Best FinTech Companies in Oakland, United States
The 73 best FinTech companies in Oakland, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Marqeta.
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 Oakland
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Marqeta Provider of a platform for modern card issuing and payment solutions | $528M | 68 mo ago | 771 771 → 1,026 (+33%) | 2010 | Jason Gardner Founder | ContentfulSentryApple iCloud Mail+38 | 65 patents AI-driven transaction processing, fraud detection, and cryptographic security for card payments | 1 launch |
| 2 | Roofstock 🦄 Online platform for real estate investments | $373M | 51 mo ago | 174 174 → 377 (+117%) | 2015 | Doug Brien President & CEO | HubSpot CMS HubApple iCloud MailGoogle Workspace+31 | — | — |
| 3 | Mosaic Residential solar financing provider | $250M | 115 mo ago | 179 | 2011 | Billy Parish Co-Founder & Executive Chair | WordPressApple iCloud MailMySQL+28 | 394 patents Mineral mining equipment and processes, plus fertilizer and ammonia production technologies. | — |
| 4 | Renew Financial Online platform for renewable energy financing | $125M | 31 mo ago | 356 356 → 199 (-44%) | 2008 | Mark Floyd Chief Executive Officer | WordPressApple iCloud MailMySQL+25 | — | — |
| 5 | Xpede Loan origination solution | $53M | 312 mo ago | 30 | 1999 | — | — | — | — |
| 6 | PromisePay Bill payment solutions for the government | $48M | 51 mo ago | 73 | 2017 | Phaedra Ellis-Lamkins Co-Founder | SentryNode.jsFirebase+24 | — | — |
| 7 | ZestyAI Decision intelligence platform for the insurance industry 78Innovation top 22%AI top 26%Talent top 27%Funding top 31% All 11 signals ▾Innovationtop 22% AItop 26% Talenttop 27% Fundingtop 31% Producttop 34% Growthtop 35% Newstop 35% Moattop 39% Techtop 44% Marketbottom 45% Globalbottom 39% Innovation: 4 new-product events in 24 mo · 6 product lines AI: Classified as an AI company · Product described with: computer vision, machine learning rank vs industry peers · Fliar Intelligence Index 78/100 | $46M | 11 mo ago | 79 | 2018 | Kumar Dhuvur Co-Founder & CPO | WebflowSalesforceGSAP+25 | — | 1 launch · 1 award |
| 8 | Peach Finance Software for loan life cycle management | $36M | 20 mo ago | 8 | 2018 | Gur Brosh Co-founder & COO | — | — | 1 partnership |
| 9 | CNote Online investment platform for fixed income-focused community development 50Funding top 24%Tech top 26%Moat top 29%Talent top 38% All 9 signals ▾Fundingtop 24% Techtop 26% Moattop 29% Talenttop 38% Growthtop 45% Producttop 49% Globalbottom 37% Marketbottom 28% Newsbottom 27% Funding: Raised $27.2M across 17 rounds · 17 rounds over 10 yrs (1.7/yr) Tech: 51 technologies across 6/8 capability areas · Cloud: Amazon Web Services, Cloudflare rank vs industry peers · Fliar Intelligence Index 50/100 | $27M | 2 mo ago | 14 14 → 29 (+107%) | 2016 | Catherine Berman Co-Founder & CEO | WordPress Site EditorWordPressApple iCloud Mail+28 | — | — |
| 10 | Reserve Stablecoin with a decentralized payment protocol | $10M | 85 mo ago | 3 | 2017 | Nevin Freeman Co-Founder | SentryRadix UITailwind CSS+27 | 37 patents Patents concentrated in construction | — |
| 11 | Final Credit card management platform focused on control and security | $10M | 119 mo ago | 13 | 2014 | Matthew Rothstein Co-Founder | Facebook LoginMediaElement.jsYouTube+13 | 35 patents Patents concentrated in health & consumer products | — |
| 12 | Drop Fake Video game developer focusing on metaverse games | $9M | 59 mo ago | 27 | 2021 | Jeff Howell Co-Founder & CEO | Framer SitesReactPriority Hints+6 | — | — |
