Finance Startups funded by Y Combinator (YC) 2024

February 2024

Browse 41 of the top Finance startups funded by Y Combinator.

We also have a Startup Directory where you can search through over 4,000 companies.

  • Razorpay
    Razorpay (w2015)Active • 2,700 employees • Bengaluru, Karnataka, India
    The journey of building the ecosystem from scratch started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) were working on a crowdfunding portal project for India, they soon realized that most of the online payment gateway solutions were extremely cumbersome to get started on, especially for startups and SMEs. The company was surprised to see that the simple process of accepting payments was not streamlined. So they went about building an ecosystem from scratch with a hyperfocus on making the lives of businesses simpler and that's how Razorpay was born. The company witnessed the dismal state of the online payments industry in India and understood that they have a larger and more important issue to solve - democratizing payments for Indian businesses, particularly the underserved market, the SMEs. Razorpay today powers online payments for 34 of the 42 startups in India that became unicorns in 2022. Razorpay enables payments and banking solutions for over 10Mn businesses, including the likes of Facebook, Airtel, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme, TataConsultancy Services, Swiggy, CRED, BookMyShow, Ola, Zomato, Swiggy, ICICI Prudential among others. The core premise of the vision and values that Razorpay was founded in 2014 is the same as the organization practices today. It is to make money movement simpler and easier. Razorpay is on the path of building the Central Nervous System of Digital India, the next-gen payments and banking infrastructure for Digital India. The company will continue building an ecosystem that will not just build intelligent products that will make the lives of businesses easy and efficient but also drive financial growth and innovation for small businesses. All this is being done, together, in collaboration with banks, regulators, and stakeholders so that India can build a better place for doing business. Razorpay’s valuation jumped from $1 billion to $7.5 billion in just 14 month in 2021 and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. Razorpay plans to further scale up its Business Banking Suite, RazorpayX, and again build new banking solutions in 2023 that will help businesses focus less on handling compliance, operations and more on growth. This commitment to make lives simpler will continue at a much deeper level now, thanks to the opportunity to make acquisitions with like-minded companies. In total, till date, Razorpay has made seven acquisitions over the course of time: Acquired Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading fintech startup that provides payments-linked loyalty solutions to payment networks, banks, and businesses, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A Recurring revenue platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions. RazorpayX Payroll in 2019 - a Payroll and HR Management Software company, to solve for seamless automation of a business’s entire payroll process, and Thirdwatch in 2019 - an Artificial Intelligence (AI) driven company specializing in big data and machine learning for real-time fraud prevention. Customer has always been at the core of all disruption that the company does, from addressing evolving needs to delivering new solutions: - This hyperfocus helped bring Razorpay’s several Industry first innovation into the market since 2014. Razorpay became the first to launch completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automating payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience. - Razorpay expanded health insurance policy to include LGBTQIA+ and Live-In Partners- This industry-first move made Razorpay the first Fintech unicorn in India to introduce a thoughtfully diverse and highly inclusive insurance policy for its team members. The new insurance policy, introduced recently, is applicable to all current team members of Razorpay.
    payments
    finance
    india
  • Ottimate
    Ottimate (s2015)Active • 120 employees • New York, NY, USA
    Plate IQ makes accounts payable simple. Automated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.
    fintech
    finance
  • OkCredit
    OkCredit (s2018)Active • 70 employees • Bengaluru, Karnataka, India
    Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! The 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper! OKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. We have changed the way the MSMEs record the transactions and eased their life today.
    finops
    fintech
    payments
    finance
    india
    smb
  • Pointhound
    Pointhound (s2023)Active • 4 employees • San Francisco, CA, USA
    Pointhound makes it easy to earn and redeem your credit card points for free flights. We're driven by our mission to make the world more accessible through travel.
    artificial-intelligence
    finance
    travel
    airlines
    search
  • Cascading AI
    Cascading AI (s2023)Active • 3 employees • San Francisco, CA, USA
    Casca is building AGI for banking. We are replacing 30+ year-old legacy technology with AI-native systems of record that automate 90% of the manual work humans used to have to do. Our first product is an AI-native Loan Origination System - with a built-in AI Agent, called Sarah. Sarah communicates with small business loan applicants via email or sms, guides them through the application process and prepares the loan file for a human underwriter. Why? Small businesses are the heart of the American economy and a lot of banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes and unlocks affordable, quick bank funding for the 30M+ small businesses in the US as opposed to the high interest rates from online lenders.
    artificial-intelligence
    conversational-banking
    fintech
    machine-learning
    finance
  • Blue Onion Labs
    Blue Onion Labs (s2020)Active • 20 employees • New York, NY, USA
    We integrate via API across a company’s stack to trace and reconcile millions of financial transactions across multiple systems, providing the functionality of a legacy ERP system without the time and cost of a traditional implementation.
