Best FinTech Companies in Cincinnati, United States
The 64 best FinTech companies in Cincinnati, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Coterie.
Biggest earners American Express Co ($10.5B, +9% YoY), Mastercard Inc ($8.3B, +13% YoY), Flex Ltd. ($6.6B, +4% YoY), Fiserv Inc ($5.0B, +10% YoY)
Our analysis of 243 FinTech companies
$56.0b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Cincinnati
| # | Company | Disclosed funding | Last round | Stage | Employees | Founded | Founder | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Coterie Online insurance platform for small businesses 67Tech top 19%News top 21%Funding top 25%Growth top 29% All 9 signals ▾Techtop 19% Newstop 21% Fundingtop 25% Growthtop 29% Moattop 31% Producttop 49% Marketbottom 49% Talentbottom 40% Globalbottom 39% Tech: 64 technologies across 6/8 capability areas · Cloud: Azure, Cloudflare News: 6 BI events in 12 mo (of 24 tracked, 6 types) · +500% YoY rank vs industry peers · Fliar Intelligence Index 67/100 | $99M | 9 mo ago | Series B | 137 | 2018 | David McFarland Founder & CEO | — |
| 2 | eLynx Document automation platform for financial institutions. | $59M | 237 mo ago | Acqui-Hired | 88 | 1994 | — | — |
| 3 | Bannockburn Global Stock brokerage firm | $28M | 142 mo ago | Acquired | 20 | 2009 | — | — |
| 4 | Luma Financial Technologies Order management solutions for brokers & dealers | $7M | 14 mo ago | Series C | 127 | 2018 | Timothy Bonacci President & CEO | 1 launch · 1 partnership |
| 5 | UniRush Provides prepaid card for personal use. | $5M | 124 mo ago | Acquired | 131 | 2003 | David Rosenberg Founder & CEO | — |
| 6 | SoMoLend Comparing consumer loans in Norway to find the cheapest options | $4M | 159 mo ago | Deadpooled | — | 2011 | Candace Klein Founder and CEO | — |
| 7 | Payload Provider of payment processing platform for businesses and software platforms | $3M | 50 mo ago | Seed | 18 | 2019 | Ryan Rybolt CEO & Co-Founder | — |
| 8 | Pay Theory Cloud based platform offering payment solutions for education sectors | $2M | 52 mo ago | Seed | 9 | 2018 | Joe Miramonti Co-Founder | — |
| 9 | LuckyTruck Online platform offering truck insurance quotes | $2M | 44 mo ago | Seed | 23 | 2019 | Julie Zimmer Chief Executive Officer | — |
| 10 | 10XTS Digitizing real-world assets with blockchain for secure, transparent, and efficient solutions | $2M | 51 mo ago | Seed | 15 | 2017 | Michael Hiles Founder | — |
| 11 | AKRU Online investment platform for commercial real estate | $2M | 57 mo ago | Seed | 31 | 2018 | — | — |
| 12 | CircaBlack Prepaid master card provider | $2M | 146 mo ago | Seed | — | 2013 | James Gould Co-Founder | — |
| 13 | Navian Capital Marketing solutions for structured financial products | $882K | 77 mo ago | Seed | 79 | 2005 | Timothy Bonacci President & CEO - Founder | — |
| 14 | Business Backer Small business financing solutions: receivables purchasing, loans, and lines of credit | $800K | 149 mo ago | Acquired | 60 | 2007 | Scott Avera Co-Founder & Chairman | — |
| 15 | GetSqrl SaaS document reminder service | $550K | 148 mo ago | Seed | 3 | 2013 | Ryan Watson Co-Founder & CEO | — |
| 16 | Tracour Stock market analytics tool. | $335K | 145 mo ago | Deadpooled | 3 | 2013 | Brad Sams CEO | — |
| 17 | Innovative Card Solutions Prepaid card solutions and technology platforms empowering electronic payments and financial literacy | $300K | 108 mo ago | Seed | — | 2007 | Wyatt Goins Co-Founder & COO | — |
| 18 | SimpleRegistry Simplified wedding registry for any item, anywhere, stress-free and easy | $300K | 171 mo ago | Seed | 1 | 2010 | Tony Alexander Co-founder | — |
| 19 | Spendr Online payment platform for cannabis payments | $106K | 17 mo ago | Series A | 11 | 2021 | Lucas Gould Founder & CEO | — |
Top 12 FinTech companies in Cincinnati
#1
Series B · Cincinnati, Ohio · founded 2018 · 137 employees$99.2Mraised▾
Coterie Insurance provides online insurance platform for small businesses. It offers coverage for general liability insurance, business owners insurance, and professional liability insurance. It features solutions for insurance quoting, chats, sales, and marketing for agents & partners.
- Sep 2025Series B—
- Mar 2024Series B$27M
- Oct 2021Series B$50M
- Feb 2021Series A$11.5M
#2
Series C · Cincinnati, Ohio · founded 2018 · 127 employees$7Mraised▾
Luma Financial Tech offers order management solutions for brokers, dealers, and annuity advisors. Provides comparison tools for tracking, accessing, exporting, reporting, and managing overall order systems. Also, monitors the performance of structured products and annuities.
- Apr 2025Series C$63M
- May 2020Series A$7M
#3
Series A · Cincinnati, Ohio · founded 2021 · 11 employees$106.2Kraised▾
Online payment platform for cannabis payments
- Jan 2025Series A$2.7M
- Jun 2021Seed$106.2K
#4
Acqui-Hired · Cincinnati, Ohio · founded 1994 · 88 employees$59Mraised▾
eLynx provides on-demand, Web-based services for secure, paperless, document collaboration and distribution to a diverse range of financial institutions including 25 of the top 50 banks in the United States. Its products include Expedite for Lenders, Expedite for Settlement, On-demand platform and software tool. Expedit for Lenders includes delivery solutions (edelivery, print and mail and Fax), Workflow enhancement, Data integration and other add-on services including e-Signature, e-Folder and document viewer. eLynx is a portfolio company of American Capital and acquired Medallion Analytics Company, a provider of data automation solutions, in 2014 for an undisclosed amount.
