Radar · Alternative Lending in California
Best Alternative Lending Companies in California, United States
The 637 best Alternative Lending companies in California, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: SoFi.
By Rohit KhannaTrends & Stories
637companies tracked
$25.1Bdisclosed funding
11unicorns
284have raised
Ranked: Best Alternative Lending companies in California
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SoFi Online bank offering consumer loans and insurances | $3.0B | 27 mo ago | Public | 3,066 3,066 → 6,780 (+121%) · sector median +119% | Benedict Copping Founder | WordPressApple iCloud MailMySQL+37 | — | 1 launch · 1 partnership · 1 award |
| 2 | Tradeshift 🦄 Provider of cloud platform for e-invoicing, AP automation, and global compliance | $1.2B | 34 mo ago | Series G | — | Gert Sylvest Co-founder | WordPressApple iCloud MailGoogle Workspace+32 | — | 1 award |
| 3 | FBN 🦄 Network of services for farm management, supplies, and financial solutions 64Funding top 13%Moat top 26%Growth top 35%Talent top 38% All 10 signals ▾Fundingtop 13% Moattop 26% Growthtop 35% Talenttop 38% Producttop 41% Techtop 42% Markettop 48% Globalbottom 39% Customersbottom 33% Newsbottom 27% Funding: Raised $899M across 12 rounds · 12 rounds over 12 yrs (1.0/yr) Moat: Editorial + unicorn rating 8/10 · Unicorn rank vs industry peers · Fliar Intelligence Index 64/100 | $899M | 10 mo ago | Series G | 62 | Charles Baron Co-Founder | ContentfulSentryNode.js+22 | — | — |
| 4 | Upgrade 🦄 Provider of consumer credit and banking products 90Funding top 16%Growth top 17%Talent top 19%Customers top 20% All 10 signals ▾Fundingtop 16% Growthtop 17% Talenttop 19% Customerstop 20% Markettop 22% Producttop 24% Moattop 26% Innovationtop 39% Techtop 39% Globalbottom 46% Funding: Raised $600M across 6 rounds · 6 rounds over 9 yrs (0.7/yr) Growth: Headcount 250 → 602 (+141%) across vintages · Web rank 100,000 → 50,000 YoY rank vs industry peers · Fliar Intelligence Index 90/100 | $600M | 8 mo ago | Series G | 602 | Matt Wierman Co-Founder and EVP | Apple iCloud MailGoogle WorkspaceBootstrap+32 | — | 1 award |
| 5 | Figure 🦄 Blockchain-based platform for consumer loans 89Innovation top 15%Funding top 16%Tech top 16%Patents top 18% All 11 signals ▾Innovationtop 15% Fundingtop 16% Techtop 16% Patentstop 18% Moattop 25% Growthtop 26% Producttop 28% Markettop 34% Talenttop 38% Customersbottom 43% Globalbottom 39% Innovation: 81 patents (top 7% of patent-holders) · 78 filings since 2022 vs 2 in 2017-21 Funding: Raised $435M across 8 rounds · 8 rounds over 8 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 89/100 | $435M | 12 mo ago | Public | 463 463 → 623 (+35%) · sector median +119% | June Ou Co-Founder | DatoCMSApple iCloud MailGoogle Workspace+31 | 81 patents Advanced humanoid robot mechanical design, joints, wiring, and head/neck assemblies | 1 award |
| 6 | Unlock Provider of home loan services | $400M | 33 mo ago | Funding Raised | 95 | — | Amazon WebstoreWordPressApple iCloud Mail+41 | — | 1 expansion |
| 7 | Tala Provider of a platform offering credit and digital financial services | $350M | 14 mo ago | Series E | 738 | Shivani Siroya Founder & CEO | WordPressApple iCloud MailGoogle Workspace+26 | — | 2 partnerships · 1 award |
| 8 | Happy Money 🦄 Financial planning company offering personal loans | $340M | 29 mo ago | Series E | 395 395 → 399 (+1%) · sector median +119% | Matt Potere CEO | PrismicApple iCloud MailGoogle Workspace+39 | 7 patents Patents concentrated in computing, sensing & instrumentation | 1 partnership |
| 9 | Splitero Developer of an online platform for home equity loans | $318M | 20 mo ago | Series B | 31 | Michael Gifford Co-Founder & CEO | StoryblokApple iCloud MailGoogle Workspace+29 | — | 1 partnership · 1 award |
| 10 | Pipe 🦄 Online revenue-based financing marketplace for SaaS businesses 76Funding top 16%Moat top 19%Innovation top 32%Talent top 33% All 10 signals ▾Fundingtop 16% Moattop 19% Innovationtop 32% Talenttop 33% Techtop 34% Growthtop 35% Producttop 36% Newstop 41% Globaltop 45% Markettop 47% Funding: Raised $316M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) Moat: Editorial + unicorn rating 9/10 · Unicorn rank vs industry peers · Fliar Intelligence Index 76/100 | $316M | 5 mo ago | Series C | 70 | Josh Mangel Co-Founder | StoryblokApple iCloud MailGoogle Workspace+28 | — | — |
| 11 | Spotter 🦄 Provider of an online lending platform for content creators | $255M | 28 mo ago | Series D | 46 | Aaron De Bevoise Founder & CEO | — | 2 patents AI-driven generation and branching of video elements for interactive video synthesis | 1 partnership |
