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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. 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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": 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": 22833, "name": "Lendflow", "slug": "lendflow", "former_names": [ "Lendflow", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e4d17532ffa99531ffd5aab036f25518126619a.png", "website": "https://lendflow.com", "all_locations": "Austin, TX, USA", "long_description": "We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.", "one_liner": "Embedded lending infrastructure for software companies", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614708691, "tags": [ "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/lendflow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/lendflow.json", "year_founded": 2019, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/lendflow/", "x_url": "https://twitter.com/lendflowio?lang=en", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/lendflow", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e4d17532ffa99531ffd5aab036f25518126619a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 395593, "full_name": "Jon Fry", "title": "Founder", "founder_bio": "Founded ChannelGrowth in 2014, we specialized in small business customer acquisition for the alternative lending industry. We originated $150+ million over the past 5 years. Launched Quicklinecredit in 2017, which was our own integral micro funding product, where we built software for each stage of the lending process. Launched Lendflow in 2019.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonfrysales/", "x_url": "https://twitter.com/jfrytx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0555823c9f9a0289a54f8c0f69650cc065e90a0.jpg" }, { "user_id": 642865, "full_name": "Matthew Watts", "title": "Founder", "founder_bio": "Matthew is co-founder of Lendflow and plays a leading role in driving key strategic initiatives and innovation across all engineering teams and the core business. Prior to joining Lendflow, Matthew oversaw teams at SpendHQ and directly leverages this expertise at Lendflow. In his free time he works as a volunteer for the National Park Service. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thewatts/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8178149b499cd39e7252735b2d616056a2a3136c.jpg" } ], "jobs": [], "news": [ { "title": "Lendflow Secures $10.8 mln In Series A Funding To Accelerate Fintech Industry’s Growth - Grit Daily News", "url": "https://gritdaily.com/lendflow-secures-10-8-mln-in-series-a-funding-to-accelerate-fintech-industrys-growth/", "date": "Oct 13, 2021" } ], "launches": [] }, { "id": 22857, "name": "Kredi", "slug": "kredi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cb75e266cc8da168413783c604562a0c244d6815.png", "website": "https://www.kredi.mx/", "all_locations": "Monterrey, N.L., Mexico; N.L., Mexico", "long_description": "Kredi is rocket mortgage for LatAm. ", "one_liner": "Rocket Mortgage for LatAm. ", "team_size": 66, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614619577, "tags": [ "Fintech", "Latin America", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kredi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/kredi.json", "year_founded": 2020, "city": "Monterrey", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/kredimx/", "x_url": "https://twitter.com/kredimx", "fb_url": "https://www.facebook.com/kredi.mx", "cb_url": "https://www.crunchbase.com/organization/kredi", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cb75e266cc8da168413783c604562a0c244d6815.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 470618, "full_name": "Javier Aldape", "title": "Founder", "founder_bio": "Cofounder & CEO @ kredi.mx ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/javier-aldape-359706110/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b75d6a48a6f860072a231b2518c54e0d94442133.jpg" }, { "user_id": 580057, "full_name": "JC Mercado", "title": "Founder", "founder_bio": "Co-founder & CTO @ Kredi.mx, Ruby/Elixir Dev with more than 15 years of experience, result oriented, dog lover, music producer", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jcmalpizar/", "x_url": "https://twitter.com/zenbakiak", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53ff82ccd8bec6f2c1d6729cc0c532343c04835a.jpg" }, { "user_id": 464680, "full_name": "Fernando Nader Giacoman", "title": "Founder", "founder_bio": "Cofounder at Kredi\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernando-nader-giacoman-133525102/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/93177cb438216df82eda4c12bc6d262c2e4d0c07.jpg" } ], "jobs": [], "news": [ { "title": "Exclusive: Kredi Brings In $3.1M Seed To Be The ‘Rocket Mortgage Of Latin America’ – Crunchbase News", "url": "https://news.crunchbase.com/news/exclusive-kredi-brings-in-3-1m-seed-to-be-the-rocket-mortgage-of-latin-america/?utm_source=twitter&utm_medium=website&utm_campaign=SocialSnap", "date": "Jun 10, 2021" } ], "launches": [] }, { "id": 23260, "name": "Z1", "slug": "z1", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.png", "website": "https://z1.app/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Z1 is a digital banking app made for teenagers and young adults. By using the Z1 app and a prepaid card linked to their account, teenagers can begin their road to financial independence by learning to manage and spend their money, as well as having a place to receive money they earn through jobs and small businesses.", "one_liner": "Digital bank for teenagers in LatAm connected to prepaid card ", "team_size": 80, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1614809157, "tags": [ "Fintech", "Payments", "Consumer", "Lending", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/z1", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/z1.json", "year_founded": 2019, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/z1app/", "x_url": "https://twitter.com/z1_app", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/z1-8982", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.