212 indexable Alternative Lending companies headquartered in San Francisco, United States, ranked by total equity funding and recent funding momentum. Combined disclosed equity funding of $15.2B across 116 funded companies, including 6 unicorns.
| # | Company | Funding | Valuation | Stage | Latest round | Employees | Founded | Momentum |
|---|---|---|---|---|---|---|---|---|
| 1 |
Parafin
Provider of cloud-based platform for revenue-based financing |
$94M | — | Series C | Conventional Debt May 2026 | 83 | 2020 | ↑ Active |
| 2 |
Upgrade
Unicorn Provider of consumer credit and banking products |
$600M | $6B as of 2021 |
Series G | Series G Oct 2025 | 602 | 2016 | ↑ Active |
| 3 |
Candex
Online platform for invoice financing |
$85M | — | Series C | Series C Mar 2026 | 102 | 2011 | ↑ Active |
| 4 |
PayJoy
Online platform for purchase financing |
$203.6M | — | Series C | Conventional Debt Dec 2025 | 101 | 2015 | ↑ Active |
| 5 |
Centrifuge
Provider of the decentralized platform to connect the financial supply chain |
$27.1M | — | Series A | Series A May 2026 | 10 | 2017 | ↑ Active |
| 6 |
Nova Credit
Provider of unified consumer credit data infrastructure and analytics platform |
$121.2M | — | Series D | Series D Oct 2025 | 51 | 2016 | ↑ Active |
| 7 |
Figure
Unicorn Blockchain-based platform for consumer loans |
$435.2M | $3.2B as of 2021 |
Public | Conventional Debt May 2025 | 463 | 2018 | ↑ Active |
| 8 |
Wisetack
Provider of purchase financing solutions to consumers |
$91.2M | — | Series B | Series B Sep 2025 | 119 | 2018 | ↑ Active |
| 9 |
Balance Homes
Online marketplace offering refinancing residential mortgage loans |
$30M | — | Acquired | Series B Jan 2026 | 21 | 2021 | ↑ Active |
| 10 |
Vesta
Developer of a data-centric, rules-driven, and extensible mortgage infrastructure platform |
$35M | — | Series A | Series A Sep 2025 | 44 | 2020 | ↑ Active |
| 11 |
SoFi
Online bank offering consumer loans and insurances |
$3B | — | Public | Post IPO Feb 2024 | 3,066 | 2011 | — |
| 12 |
Karus
AI-based credit assessment software |
$8M | — | Series A | Series A Dec 2025 | 8 | 2020 | ↑ Active |
| 13 |
Spinwheel
Debt repayment & management soltuions for students |
$11M | — | Series A | Series A Sep 2025 | 21 | 2017 | ↑ Active |
| 14 |
Vontive
Online marketplace for mortgage loans |
$25M | — | Series B | Series B May 2025 | 55 | 2017 | ↑ Active |
| 15 |
Slope
Provider of credit infrastructure and cash flow scoring for business lending |
$127.1M | — | Series C | Conventional Debt Jul 2024 | 21 | 2021 | ↑ Active |
| 16 |
Kaaj.ai
AI-powered platform streamlines small business lending |
$3.8M | — | Seed | Seed Nov 2025 | — | 2024 | ↑ Active |
| 17 |
Tradeshift
Unicorn Provider of cloud platform for e-invoicing, AP automation, and global compliance |
$1.2B | $2.7B as of 2021 |
Series G | Series G Aug 2023 | — | 2010 | — |
| 18 |
Polly
Provider of a capital markets platform for the mortgage industry |
$77M | — | Series B | Series B Sep 2024 | 102 | 2019 | ↑ Active |
| 19 |
Kiavi
Online platform for residential and commercial mortgages |
$241.3M | — | Series E | Conventional Debt Mar 2024 | 389 | 2013 | — |
| 20 |
Unlock
Provider of home loan services |
$400M | — | Funding Raised | Conventional Debt Sep 2023 | 95 | 2019 | — |
| 21 |
Prosper
P2P Lending Marketplace |
$489.3M | $550M as of 2017 |
Series G | Conventional Debt Nov 2022 | 360 | 2005 | — |
| 22 |
Divvy
Unicorn Online platform for rent-to-buy solutions for residential properties |
$1.2B | $2B as of 2021 |
Series D | Series D Aug 2021 | 71 | 2017 | — |
| 23 |
Fundbox
Unicorn AI-based platform for business loans |
$733.5M | $1.1B as of 2021 |
Series D | Series D Nov 2021 | 78 | 2013 | — |
| 24 |
Affirm
Provider of point of sale financing solutions for consumers and merchants |
$1.2B | — | Public | Series G Sep 2020 | 2,171 | 2012 | — |
| 25 |
Credit Karma
Unicorn Credit score checking and comparison platform for financial products |
$869.8M | $3.5B as of 2015 |
Acquired | Series E Mar 2018 | 1,346 | 2007 | — |
| 26 |
Tally
Online platform offering personal loans, banking, and debt management solutions |
$172M | — | Series D | Series D Oct 2022 | 94 | 2015 | — |
| 27 |
Square
Provider of integrated point of sale and business management solutions |
$519.7M | — | Public | Post IPO Mar 2020 | 9,358 | 2009 | — |
| 28 |
Empower
Financial technology empowering potential with cash advances, credit lines, and credit cards |
$174.5M | — | Series B | Conventional Debt Sep 2022 | 35 | 2016 | — |
| 29 |
Sytrex
AI-powered platform provides solutions to lenders |
$1.1M | — | Seed | Seed Feb 2025 | — | 2024 | ↑ Active |
| 30 |
Bright
Provider of financial technology solutions for debt reduction and credit building |
$43M | — | Series B | Series B Sep 2023 | 51 | 2019 | — |
| 31 |
Unison
Co-investment for buying a residential property |
$255.6M | — | Series C | Series C Jun 2021 | 40 | 2004 | — |
| 32 |
Taulia
AI-based electronic invoicing and supply chain management solution for businesses |
$220.5M | — | Acquired | Conventional Debt Mar 2021 | 185 | 2009 | — |
| 33 |
AutoFi
Cloud-driven loan lifecycle management solution for automobile financing |
$127.1M | $700M as of 2022 |
Series B | Series B Mar 2022 | 150 | 2015 | — |
| 34 |
Vartana
Provider of SaaS-based POS software solutions for businesses |
