Best FinTech Companies in San Diego, United States
The 267 best FinTech companies in San Diego, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Splitero.
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 San Diego
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Splitero Developer of an online platform for home equity loans | $318M | 20 mo ago | 31 | 2021 | Michael Gifford Co-Founder & CEO | — | 1 award |
| 2 | classy Classy offers an online and mobile platform that enables socially good organizations to raise funds for… | $183M | 62 mo ago | 493 238 → 197 (-17%) | 2006 | — | — | — |
| 3 | Renovate America Provider of financing programs for water and energy-efficient home improvements | $170M | 105 mo ago | 163 | 1999 | — | — | — |
| 4 | Kyriba 🦄 Provider of cloud-based platform for treasury, risk, payments, and working capital | $159M | 20 mo ago | 334 | 2000 | — | — | 1 partnership |
| 5 | Mitek Provider of AI-driven solutions for identity verification and fraud prevention | $156M | 64 mo ago | 590 590 → 765 (+30%) | 1985 | Ed West CEO | 882 patents Automated saw and lumber processing systems for wood construction and modular building. | — |
| 6 | Sure Insurance as a service platform for insurance carriers and other businesses | $123M | 56 mo ago | 80 | 2013 | Jarod Kolman Co-Founder | — | — |
| 7 | GreenBox POS Software and hardware PoS solutions to businesses for accepting crypto payments | $83M | 55 mo ago | 110 | 2016 | — | — | — |
| 8 | ImageWare Systems Provider of cloud-based multi-modal biometrics systems | $67M | 66 mo ago | 26 | 1987 | Jim Miller Chairman & CEO | — | — |
| 9 | Gain Credit Tech-forward lender providing responsible credit solutions with innovative technology and data science | $65M | 155 mo ago | 353 353 → 212 (-40%) | 2003 | Steve Biafore Founder | — | — |
| 10 | CIRE Equity Real Estate Investment platform 50Talent top 15%Product top 35%Innovation top 38%Funding top 43% All 7 signals ▾Talenttop 15% Producttop 35% Innovationtop 38% Fundingtop 43% Markettop 50% Globalbottom 36% Techbottom 21% Talent: Analyst team rating 5/5 Product: 3 distinct product lines · Company stage: Series B rank vs industry peers · Fliar Intelligence Index 50/100 | $64M | 14 mo ago | 43 | 2010 | — | — | 3 job openings · 1 award |
| 11 | TaxJar Cloud-based tax calculations & compliance solutions for small businesses | $63M | 89 mo ago | 200 | 2013 | — | — | — |
| 12 | Givebutter Cloud-based fundraising platform for nonprofit organization | $57M | 25 mo ago | 64 | 2016 | Max Friedman Co-Founder & CEO | — | — |
| 13 | Trovata Provider of a platform for treasury management and cash flow automation | $57M | 48 mo ago | 104 104 → 82 (-21%) | 2016 | Brett Turner Founder / CEO | 12 patents Financial data analytics platform with NLP-driven cash forecasting and cooperative resource pooling | — |
| 14 | Mosaic Financial analysis and budget management solutions for businesses | $46M | 36 mo ago | 109 | 2019 | Joseph Garafalo Founder | 394 patents Fertilizer manufacturing and processing, including potash handling, ammonia synthesis, and coating technologies. | — |
| 15 | Closing Data and technology service provider for estimating the closing cost of real estate transactions | $45M | 77 mo ago | 101 | 2005 | — | — | — |
| 16 | Black Mountain Systems Asset management solutions | $45M | 106 mo ago | — | 2007 | Marc Scheipe CEO | — | — |
| 17 | Trust and Will Cloud based platform offering legal will planning solutions 82Patents top 12%Tech top 16%Innovation top 20%Funding top 24% All 13 signals ▾Patentstop 12% Techtop 16% Innovationtop 20% Fundingtop 24% Moattop 26% Talenttop 28% Growthtop 35% Producttop 40% AItop 45% Marketbottom 45% Globalbottom 42% Customersbottom 36% Newsbottom 18% Patents: 263 patents matched (strict assignee match) · 175 filings since 2022 vs 81 in 2017-21 Tech: 81 technologies across 7/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 82/100 | $40M | 13 mo ago | 24 | 2017 | Daniel Goldstein Co-Founder & COO | 263 patents Biotech patents covering viral diagnostics, stem-cell organoids, gene‑RNA therapies, and cellular immunotherapy. | 1 partnership |
