Best FinTech Companies in Houston, United States
The 199 best FinTech companies in Houston, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Beyond Finance.
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 Houston
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Beyond Finance Provider of debt settlement services 80Customers top 21%Growth top 25%Funding top 26%Market top 37% All 7 signals ▾Customerstop 21% Growthtop 25% Fundingtop 26% Markettop 37% Producttop 47% Techbottom 47% Globalbottom 32% Customers: Play-Store rating 4.76★ across 8,936 ratings (1 apps) · Review volume +64% in 6 mo Growth: Headcount 100 → 384 (+284%) across vintages · App-install growth +43% YoY rank vs industry peers · Fliar Intelligence Index 80/100 | $1.2B | 33 mo ago | 384 | 2004 | — | Apple iCloud MailGoogle WorkspaceRuby+23 | — | 2 awards |
| 2 | HighRadius 🦄 Provider of AI-powered platform for automating finance processes and improving outcomes | $484M | 62 mo ago | 3,500 | 2006 | Sashi Narahari Founder & CEO | SkilljarApple iCloud MailGoogle Workspace+32 | 73 patents Patents concentrated in computing, sensing & instrumentation | 1 partnership · 1 award |
| 3 | Above Lending Provider of a platform brokering and originating unsecured consumer installment loans 37Funding top 25%Growth top 45%Tech top 49%Market bottom 34% All 5 signals ▾Fundingtop 25% Growthtop 45% Techtop 49% Marketbottom 34% Globalbottom 32% Funding: Raised $420M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 37/100 | $420M | 31 mo ago | 44 44 → 104 (+136%) | 2019 | — | RubyTailwind CSSRuby on Rails+15 | — | — |
| 4 | TXSE Texas stock exchange 48Funding top 13%Growth top 35%Moat top 48%Talent bottom 49% All 7 signals ▾Fundingtop 13% Growthtop 35% Moattop 48% Talentbottom 49% Techbottom 47% Marketbottom 36% Globalbottom 29% Funding: Raised $133M across 3 rounds · 3 rounds over 2 yrs (1.5/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 48/100 | $133M | 11 mo ago | — | 2023 | James Lee Founder and CEO | WebflowApple iCloud MailMicrosoft 365+18 | — | — |
| 5 | P97 Cloud-based and while-label wallets for multiple sectors 53Moat top 22%Product top 26%Funding top 32%Innovation top 34% All 10 signals ▾Moattop 22% Producttop 26% Fundingtop 32% Innovationtop 34% Growthtop 45% Techbottom 49% Talentbottom 49% Globalbottom 45% Marketbottom 43% Newsbottom 21% Moat: Editorial + unicorn rating 8/10 · Soonicorn Product: 4 distinct product lines · Company stage: Acquired rank vs industry peers · Fliar Intelligence Index 53/100 | $85M | 25 mo ago | 121 | 2012 | Donald Frieden President & CEO | WordPressApple iCloud MailMicrosoft 365+26 | — | — |
| 6 | OTC Global Holdings Largest independent OTC commodity brokerage, offering end-to-end trading solutions | $55M | 42 mo ago | 183 | 2007 | — | WordPress Block EditorElementorWordPress+25 | — | — |
| 7 | RepeatMD Provider of suite of patient engagement solutions for healthcare providers | $44M | 30 mo ago | 109 | 2020 | Adam Lamprecht-Morphew Creative Director | StoryblokNode.jsRadix UI+28 | — | — |
| 8 | Hello Alice Online networking platform for businesses to launch and grow | $43M | 26 mo ago | 59 | 2015 | Elizabeth Gore Co-Founder | WordPressApple iCloud MailMicrosoft 365+25 | — | — |
| 9 | Fair Fintech Digital bank for individuals | $32M | 64 mo ago | 30 | 2020 | — | — | — | — |
| 10 | GoCo.io Cloud-based platform for HRMS suite | $30M | 43 mo ago | 45 | 2015 | Michael Gugel Co-Founder & Chief Product Officer | SentryNode.jsGoogle Maps+29 | — | — |
| 11 | Ontop Provider of payroll software and HR compliance solutions for global teams | $26M | 56 mo ago | 5 | 2020 | Julian Gomez Co-Founder & CEO | Webflow EcommerceWebflowSentry+28 | — | — |
| 12 | SolArc Project management experts ensuring contract compliance and cost savings | $25M | 271 mo ago | 119 | 1995 | Brad Anderson CEO | — | — | — |