| 13 | Chargehound Provider of a platform that automates chargebacks for merchants | $8M | 87 mo ago | 13 | 2012 | Dmitri Cherniak Founder & CTO | — | — | — |
| 14 | QBIS Insurance Solutions Cloud-based underwriting and delivery platform for SMEs agents and brokers | $4M | 117 mo ago | 3 | 2016 | — | — | — | — |
| 15 | Flipcause Fundraising solution provider | $3M | 92 mo ago | 19 | 2013 | Emerson Ravyn Co-Founder & CEO | Cart FunctionalityPHPFacebook Login+17 | — | — |
| 16 | Paperwork App-based wealth and document management platform for individuals | $2M | 51 mo ago | 15 | 2019 | Kevin Cimring Co-founder and CEO | — | — | — |
| 17 | Bluejay HOA Software-based accounting solutions for homeowners | $2M | 36 mo ago | 6 | 2022 | Ethan Kalm Co-Founder | — | — | — |
| 18 | PropertyBridge Online Payment Processing platform | $2M | 244 mo ago | 28 | 2004 | Jason Gardner Co-Founder & President | — | — | — |
| 19 | Fluid Software-based payment collection and invoice financing platform | $400K | 111 mo ago | — | 2014 | Julian Threatt Co-Founder | — | — | — |
| 20 | Walrus Banking platform, UPI payments, and debit card for teenagers | $395K | 57 mo ago | 11 | 2019 | — | — | — | — |
| 21 | Vayuh Developer of risk intelligence products for insurance-ready severe weather forecasting | $275K | 28 mo ago | 5 | 2021 | — | — | — | — |
| 22 | Yunit Online platform for group saving and investment | $245K | 51 mo ago | 3 | 2020 | Phillip Aubrey Founder & Hypeman | — | — | — |
| 23 | Bouncer Card scanning app | $150K | 84 mo ago | 12 | 2018 | Will Megson Co-Founder | — | — | — |
| 24 | Juniper Cloud based project management solutions provider | $125K | 65 mo ago | 30 | 2021 | Christophe Rimann Co-Founder | — | — | — |
| 25 | Grain Provider of an app-based platform for personal credit lines | $125K | 72 mo ago | 36 | 2017 | Christian-Robert Joseph Co-Founder & CEO | WebflowAmazon Web ServicesjsDelivr+6 | — | — |
Top 12 FinTech companies in Oakland
#1
Series B · Oakland, California · founded 2016 · 14 employees$27.2Mraised▾
Online investment platform for fixed income-focused community development. It enables all the money saved through the platform to be lent to drive social impact. It is a medium-term savings alternative with quarterly liquidity.
- Apr 2026Series B$8M
- Aug 2024Series B$500K
- Aug 2024Conventional Debt$100K
- Jul 2024Conventional Debt$77.2K
#2
Series B · Oakland, California · founded 2018 · 79 employees$46Mraised▾
Decision intelligence platform for the insurance industry. It helps insurers make better decisions faster and with greater confidence. The platform unifies property-level data, predictive AI models, and Agentic AI automation to transform how insurers see, price, and manage risk. Through machine learning, computer vision, and regulatory-grade transparency, it delivers precision and performance across underwriting, rating, reinsurance, and regulatory workflows. Validated by climate science and historical loss data, its models cover major perils including wildfire, severe convective storm, and non-weather water.
- Jun 2025Conventional Debt$15M
- Jul 2022Series B$33M
- Mar 2022Venture Debt$10M
- Jan 2019Grant (prize money)—
#3
Acquired · Oakland, California · founded 2018 · 8 employees$35.8Mraised▾
Software for loan life cycle management. It offers a cloud-based solution for managing portfolios and the loan servicing processes. It utilizes machine learning technology to optimize the debt collection process. The solution automatically keeps track of regulatory changes and offers built-in monitoring for bankruptcy and active duty.