| 12 | Kiavi Online platform for residential and commercial mortgages | $241M | 27 mo ago | Series E | 389 | James Herbert Co-Founder | HubSpot CMS HubVideoJSBootstrap+25 | — | — |
| 13 | PayJoy Online platform for purchase financing 84Funding top 18%Tech top 18%Patents top 25%Moat top 28% All 10 signals ▾Fundingtop 18% Techtop 18% Patentstop 25% Moattop 28% Innovationtop 32% Producttop 32% Markettop 33% Globaltop 36% Growthtop 40% Newstop 49% Funding: Raised $204M across 12 rounds · 12 rounds over 11 yrs (1.1/yr) Tech: 77 technologies across 6/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 84/100 | $204M | 6 mo ago | Series C | 101 | — | WebflowZohoUbuntu+26 | 24 patents IoT-enabled remote access control and financing management for consumer appliances | — |
| 14 | Earnin Provider of a platform for accessing earned wages and financial tools 67Customers top 18%Funding top 21%Tech top 30%Moat top 31% All 10 signals ▾Customerstop 18% Fundingtop 21% Techtop 30% Moattop 31% Markettop 37% Producttop 40% Growthtop 50% Talentbottom 49% Newsbottom 46% Globalbottom 39% Customers: Play-Store rating 4.75★ across 294,082 ratings (1 apps) · Review volume +6% in 6 mo Funding: Raised $190M across 5 rounds · 5 rounds over 12 yrs (0.4/yr) rank vs industry peers · Fliar Intelligence Index 67/100 | $190M | 9 mo ago | Series C | 242 242 → 597 (+147%) · sector median +119% | Ram Palaniappan Founder & CEO | ContentfulApple iCloud MailGoogle Workspace+22 | — | 1 launch |
| 15 | Sunbit 🦄 Online platform for point of sale financing | $159M | 19 mo ago | Series D | 128 | Arad Levertov CEO (Co-Founder) | WordPressMySQLPHP+38 | 2 patents Integrating microloan financing directly into debit-card payment transactions | 1 partnership |
| 16 | Slope Provider of credit infrastructure and cash flow scoring for business lending | $127M | 23 mo ago | Series C | 21 21 → 41 (+95%) · sector median +119% | Lawrence Murata Co-Founder & CEO | Node.jsTailwind CSSReact+20 | — | 1 job opening · 2 partnerships |
| 17 | Nova Credit Provider of unified consumer credit data infrastructure and analytics platform 50Funding top 21%Moat top 31%News top 33%Tech top 41% All 9 signals ▾Fundingtop 21% Moattop 31% Newstop 33% Techtop 41% Producttop 41% Growthtop 43% Globalbottom 45% Marketbottom 43% Talentbottom 41% Funding: Raised $121M across 7 rounds · 7 rounds over 10 yrs (0.7/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 50/100 | $121M | 8 mo ago | Series D | 51 51 → 119 (+133%) · sector median +119% | Misha Esipov Co-Founder & CEO | ContentfulApple iCloud MailGoogle Workspace+22 | — | 1 partnership |
| 18 | Zest AI Provider of AI-enabled credit risk assessment platform 64AI top 20%Funding top 21%Moat top 26%Patents top 31% All 12 signals ▾AItop 20% Fundingtop 21% Moattop 26% Patentstop 31% Innovationtop 36% Producttop 41% Growthtop 43% Techtop 44% Marketbottom 45% Talentbottom 41% Globalbottom 40% Newsbottom 37% AI: Classified as an AI company Funding: Raised $119M across 10 rounds · 10 rounds over 15 yrs (0.7/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $119M | 7 mo ago | Series D | 108 108 → 234 (+117%) · sector median +119% | Mike Vere Chief Executive Officer | WordPressApple iCloud MailGoogle Workspace+39 | 216 patents Dental restorative composites, adhesives, and whitening formulations for oral care devices | — |
| 19 | Drip Capital Developer of an online marketplace platform for trade financing 62Tech top 24%Funding top 27%Moat top 31%Talent top 34% All 12 signals ▾Techtop 24% Fundingtop 27% Moattop 31% Talenttop 34% Newstop 35% Innovationtop 39% Producttop 39% Markettop 43% Globaltop 48% Fin. healthbottom 45% Growthbottom 40% Partnersbottom 35% Tech: 61 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $108M across 12 rounds · 12 rounds over 11 yrs (1.1/yr) rank vs industry peers · Fliar Intelligence Index 62/100 | $108M | 7 mo ago | Series C | 185 185 → 432 (+134%) · sector median +119% | Neil Kothari Co-Founder | Apple iCloud MailGoogle WorkspaceAmazon Web Services+27 | — | 1 partnership |
| 20 | PatientFi Provider of marketplace-based financing platform for healthcare solutions | $99M | 15 mo ago | Series C | 62 | Todd Watts CEO & Co-Founder | WordPressSentryZendesk+41 | — | 2 partnerships |