| 13 | Noventis API-linked payment gateway for bill and invoice payments | $18M | 111 mo ago | 201 | 1998 | — | — | 2 patents Cardiovascular disease prevention and treatment pharmaceutical compositions and methods | — |
| 14 | Iownit Blockchain-based deal discovery platform | $16M | 23 mo ago | 33 | 2017 | Hamid Gayibov Co-Founder | — | — | 2 partnerships |
| 15 | Molecule SaaS-based platform for commodity trading 27Moat top 37%News top 41%Talent top 41%Funding top 43% All 10 signals ▾Moattop 37% Newstop 41% Talenttop 41% Fundingtop 43% Patentstop 44% Producttop 49% Techbottom 47% Innovationbottom 45% Globalbottom 40% Marketbottom 29% Moat: Editorial + unicorn rating 7/10 · IP moat: 14 patents News: 2 BI events in 12 mo (of 10 tracked, 6 types) · +100% YoY rank vs industry peers · Fliar Intelligence Index 27/100 | $14M | 11 mo ago | 24 24 → 48 (+100%) | 2012 | Sameer Soleja Founder & CEO | Amazon ALBAmazon Web ServicesCloudflare+21 | 14 patents Pharmaceutical obesity/diabetes treatments and polymerizable‑liquid 3D‑printing material technologies | 1 launch |
| 16 | Lendflow Provider of cloud-based lending solutions 53Growth top 35%Tech top 36%Funding top 38%Talent top 38% All 10 signals ▾Growthtop 35% Techtop 36% Fundingtop 38% Talenttop 38% Moattop 39% Innovationtop 46% Producttop 46% Newsbottom 45% Marketbottom 37% Globalbottom 32% Growth: Fresh capital in last 24 mo Tech: 31 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 53/100 | $13M | 13 mo ago | 68 | 2019 | Matthew Watts Co-Founder & CTO | WebflowSalesforceAmazon Web Services+16 | — | — |
| 17 | Brassica API infrastructure for private securities and alternative investments | $12M | 38 mo ago | 21 | 2021 | Youngr Lee Founder & CEO | — | — | — |
| 18 | LevelField Provider of a platform uniting digital and traditional finance 22Funding top 36%Talent bottom 49%News bottom 42%Moat bottom 38% All 6 signals ▾Fundingtop 36% Talentbottom 49% Newsbottom 42% Moatbottom 38% Marketbottom 34% Globalbottom 29% Funding: Raised $10.3M across 6 rounds · 6 rounds over 8 yrs (0.8/yr) Talent: 1 named leader on record · 1 C-suite/founder profile curated rank vs industry peers · Fliar Intelligence Index 22/100 | $10M | 8 mo ago | — | 2018 | Gene Grant Ii Chief Executive Officer | — | — | — |
| 19 | Propeller Provider of insurance and surety bonds distribution platform | $6M | 41 mo ago | 9 | 2019 | Aaron Steffey Co-Founder and Co-CEO | WordPressMySQLPHP+32 | 41 patents Design and manufacturing of insulated reusable beverage containers and frozen food molds. | 1 job opening |
| 20 | Fig Loans Offers installment loans as a payday loan alternative | $5M | 78 mo ago | 10 | 2014 | — | BootstrapAmazon ALBReact+14 | — | — |
| 21 | TIKR Financial database for public companies | $3M | 64 mo ago | 7 | 2003 | Sahil Khetpal Co-Founder & CEO | SentryZendeskNode.js+19 | — | — |
| 22 | Tabulate Accounting, payroll, and analytics for restaurants and bars | $3M | 131 mo ago | 7 | 2014 | Albert Blanchard Founder | — | — | 1 launch |
| 23 | Panton Provider of Image analysis-based industrial solution | $3M | 127 mo ago | 11 | 2013 | — | — | 17 patents Computer vision for vehicle damage, safety inspection, and infrastructure anomaly detection | — |
| 24 | AcctTwo Shared Services Cloud-based accounting software provider | $3M | 90 mo ago | 89 | 2010 | — | — | — | — |
| 25 | Now Insurance Online insurance comparison platform for professionals & micro-businesses owners | $2M | 33 mo ago | 15 | 2015 | Philip Cabaud CEO | WordPressRubyPHP+33 | — | — |
| 26 | Commerciant Wireless payment acceptance terminal. | $2M | 252 mo ago | — | 2000 | Tim Davis CEO | — | 2 patents Industrial motion control systems and energy‑harvesting short‑range wireless interfaces. | — |
| 27 | Tidal Finance Decentralized insurance marketplace for smart contract hacks | $2M | 62 mo ago | 5 | 2020 | — | — | — | — |