    machine-learning
    finance
  • Apero Health
    Apero Health (s2019)Active • 24 employees • San Francisco, CA, USA
    We help healthcare companies run their practices. Eligibility, BI, claims, patient payments? Shoot us an email at founders@aperohealth.com Apero is a Y-Combinator-backed startup based in San Francisco bringing transparency and ease to medical billing. As one of the top startups from the Summer 2019 Y Combinator batch, we have raised from well-known investors including the creator of Gmail Paul Buchheit and the founders of Doctor on Demand, Gusto and Reddit, and serve startups that have raised over $1B in Venture Capital. The founding team are Stanford CS and Berkeley grads and include the CTO of Doctor on Demand having helped raised $240m and process millions of video calls. We are also hiring for engineers and product-minded operations people interested in giving price transparency to patients and providers. We serve practices nationwide, and integrate with leading EHRs as well.
    health-tech
    finance
    digital-health
    enterprise-software
  • Levro
    Levro (s2021)Active • 12 employees • San Francisco, CA, USA
    Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking. If you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com
    fintech
    payments
    finance
    b2b
    international
  • GovernGPT
    GovernGPT (w2024)Active • 2 employees • Toronto, ON, Canada
    We help asset managers modernize fundraising and investor relations by automating investor updates like DDQs and RFPs.
    artificial-intelligence
    finance
    b2b
    investing
    ai
  • AlphaWatch AI
    AlphaWatch AI (w2023)Active • 4 employees
    AlphaWatch AI is a research and analysis platform designed for hedge funds and private equity firms. By using custom LLMs, specialized embedding models, and integrating with both trusted external data sources and secure private data, AlphaWatch AI offers a reliable chat interface that cites its sources, saving financial professionals time on research. We aim to solve a very real pain point: data is currently disjointed, and hedge funds spend anywhere from 250k to 1M on data costs. While LLMs should solve a research problem, their results are prone to hallucinations and don't include internal information. With efficient data integration and valuable insights, AlphaWatch AI is enhancing the way financial institutions access essential information and make informed decisions while maintaining data privacy
    generative-ai
    finance
    workflow-automation
    enterprise
    ai-assistant
  • Onnix
    Onnix (s2023)Active • 3 employees • New York, NY, USA
    Onnix turbo charges bankers to quickly get through end-to-end core workflows by connecting with their data sources to provide a no-code solution that uses LLM prompts to get answers, conduct or review data analysis, and output to slide decks in a team’s custom format.
    artificial-intelligence
    fintech
    generative-ai
    finance
    b2b
  • Aleph
    Aleph (s2021)Active • 14 employees • New York, NY, USA
    Aleph helps top finance teams work with their data in real time. Businesses can automate financial models and streamline budgeting and forecasting with the fastest-to-implement FP&A platform. Aleph eliminates the need to export data from multiple sources by syncing spreadsheet models with data from 150+ integrations, and allows teams to interact with their data in no-code dashboards. From annual budgeting to ad hoc reporting, scale your financial processes faster with better data without expanding your team. See why over 90% of people who start a trial with Aleph become customers!
    finance
  • OctaveWealth
    OctaveWealth (s2012)Active • 2 employees • San Francisco, CA, USA
    We’ll build the 401(k) you need to help attract and retain talent. OctaveWealth is operated by Quillu Inc, an SEC registered Investment Advisor.
    finance
    investing
  • Thrive Agric
    Thrive Agric (w2019)Active • 227 employees • Abuja, Nigeria
    We have created a market place that enables the sales of agro-commodities locally and internationally while providing rural farmers with all the resources they will need to grow crops like loans to but inputs and the needed extension services for better insights.
    finance
    agriculture
  • Piggy
    Piggy (s2017)Active • 2 employees • Mumbai, Maharashtra, India
    Experience an easy way to make Investments in Mutual funds in India. Easiest platform to make mutual fund investments in India. Because you need to make Investments, be it just to park your cash short term to earn better returns, or to invest for your goals or retirement, we've made an easy to use platform for you where you can invest in any fund in India in few clicks and have track your existing investments. Furthermore , you make investments without paying any middlemen commissions and make more returns . After all, It is your money. Don't pay too much to others when you can do it on your own. We're on both Android and iOS . download the app to get started https://piggy.co.in
    finance
    india
    investing
  • Feather
    Feather (w2023)Active • 3 employees • New York, NY, USA
    Founded in December 2022 and based in New York City, Feather is the first AI-powered financial research platform. Conventionally, analysts have to painstakingly read dozens of financial filings for each answer in their research process. Feather’s AI saves them 12+ hours per week by acting as a personal research team, deriving actionable insights, with citations, on demand. Meanwhile, Feather’s fundamental data covers all major asset classes, from equities, options, and bonds to commodities, currencies, and macroeconomies. It also covers 100,000 insiders (buys/sells, holdings, etc.) and 20,000 institutions (holdings, transactions, etc.) — truly making Feather a one-stop solution for all financial research. Feather powers trades for both the nation’s top institutions, as well as retail traders worldwide. Sign up for a free trial at https://app.try-feather.com.