| 21 | Parafin Provider of cloud-based platform for revenue-based financing 48Funding top 20%Tech top 32%Moat top 35%Product top 36% All 10 signals ▾Fundingtop 20% Techtop 32% Moattop 35% Producttop 36% Talentbottom 49% Growthbottom 47% Innovationbottom 46% Marketbottom 43% Globalbottom 37% Newsbottom 21% Funding: Raised $94.0M across 6 rounds · 6 rounds over 5 yrs (1.2/yr) Tech: 39 technologies across 5/8 capability areas · Cloud: Amazon S3, Amazon Ses rank vs industry peers · Fliar Intelligence Index 48/100 | $94M | 1 mo ago | Series C | 83 | Sahill Poddar Co-Founder & CEO | WebflowApple iCloud MailGoogle Workspace+25 | — | 1 launch |
| 22 | Wisetack Provider of purchase financing solutions to consumers 62Funding top 23%Tech top 31%Moat top 31%Growth top 35% All 8 signals ▾Fundingtop 23% Techtop 31% Moattop 31% Growthtop 35% Talenttop 38% Marketbottom 45% Globalbottom 32% Newsbottom 18% Funding: Raised $91.2M across 5 rounds · 5 rounds over 7 yrs (0.7/yr) Tech: 41 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 62/100 | $91M | 8 mo ago | Series B | 119 119 → 134 (+13%) · sector median +119% | Bobby Tzekin Co-Founder & CEO | WebflowApple iCloud MailGoogle Workspace+29 | — | 1 partnership |
| 23 | Candex Online platform for invoice financing 64Funding top 21%Product top 25%Innovation top 34%Growth top 35% All 9 signals ▾Fundingtop 21% Producttop 25% Innovationtop 34% Growthtop 35% Newstop 36% Moattop 39% Globaltop 49% Marketbottom 48% Techbottom 47% Funding: Raised $85.0M across 6 rounds · 6 rounds over 8 yrs (0.8/yr) Product: 4 distinct product lines · Company stage: Series C rank vs industry peers · Fliar Intelligence Index 64/100 | $85M | 3 mo ago | Series C | 102 | — | Proton MailGoogle WorkspaceZoho+16 | — | 1 expansion · 2 awards |
| 24 | Dakota Financial Provider of funding solutions for businesses with challenged credit profiles 45Growth top 28%Funding top 33%Tech bottom 49%Market bottom 33% All 5 signals ▾Growthtop 28% Fundingtop 33% Techbottom 49% Marketbottom 33% Globalbottom 29% Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo Funding: Raised $77.0M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 45/100 | $77M | 1 mo ago | Funding Raised | 40 | — | WordPressMySQLPHP+22 | — | — |
| 25 | Polly Provider of a capital markets platform for the mortgage industry | $77M | 21 mo ago | Series B | 102 | Adam Carmel Founder & CEO | SalesforceTailwind CSSReact+20 | 6 patents Loan trading exchange platforms and multimedia search/visual similarity technologies | — |
| 26 | Rain Provider of a platform offering payday loans | $66M | 14 mo ago | Series B | 86 | Gilberto Garcia Co-Founder / CTO / CAO | WebflowMarkerZendesk+26 | — | — |
| 27 | WithClutch Online lending marketplace for refinancing car loans 53Funding top 30%Growth top 35%Tech top 35%Moat top 42% All 7 signals ▾Fundingtop 30% Growthtop 35% Techtop 35% Moattop 42% Talentbottom 49% Marketbottom 39% Globalbottom 36% Funding: Raised $65.0M across 1 rounds · 1 rounds over 4 yrs (0.2/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 53/100 | $65M | 16 mo ago | Series B | 81 | Nicholas Hinrichsen CEO / Co-Founder | WordPressApple iCloud MailGoogle Workspace+27 | — | — |
| 28 | Credit Key Developer of an online marketplace for point-of-sale financing 57Tech top 23%Funding top 27%Moat top 31%Innovation top 33% All 11 signals ▾Techtop 23% Fundingtop 27% Moattop 31% Innovationtop 33% Growthtop 35% Producttop 36% Newstop 42% Talentbottom 49% Marketbottom 38% Globalbottom 36% Customersbottom 1% Tech: 53 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $52.9M across 5 rounds · 5 rounds over 8 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 57/100 | $53M | 4 mo ago | Series B | 58 | John Tomich CEO and Co-Founder | Webflow EcommerceWebflowApple iCloud Mail+38 | — | — |
| 29 | Savvymoneycom Financial wellness platform empowering institutions to drive growth and strengthen relationships 69Growth top 25%Funding top 26%Tech top 30%Product top 32% All 10 signals ▾Growthtop 25% Fundingtop 26% Techtop 30% Producttop 32% Moattop 36% Innovationtop 39% Newstop 45% Markettop 50% Talentbottom 49% Globalbottom 37% Growth: Headcount 36 → 74 (+106%) across vintages · 2 acquisition/expansion moves in 24 mo Funding: Raised $47.0M across 3 rounds · 3 rounds over 16 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 69/100 | $47M | 7 mo ago | Series F | 74 74 → 181 (+145%) · sector median +119% | Jb Orecchia President and CEO | WordPressApple iCloud MailGoogle Workspace+35 | — | 1 award |
| 30 | The Fundworks Small business financing provider | $41M | 13 mo ago | Funding Raised | 55 | — | WordPressZohoMySQL+26 | — | — |
| 31 | The Change Company Provider of diversified SME loans | $40M | 23 mo ago | Seed | 54 | — | WebflowMatomo AnalyticsLinkedin Insight Tag+14 | 36 patents Automated beverage formulation, carbonation, and fluid handling systems for packaging and dispensing | — |
