Finance Startups funded by Y Combinator (YC) 2026

Maywood automates deal execution for investment banks, from decks to diligence The Maywood platform automatically generates finished, on-brand CIMs / presentations, models, and diligence responses that prioritizes editability and auditability, with best-in-class security ensuring information stays protected. Maywood reinvents the deal process with a single, living workspace for every deal.

Forum is building the first regulated exchange to trade on cultural attention. We create indices from search, social, and streaming data to measure what the world cares about, enabling users to go long or short on changes in relevance. Attention is the primary driver of business success in the digital age, but it has never been directly tradable. Forum introduces attention as a new asset class for managing cultural and demand risk.

o11 brings extreme operational efficiency to teams of any size. Seamlessly integrated into every Microsoft 365 tool, o11 transforms your documents, decks, spreadsheets, and files into a dynamic knowledge layer that drives research, modeling, and client ready deliverables with consistent precision. We're the first company to build a full-featured AI native execution layer within the entire Microsoft 365 suite. o11's services are available to financial firms, enterprise organizations, and Office 365 power users.

Goldbridge is building the financial operating system for the largest asset class in the world – real estate. More than $1T in rent flows through landlord bank accounts annually, with roughly a quarter locked in idle reserves and security deposits – and billions more leaking from unnecessary property expenses. And with $2.5T in real estate loans about to mature in 2027/28, property owners are desperate to boost their income ASAP. Goldbridge solves this problem by creating the first AI-powered banking platform for real estate owners. We are backed by Y Combinator and other world-class investors, and our founding team includes a 2x YC founder, former White House advisor, and 100-unit real estate owner/operator with deep industry expertise. Come help us redefine the future of real estate.

We make your agents pay. As agents evolve from tools into dependable, autonomous actors, they’ll need the ability to execute open-ended workflows end-to-end. This inevitably means payments: accessing paywalled data, transacting for services or with other specialist agents. But autonomy requires guardrails. Businesses and developers will need a way to ensure their agents only spend how much and on what they’re supposed to. The machine economy is coming, and Locus (YC F25) is building the connector businesses will need to participate. We connect agents securely to funds, letting you define permissions and limits for every transaction. Each payment is traceable, auditable, and fully reconcilable with your existing financial stack.

Crunched is the Excel AI analyst for power users - in consulting, investment banking, and private equity. It error-checks workbooks end-to-end, builds models from scratch, and handles grunt work like extracting and linking data from IMs to template models - all within Excel so teams can review and iterate as usual. Agents struggle with tabular data - getting reliable, multi-step execution over thousands of interlinked formulas, sheets, and ranges is hard. Making Crunched good enough for people who live in Excel means knowing the pain points deeply. Michael and Philip has 10,000+ hours in Excel across consulting and finance. Markus and Lars bring deep expertise in scaling AI and enterprise solutions. We've had easy access to first customers and are already live with firms across six European countries - we now plan to expand into the US. With >1bn total Excel users, we focus on the top 2%, highest-value Excel users globally. We're solving one pain point at a time to create a product that doesn't just look good in a demo but actually works in production. Excel is here to stay, but the way experts model is fundamentally changing - with Crunched.

Selfin is developing AI-powered banking. Users can enjoy personalised recommendations and optimisations of their finances by connecting all their financial products on a single platform.

We're building the first AI email client for accounting. We're starting with accounts payable, because we learned that AP teams spend 80% of their day just in the inbox— that's 4x more time than actually processing invoices. Our platform equips you with agents that handle everything: triaging emails, managing multiple mailboxes, responding to vendor and internal inquiries, processing and matching invoices, onboarding vendors, and detecting fraud. Find out why customers choose Mod AI to manage their AP at usemod.ai. Backed by the first investors in Airbnb, DoorDash, and Dropbox.

Serafis is a search and discovery engine for long-form content. Our AI knowledge graph turns under-indexed data into structured market intelligence — starting with podcasts. We help investors and operators: • Accelerate research • Surface new insights • Distill signal from noise We are already live with 12 organizations managing over $70B in capital. Our library features >10,000 curated transcripts featuring top investors, Series A+ founders, and public company CEOs — searchable by person, company or theme.

BitBoard is an AI-first spreadsheet that lets you build, update, and analyze spreadsheets via agent chat. Handle complex modeling and analysis 10x faster without giving up direct cell-level control when you need it. We wanted the most capable agent and seamless UX, so we built an agent and spreadsheet to work together instead of bolting chat onto a legacy app.

Tejas AI eliminates uncertainty, allowing decision-makers to develop and evaluate credit rules more quickly and effectively.

TamLabs transforms Microsoft Word into an AI-native document editor. Our plugin enables instant document changes with git-style previews, automated comment implementation, and formatting preservation.