- Oct 2024Series A$10.3M
- Jul 2021Series A$20M
- Nov 2019Series A$5.5M
#4
Series D · Oakland, California · founded 2008 · 356 employees$124.5Mraised▾
Renewfinancial offers an online platform for renewable energy financing. It offers loans to individuals & businesses for solar energy panels, windows & doors, heating & cooling, roofing & roof replacement, landscaping & turf, and more. It also provides loans to governments for energy & water conservation projects.
- Oct 2023Conventional Debt$245M
- Aug 2017Conventional Debt$300M
- Oct 2016Conventional Debt$200M
- Feb 2016Series D$78.3M
#5
Series E · Oakland, California · founded 2015 · 174 employees$373.2Mraised▾
Online platform for real estate investments. Provides marketplace for real estate investment. Allows users to purchase and sell whole or fractional shares of investment properties. Offers a platform for global asset managers to evaluate, purchase, and own residential investment properties. Provides tools to manage portfolios, connecting investors, negotiations, deal management, and support solutions to users.
- Mar 2022Series E$240M
- Mar 2021Series D—
- Jan 2020Series D$50M
- Apr 2019Series C$50M
#6
Public · Oakland, California · founded 2010 · 771 employees$528.1Mraised▾
Provider of a platform for modern card issuing and payment solutions. The platform allows businesses to integrate end-to-end credit and payment solutions. It enables the creation of tailored payment experiences and new card products. The platform offers features such as spend controls, fraud detection, and compliance tools. It facilitates the issuing of virtual cards and supports global expansion. The platform provides open APIs for creating payment products.
- Oct 2020Series E—
- May 2020Series E$150M
- Mar 2019Series E$260M
- Jun 2018Series D$45M
#7
Series C · Oakland, California · founded 2011 · 179 employees$250.5Mraised▾
Mosaic is a US based company focused on providing financing for residential solar. The company provides financing to homeowners to setup rooftop solar at their houses. The company started off as a crowdfunding platform to investment in solar projects.
- Nov 2016Conventional Debt$250M
- Aug 2016Conventional Debt$19.2M
- Aug 2016Series C$220M
- Apr 2016Conventional Debt$200M
#8
Series B · Oakland, California · founded 2017 · 73 employees$48Mraised▾
Bill payment solutions for the government. It provides payment processing and collection solutions for multiple government organizations like utility providers, tax institutions, law enforcement departments, parking, and more. It facilitates the online collection of payments via credit/debit cards, bank transfers, and more.
- Feb 2022Series B$25M
- Feb 2021Series A$20M
- Mar 2018Series A$3M
#9
Acquired · Oakland, California · founded 1999 · 30 employees$53Mraised▾
Provider of financial relationship management software. The company's application service, enables the financial institutions to expand their products offerings and strengthen customer relationship over internet.
#10
Seed · Oakland, California · founded 2021 · 27 employees$9Mraised▾
Video game developer focusing on metaverse games. The game is developing a cross-platform strategy game.
- Jul 2021Seed$9M
#11
Seed · Oakland, California · founded 2022 · 6 employees$2Mraised▾
Software-based accounting solutions for homeowners. The company offers a software suite for managing homeowners associations, with features such as integrated payments, payment collections, automated communication, and bookkeeping reporting.
- Jun 2023Seed$2M
#12
Acquired · Oakland, California · founded 2012 · 13 employees$7.9Mraised▾
Chargehound streamlines and automates chargeback dispute resolution for online merchants. The platform helps in automating the creation and submission of dispute responses to deal with chargeback fraud. They charge a percentage of the chargeback amount settled in merchants favor. Chargehound supports integration with Stripe and Braintree.
- Mar 2019Series A$3M
- Oct 2015Series A$4.8M
- 2014Seed$120K
- Oct 2013Conventional Debt$150K
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
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.