- Sep 2006PE$20M
- Dec 2004PE$39M
#5
Acquired · Cincinnati, Ohio · founded 2009 · 20 employees$28Mraised▾
Stock brokerage firm
- Aug 2014Series B$17M
- Jan 2013Series A$7.4M
- Dec 2012Seed$547.2K
- May 2012Seed$1.5M
#6
Seed · Cincinnati, Ohio · founded 2019 · 23 employees$2.4Mraised▾
Online platform offering truck insurance quotes. It offers a platform for users to buy, sell, and manage commercial trucking insurance via the platform itself. Users can manage their insurance covers via one dashboard.
- Oct 2022Seed$2.4M
- Dec 2021Seed—
#7
Seed · Cincinnati, Ohio · founded 2019 · 18 employees$3Mraised▾
Provider of payment processing platform for businesses and software platforms. The platform automates inbound and outbound payments through a unified suite of payment products. It facilitates payment methods including ACH, card, RTP, and others. The platform offers tools for implementation, user interface, and integration. It provides security, compliance, risk management, and pricing options.
- Apr 2022Seed$1.5M
- Mar 2022Conventional Debt$1.5M
#8
Seed · Cincinnati, Ohio · founded 2018 · 9 employees$2.5Mraised▾
Cloud based platform offering payment solutions for education sectors. It allows organizations to embrace and implement technology that delivers better customer experiences, while at the same time ensuring inclusivity for all families regardless of their access to a checking account or credit card.
- Feb 2022Seed$2M
#9
Seed · Cincinnati, Ohio · founded 2017 · 15 employees$2Mraised▾
Digitizing real-world assets with blockchain for secure, transparent, and efficient solutions. The company is a software and data solutions provider specializing in asset tokenization using distributed ledgers and blockchain technology. They empower organizations to securely digitize and tokenize real-world assets, offering solutions for precious metals, real estate, and supply chain logistics. Their technology includes conduit network, temporal ledgers, smart meters, gateways, distributed event stores, and computable contracts. Services range from blockchain consulting and infrastructure management to data analytics, decentralized application development, regulatory compliance, and smart contract deployment. They focus on creating a high-trust, decentralized financial infrastructure, transforming asset management and fostering economic independence through asset tokenization. The company aims to build collaborative ecosystems that reduce risk, increase transparency, and unlock new value for all participants, facilitating web2 to web3 migration and integration.
- Mar 2022Seed$2M
#10
Seed · Cincinnati, Ohio · founded 2018 · 31 employees$2Mraised▾
Online investment platform for commercial real estate. It enables users to invest in premium fractionalized assets. It offers an AI-based portfolio management platform for investors and asset owners. It also offers an online marketplace and blockchain-based technology platform for real estate tokenization.
- Sep 2021Seed$2M
- Apr 2021Angel—
#11
Deadpooled · Cincinnati, Ohio · founded 2011$4.2Mraised▾
Comparing consumer loans in Norway to find the cheapest options, a platform providing insights into the Norwegian consumer loan market. It offers a comprehensive overview of various loan options, enabling users to compare interest rates, fees, and terms from different providers. The platform aims to empower users to make informed decisions and find the loan that best suits their individual needs. It also provides guidance on factors to consider before taking out a consumer loan, offering advice on avoiding financial difficulties. The website serves as a valuable resource for individuals seeking unsecured loans, personal loans, refinancing options, and small loans. It facilitates the comparison of loan offers from multiple banks, helping users secure competitive interest rates and favorable loan terms. The platform supports responsible borrowing by providing educational content and tools for financial planning.
- Mar 2013Seed$2.2M
- Oct 2012Seed$545K
- Apr 2012Seed$1.2M
- Sep 2011Seed$310K
#12
Acquired · Cincinnati, Ohio · founded 2003 · 131 employees$5Mraised▾
RushCard provides prepaid, Visa-branded cards for personal use. The cards can be used for omni-channel transaction including at ATMs, online shopping, in-store payments and even for P2P money transfers. Money can be loaded on the card by a number of different methods such as direct deposit of pay check, in-store recharge at various retail stores and via checks using Ingo Money. Post a transaction, a user also receives SMS and email alerts for the transaction and can manage their cards and view transaction history on the related mobile app.
- Feb 2016Venture Debt$5M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in the United States
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 907 United States-affiliated papers.
- Film Independent54
- United States Department of Commerce26
- Community Partners22
- University of Virginia18
- International Monetary Fund12
- Financial services42
- Database transaction16
- Payment15
- Scalability12
- Credit risk11
- Financial services7→190
- Financial inclusion2→74
- Payment2→50
- Mobile payment3→29
- Leverage (statistics)1→21
- Financial services9→149
- Financial inclusion1→56
- Payment2→27
- Investment (military)1→19
- Cryptocurrency1→17
Where fintech is researched across United States
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Who's filing fintech patents in the United States
United States fintech patent filing is accelerating — 20 filings from 16 assignees (2016–2025), led by Mastercard International, Verifone, Financial Cloud Innovations; annual filings 1→7.
- Mastercard International20
- Verifone4
- Financial Cloud Innovations2
- Atombeam Technologies2
- Salah ALI Khalil1
- LNW Gaming1
- Kassetty Nikhil1
- DR Mariappan RAJA1
Common questions
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.