": "2026-03-04T07:38:43.342Z" }, { "id": 97631, "title": "Q2Q - AI Native Deal Sourcing for Private Equity", "tagline": "We help deal teams find acquisition targets faster", "body": "Hey! We’re [Brianna](https://www.linkedin.com/in/brianna-lin/) and [Claire](https://www.linkedin.com/in/claire-wu-2b30b6184/), cofounders of [Q2Q](https://www.tryq2q.com/) (YC W26).\n\nAt Q2Q, **you tell us the types of companies you want to buy, and we'll get qualified meetings booked for you**. Behind the scenes, we find private companies and run personalized outreach to get you first calls scheduled with off-market opportunities.\n\n[Q2Q Launch Video](https://youtu.be/am_2jrJbvWQ)\n\n**The Problem**\n\nProprietary sourcing is extremely manual for deal teams. Firms typically hire a mini army of juniors to do it for them, and the quality of output is inconsistent.\n\n* It takes a ton of time to hire and train analysts to run sourcing\n* Sourcing is a repetitive loop… research the company, write a custom email, then cold reach out to them\n* The entire industry relies on the same databases, so owners get flooded with the same generic outreach\n\n**Q2Q’s Solution**\n\nWe’re your team of AI analysts that gets you first calls booked with companies you want to buy. We handle:\n\n1. **Sourcing:** Tell us about your thesis. We’ll go find and qualify companies that match your buying criteria. \n2. **Outreach:** We pull owner contact info and research each company across the web and their socials to customize each outreach message.\n3. **AI Phone Agent:** Our AI agent can directly dial business owners and ask for their availability and contact info for a first meeting.\n4. **Bookings:** As owners respond, we book the intro calls for you. You can see meetings populate on your calendar with notes prepared by our team.\n\n**The Team**\n\nWe met through Penn’s M&T Program, where we both studied CS and Finance in Wharton.\n\n* **Brianna Lin - CEO**\n\n Previously at a software PE buyout shop and Jefferies\n* **Claire Wu - CTO**\n\n Worked as a hedge fund engineer and in product at Qualtrics\n\n![uploaded image](/media/?type=post&id=97631&key=user_uploads/3082094/ca53e7e8-7862-4c76-a580-b99052252693)\n\n**Our Ask**\n\nIf you answer “yes” to any of these, we’d appreciate your help!:\n\n* Can you introduce us to anyone in private equity, M&A, or the independent sponsor space who runs outbound deal sourcing?\n* Can you introduce us to any MBA friends or search fund guys looking for acquisitions?\n\nYou can reach us at [brianna@tryq2q.com](mailto:brianna@tryq2q.com) or [claire@tryq2q.com](mailto:claire@tryq2q.com), or sign up for a demo at [tryq2q.com](http://tryq2q.com). Thanks for reading! :)", "url": "https://www.ycombinator.com/launches/POh-q2q-ai-native-deal-sourcing-for-private-equity", "votes": 52, "created_at": "2026-02-08T19:11:32.904Z" } ] }, { "id": 31385, "name": "Zolvo", "slug": "zolvo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/13449379aadac83de276a47cb8ee88b50b55c4f8.png", "website": "https://zolvo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Commercial lenders manage billions in assets on legacy software and manual workflows, their systems live on people’s heads like its the 90s. Zolvo replaces the entire back office with AI: automated data ingestion, invoice reconciliation, collections outreach, and funder monitoring. Our clients go live in weeks and eliminate hours of daily manual work per operator, allowing teams to only handle exceptions. We're building the future of commercial lending.", "one_liner": "AI Back-Office Automation for Commercial Lenders", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1773364062, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "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": null, "url": "https://www.ycombinator.com/companies/zolvo", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/zolvo.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/zolvo-ai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/13449379aadac83de276a47cb8ee88b50b55c4f8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1909560, "full_name": "Tony Montes", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO @ Zolvo (YCP26). Founding AI engineer at Domu (YC S24), built voice AI infrastructure that scaled to 100K+ calls per day for enterprise fintech clients. Background in AI research with publications at ACL and EMNLP and work on generative models at Cornell. Builds Zolvo’s product and infrastructure end to end for commercial lenders.