    fintech
    generative-ai
    saas
    finance
    ai
  • Chart
    Chart (w2023)Active • 1 employees • New York, NY, USA
    Chart specializes in communication intelligence using Large Language Models (LLMs). We systematically analyze internal and customer-facing communications, including voice calls, emails, and Slack messages. Our platform is versatile, catering to various industries, but our present focus is on the financial sector, emphasizing compliance monitoring and QA analysis. Beyond analysis, we provide tools to manage alerts, construct communication graphs, and more. All these operations are securely conducted within the client's cloud environment, be it AWS or GCP, with our SaaS platform handling the technical intricacies.
    machine-learning
    finance
    b2b
    compliance
    ai
  • Fintool
    Fintool (w2023)Active • 2 employees • San Francisco, CA, USA
    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.
    finance
    trading
    ai
  • dili
    dili (s2023)Active • 3 employees • New York, NY, USA
    Dili is a due diligence co-pilot platform that leverages AI on public and private datasets to help investors make better investment decisions with generative insights and analysis. Using Dili, Investors can enhance and automate their due diligence workflows such as automatically screening deals, generating comps analysis, finding deal killers, managing the due diligence request list process, search across their firm’s entire corpus of deals, and more. https://www.diliai.com/
    fintech
    finance
    b2b
    ai
    ai-assistant
  • Dealwise
    Dealwise (w2023)Active • 3 employees • San Francisco, CA, USA
    Dealwise connects founders looking for an exit with equity-backed buyers looking to acquire SaaS companies. We have the largest repository of SaaS companies with >$1mm in ARR, with verified revenue, EBITDA, funding amount, and other financial metrics. Founders get access to vetted financial buyers, providing them with flexible liquidity options and allowing them to run a more competitive M&A process. Buyers get access to proprietary deal flow that is impossible to source themselves since they lack the scale and network effects of a marketplace.
    fintech
    marketplace
    finance
    b2b
  • Mantys
    Mantys (w2023)Active • 12 employees • Bengaluru, Karnataka, India
    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
    saas
    finance
    b2b
    india
  • CatX
    CatX (s2023)Active • 2 employees
    CatX is a digital marketplace connecting insurance carriers with institutional investors to trade and transfer insurance risk efficiently. We help to make insurance risk models understandable and accessible for asset managers so they can unlock new sources of returns. In addition, we streamline and digitalize the entire risk transfer process, so insurers can get faster, cheaper access to capital from our partner funds.
    machine-learning
    finance
    analytics
    insurance
    investing
  • Thera
    Thera (s2022)Active • 8 employees • New York, NY, USA
    All things money movement. Built for global teams. Thera is an ecosystem of apps designed to save you money - Payroll, Banking, Bill Pay. Whether you're looking to use one of our products or the full suite, we've got you covered.
    finance
    b2b
    remote
    payroll
  • Unstatiq
    Unstatiq (w2023)Active • 2 employees • San Francisco, CA, USA
    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.
    health-tech
    finance
    b2b
    supply-chain
  • AiFlow
    AiFlow (w2023)Active • 2 employees • San Francisco, CA, USA
    AiFlow is a CRM tool, specifically tailored for private equity firms, powered by Large Language Models. By auto-updating contacts and leveraging state of the art AI search algorithms, we empower our clients to swiftly pinpoint the key contacts in their network for portfolio customer intros, due diligence, or executive recruiting.
    generative-ai
    saas
    finance
    enterprise
  • Metal
    Metal (w2023)Active • 5 employees • New York, NY, USA
    Metal is an AI application built for fund deal teams and managers. We accelerate a funds deal flow by reducing the effort needed to collect and parse data, perform diligence, and capture key findings.
    artificial-intelligence
    fintech
    finance
    b2b
    ai-assistant
  • Aqua
    Aqua (s2021)Active • 6 employees • New York, NY, USA
    An end-to-end platform that allows financial advisors to put their clients into curated alternative assets without additional operational lift.
    fintech
    finance
    investing
    investments
  • Carousel Technologies
    Carousel Technologies (w2024)Active • 3 employees • 205 W 76th St, New York, NY 10023, USA
    We help investment bankers & consultants review materials faster & with fewer errors. Carousel is a PowerPoint & Excel plugin that enables high-fidelity change-tracking and version control for models & decks. With Carousel, your team will instantly find & review every small change in your 100-page client deck without having to go over it from scratch.