| 32 | Tapcheck Online platform offering employee on-demand pay benefits | $38M | 14 mo ago | Series A | 50 | Ron Gaver Co-Founder & CEO | WebflowApple iCloud MailMicrosoft 365+27 | — | 1 partnership · 1 award |
| 33 | Vesta Developer of a data-centric, rules-driven, and extensible mortgage infrastructure platform 42Funding top 30%Growth top 35%Moat top 47%Tech top 50% All 9 signals ▾Fundingtop 30% Growthtop 35% Moattop 47% Techtop 50% Patentsbottom 49% Talentbottom 49% Innovationbottom 43% Marketbottom 37% Globalbottom 36% Funding: Raised $35.0M across 2 rounds · 2 rounds over 6 yrs (0.3/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 42/100 | $35M | 9 mo ago | Series A | 44 | Mike Yu cofounder | WebflowApple iCloud MailGoogle Workspace+20 | 26 patents Emergency communications routing and network management for public safety services | — |
| 34 | Balance Homes Online marketplace offering refinancing residential mortgage loans 40Funding top 28%Growth top 28%Tech top 42%Global bottom 32% All 5 signals ▾Fundingtop 28% Growthtop 28% Techtop 42% Globalbottom 32% Marketbottom 21% Funding: Raised $30.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Growth: Web rank 50,000,000 → 10,000,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 40/100 | $30M | 4 mo ago | Acquired | 21 21 → 13 (-38%) · sector median +119% | — | TurbopackEmotionNode.js+15 | — | — |
| 35 | Centrifuge Provider of the decentralized platform to connect the financial supply chain 55Talent top 15%Funding top 32%Tech top 34%Growth top 35% All 7 signals ▾Talenttop 15% Fundingtop 32% Techtop 34% Growthtop 35% Moattop 39% Globalbottom 47% Marketbottom 25% Talent: Analyst team rating 5/5 Funding: Raised $27.1M across 4 rounds · 4 rounds over 8 yrs (0.5/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $27M | 1 mo ago | Series A | 10 | — | WebflowMicrosoft AdvertisingCloudflare Turnstile+16 | — | 2 launchs · 2 partnerships |
| 36 | Vontive Online marketplace for mortgage loans | $25M | 12 mo ago | Series B | 55 | Shreyas Vijaykumar Co-Founder | — | — | — |
| 37 | MeetAva Online platform for credit builder loans | $15M | 7 mo ago | Seed | 7 | Omar Sinno CEO | Webflow EcommerceWebflowApple iCloud Mail+21 | — | — |
| 38 | Inclined Provider of a refinancing solution for policy loans | $15M | 12 mo ago | Series B | 16 16 → 38 (+138%) · sector median +119% | Cfp Graham Gerlach Aep Co-Founder & CRO | HubSpot CMS HubSentryApple iCloud Mail+24 | — | 1 launch · 1 award |
| 39 | Tuition.io Provider of student loan repayment and tuition assistance benefits 55Funding top 33%Tech top 34%Growth top 35%Talent bottom 49% All 7 signals ▾Fundingtop 33% Techtop 34% Growthtop 35% Talentbottom 49% Marketbottom 44% Moatbottom 38% Globalbottom 36% Funding: Raised $14.3M across 5 rounds · 5 rounds over 14 yrs (0.4/yr) Tech: 42 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 55/100 | $14M | 14 mo ago | Series B | 55 | Scott Thompson CEO | HubSpot CMS HubMaterial Design LiteZURB Foundation+20 | — | 1 launch · 3 partnerships |
| 40 | Pontoro Provider of an online platform for trading loan portfolios 32Funding top 31%Moat top 31%Patents top 37%Innovation top 38% All 9 signals ▾Fundingtop 31% Moattop 31% Patentstop 37% Innovationtop 38% Talentbottom 49% Globalbottom 40% Techbottom 30% Marketbottom 28% Newsbottom 22% Funding: Raised $13.8M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) Moat: Editorial + unicorn rating 7/10 · IP moat: 16 patents rank vs industry peers · Fliar Intelligence Index 32/100 | $14M | 5 mo ago | Series A | 15 | Bob Dewing Co-Founder | — | 16 patents Blockchain-based tokenization and automated liquidity pool infrastructure for digital assets. | — |
| 41 | Ratio Technologies Provider of payment solutions to financial institutions | $11M | 2 mo ago | Series B | 9 | Mason Blake Co-Founder | WebflowAmazon Web Serviceslit-html+22 | — | — |
| 42 | Spinwheel Debt repayment & management soltuions for students | $11M | 9 mo ago | Series A | 21 | Tushar Vaish Co-Founder & CTO | WordPressMySQLPHP+28 | — | 1 job opening |
| 43 | Karus AI-based credit assessment software | $8M | 6 mo ago | Series A | 8 | Aaron Travis CEO Co-Founder Karus Inc. | — | — | — |
| 44 | Cardiff Online lending solution for small business loans | $6M | 6 mo ago | Funding Raised | 19 | — | — | — | — |
| 45 | Union Credit Provider of an embedded lending marketplace | $5M | 2 mo ago | Seed | 26 | Dave Buerger Co-Founder & CEO | WordPressMySQLPHP+29 | 31 patents Online banking platforms with graphical user interfaces for financial transaction processing | 2 launchs · 3 partnerships |