| 18 | ID Analytics Credit risk solutions using alternative data for informed lending decisions | $35M | 229 mo ago | 128 | 2002 | — | 56 patents Distributed data transfer and analytics platform for healthcare data visualization and interest ranking | — |
| 19 | Accel Robotics Provider of AI-based automated checkout solutions for offline retailers | $35M | 80 mo ago | 2 | 2015 | Brandon Maseda Co-Founder & CEO | 47 patents AI-driven visual inventory and smart-shelf sensing for automated retail store management | — |
| 20 | Figtree Financing PACE financing provider for property owners. | $30M | 122 mo ago | 152 | 2010 | — | — | — |
| 21 | Clearspeed Provider of AI and voice-based risk assessment platform | $27M | 11 mo ago | 100 | 2016 | Kurt Martin Co-Founder | 2 patents Audio sample quality control and assessment in digital sound processing | — |
| 22 | Condor Software-based financial management platform for clinical industries 29Funding top 27%News top 29%Talent top 38%Tech top 45% All 9 signals ▾Fundingtop 27% Newstop 29% Talenttop 38% Techtop 45% Moattop 48% Innovationbottom 46% Productbottom 45% Globalbottom 32% Marketbottom 21% Funding: Raised $24.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) News: 3 BI events in 12 mo (of 5 tracked, 3 types) · +200% YoY rank vs industry peers · Fliar Intelligence Index 29/100 | $24M | 3 mo ago | 8 | 2003 | John Sammataro Co-Founder | — | — |
| 23 | Blooma AI AI-based loan origination platform | $21M | 60 mo ago | 34 | 2018 | Shayne Skaff Co-Founder & CEO | — | 1 partnership |
| 24 | Payroll Integrations Provider of payroll management solutions for enterprises | $20M | 31 mo ago | 21 | 2015 | — | — | — |
| 25 | Dealstruck Online platform for business loans | $20M | 134 mo ago | 15 | 2012 | — | — | — |
| 26 | Mulligan Funding Provider of SME loans | $15M | 37 mo ago | 197 | 2008 | — | — | 2 partnerships |
| 27 | Endeavor Bank Consultative banking solutions for businesses, focusing on community and impactful relationships | $15M | 50 mo ago | 53 | 2015 | Robert Horsman Co-Founder | — | — |
| 28 | FMG Suite Omnichannel marketing platform for the financial industry | $15M | 97 mo ago | 294 | 2011 | — | — | — |
| 29 | SprinkleBit Social investing platform. | $13M | 124 mo ago | 11 | 2011 | — | — | — |
| 30 | Onramp Invest Cryptoasset management solution for financial advisors | $13M | 49 mo ago | 27 | 2018 | — | — | — |
| 31 | Yembo Provider of AI-powered virtual survey and inspection solutions for industries | $13M | 61 mo ago | 57 | 2016 | Zach Rattner Co-Founder & CTO | 65 patents Real-time 3D digital twin creation and privacy-preserving visual data processing | — |
| 32 | Alpha Trai Algorithmic trading software for multiple assets | $12M | 48 mo ago | 21 | 2017 | — | — | 1 launch |
| 33 | ReverseVision Loan life cycle management solutions for reverse mortgages | $11M | 161 mo ago | 26 | 2007 | — | 8 patents Privacy-preserving loan document handling and automated mortgage application error correction | — |
| 34 | Atomic Insights Provider of payment workflow automation software for registered investment advisors 48Funding top 37%Talent bottom 45%Global bottom 33% All 3 signals ▾Fundingtop 37% Talentbottom 45% Globalbottom 33% Funding: Raised $10.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Talent: 1 named leader on record rank vs industry peers · Fliar Intelligence Index 48/100 | $10M | 5 mo ago | — | 2023 | Lucas Babbitt Co-Founder & CEO | — | 3 launchs |
| 35 | Semantic Intellect Provider of a semantic image analytics platform for enterprises and government | $10M | 84 mo ago | 47 | 2001 | Richard Harrison CEO | — | — |
| 36 | FutureProof Online climate risk analytics platform for institutions | $10M | 49 mo ago | 23 | 2019 | Alex Gelber Co-Founder | — | — |