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": 463927, "full_name": "Joao Pedro Thompson", "title": "Founder", "founder_bio": "João Pedro is a co-founder and CEO at Z1. Before Z1, he co-founded Vereda, an education startup focused on providing high-quality K12 education at affordable prices for the Brazilian middle-class. He started his career in investment banking at Itau BBA and also worked in the finance department at Kraft Heinz, where he headed LatAm treasury. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joaopedrothompson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f65485bc0aaec9af0f136b972440245c745fca7.jpg" }, { "user_id": 448805, "full_name": "Thiago Achatz", "title": "Founder", "founder_bio": "Thiago is co-founder and COO of Z1. Before that, he was part of the founding teams of Rappi (YCW16) and Grow (Grin YCS18 + Yellow), helping build the digital wallet at Grow. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thiago-waddington-achatz-3280a297/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/90e79bec22eaa68b72eebdc2b5961b340f59c878.jpg" }, { "user_id": 488789, "full_name": "Mateus Craveiro", "title": "Founder", "founder_bio": "Mateus Craveiro is CTO and co-founder at Z1, a digital bank for teenagers in Latam.\nPrior to Z1, Mateus was a Principal Software Engineer at Pagar.me (Stripe in Brazil), which was later acquired by StoneCo. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mccraveiro", "x_url": "https://twitter.com/mccraveiro", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9e2da66ac32727fb2778509236592cf82f2b8d5c.jpg" }, { "user_id": 595912, "full_name": "Sophie Secaf", "title": "Founder", "founder_bio": "Sophie Secaf is a creative strategist, consultant, and cultural researcher. Before founding Z1, Sophie worked as a political researcher in São Paulo and lead YONE, a branding company based in NYC. Secaf specializes in socio-cultural research, consumer insights and brand strategy. She is particularly interested in subcultures and consumer behavior. She is also the co-founder of YAGA festival, a festival focused in the international exchange of global subcultures and queer perspectives.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sophie-secaf-b647b891", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/31e90c9b10d10efd30938fb0f1c27c43a76fac7d.jpg" } ], "jobs": [], "news": [ { "title": "Kaszek leads Z1’s latest round as it develops its bank app aimed at LatAm teens – TechCrunch", "url": "https://techcrunch.com/2021/11/22/kaszek-leads-z1s-latest-round-as-it-develops-its-bank-app-aimed-at-latam-teens/", "date": "Nov 22, 2021" } ], "launches": [] }, { "id": 23974, "name": "Level", "slug": "level", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1cdea6a283c7f9c3d6b9bb0babe061a2fe575034.png", "website": "https://trylevel.app", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Level provides fast and simple financing to lending startups that gets them off the ground and grows with them as they scale. We do so by buying loans in small quantities at first and rewarding our customers with more access to capital based on performance. Co-founder & CEO, Vladimir Korshin, previously worked in the traditional venture debt system at Silicon Valley Bank, where he noticed that strong startups were frequently denied from non-dilutive financing because they were too small. Just 4 weeks after going live with our first customer, we purchased $1.3M in loans across 6 customers. The founding team brings 30+ years of startup experience: Vladimir previously worked as an operator at Facebook, Eventbrite, and Niantic; Asa Schachar was an engineer at Microsoft and managed teams of engineers at Optimizely; Molly Hogan led new and international product initiatives at Amazon for over 7 years. 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Hit me up if you need help!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yfaber/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea71f4fb64faed15da1a48f341cb7e98e70f9b76.jpg" }, { "user_id": 560164, "full_name": "Renan Pupin", "title": "Founder", "founder_bio": "Computer Scientist & Entrepreneur", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/renanpupin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e42b5241a83b7468271b65ade1c0fbf26b8bd341.