| 46 | Low Rate Provider of online platform facilitating mortgage loan applications and approvals | $4M | 2 mo ago | Series A | — | Morgan Anderson CEO | Node.jsReactNext.js App Router+9 | — | — |
| 47 | Kaaj.ai AI-powered platform streamlines small business lending | $4M | 6 mo ago | Seed | — | Shivi Sharma Co-Founder & President | — | — | 1 job opening · 1 launch |
| 48 | Ascent Online platform for education loans | $3M | 3 mo ago | Series C | 105 | Ken Ruggiero Co-Founder & CEO | WordPressApple iCloud MailMicrosoft 365+30 | 71 patents Design and integration of HVAC ventilation components and ultrasonic transducer technologies | — |
| 49 | Dwilar Provider of AI-driven global credit evaluation for individuals and investors | $2M | 5 mo ago | Seed | — | Harry Mapodile Co-Founder | — | — | — |
| 50 | Origence Provider of loan origination, marketing, and CRM solution | $1M | 6 mo ago | Seed | 184 | Tony Boutelle CEO & President | WordPressSentryMySQL+44 | — | — |
Top 12 Alternative Lending companies in California
#1
Series C · San Francisco, California · founded 2020 · 83 employees$94Mraised▾
Series C · San Francisco, California · founded 2020 · 83 employees
Provider of cloud-based platform for revenue-based financing. It features a platform for connecting buyers and sellers for growth capital financing. Provides tools for retaining sellers, tracking revenue streams, APIs for underwriting, financial and regulatory risks, and payment processing for users.
Fliar Intelligence Index™ 48how this company ranks against its industry peers
Funding
top 20%Tech
top 32%Moat
top 35%Product
top 36%Talent
bottom 49%Growth
bottom 47%Funding: Raised $94.0M across 6 rounds · 6 rounds over 5 yrs (1.2/yr) · Last round Conventional Debt (May 2026)
Tech: 39 technologies across 5/8 capability areas · Cloud: Amazon S3, Amazon Ses · Observability: Fullstory, Sentry
Moat: Editorial + unicorn rating 7/10 · 3 curated direct competitors tracked
Audience (LinkedIn): 11k LinkedIn followers
Activity (LinkedIn): 1 product launches announced in 12 mo
Funding rounds
- May 2026Conventional Debt—
- Dec 2024Series C$100M
- Aug 2024Conventional Debt$93M
- Apr 2024Conventional Debt$125M
Founders & team
Investors
Atalaya Capital Management, Jefferies, GIC, Thrive Capital, Ribbit Capital, Trinity Capital
Tech stack
Amazon S3Amazon SesAmazon Web ServicesApple Icloud MailAtlassian StatuspageCloudflare
#2
Pipe 🦄Series C · Los Angeles, California · founded 2019 · 70 employees$316Mraised▾
Pipe 🦄
Series C · Los Angeles, California · founded 2019 · 70 employees
Online revenue-based financing marketplace for SaaS businesses. It offers a solution that connects businesses with investors for revenue-based financing. Businesses can integrate the accounting and ERP systems to the platform using APIs. The loan amount is based on the business data obtained from the system. It features integrations with existing payment tools and automated monthly statements.
Fliar Intelligence Index™ 76how this company ranks against its industry peers
Funding
top 16%Moat
top 19%Innovation
top 32%Talent
top 33%Tech
top 34%Growth
top 35%Funding: Raised $316M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) · Last round Series C (Jan 2026)
Moat: Editorial + unicorn rating 9/10 · Unicorn · 1 curated direct competitors tracked
Innovation: 4 new-product events in 24 mo
Audience (LinkedIn): 38k LinkedIn followers — 2.3% of this cohort's audience
Funding rounds
- Jan 2026Series C$16M
- Jun 2024Venture Debt$100M
- Sep 2022Conventional Debt$7.1M
- Aug 2021Series C—
Founders & team
Investors
Craft Ventures, Fika Ventures, MaC Venture Capital, Worklife, Liquid 2 Ventures, Weekend Fund
Tech stack
Apple Icloud MailChakra UiCloudflareCloudflare Bot ManagementCookiebotCore-Js
#3
Upgrade 🦄Series G · San Francisco, California · founded 2016 · 602 employees$600Mraised▾
Upgrade 🦄
Series G · San Francisco, California · founded 2016 · 602 employees
Provider of consumer credit and banking products. It provides users with a financial technology company offering diverse credit and banking products. The company provides personal loans, credit cards, and rewards checking and savings accounts designed to assist individuals in managing their finances. Their offerings aim to provide accessible credit solutions, competitive rates, and rewards for everyday spending. They also include tools for credit monitoring and education to help individuals understand and improve their credit health.
