Best Alternative Lending Companies in San Francisco, United States

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.

Funding rounds

• May 2026Conventional Debt—
• Dec 2024Series C$100M
• Aug 2024Conventional Debt$93M
• Apr 2024Conventional Debt$125M

Founders & team

Sahill PoddarCo-Founder & CEO

Investors

Atalaya Capital Management, Jefferies, GIC, Thrive Capital, Ribbit Capital, Trinity Capital

Tech stack

Amazon S3Amazon SesAmazon Web ServicesApple Icloud MailAtlassian StatuspageCloudflare

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.

Funding rounds

• Oct 2025Series G$165M
• Nov 2021Series F$280M
• Aug 2021Series E$105M
• Jun 2020Series D$40M

Founders & team

Matt WiermanCo-Founder and EVPAdelina GrozdanovaCo-FounderJeff BoganCo-Founder & CFO

Investors

Union Square Ventures, Ribbit Capital, Vy Capital, SVB, CreditEase, Noah Holdings

Tech stack

AkamaiAkamai Bot ManagerAmazon Web ServicesApple Icloud MailBootstrapCloudflare

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 automated income verification solution, and a cross border credit product that translates international credit histories into standardized reports. Services help clients expand approval rates for underserved or thin file consumers, reduce fraud, improve debt-to-income assessment, and maintain compliance as a consumer reporting agency under applicable regulations.​

Funding rounds

• Oct 2025Series D$35M
• Oct 2023Series C$45M
• Sep 2022Series B$10M
• Feb 2020Series B$50M

Founders & team

Misha EsipovCo-Founder & CEO

Investors

Kleiner Perkins, Canapi Ventures, Index Ventures, General Catalyst, Nyca Partners, Sound Ventures

Tech stack

Amazon CloudfrontAmazon Web ServicesApple Icloud MailAws Certificate ManagerCdnjsCloudflare

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.

Funding rounds

• May 2025Conventional Debt—
• Nov 2022Series D$7.5M
• May 2021Series D$200M
• Jan 2021Conventional Debt$100M

Founders & team

June OuCo-FounderMichael TannenbaumChief Executive Officer

Investors

Ribbit Capital, Digital Currency Group, HCM Capital, DCM Ventures, RPM Ventures, Morgan Creek Capital Management

Tech stack

Acquia Cloud PlatformAcquia Cloud Site FactoryAdobe AnalyticsAdobe Experience Platform Identity ServiceAdobe Experience Platform LaunchAmazon Web Services

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.

Funding rounds

• Sep 2025Series B$14.3M
• Mar 2024Series B$20.4M
• Jul 2021Series B$51.8M
• Aug 2019Series A$15M

Founders & team

Bobby TzekinCo-Founder & CEOMykola KlymenkoCo-Founder

Investors

Greylock Partners, Bain Capital Ventures, Insight Partners, Conversion Capital, Ulu Ventures, Alloy Alchemist Fund

Tech stack

Alpine.JsAmazon SesAmazon Web ServicesApple Icloud MailCalendlyCloudflare

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 allows lenders to leverage innovations.

Funding rounds

• Sep 2025Series A—
• Jan 2022Series A$30M
• 2020Seed$5M

Founders & team

Mike Yucofounder

Investors

Conversion Capital, Andreessen Horowitz, Zigg Capital, Bain Capital Ventures, Pennymac

Tech stack

Apple Icloud MailCdnjsCloudflareCloudflare Bot ManagementCore-JsGoogle Analytics

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.

Funding rounds

• Feb 2024Post IPO—
• Jan 2021Series G$369.8M
• Jun 2019Series G$539M
• Apr 2017Series F$105M

Founders & team

Benedict CoppingFounderPaul MayerFounder and Head of Strategy and OperationsAnthony NotoCEO

Investors

Silver Lake, GPI Capital, SoftBank Group, Discovery Capital, Baseline Ventures, DCM Ventures

Tech stack

AddtoanyAmazon S3Amazon Web ServicesApple Icloud MailAtlassian StatuspageAudioeye

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.

Funding rounds

• Dec 2025Series A$8M

Founders & team

Aaron TravisCEO Co-Founder Karus Inc.James HarrisonCo-Founder & COO

Investors

StageDotO, Capital Eleven, OAK’S LAB