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27175, "name": "Express Building", "slug": "express-building", "former_names": [ "Uwi Homes", "Uwi", "uwi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/51e56d00fdef4175645d89fdb8c4452e07a347e7.png", "website": "https://www.expressbuilding.ph", "all_locations": "Singapore, Singapore; Remote", "long_description": "Express Building (EB) helps small and medium sized residential developers scale their pre-sold affordable housing development pipeline. \r\n\r\nCurrent markets: Indonesia & Philippines", "one_liner": "Financing Southeast Asia's ~$1 trillion housing backlog", "team_size": 14, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1656597546, "tags": [ "Fintech", "Real Estate", "B2B", "Proptech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/express-building", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/express-building.json", "year_founded": 2022, "city": "Singapore", "country": "SG", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/51e56d00fdef4175645d89fdb8c4452e07a347e7.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": 1005442, "full_name": "Joseph Tan", "title": "Founder", "founder_bio": "Former real estate executive who has invested & developed $3B+ in commercial and residential real estate in North America. Scaled a Canadian self storage platform to a $310MM exit.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joseph-tan-82967a161/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0e7ebc3def00ff81ebd2b3cdd1aa2ec3635ecbd.jpg" }, { "user_id": 1079121, "full_name": "Emmanuel Rex Rodriguez", "title": "Founder", "founder_bio": "A highly experienced hands on developer who is always on the forefront of change. Has handled million dollar infrastructure budgets as well as hands programming on applications serving tens of thousands of concurrent users. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rexrodriguez/", "x_url": "https://twitter.com/rex_rodr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9b39d3abb2b6e01c4b775dd0e70f670cef9c74eb.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": 29983, "name": "PathPilot", "slug": "pathpilot", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e75c7444d35c6b426ac80829e6ed40b07d33577d.png", "website": "https://www.getpathpilot.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Today, onboarding, servicing, and collections still depend on large human teams — which means operations scale linearly with loan volume. PathPilot deploys specialized AI agents that handle 60–80% of high-volume operational workflows, turning human-heavy processes into scalable software. These agents operate alongside internal teams — embedded directly into existing systems. This allows lenders to grow loan volume and revenue without proportional headcount growth. ", "one_liner": "AI Agents for Lending Operations", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1724891975, "tags": [ "Finance", "B2B", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pathpilot", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/pathpilot.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getpathpilot", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e75c7444d35c6b426ac80829e6ed40b07d33577d.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": 254075, "full_name": "Victor Laguna", "title": "Founder/CTO", "founder_bio": "Founder of PathPilot. Engineer with vast experience growing software products.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vlaguna/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/10fb6a951e54fa676974095d66e07580fc2e7b57.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105486, "title": "PathPilot - AI Platform for Lenders", "tagline": "AI agents that help lenders grow without scaling operational headcount.", "body": "Today, we’re launching PathPilot Agents for Lending: specialized AI agents that help consumer lenders automate origination, servicing, collections, and quality on their operations.\n\n## The problem\n\nConsumer lenders need to grow, but lending operations are still expensive, manual, and dependent on large internal teams and external vendors.\n\nBorrowers are often asked to submit the same information multiple times, wait for manual reviews, and navigate disconnected processes across origination, servicing, and collections.\n\nFor lenders, this means higher operating costs, slower decisions, inconsistent customer experiences, and difficulty scaling without adding more headcount.\n\nCurrent AI solutions are not enough. Without specialization, guardrails, and the right operational context, agent quality breaks down—especially in regulated, customer-facing workflows.\n\n## What we built\n\nPathPilot builds specialized AI agents for lending operations, powered by a proprietary harness that connects AI models directly to each lender’s workflows, systems, policies, and data.\n\nIt starts with the **Origination Agent**, which guides borrowers through WhatsApp or web forms, collects the right information, pre-verifies documents, and connects with underwriting, identity, and fraud systems to support faster decisions.\n\nOnce the loan is active, the **Servicing Agent** helps customers with payments, balances, questions, and account updates across voice, WhatsApp, chat, and email.\n\nWhen a payment is missed, the **Collections Agent** follows up compliantly, keeps full conversation and account context, connects with call center and CRM systems, and negotiates next steps to drive resolution.\n\nBehind every workflow, the **Audit and Quality Agent** reviews every interaction and action, identifies quality or compliance risks, and provides actionable feedback that helps both human teams and AI agents improve continuously.