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/t-montes", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b2b5a1f21979423d6a6ff37cc30f299cc9cbadf5.jpg" } ], "jobs": [], "news": [ { "title": "Zolvo Automates Commercial Lending Back Office Tasks | Y Combinator posted on LinkedIn", "url": "https://www.linkedin.com/feed/update/urn:li:activity:7455284831799775235/", "date": "May 11, 2026" }, { "title": "Instagram", "url": "https://www.instagram.com/reel/DVzOY3hkQ_H/?igsh=YTEyczRpbXBhODZl", "date": "Mar 12, 2026" } ], "launches": [ { "id": 100465, "title": "Zolvo: AI that automates servicing for commercial lenders", "tagline": "The automation layer for commercial lending back-offices, making it easy for firms to manage reconciliation, collections, and monitoring without scaling their headcount.", "body": "**The problem**\n\nFactoring and ABL is a **$4T+ industry running on 1990s software**. There is no automation layer. Every new client means more headcount, not better software.\n\nIn practice: For a $500M AUM lender, teams spend **6+ hrs/day** matching messy wire payments, with 16–20 errors/month and 3-day processing cycles. **25 people** verify invoices at $2–5 each, and funding is delayed 1–3 days. Account managers chase 50–100 borrowers/day, with payment proof lost in emails, spreadsheets, and SMS threads.\n\n**What Zolvo does**\n\nZolvo is giving **lenders the infrastructure they need to scale efficiently while maintaining total visibility and control over their risk**.\n\nWe sit as the AI layer between bank accounts, loan management systems, and ops teams. Our platform syncs directly with bank accounts, communication channels, and LMS/FMS to handle reconciliation and collections automatically. By turning these manual chores into background processes, your team now reviews only the exceptions.\n\n**Video Launch**\n\n\n\n**Traction**\n\n**Our first client paid an annual contract before we had a product** and became an angel investor two weeks in. We went live in less than a month and replaced work that would have required a team of 14 people.\n\n**Asks**\n\n**1. Do you know anyone in factoring or ABL?** One warm intro is worth more than any outreach we run.\n\n**2. We’re looking to partner with private credit funds.** We’re building the monitoring and reporting layer their portfolio companies need, and they’re great distribution partners.\n\n**Book a demo** or contact: [isa@zolvo.com](mailto:isa@zolvo.com)\n\n**Why us**\n\nOur first paying client signed during the YC application process, before a single line of code was written. I was the first hire at Domu (YC S24), where we went from $0 to $1M ARR. Tony was a founding AI engineer at Domu too, running 100K+ AI calls/day with zero churn.", "url": "https://www.ycombinator.com/launches/Q8P-zolvo-ai-that-automates-servicing-for-commercial-lenders", "votes": 41, "created_at": "2026-04-29T01:19:36.629Z" } ] }, { "id": 31451, "name": "Masterpiece", "slug": "masterpiece", "former_names": [ "Archer" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed4420b560c26926fdea2bf9ca3f82e062da887b.png", "website": "https://masterpiecelabs.xyz/", "all_locations": "New York City, NY, USA", "long_description": "We believe AI will be one of humanity’s next great masterpieces. Building it will require financial infrastructure as ambitious as the companies creating it. We're founders backed by Y Combinator building the financial rails underpinning the AI data economy.\r\n\r\nMasterpiece provides short term working capital to data vendors that sell training data, evaluation work, and reinforcement learning environments to frontier AI labs.\r\n\r\nA major financing gap exists in this market. Data vendors often need to pay contributors and fund operations before a lab has completed QA, accepted the work, and paid the invoice. This creates a 30 to 90 day cash gap between when vendors incur costs and when they receive payment. Legacy invoice lenders have little visibility into how to underwrite these assets.\r\n\r\nMasterpiece closes that gap by advancing capital against high quality lab contracts and invoices. Vendors can use the capital to scale delivery, pay contributors, and fund growth, then repay masterpiece when the lab payment arrives.", "one_liner": "Working capital for data companies training frontier AI", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1776977656, "tags": [ "Crypto / Web3", "Lending", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "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": null, "url": "https://www.ycombinator.com/companies/masterpiece", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/masterpiece.