Fliar Intelligence Index™ 90how this company ranks against its industry peers
Funding
top 16%Growth
top 17%Talent
top 19%Customers
top 20%Market
top 22%Product
top 24%Funding: Raised $600M across 6 rounds · 6 rounds over 9 yrs (0.7/yr) · Last round Series G (Oct 2025)
Growth: Headcount 250 → 602 (+141%) across vintages · Web rank 100,000 → 50,000 YoY · Fresh capital in last 24 mo
Talent: Analyst team rating 5/5 · 5 named leaders on record · 5 C-suite/founder profiles curated
Audience (LinkedIn): 74k LinkedIn followers — 4.4% of this cohort's audience
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Oct 2025Series G$165M
- Nov 2021Series F$280M
- Aug 2021Series E$105M
- Jun 2020Series D$40M
Founders & team
Investors
Union Square Ventures, Ribbit Capital, Vy Capital, SVB, CreditEase, Noah Holdings
Tech stack
AkamaiAkamai Bot ManagerAmazon Web ServicesApple Icloud MailBootstrapCloudflare
#4
Funding Raised · Los Angeles, California · founded 2002 · 40 employees$77Mraised▾
Funding Raised · Los Angeles, California · founded 2002 · 40 employees
Provider of funding solutions for businesses with challenged credit profiles. It delivers funding programs designed for customers with prior bankruptcies, tax liens, judgments, repossessions, or slow payments. Financing is based on collateral, and it offers approvals, leases, and equipment financing agreements. The company provides documentation and aims to work through business challenges.
Fliar Intelligence Index™ 45how this company ranks against its industry peers
Growth
top 28%Funding
top 33%Tech
bottom 49%Market
bottom 33%Global
bottom 29%Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo
Funding: Raised $77.0M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) · Last round Conventional Debt (Apr 2026)
Tech: 35 technologies across 3/8 capability areas · Cloud: Azure, Cloudflare · Security: Hsts, Sectigo
Audience (LinkedIn): 2k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Experienced Bilingual Collections Specialist (Spanish/English)
Funding rounds
- Apr 2026Conventional Debt$20M
- May 2024Conventional Debt$27M
- Sep 2021Conventional Debt$30M
- May 2021PE—
Investors
Atalaya Capital Management
Tech stack
Apache Http ServerAstraAzureAzure MonitorBootstrapBootstrap Icons
#5
Series C · San Francisco, California · founded 2011 · 102 employees$85Mraised▾
Series C · San Francisco, California · founded 2011 · 102 employees
Online platform for invoice financing. It purchases the invoice of the business in order to lend the funds. It manages payments between companies and vendors. It also offers solutions for employee management and expense visibility for decision-making. It offers solutions to operate subsidiaries and invoices locally in each market where the payments are being made.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Funding
top 21%Product
top 25%Innovation
top 34%Growth
top 35%News
top 36%Moat
top 39%Funding: Raised $85.0M across 6 rounds · 6 rounds over 8 yrs (0.8/yr) · Last round Series C (Mar 2026)
Product: 4 distinct product lines · Company stage: Series C
Innovation: 4 product lines
Audience (LinkedIn): 14k LinkedIn followers
Activity (LinkedIn): 2 awards · 1 expansions announced in 12 mo
Funding rounds
- Mar 2026Series C$7M
- Jul 2025Series C$33M
- Dec 2023Series B$45M
- Nov 2022Series A$12M
Investors
Altos Ventures Management, NFX, American Express, J P Morgan, Edenred Capital, Commerce Ventures
Tech stack
AccessibeAmazon SesAmazon Web ServicesCloudflareCloudflare Bot ManagementCore-Js
#6
FBN 🦄Series G · San Carlos, California · founded 2014 · 62 employees$898.8Mraised▾
FBN 🦄
Series G · San Carlos, California · founded 2014 · 62 employees
Network of services for farm management, supplies, and financial solutions. The platform provides access to agricultural inputs, financing options, and marketing programs. It connects farmers to grain buyers and offers data-driven insights. The network facilitates community engagement through online forums and events.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Funding
top 13%Moat
top 26%Growth
top 35%Talent
top 38%Product
top 41%Tech
top 42%Funding: Raised $899M across 12 rounds · 12 rounds over 12 yrs (1.0/yr) · Last round Series G (Jul 2025)
Moat: Editorial + unicorn rating 8/10 · Unicorn · 9 curated direct competitors tracked
Growth: Fresh capital in last 24 mo
Audience (LinkedIn): 65k LinkedIn followers — 3.9% of this cohort's audience
Funding rounds
- Jul 2025Series G$50M
- May 2025Series G$29M
- Oct 2023Series G$154.9M
- Nov 2021Series G$300M
Founders & team
Investors
ADM, Fidelity Investments, Google Ventures, BlackRock, T. Rowe Price, Colle Capital
Tech stack
Amazon CloudfrontAmazon Web ServicesContentfulCore-JsDreamdataEmotion
#7
Series C · San Francisco, California · founded 2015 · 101 employees$203.6Mraised▾
Series C · San Francisco, California · founded 2015 · 101 employees
PayJoy provides an online platform for purchase financing. It facilitates finance for consumer electronics, changing an up-front purchase into a monthly installment plan. This applies to everything from televisions and smartphones to microwaves and air conditioners. Customers register for PayJoy at a local merchant with their Facebook account, phone number, and government-issued I.D.