| 37 | Matcherino Esports platform empowering organizers with monetization, engagement, and streamlined event management | $7M | 82 mo ago | 30 | 2015 | — | — | — |
| 38 | Ando Digital bank for individuals | $6M | 55 mo ago | 33 | 2020 | JP McNeil Co-Founder & CEO | — | — |
| 39 | Xifin Cloud-based billing & revenue cycle management solutions for diagnostic service providers | $6M | 9 mo ago | 861 861 → 719 (-16%) | 1997 | Lale White Executive Chairman and CEO | 4 patents AI-powered multimodal medical image analysis and automated diagnostic recommendation with visual annotation | 2 internships |
| 40 | Xilo Agency management solutions for insurance agents | $6M | 16 mo ago | 46 | 2017 | Eli Zaragoza Co-founder & President | — | — |
| 41 | Bitmo Mobile payment and reward points application | $6M | 86 mo ago | 16 | 2015 | — | — | — |
| 42 | BrightScope Market intelligence for financial services, empowering growth through data and insights | $6M | 165 mo ago | 90 | 2008 | — | — | — |
| 43 | Cardiff Online lending solution for small business loans | $6M | 6 mo ago | 19 | 2010 | — | — | — |
| 44 | LoanHero A loan origination marketplace. | $5M | 124 mo ago | 20 | 2014 | — | — | — |
| 45 | VECKTA Cloud-based microgrid turnkey control solutions provider | $3M | 47 mo ago | 20 | 2019 | Tristan Jackson Co-Founder & CSO | — | — |
| 46 | Crypthulhu Online platform that develops the NFT gaming ecosystem | $3M | 47 mo ago | 8 | 2021 | Mark Smith Co-Founder & CTO | — | — |
| 47 | Ascent Online platform for education loans | $3M | 4 mo ago | 105 | 2003 | Ken Ruggiero Co-Founder & CEO | 71 patents Design and integration of HVAC ventilation components and ultrasonic transducer technologies | — |
| 48 | ImageWare Cloud based platform offering multi model biometric solutions | $2M | 53 mo ago | 20 | 1987 | — | — | — |
| 49 | PINS Advantage Insurance risk management software | $2M | 34 mo ago | 11 | 2000 | — | — | — |
| 50 | CamerEye Provider of AI-enabled pool safety and surveillance systems | $1M | 32 mo ago | 13 | 2020 | Sai R Founder & CEO | — | — |
Top 12 FinTech companies in San Diego
#1
Series A · San Diego, California · founded 2003 · 8 employees$24Mraised▾
Software-based financial management platform for clinical industries. It automates and manages clinical accruals, financial insights, cash planning, accruals, financial planning, analytics, audits, scenario cash planning, and more. It also offers solutions for vendor management, document management, and more.
- Mar 2026Series A$24M
#2
Seed · San Diego, California · founded 2023$10Mraised▾
Provider of payment workflow automation software for registered investment advisors. It offers tools for money movement and client payment centralization using custodian APIs. The software provides cashflow reporting, combining data from multiple sources. It also features integrations with CRM and portfolio management tools, and facilitates onboarding with custodian API account data.
- Jan 2026Seed$10M
#3
Series B · San Diego, California · founded 2021 · 31 employees$317.5Mraised▾
Developer of an online platform for home equity loans. It enables users to obtain financing options by providing future property appreciation as collateral. It requires users to add their details to apply for the loan. Once approved, the funds are transferred to the registered bank account.
- Oct 2024Series B$300M
- Jan 2023Series A$11.7M
- Apr 2022Seed$5.8M
#4
Kyriba 🦄Acquired · San Diego, California · founded 2000 · 334 employees$158.7Mraised▾
Provider of cloud-based platform for treasury, risk, payments, and working capital. The platform unifies enterprise data and automates liquidity, moving and controlling it. It increases financial resilience by reducing risk exposures and improving business continuity. The platform forecasts cash, liquidity, and risk exposures with accuracy. It helps make data-driven liquidity decisions when managing investments.