\n\n\n\n## One agent or a coordinated workforce\n\nLenders can start with a single agent for one workflow or deploy a coordinated workforce of agents that work together and share context.\n\nFor example, the Origination Agent can pass a customer’s application history to the Servicing Agent. If the account later becomes delinquent, the Collections Agent can use the same operational context rather than starting the relationship from zero.\n\nThe Audit and Quality Agent works across the entire system, creating a continuous feedback loop that improves accuracy, customer experience, and compliance.\n\nBecause PathPilot is built on a modular framework, internal AI and engineering teams can extend, customize, and ultimately own the system as their capabilities grow.\n\nWe do not want lenders to become permanently dependent on another black-box vendor. We want to give them a reliable foundation for building and operating their own AI workforce.\n\n## Why we built this\n\nThe problem became personal when I tried to finance my first car after moving to the U.S.\n\nI had no local credit history and very little understanding of how the process worked. I went through a long and frustrating process in which multiple lenders manually reviewed my application, repeatedly requested information, and ultimately offered me a loan with very high fees.\n\nToday, as a real estate investor, I still experience many of the same problems when applying for a mortgage or refinancing a property. The process remains slow, repetitive, and difficult to navigate—even when you understand how lending works.\n\nThere needs to be a better way.\n\nBefore PathPilot, David and I spent years building and operating AI first products at Meta. We learned that making AI work reliably in production requires much more than choosing a model. It requires integrations, evaluations, guardrails, feedback loops, and deep operational context.\n\nWe started PathPilot to bring that infrastructure to lending—so lenders can operate more efficiently and borrowers can receive a faster, clearer, and more responsive experience.\n\n## Where we are today\n\nPathPilot agents are already supporting fintech lenders, BNPLs, embedded lending platforms, and collections organizations across the U.S. and Latin America.\n\nOur customers use PathPilot for workflows including conversational origination, document validation, servicing, collections, and quality assurance.\n\n## Our ask\n\nWe would love to speak with:\n\n* Consumer lenders, BNPLs, neobanks, and embedded lending companies\n* Operations, servicing, collections, risk, and compliance leaders\n* Lending platforms interested in offering specialized AI agents to their customers\n* Internal AI teams looking for a framework they can customize and eventually own\n\nBook a demo at [getpathpilot.com](http://getpathpilot.com).", "url": "https://www.ycombinator.com/launches/RRO-pathpilot-ai-platform-for-lenders", "votes": 10, "created_at": "2026-07-13T16:26:42.554Z" }, { "id": 83625, "title": "PathPilot: The AI model that understands session replay data", "tagline": "Use our API to make your session replays useful", "body": "At [PathPilot](https://www.getpathpilot.com/), we are building an AI model (called UXOB) that accurately captures how users interact with software products. We are now making UXOB available via API to a select group of early partners. Email [founders@getpathpilot.com](https://mailto:founders@getpathpilot.com) or [schedule a call](https://calendly.com/vlad-getpathpilot/30min) if you are interested in learning more. \n\n![uploaded image](/media/?type=post&id=83625&key=user_uploads/707937/0f538406-78a1-4406-a6bd-02bb499271ab)\n\n### What is it?\n\nUXOB is an AI model that ingests session replay files and generates user session data like narratives, summaries, tags, and alerts. \n\n![uploaded image](/media/?type=post&id=83625&key=user_uploads/707937/08220806-5300-45a6-b804-ef709e81b744)\n\n### Why are we building UXOB?\n\nMost session replays end up unused, despite containing invaluable information about user experiences. UXOB helps companies unlock the hidden potential of their user experience data to power new features and automation. \n\n### Who did we build UXOB for?\n\nUXOB is built for companies that offer session replays as part of their platform. Our API is designed to be compatible with rrweb-based providers, and we are expanding to other formats. We also support companies with an existing session replay provider that want to build custom automations or features based on their user journeys. \n\n### How do you get started?\n\nWe’re opening up UXOB to a select group of early partners. If you’re interested in incorporating AI-driven session replay observation into your product offering or internal workflows, get in touch with us at [founders@getpathpilot.com](mailto:founders@getpathpilot.com) or [book a time](https://calendly.com/vlad-getpathpilot/30min). \\\nThank you!\n\nVlad and Victor", "url": "https://www.ycombinator.com/launches/Lkn-pathpilot-the-ai-model-that-understands-session-replay-data", "votes": 58, "created_at": "2024-08-30T19:19:31.594Z" } ] }, { "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": 31083, "name": "Kita", "slug": "kita", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "website": "https://www.kita.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. \r\n\r\nKita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions.\r\n\r\nUnder the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system.