Fliar Intelligence Index™ 84how this company ranks against its industry peers
Funding
top 18%Tech
top 18%Patents
top 25%Moat
top 28%Innovation
top 32%Product
top 32%Funding: Raised $204M across 12 rounds · 12 rounds over 11 yrs (1.1/yr) · Last round Conventional Debt (Dec 2025)
Tech: 77 technologies across 6/8 capability areas · Cloud: Amazon Alb, Amazon Web Services · Devops: Nginx
Patents: 24 patents matched (strict assignee match) · 15 filings since 2022 vs 7 in 2017-21 · Latest publication 2024
Audience (LinkedIn): 62k LinkedIn followers — 3.7% of this cohort's audience · 159 engagements/post (5.5× cohort median)
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Dec 2025Conventional Debt$140M
- Sep 2023Conventional Debt$210M
- Jul 2023Series C$150M
- May 2023Series B$14.8M
Investors
Citi, Union Square Ventures, Fenway Summer Ventures, Core Innovation Capital, DNX Ventures, Orange Ventures
Tech stack
Amazon AlbAmazon Web ServicesBigcommerceBootstrapCart FunctionalityCdnjs
#8
Series A · San Francisco, California · founded 2017 · 10 employees$27.1Mraised▾
Series A · San Francisco, California · founded 2017 · 10 employees
Provider of the decentralized platform to connect the financial supply chain. It allows businesses to transact on a network while maintaining ownership of their data, including validated company details, business relationships, and transactions. It also enables businesses to exchange financial documents such as invoices, purchase orders, and company data.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Talent
top 15%Funding
top 32%Tech
top 34%Growth
top 35%Moat
top 39%Global
bottom 47%Talent: Analyst team rating 5/5
Funding: Raised $27.1M across 4 rounds · 4 rounds over 8 yrs (0.5/yr) · Last round Series A (May 2026)
Tech: 41 technologies across 5/8 capability areas · Cloud: Cloudflare, Google Cloud · Devops: Nginx
Audience (LinkedIn): 14k LinkedIn followers
Activity (LinkedIn): 2 product launches · 2 partnerships (incl. Centrifuge) announced in 12 mo
Funding rounds
- May 2026Series A—
- Apr 2024Series A$15M
- Nov 2023Series A—
- Nov 2022Series A$4M
Investors
IOSG Ventures, FinTech Collective, Fenbushi Capital, HASH CIB, TRG Capital, Galaxy
Tech stack
AlgoliaCloudflareCloudflare Bot ManagementCloudflare Rocket LoaderDiscourseDocusaurus
#9
Series D · Burbank, California · founded 2009 · 108 employees$119Mraised▾
Series D · Burbank, California · founded 2009 · 108 employees
Provider of AI-enabled credit risk assessment platform. It provides users with a loan life cycle management suite for banks and financial institutions. Its services include data processing, automated documentation and compliance validation, deployment and integration, and more. It identifies borrowers' and lenders' credit risk through assessments and automated decisions.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
AI
top 20%Funding
top 21%Moat
top 26%Patents
top 31%Innovation
top 36%Product
top 41%AI: Classified as an AI company
Funding: Raised $119M across 10 rounds · 10 rounds over 15 yrs (0.7/yr) · Last round Series D (Nov 2025)
Moat: Editorial + unicorn rating 8/10 · IP moat: 216 patents · Soonicorn
Audience (LinkedIn): 127k LinkedIn followers — 7.5% of this cohort's audience
Funding rounds
- Nov 2025Series D—
- Dec 2024Series D$200M
- May 2024Series D—
- Nov 2022Series C$50M
Founders & team
Investors
Baidu, Thiel Capital, Northgate Capital, Lightspeed Venture Partners, Kensington Capital Holdings, Eastward Capital Partners
Tech stack
Amazon SesAmazon Web ServicesAosApple Icloud MailBootstrapCdnjs
#10
Series B · Los Angeles, California · founded 2015 · 58 employees$52.9Mraised▾
Series B · Los Angeles, California · founded 2015 · 58 employees
Developer of an online marketplace for point-of-sale financing. It enables customers to make installment payments for a product at partnered stores. It also provides solutions to merchants for accepting installment payments.
Fliar Intelligence Index™ 57how this company ranks against its industry peers
Tech
top 23%Funding
top 27%Moat
top 31%Innovation
top 33%Growth
top 35%Product
top 36%Tech: 53 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Devops: Nginx
Funding: Raised $52.9M across 5 rounds · 5 rounds over 8 yrs (0.6/yr) · Last round Conventional Debt (Jan 2026)
Moat: Editorial + unicorn rating 8/10 · Soonicorn · 10 curated direct competitors tracked
Audience (LinkedIn): 9k LinkedIn followers
Funding rounds
- Jan 2026Conventional Debt$90M
- Oct 2022Series B$15M
- Oct 2022Conventional Debt$100M
- Nov 2020Series B$33.9M
Founders & team
Investors
Fortress, RedBird Capital Partners, Bonfire Ventures, Greycroft, Loeb.nyc, Barings
Tech stack
6SenseAdrollAdroll Cmp SystemAmazon CloudfrontAmazon S3Amazon Web Services
#11
Series C · Palo Alto, California · founded 2015 · 185 employees$108.1Mraised▾
Series C · Palo Alto, California · founded 2015 · 185 employees
Developer of an online marketplace platform for trade financing. It provides users with a platform that offers loans such as working capital, invoice financing, export financing, shipment financing, and more. It offers loans on the basis of credit assessments, product cost, invoice amount, loan terms, and more. It also provides tools for tracking future invoices and payments.