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/masterpiecelabs/", "x_url": "https://x.com/masterpiece_lab", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed4420b560c26926fdea2bf9ca3f82e062da887b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/f46e96f00413291a0ab76fb895f43b63d4e951fe.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 963292, "full_name": "Benjamin Nguyen", "title": "Founder/CEO", "founder_bio": "Co-founder, CEO at Masterpiece (YC P26).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benjaminnguyen206/", "x_url": "https://x.com/bennewgen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c6e70c59e29634c884dbbc9f775b8a75f602fdb.jpg" }, { "user_id": 3172853, "full_name": "Vivek Yanamadula", "title": "Founder/CTO", "founder_bio": "Co-founder, CTO @ Masterpiece | Ex-AWS, B.A./M.S. CS @ Columbia University", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivekyy/", "x_url": "https://x.com/VivekYanamadula", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9b32f2075335bce0e5463e0c1417ce7866b5ef09.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 116872, "title": "Masterpiece: Invoice-backed loans for data companies selling to the frontier labs", "tagline": "Working capital for data companies training frontier AI", "body": "**TLDR:** Masterpiece finances the AI data economy. We provide short-duration, invoice-backed loans to AI data vendors while their work is in QA review and they wait through Net 30–90 payment terms. We advance capital against expected payments from frontier labs, giving vendors the working capital to keep operating and producing data for the frontier labs.\n\nLaunch Video: \n\n**Problem**\n\nFor AI data vendors, financing frontier AI demand is broken:\n\n* Vendors front the costs: They pay contributors and fund delivery before labs finish QA, accept the work, and pay.\n* Cash is locked up for 30–90 days: QA reviews and payment terms create a major working-capital gap just as vendors need cash to take on more work.\n* Legacy lenders don’t understand AI data: Traditional invoice lenders lack the context to underwrite QA status, lab counterparties, and data contracts properly.\n* Existing financing is slow and expensive: When capital is available, underwriting can take weeks and come with high fees, making it poorly suited to fast-moving AI data businesses.\n\n**How we solve it**\n\nMasterpiece closes the 30–90 day cash gap by advancing capital against high quality lab contracts and invoices. We underwrite AI data vendors based on their invoices, payment history, data quality, and financials, allowing qualified vendors to access working capital in 2–4 days instead of weeks. \n\nWe power these loans through two scalable sources of liquidity: **institutional credit and our stablecoin, $USDml.** Private credit funds and banks provide dedicated lending capital, while $USDml creates a crypto native liquidity pool where users stake stablecoins to fund Masterpiece loans and our haircut capital requirements to earn a target 8–12% yield from the interest generated.\n\n**Traction** \n\n**In 3 weeks, we’ve:**\n\n* **Closed a $10m+ warehouse lending facility from an institutional credit fund**\n* **$65m+ in signed LOIs from some of the top data vendors and RL environment**\n* **$200k in loans earning 24% APY**\n\n**Who we are**\n\n* **Benjamin Nguyen (CEO):** B.S Operations Research at Columbia University. 2x founder. Previously COO at Absinthe Labs, where he helped scale the company to 50+ enterprise customers across the crypto ecosystem and led go to market, partnerships, customer success, and operations.\n* **Vivek Yanamadula (CTO**): BA, Mathematics @ Columbia University. MA Computer Science @ Columbia University. Previously full stack engineer at Amazon on the AWS marketing team. Published researcher in Quantum and AI computing at IEEE QCE under Dr. Ronghui Gu, CertiK founder.\n\n**Ask**\n\nIf you're a data vendor in need of financing against your invoices and datasets, we’d love to talk.\n\nFeel free to email me at [ben@masterpiecelabs.xyz](mailto:ben@masterpiecelabs.xyz) or book a time here: ", "url": "https://www.ycombinator.com/launches/UP2-masterpiece-invoice-backed-loans-for-data-companies-selling-to-the-frontier-labs", "votes": 4, "created_at": "2026-09-28T14:56:34.449Z" } ] } ]