    finance
    b2b
    enterprise-software
  • Double
    Double (w2024)Active • 3 employees • 650 California St, San Francisco, CA 94108, USA
    Double is building a smarter brokerage account for retail investors, combining the best parts of active and passive investing. We allow anyone to build custom ETFs, easily test their performance and automate their trading. Targeting a younger tech forward cohort who are set to inherit $84T dollars over the next 20 years.
    fintech
    finance
    investing
    consumer-finance
    stocks
  • Infinity
    Infinity (w2024)Active • 4 employees • Bengaluru, Karnataka, India
    Infinity is building investment platform specifically designed for small and medium-sized enterprises (SMEs) and startups. Through Infinity, SMEs can optimize returns on their idle cash by investing in customized portfolios featuring government treasuries, exchange-traded funds, and mutual funds. Our goal is to become the go-to banking and investment platform for SMEs, offering a seamless and secure suite of financial services. In a market with over 1 million SMEs in India, with turnover ranging from $1 million to $20 million, the potential total assets under management (AUM) amount to $140 billion, with 7-10% representing idle cash.
    fintech
    finance
    india
    investing
  • Lucite
    Lucite (w2024)Active • 2 employees • New York, NY, USA
    Lucite is a finance productivity software that automates investment banking-style presentations and research. Led by a former investment banker / investor and a former Meta software engineer, the team is changing the finance professional workflow by automating tedious work and unlocking time for analysis and human expertise. Lucite generates presentations for public and private companies by searching the web, analyzing public filings, integrating with financial data sources, and leveraging LLMs.
    saas
    finance
    productivity
    investing
    ai
  • Bilanc
    Bilanc (w2024)Active • 2 employees • London, UK
    Bilanc helps companies measure and improve the profitability of their customers. Bilanc brings finance and customer data together, assigning costs to every customer action. These granular insights can be used to optimize customer acquisition, costs and pricing, ultimately improving profitability.
    finops
    fintech
    finance
    analytics
    data-science
  • Stock Unlock
    Stock Unlock (w2022)Active • 4 employees • New York, NY, USA
    Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.
    fintech
    saas
    finance
    investing
  • Ballerine
    Ballerine (s2022)Active • 3 employees
    Ballerine is an Open-source KYC & risk management infrastructure. How can you use Ballerine? 1. Open-source building blocks (such as UI flows, back office, rule engine, etc.) to customize KYC and risk flows for any use case. 2. Global orchestration of KYC vendors that play nicely with any of our building blocks. 3. For enterprises - compliance coverage as a service. Try Ballerine now at - https://github.com/ballerine-io/ballerine Customizable KYC flow demo - https://simple-kyc-demo.ballerine.app/ Case management demo - https://www.backoffice-demo.ballerine.app/ Hit us up with any questions at founders@ballerine.io
    finance
    open-source
  • Kubefy
    Kubefy (s2022)Active • 3 employees
    Kubefy is a private credit exchange that matches companies with the best non-dilutive financing deals and helps lenders monitor and service private debt transactions.
    banking-as-a-service
    fintech
    finance
    infrastructure
  • Levers
    Levers (s2022)Active • 6 employees • Jeddah Saudi Arabia
    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.
    saas
    finance
  • yearend
    yearend (w2020)Acquired • 7 employees • San Francisco, CA, USA
    YearEnd helps startup employees optimize their equity and taxes, and can also file their tax returns. They simply connect their financial accounts and YearEnd will tell them how much tax they’ll owe and will make recommendations on how to make better decisions. At the end of the year, YearEnd can also file their tax return for them or they can collaborate with their existing tax accountant.
    fintech
    finance
  • Penny (w2017)Acquired • 2 employees • San Francisco, CA, USA
    Penny is a personal finance app that helps you track your income and spending. Penny accesses your statement history—with your permission—and uses that information to help you manage your finances. Whenever you open the app, she’ll chat with you about your finances: letting you know how you’re doing this month, forecasting where you’ll be next month, giving you a heads up about upcoming bills, or even helping you cancel services you don’t use. Penny makes finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming. Penny automatically organizes your finances, explains them simply and clearly, and tells you what you need to know, when you need to know it.
    artificial-intelligence
    fintech
    finance
  • Seawise Capital
    Seawise Capital (w2019)Acquired • 3 employees • New Delhi, Delhi, India
    Seawise Capital is a trade finance company for Indian exporters. We provide SME's working capital against the strength of their international customers. We are able to provide these businesses with collateral-free capital by discounting invoices from their large overseas customers.
    finance
    india
  • Pry Financials
    Pry Financials (w2021)Acquired • 7 employees • San Francisco, CA, USA
    Pry makes it simple for companies to manage their budget, hiring plan, financial models, and cash runway. Today, most people plan for their business once a quarter. It's done in Excel - buggy, boring, confusing, and really time-expensive. A lot of people have tried to solve this and only found moderate success or failed. We're the team to do it right.
    fintech
    finance