We started Trace because we believe AI should wow customers, not frustrate them. As a result, we prioritize reliability and seamless customer interactions. Trace AI agents resolve calls end-to-end, securely integrating with bank systems and external APIs. So far, our agents handle quoting, application, and transaction tracking calls for our partners — but we’re still searching for new exciting use cases. Question to all fintechs/banks: Which customer requests keep coming back to you? We’d love to learn how you handle them now and if they are ripe for automation.

Trata is an AI-powered research desk for hedge funds. We use agents to interview hedge fund analysts, write investment research, and distribute this through a subscription.

Mesh helps finance teams close with confidence when vendor spend is variable and invoices don’t reflect true spend for that period. We use AI to understand and consolidate vendor and stakeholder context — across emails, internal messages, and historical invoices — into a clear view of incurred, prepaid, and incoming vendor costs. This gives teams early, reliable visibility into true spend, so budgets, runway, and close are driven by actual business activity rather than invoice timing or manual guesswork. Mesh is built for finance teams managing large, complex vendor bases where spend is unpredictable and timing mismatches create risk at month-end.

finbar is the AI investment analyst used by several top-20 (AUM) hedge funds. It automates financial modelling, research, and data analysis so multi-million-dollar decisions can be made 100x faster.

Keye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha. -- Our system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions. -- Keye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.

Enterprises are paralyzed by the risks of deploying generative AI. Traditional methods like RAG and fine-tuning are brittle, expensive, and fail to prevent costly hallucinations or guarantee compliance in high-stakes environments. This lack of trust stalls innovation and blocks ROI. CTGT ensures strict, auditable adherence to your policies on the fly. We deliver defensible audit trails and remediate noncompliant model behavior, so outputs become more aligned with company policies over time, combating data and model drift. CTGT is backed by Google's AI fund (Gradient), General Catalyst, and luminaries like Paul Graham. We provide the control and confidence necessary to unlock the full potential of enterprise AI.

We’re a research lab that puts its ideas to the test in one of the most complex, information-rich environments in the world: the financial markets. If you care about learning systems, clean abstractions, and applying research in the wild - we’re hiring.

Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money

PathPilot is the AI platform powering the next generation of financial operations. We build fintech-specialized AI agents that automate the most critical and manual workflows — loan origination, customer support, onboarding, collections, and regulatory oversight — so financial institutions can scale with confidence.

Modus helps companies hire and retain only the people they need instead of becoming bloated messes. Modus connects your HRIS, ATS, and analyzes extensive data across your organization so leaders can detect, inspect, and correct their workforce plans - without relying on spreadsheets or complex systems. Lin experienced these challenges firsthand as a VP BizOps at HashiCorp, scaling from 100 employees to IPO, while Chris and Amar faced similar issues scaling 40+ person teams as a fractional CTO. They’re motivated by the belief that companies should have the least number of employees possible.

Lumenary develops Solar, a tool to build full-stack apps alongside many LLMs on a canvas, where you can freely remix features and try design variants. We provide infra (auth, DBs, storage, servers), or you can integrate with your own. Deploy in a click. Lumenary was founded by three best friends who met at Dartmouth, with experience from Jane Street, IMC, and Palantir. They've published research in venues like NeurIPS, and have deployed software managing billions of dollars, petabytes of data, and a lot of LLM tokens.

LedgerUp is your AI billing teammate for B2B SaaS, transforming contract-based billing from a chore into a frictionless, revenue-accelerating process. We parse contracts, issue invoices, and collect payments in real-time, all while surfacing actionable analytics, allowing your finance team to escape spreadsheet chaos and focus on strategic growth. Just close deals and let us handle your billing for you.

Benchify provides an execution layer for healthcare contracts, applying contract logic across audits, claim processing, and optimization. Payments are calculated correctly today, while contract performance becomes measurable and improvable over time.

Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. Clients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. Sebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.

Elevate is bringing AI to private equity-backed roll-ups. For example, one of our customers is Guardian Restoration Partners, which is backed by Alpine Investors, the leading roll-up focused private equity firm. In three months, we integrated 10 acquisitions and enabled them to pilot AI agents built on top of our data warehouse. We know this problem personally. Before Elevate, Scott was a Vice President at a $15B private equity firm where he was leading a roll-up. Steve and Jeff are both software engineers with backgrounds across finance, big tech, and start-ups. The founding team has been friends for over a decade from their Duke undergraduate days.

FINNY is building a new operating system for independent financial advisors, and starting by helping them grow. Our goal is to empower the best financial advisors (the independents!) to serve all Americans who want financial advice. We are starting with growth, which is the most existential problem advisors face. The organic growth process is highly inefficient and full of noise. Advisors often waste 60 hours of business development to convert 1 new client. At FINNY, we are certain we can do better with AI. With our tool, advisors can: - Identify prospects within their target niche, aggregating thousands of data points per lead - Prioritize prospects based on their predicted likelihood of converting, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, doing all the work for the advisors, and letting them focus on what actually matters, the client relationship.