\r\n\r\nWe’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.", "one_liner": "Underwrite borrowers around the world in minutes", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767738733, "tags": [ "Fintech", "Computer Vision", "Lending", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kita", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/kita.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kitafi/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/81/1774380993-db0dbd44c2140f7bda4ffe83a4e00da4/e196deff5409ad3bcec6d1491f2ca310.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022732Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=8c33ac15b728e7fabaeb0ef7b95f2ed0abf0a9af632563f8172cbb9433860c19", "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 2926213, "full_name": "Carmel Limcaoco", "title": "Founder/CEO", "founder_bio": "Carmel is the co-founder and CEO of Kita.\n\nShe is from Manila and studied Symbolic Systems & Music at Stanford. Prior to Kita, she was completing her Master’s in Computer Science. She spent three summers in audio and music product at Apple, where she was one of few interns to ever ship a feature in iOS.\n\nShe was awarded by the United Nations at 16, launched the first Product Fellowship in the Philippines, and co-founded DAHA in 2022, where she took Stanford’s first marketplace from 0 to 1.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carmellimcaoco/", "x_url": "https://x.com/carmelkita", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f01d97aa2ddb42ff43b3ff920557ed3e357c93a.jpg" }, { "user_id": 933442, "full_name": "Rhea Malhotra", "title": "Founder/CTO", "founder_bio": "Rhea is the co-founder and CTO of Kita.\n\nRhea completed her bachelor’s and master’s degrees in Computer Science at Stanford, and was an incoming PhD in Computer Vision and Robotics at Princeton. \n\nShe received the Firestone Medal, the sole highest honor of the Stanford CS Department, for her research in 2025.\n\nRhea joined her first research lab at age 13, worked on the COVID-19 vaccine at Pfizer at 17, and has since authored 7 papers recognized and awarded internationally.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rhea-malhotra-198744142", "x_url": "https://x.com/_rheamalhotra_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/41cd921951ca9a07459a11145a54b179b7e9353f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97013, "title": "Kita: Turn financial documents into risk signals for lenders", "tagline": "Make document-driven decisions 70x faster, with built-in fraud checks", "body": "Hi YC! We’re Carmel Limcaoco and Rhea Malhotra, the co-founders of Kita. We met over our gap year during COVID while we were undergrads at Stanford, and have been best friends ever since. Carmel is from Manila, is a past founder, and worked in computational music and audio at Apple. Rhea has a background in computer vision & robotics and was awarded the highest honor in Stanford Computer Science. We were both completing our Master’s in CS at Stanford when we chose to build Kita full time. \n\n**TLDR:** We turn messy borrower documents into the data layer that powers lending in emerging and undertapped domestic markets.\\\n\\\n[Kita (YC W26) Launch Video](https://www.youtube.com/watch?v=_z9lR5p9NMg)\n\n**The problem**\n\nIn emerging markets like the Philippines, where there are no banking APIs, a borrower’s financial history is locked in noisy documents: bank statements, payslips, utility bills, and more. For lenders, accessing and validating a borrower’s data is nearly impossible.\n\nToday, lenders either review these documents manually or rely on legacy OCR. Manual review is slow and expensive, while OCR breaks on real-world inputs and still requires human verification. This slows loan decisioning, raises costs, and caps lending volume.\n\n**What is Kita?**\n\nKita uses vision-language models to outperform traditional OCR, turning noisy borrower documents into fraud-checked, decision-ready signals for underwriting models. We are built specifically for emerging and undertapped markets, hyperlocalized around the signals that actually drive underwriting outcomes in places like the Philippines, Indonesia, Mexico, and beyond.\n\nOver time, Kita links historical repayment outcomes to document-level signals, becoming a custom learning engine trained on a lender’s own data and decisions.\n\nWe’re starting in Southeast Asia with plans to expand to other emerging markets. We’re also exploring underserved segments in more developed markets, like parts of the U.S. where borrowers still rely on documents.\n\n**Our ask**\n\n* **Intros:** We’d love introductions to lenders or fintechs operating in lending or credit, in emerging markets or in the U.S.\n* **Founder wisdom:** If you’ve built or scaled lending, underwriting, or risk infrastructure, we’d love to learn from you and compare notes.\n* **Operators in financial services:** If you work with document-heavy workflows, we’d love to understand the problems with turning documents into usable data.\n\n![uploaded image](/media/?type=post&id=97013&key=user_uploads/2926213/83392dd0-d24f-4c82-b04a-61c6649bcaeb)\n\n", "url": "https://www.ycombinator.com/launches/PEj-kita-turn-financial-documents-into-risk-signals-for-lenders", "votes": 23, "created_at": "2026-01-23T20:12:27.746Z" } ] }, { "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" } ] } ]