- Oct 2024Series E—
- Sep 2017Series E$45M
- Dec 2016Series D—
- Aug 2016Series D$23M
#5
Series C · San Diego, California · founded 2017 · 24 employees$39.5Mraised▾
Cloud based platform offering legal will planning solutions. The platform enables users to create and manage wills and forms to solve legal issues. It allows users to fill the questionnaire and access the forms. It also helps families in creating personal wills. It is available on subscription based pricing model.
- Apr 2025Series C$4.5M
- Mar 2025Series C$25M
- Jan 2024Series B—
- Feb 2023Series B$15M
#6
Series C · San Diego, California · founded 2003 · 105 employees$3Mraised▾
Online platform for education loans. It offers a platform that enables students to pay for college fees and boot camps. It also provides a partner portal that enables schools and educational institutions to join and provide financing options to the students. It features customized loan options, rewards, scholarships, and more.
- Feb 2026Series C$45.7M
- Jun 2025Series B$10M
- Mar 2022Series B$22.4M
#7
Series B · San Diego, California · founded 2010 · 43 employees$64.1Mraised▾
CIRE equity is a platform for private real estate investment. It helps to build investment strategy through assisting to buy right, leverage network, target specific market, ensures flexibility, enhances value and focuses on niche. It also provides investment philosophy and acquisition criteria.
- Apr 2025Series B$16.8M
- Mar 2019Conventional Debt$47.3M
#8
Series D · San Diego, California · founded 2016 · 100 employees$27Mraised▾
Provider of AI and voice-based risk assessment platform. It provides a platform that supports businesses in voice analytics to track risks and alert users on possible fraud. It offers data to its users to support customer experience. It leverages AI technology for identifying conversational fraud analysis. It also provides tools for identifying financial fraud, security risks, IP theft prevention, supply chain compliance, transaction or individual vetting, and more.
- Jun 2025Series D$60M
- Oct 2022Series C$27M
#9
Funding Raised · San Diego, California · founded 2010 · 19 employees$5.7Mraised▾
Online lending solution for small business loans. It offers multiple business financing products including working capital loans, equipment leasing, lines of credit, invoice factoring, and SBA loans. Interest rates are determined by multiple factors such as personal credit, business history, revenues, and industry type. It also offers corporate credit cards for managing personal and business expenses. It serves industry verticals including trucking business, dental practice, and restaurants.
- Nov 2025Conventional Debt—
- Aug 2022Conventional Debt$5.7M
#10
Acquired · San Diego, California · founded 1997 · 861 employees$6Mraised▾
Xifin is a cloud-based billing & revenue cycle management solutions for diagnostic service providers. It features a business intelligence platform to link healthcare stakeholders in the delivery and reimbursement of care and optimizes both business and patient outcomes. It offers to increase in patient payments, reduces errors in billing data, improves staff productivity and streamline revenue cycle management, enhances patient satisfaction, and reduce bad debt and billing costs.
- Sep 2025Series B—
- 2004Conventional Debt—
- Oct 2001Series A$6M
#11
Series A · San Diego, California · founded 2017 · 46 employees$6Mraised▾
Xilo is an agency management solutions for insurance agents. It provides solutions for insurance quoting, customer relationship management, sales, and more. It also offers data management solutions, rating engine and more.
- Jan 2025Series A$7.2M
- Dec 2020Seed$6M
#12
Series A · San Diego, California · founded 2016 · 64 employees$57Mraised▾
Cloud-based fundraising platform for nonprofit organization. Users can create customizable donation forms, fundraising campaigns, and event pages. The platform supports various payment methods, including Apple Pay and Google Pay. It allow nonprofits to manage donor relationships which includes tracking donor history, segmenting lists for targeted communication, and generating custom reports. The platform provides real-time engagement tools, automated messaging, and analytics to measure the impact of fundraising. It also offers auction-based fundraising solutions.
- Apr 2024Series A$50M
- Jun 2022Seed$7M
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.