| 28 | EnergyFunders Crowdfunding platform for oil and gas projects | $1M | 85 mo ago | 10 | 2013 | — | Node.jsReactstyled-components+21 | — | — |
| 29 | Composable Provider of software development and consulting services | $1M | 39 mo ago | — | 2023 | Jonathan Thomas Co-Founder & CTO | — | — | — |
| 30 | Next Gen CM Domain registration, web hosting, and website builder services provider | $1M | 148 mo ago | — | 2013 | Elliott Nunez Founder | — | — | — |
| 31 | Strongroom Solutions Provider of cloud-based accounts payable software solutions for SMBs. | $1M | 154 mo ago | 11 | 2007 | Tyler Gill Ex-CEO & Co-founder | — | — | — |
| 32 | ZeusLending.com Provider of financial services for international trade and acquisition financing | $1M | 95 mo ago | 31 | 2004 | Steven Kaufman Founder & Chief Acceleration Officer | WordPressMySQLPHP+20 | — | — |
| 33 | GroupRaise Restaurant fundraising platform connecting nonprofits with restaurants for meal-based donations | $1M | 79 mo ago | 34 | 2010 | — | RubyErlangFacebook Login+26 | — | — |
| 34 | SK Global Software Banking & treasury automation software for banks & financial institutions | $458K | 73 mo ago | 38 38 → 54 (+42%) | 1995 | Rick Sandler Co-founder | — | 56 patents Patents concentrated in computing, sensing & instrumentation | — |
| 35 | Gively Registry platform transitioning to a new concept, support available | $250K | 179 mo ago | — | 2011 | Chris Aram Co-Founder & CEO | WordPressMySQLPHP+14 | — | — |
| 36 | Massventure An equity based real-estate crowdfunding platform. | $212K | 137 mo ago | 5 | 2014 | Nathan Roach Co-Founder & CEO | — | — | — |
| 37 | SpenDebt Automating debt payments through micro-transactions, empowering financial freedom | $150K | 44 mo ago | 2 | 2015 | Kiley Summers Founder | — | — | — |
| 38 | BillTrim Bill negotiation service that lowers, monitors, and autopays your bills | $150K | 108 mo ago | 31 | 2016 | Anu Sura Co-Founder & CTO | — | — | — |
| 39 | Lyra Platform offering crypto payment cards | $125K | 48 mo ago | — | 2021 | Griffin Wheeler Co-Founder | — | — | — |
| 40 | NFT Access NFT-based ticketing solutions for individuals and businesses | $125K | 48 mo ago | 5 | 2021 | Griffin Wheeler Founder | — | — | — |
| 41 | RaptorX Online platform utilizing AI and graph analytics for detecting financial fraud and mitigating risks in… | $120K | 13 mo ago | — | 2024 | Pratyusha Vemuri Founder & CEO | SanityNode.jsRadix UI+17 | — | 1 job opening |
Top 12 FinTech companies in Houston
#1
Series E · Houston, Texas · founded 2023$133.3Mraised▾
Texas stock exchange. It provides U.S. and global companies access to U.S. equity capital markets and provide provide a venue to trade and list public companies and the growing universe of exchange-traded products.
- Jul 2025Series E$112.7M
- Sep 2024Series D$28.8M
- Mar 2024Series D$132.5M
#2
Series A · Houston, Texas · founded 2018$10.3Mraised▾
Provider of a platform uniting digital and traditional finance. This platform offers users two methods for buying and selling digital assets, integrating them seamlessly with traditional financial systems. The platform is designed to provide a user-friendly experience tailored to individual customer needs. Future product releases are planned.
- Sep 2025Series A$200K
- Jul 2022Series A$2.9M
- Feb 2022Series A$513.8K
- Jan 2022Series A$8M
#3
Series B · Houston, Texas · founded 2012 · 24 employees$14.3Mraised▾
Molecule provides a SaaS-based platform for commodity trading. It calculates position and risk for companies that trade commodity futures, forwards, options, and swaps. It supports electricity, natural gas, crude oil, NGLs, and many other commodities worldwide. Molecule downloads trades from exchanges, automatically brings in market data from Morningstar, and computes companies' daily or real-time analyses instantly.