Clarum is an investment due diligence and research platform designed for private equity investors. It connects directly to a firm’s data sources, structures key financial metrics and deal terms, and performs analysis with AI across Excel, Word, and PowerPoint—mirroring the approach of an associate conducting due diligence. Clarum is trusted by private equity firms, family offices, venture capital groups, and consulting teams. We automate major parts of the diligence workflow, enabling faster insights and better risk coverage.

Team: Chaz: Founder of Fat Llama YC S17 - Acquired by Hygglo. Responsible for Business and Sales Arns: Founder of Fancy S20 - Acquired by Gopuff, Responsible for tech and product.

At Omni, we’re rebuilding how banks and fintechs lend to small businesses. There are 34 million small businesses in the U.S., yet getting a loan still means weeks of emails, PDFs, and paperwork. Every deal starts with a pile of documents — tax returns, bank statements, corporate filings, and contracts that no one wants to read but everyone depends on. Omni is changing that. We work directly with lenders to modernize the entire stack, from document intake to underwriting, and we’re doing it with a small, fast-moving team that ships real systems used in production every day.

Casca is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. Our solutions streamline the entire loan process—from customizable application forms and secure applicant portals to AI-powered assistants, automated document collection, KYB checks, and underwriting. We’ve found product market fit and are scaling our team very quickly. Small businesses are the heart of the American economy. Many banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes. We unlock affordable, quick bank funding for the 30M+ small businesses in the US who would otherwise be subject to the high interest rates from predatory online lenders. We are a world-class team of banking & AI experts from Stanford, MIT & Y Combinator. We like to win and we know that the only thing between us and the title is our own ability to improve every day.

Palomma builds vertical AI agents and payments for residential property managers and developers to help them sell more and automate their operations. Their first three agents focus on inbound leasing, outbound sales and collections (+ embedded payments).

Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.

Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.

RaptorGrid generates investor-ready decks, CIMs, and board materials in minutes instead of days.

There are billions of dollars of hospital waste caused by inefficient, disconnected supply chains and finance data. Today, clinics are facing unprecedented backorders, recalls, and purchase verticals (medical devices, SaaS, security, commodities). We are building a single product to 10x a fragmented industry with each tool built almost 20 years ago.

Mantys helps SaaS companies calculate and forecast their ARR accurately in real time without using multiple spreadsheets. For example, NextBillion uses Mantys to pull data from HubSpot and Chargebee and create real-time views of their Contracted ARR, Billed ARR, Churn, and forecasted ARR

Metal is building the world’s most powerful intelligence platform for private market investors. We support deal teams throughout the investment lifecycle - from market research and sourcing to diligence and post-close. Top-tier funds like Berkshire Partners and Clearlake Capital already rely on Metal to move faster and make smarter investment decisions - and we’re just getting started. If you're excited to transform how private investors work, collaborate, and make decisions, we’d love to meet you.

Benchmark is the trusted AI platform for investment firms. Today, leading firms use Benchmark to screen deals, extract insights from unstructured data, and automate workflows. Our platform combines cutting-edge AI with deep industry expertise to help investment firms make smarter, faster decisions across their entire deal lifecycle.

Automating call center operations at debt settlement companies, with AI that plugs into CRM, identifies debts to settle, and negotiates with creditors over the phone.

Numeral is the fastest, easiest way to stay compliant with US sales tax and global VAT. Trusted by 2,000+ businesses, including Eight Sleep, Ridge, and Manus, our end-to-end platform keeps our customers compliant wherever they sell, with registrations, filings, calculations, and ongoing compliance support. Numeral’s AI-native solution covers more than 70 countries and tens of thousands of jurisdictions and is built for accuracy and scale.

Mulligan is an end-to-end AI automation platform for commercial insurance brokers. Automates quoting, policy checking, proposals and more by up to 90%. Start for free at usemulligan.com

Fintool.com is a financial copilot for institutional investors. It’s ChatGPT on top of financial documents. Fintool is engineered to discover financial insights that are beyond the reach of human analysis or search software.

Pivot helps you visualise, analyse and model your company's financial data way faster than Excel.

Capix makes finding private equity firms fast and accurate by aggregating and enriching data from multiple sources into one customizable platform.

Rima is an AI reconciliation assistant for accountants that enables them to complete complex reconciliations in minutes instead of hours We are on a mission to build the automation layer for reconciliation for every ERP and payment system.

Levers is an accounts receivable management SaaS that helps B2B companies reduce overdue payments, accelerate cash collection, and boost cashflow. Our software integrates with your accounting system and streamlines your AR process using personalized reminders, cross-team collaboration tools, collection performance analytics, and more.