Fliar Intelligence Index™ 62how this company ranks against its industry peers
Tech
top 24%Funding
top 27%Moat
top 31%Talent
top 34%News
top 35%Innovation
top 39%Tech: 61 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Devops: Nginx
Funding: Raised $108M across 12 rounds · 12 rounds over 11 yrs (1.1/yr) · Last round Conventional Debt (Oct 2025)
Moat: Editorial + unicorn rating 8/10 · Soonicorn · 9 curated direct competitors tracked
Audience (LinkedIn): 100k LinkedIn followers — 5.9% of this cohort's audience
Activity (LinkedIn): 1 partnerships (incl. Drip Capital) announced in 12 mo
Funding rounds
- Oct 2025Conventional Debt$50M
- Sep 2024Conventional Debt$90M
- Sep 2024Series C$23M
- Oct 2023Conventional Debt$40M
Founders & team
Investors
Accel, Wing Venture Capital, Y Combinator, Trusted Insight, GCI Ventures, Peak XV Partners
Tech stack
AlbacrossAmazon CloudfrontAmazon S3Amazon Web ServicesAosApple Icloud Mail
#12
Series C · Palo Alto, California · founded 2012 · 242 employees$190.1Mraised▾
Series C · Palo Alto, California · founded 2012 · 242 employees
Provider of a platform for accessing earned wages and financial tools. The platform offers tools for accessing earned wages before payday. It also provides features for balance alerts, credit monitoring, and savings options. The platform aims to help users manage their finances.
Fliar Intelligence Index™ 67how this company ranks against its industry peers
Customers
top 18%Funding
top 21%Tech
top 30%Moat
top 31%Market
top 37%Product
top 40%Customers: Play-Store rating 4.75★ across 294,082 ratings (1 apps) · Review volume +6% in 6 mo · Marquee-customer mentions: top 30% of tracked companies
Funding: Raised $190M across 5 rounds · 5 rounds over 12 yrs (0.4/yr) · Last round Conventional Debt (Sep 2025)
Tech: 37 technologies across 6/8 capability areas · Cloud: Amazon Web Services, Cloudflare · Devops: Envoy, Nginx
Audience (LinkedIn): 204k LinkedIn followers — 12.1% of this cohort's audience · 46 engagements/post (1.6× cohort median)
Activity (LinkedIn): 1 product launches announced in 12 mo
Funding rounds
- Sep 2025Conventional Debt$150M
- Dec 2018Series C$125M
- Sep 2017Series B$39M
- Jan 2017Series A$22M
Founders & team
Investors
Ribbit Capital, Felicis Ventures, Andreessen Horowitz, March Capital, Matrix, DST Global
Tech stack
Alpine.JsAmazon Web ServicesApple Icloud MailCloudflareCloudflare Bot ManagementCore-Js
Funding & investor landscape
$25.1Btotal disclosed funding
269companies funded
934disclosed rounds
6rounds last 90 days
Most active investors
Techstars11 rounds
Notable founders
Sahill Poddar
Co-Founder & CEO · Parafin
Josh Mangel
Co-Founder · Pipe
Zain Allarakhia
Co-Founder & CTO · Pipe
Matt Wierman
Co-Founder and EVP · Upgrade
Adelina Grozdanova
Co-Founder · Upgrade
Charles Baron
Co-Founder · FBN
Diego Casanello
CEO · FBN
Mike Vere
Chief Executive Officer · Zest AI
John Tomich
CEO and Co-Founder · Credit Key
Neil Kothari
Co-Founder · Drip Capital
Pushkar Mukewar
Co-Founder & CEO · Drip Capital
Ram Palaniappan
Founder & CEO · Earnin
Prism market signals · United States · country-scoped Prism corpus, 12,321,951 docs
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
How many Alternative Lending companies are there in California, United States?
Radar tracks 637 indexable Alternative Lending companies headquartered in California, United States that meet our profile-completeness bar.
What is the total funding raised by Alternative Lending companies in California, United States?
The Alternative Lending companies in California, United States on this list have raised a combined $25.1B in disclosed equity funding across 269 funded companies.
Which is the highest-funded Alternative Lending company in California, United States?
SoFi is the highest-funded Alternative Lending company in California, United States, with $3B in disclosed equity funding.
How many Alternative Lending companies in California, United States are funded?
269 of the 637 Alternative Lending companies in California, United States on this list have disclosed at least one equity funding round.
How many Alternative Lending unicorns are there in California, United States?
11 Alternative Lending companies in California, United States on this list are valued at $1B or more.
Who are the top investors in California, United States Alternative Lending companies?
The most active investors in California, United States Alternative Lending companies on this list include Y Combinator, 500 Global, SVB, FJ Labs, Core Innovation Capital.
Rohit KhannaTrends & Stories
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.