- Jul 2025Series B$11.9M
- May 2021Series A$12M
- Nov 2014Seed$1.1M
- Dec 2013Seed$775K
#4
Series A · Houston, Texas · founded 2019 · 68 employees$13Mraised▾
Provider of cloud-based lending solutions. It offers a solution that enables lenders to provide customized lending options to the end customers. It features APIs for integrations, insights on performance, and proprietary decision engines.
- May 2025Conventional Debt$15M
- Oct 2021Series A$10.8M
- Nov 2020Seed$750K
- Seed$125K
#5
Funding Raised · Houston, Texas · founded 2004 · 384 employees$1.2Braised▾
Provider of debt settlement services
- Aug 2023Conventional Debt$635M
- Oct 2022Conventional Debt$400M
- Feb 2021Conventional Debt$110M
- Apr 2019Conventional Debt$60M
#6
Funding Raised · Houston, Texas · founded 2019 · 44 employees$420Mraised▾
Provider of a platform brokering and originating unsecured consumer installment loans. The platform facilitates personalized offers based on limited user information. Approval and loan terms are subject to credit determination and legal requirements. By applying, users consent to information sharing with lending partners and affiliates. Products and services may not be available everywhere. The platform may report account information to credit bureaus.
- Oct 2023Conventional Debt$200M
- May 2023Conventional Debt$95M
- 2022Conventional Debt$75M
- 2021Conventional Debt$50M
#7
Acquired · Houston, Texas · founded 2012 · 121 employees$84.7Mraised▾
Cloud-based and while-label wallets for multiple sectors. The platform facilitates payments via credit or debit cards, bank transfers, and more. It also enables mobile commerce, digital marketing, and consumer engagement for convenience retail, utilities, energy companies, hospitality, more.
- Apr 2024Conventional Debt$10M
- Mar 2023Series C$40.7M
- Jan 2022Venture Debt$40M
- Aug 2021Conventional Debt$900K
#8
Series B · Houston, Texas · founded 2017 · 33 employees$16Mraised▾
iownit provides blockchain-based deal discovery platform for private market investors. It enables users to review investment opportunities and select investment based on interest & risk. It offers multiple opportunities including equity, debt & funds. Also offers identity verification, portfolio management, and performance tracking solutions for investors, entrepreneurs & intermediaries.
- Jul 2024Series B$11.5M
- Jun 2019Series A$4.5M
#9
Series C · Houston, Texas · founded 2015 · 59 employees$43.4Mraised▾
Online networking platform for businesses to launch and grow. It provides knowledge, funding, networks, and peer-to-peer connections with small business owners. It also provides financing options such as loans and credit cards for small businesses.
- Apr 2024Series C—
- May 2023Series B$15M
- Jun 2021Series B$21M
- Dec 2019Series A—
#10
Series A · Houston, Texas · founded 2020 · 109 employees$44.2Mraised▾
Provider of a suite of patient engagement solutions for healthcare providers. The mobile app allows provides to educate patients, earn referrals, get feedback on treatments, and manage the retention of patients. The staff and patients can make conversation through the app for the services needed.
- Nov 2023Conventional Debt$10M
- Jun 2023Series A$40M
- Jan 2023Seed$4.2M
#11
Series C · Houston, Texas · founded 2006 · 3500 employees$484Mraised▾
Provider of AI-powered platform for automating finance processes and improving outcomes. The platform integrates agents that orchestrate processes across order-to-cash, close and reconciliation, consolidation and reporting, accounts payable, B2B payments, and treasury. The company’s platform enables adaptive decision-making, efficient problem-solving, and dynamic execution of tasks. It offers solutions for accounts receivable, accounts payable, treasury, and financial close.
- Mar 2021Series C$300M
- Dec 2019Series B$125M
- Feb 2018Series A—
- Sep 2017Series A$59M
#12
Seed · Houston, Texas · founded 2024$120.4Kraised▾
Online platform utilizing AI and graph analytics for detecting financial fraud and mitigating risks in financial systems. It uses graph analytics to detect risks and prevent cyber threats, aiming to redefine financial resilience. Its platform combines interactive graphs and behavior metrics to assess cyber risks and protect businesses from transaction and identity fraud.
- May 2025Seed$271.5K
- Oct 2024Seed$473K
- May 2024Seed—
- Feb 2024Seed$120.4K
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