$39M | — | Acquired | Series B May 2023 | — | 2020 | — |
| 35 |
SmartBiz Loans
Alternative lending platform that provides SBA loans for businesses. |
$490K | — | Seed | Seed Mar 2025 | 344 | 2013 | ↑ Active |
| 36 |
Clerkie
Platform for loan servicing and credit score building through debt management |
$35M | — | Series A | Series A Apr 2023 | 26 | 2017 | — |
| 37 |
LendUp
Online marketplace for payday loans |
$211.5M | — | Series C | Series C Jan 2019 | 45 | 2012 | — |
| 38 |
EarnUp
Online debt repayment platform for consumers |
$59.2M | — | Acquired | Series C Mar 2022 | 36 | 2014 | — |
| 39 |
Mos
Online discovery platform provider for college financial aid |
$84M | $400M as of 2022 |
Series B | Series B Feb 2022 | 60 | 2017 | — |
| 40 |
Lending Club
P2P marketplace for consumer and business loans |
$219.3M | — | Public | Post IPO Oct 2016 | 1,194 | 2006 | — |
| 41 |
Noah
Online platform for residential mortgage loans |
$155M | — | Series B | Series B Apr 2020 | 17 | 2016 | — |
| 42 |
NerdWallet
App-based comparison platform for financial products |
$123.3M | — | Public | Series B Dec 2020 | 730 | 2009 | — |
| 43 |
Resolve Corp
Provider of B2B net terms financing and accounts receivable automation |
$85M | — | Series C | Series C Dec 2021 | 48 | 2006 | — |
| 44 |
Untapped Global
Online alternative investment platform for startups |
$13.3M | — | Seed | Seed Sep 2023 | 27 | 2020 | — |
| 45 |
Kikoff
Online platform for credit builder loans |
$85M | — | Series B | Series B Jun 2021 | 63 | 2011 | — |
| 46 |
LoanSnap
Online marketplace for residential & commercial mortgage loans |
$64M | — | Series B | Series B May 2021 | 102 | 2018 | — |
| 47 |
ApplePie Capital
Online lending marketplace for franchise loans |
$45.3M | — | Series C | Series C Oct 2021 | 70 | 2014 | — |
| 48 |
Aura
Online credit-building loans platform |
$83.4M | — | Series D | Conventional Debt Mar 2020 | 15 | 2012 | — |
| 49 |
Eli
Online incentive platform for buying electric vehicles |
$6.8M | — | Series A | Series A Jan 2024 | — | 2023 | — |
| 50 |
Insikt
Developer of white label platform for online lending |
$100M | — | Series D | Conventional Debt Dec 2018 | 15 | 2012 | — |
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.
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
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.
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.
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.
Provider of unified consumer credit data infrastructure and analytics platform. The company enables lenders and other financial institutions to access and orchestrate consumer-permissioned credit, banking, payroll, and document data through a single integration for underwriting and onboarding workflows. Its platform underpins three core products a cash flow underwriting solution using bank transaction data, an automa
Blockchain-based platform for consumer loans. It provides a blockchain-based platform for consumer loans. It offers loans such as personal loans, residential mortgage loans, home equity loans, mortgage refinancing loans, and more. It provides a blockchain-based platform for capital raising and fundraising. It also provides trading tools for startups and businesses in order to track and manage equities.
Wisetack provides purchase financing solutions to consumers. Users can finance their purchases via Wisetack and can make repayments in monthly installments. Users can set up automatic debits to make repayments.
Online marketplace offering refinancing residential mortgage loans. It offers loans in exchange for home equity or co-ownership in the property, and also lets the borrower skip up to 3 monthly loan repayment in a year.
Developer of a data-centric, rules-driven, and extensible mortgage infrastructure platform. The platform offers task-based approach with automated routing and prioritization. It analyzes loan data in real-time and flags potential issues. The platform enables parallel workflow across multiple users, driving faster closing times. It provides comprehensive and automated task management. The architecture and API platform
Online bank offering consumer loans and insurances. It offers multiple loan products including personal loans, student loans, home loans, business loans, and more. It also offers insurance including life insurance, home insurance, and more. It also features an app-based platform for trading stocks, ETFs, crypto, and accessing financial services. The app is available on IOS and Android devices.
AI-based credit assessment software. It offers credit scores and insights to banks and financial institutions by integrating API with the dataflow model and obtaining & assessing client data. It helps investors & lenders make an informed decision by providing prediction & insights data through the integrated API.
Y Combinator
500 Global
SVB
FJ Labs
Andreessen Horowitz
Core Innovation Capital
First Round Capital
QED Investors
Ribbit Capital
Ulu Ventures
Baseline Ventures
Catapult
Rankings are computed by Radar (Fliar BI) from the Radar company master and are updated periodically. Funding and momentum scores use disclosed equity-funding data only. Figures may lag private rounds. Last updated 2026-06-19.
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