Finance and Accounting Startups funded by Y Combinator (YC) 2026

Deel is the all-in-one payroll and HR platform for global teams. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 120+ countries—helping businesses scale smarter, faster, and more compliantly. Discover how Deel makes global work simple at deel.com.

Luca IQ is an API for deterministic tax calculation and an IRS Authorized e-filing engine - the foundation for accounting firms and fintechs building on tax.

Shielded is like wearing a Fitbit for your company's financial and supply chain health. We unify your internal ERP and data systems with external information sources, map how external prices and events flow through to your margins, and continuously track it all. That means opportunities and risks are flagged to you proactively, without the need to dig through and manually aggregate data.

Last Accounting Company (LAC) is a full-stack AI accounting firm. We sell the same service (bookkeeping, tax filings, etc.) as a traditional accounting firm, but underneath agents handle everything and a certified accountant signs off. Our service is faster, cheaper, and fully integrated, allowing our clients to focus on what matters, not accounting admin. LAC replaces both outsourced accountants and legacy accounting software for startups and SMBs. Our system is fully proprietary, from the general ledger to the accounting agents. This allows us to create powerful self-reinforcing loops and ultimately provide a state-of-the-art accounting service.

Billow handles the work of Accounting and FP&A FTEs keeping teams compliant and audit-ready. We work within existing stacks (NetSuite, Coupa, and 80+ other systems) and complex spreadsheets, chasing down information and coordinating approvals across stakeholders. Built by repeat founders; Joan built and exited an accounting/ERP platform (45,000 businesses in 4 years) and Phil built Bloomberg's financial “brain” data infrastructure, and as CTO of a trading platform ($1B in volume). Advisors include CFOs, controllers, auditors from publicly-traded biopharma, and a Big-4 Accounting firm.

Definite is where finance teams build everyday back-office agents on one live model of their books. We plug into your ERP, ledger, payroll, and payments read-only and compile everything into one clean model that stays current as money moves. Your back-office team then builds agents on top in plain English. We never write back and we never move money. The agents are yours, the plumbing is ours. We met in first year computer science at Waterloo and interned at Meta, Optiver, and BitGo. At Optiver they ran an n8n hackathon and the interns automated basically nothing. It couldn't talk to the systems that mattered. When we pitched banks and fintechs on agents, they kept telling us the same thing. The agent isn't the hard part, getting clean data out of their systems is. Right now, automating anything in a back office means engineers hand-stitching data from a dozen sources in different formats on different schedules. Tools like n8n and Workato assume your data is already clean and joined. In finance it never is. So the teams with the most repetitive work and smallest budgets get nothing. The hard part is the compiler. Every source gets cleaned, matched, and joined into one live model of transactions, invoices, vendors, and payments, and it has to stay right as money lands every day. Everyone throws engineers at this. We're doing it once so nobody has to again. Every back office is getting agents eventually. Whoever owns the data they read from owns the thing all of them depend on, and eventually the books themselves. That's what we're building.

Rex is an AI-native service for order to cash. We replace people-heavy operations with AI agents that continuously manage invoices, customers and exceptions. Order to cash is a $60B outsourced function because the work is too messy for traditional automation. Every customer has different context, exceptions do not follow clean rules, and the next step is often buried in emails, portals, handoffs, or someone’s memory. Rex agents run continuously in the background and resolve work to SLA standards so cash keeps moving. We're live with pre-IPO tech companies, managing >$500m in receivables from F100 companies, cutting manual follow-up cycles from weeks to hours. We founded Rex after spending four years building Sequence, an a16z-backed finance ops platform, from zero to Series A — where we saw firsthand that at-scale, O2C still runs on manual labour. Rex is the #1 winner of the Vercel AI Accelerator out of 2,500 teams, selected by Guillermo Rauch and leaders from OpenAI, Anthropic, Browserbase and more.

Arden is the AI-native platform for internal audit and SOX teams. We build AI agents that automatically pull evidence from your stack, test controls end-to-end, and produce audit-ready workpapers in minutes instead of weeks. Internal audit is a massive but underserved market. Every public company in the US is required to do SOX testing, yet teams still run it through spreadsheets and screenshots. Arden is the engine that does this work.

Cohesion is building AI agents for hedge funds. Our agents track earnings and non-traditional datasets like podcasts and X/twitter. Analysts spend hours a week manually tracking these data sources and still miss relevant investing signals. Now, our agents do it for them autonomously.

End Close builds automatic reconciliation for payments companies like fintechs, marketplaces, banks and payroll companies. Reconciliation helps companies track every dollar and resolve every exception, ensuring they have no money loss, can report audit ready financials, and stay compliant. Sean (CEO) spent the last 6 years building the reconciliation org at Modern Treasury (S18), processing a trillion dollars in payments across 40 banks with 99.995% automation. Fast growing companies like Modern Treasury are forced to build a solution in-house or buy a legacy solution. End Close provides a modern reconciliation system that works with a company's existing stack and is managed by AI agents. Exception handling is where 99% of the manual work happens today, payment ops teams spend hours gathering context across various data sources to investigate each ticket. End Close provides an AI ops agent that connects to a company's data warehouse, invoicing platform and payment processors to triage and resolve issues without human intervention. Legacy providers only provide reconciliation for month end close applications. End Close continuously reconciles with developer friendly APIs, allowing teams to integrate real time payments data within their products to create product experiences for customers like faster balance top-ups, instant trading etc. New payment rails and agent-to-agent payments are increasing online transaction volumes, making reconciliation a growing challenge for companies. David (CTO and 2nd time YC founder) most recently built these kinds of high-scale ingestion pipelines when starting and leading error tracking at PostHog (W20), the fastest growing product in the company's history.

FullSeam builds agents for corporate accounting. Our agents replace manual accounting tasks that typically happen outside of our customers’ accounting software, like accounts payable, accounts receivable, and reconciliation.

Balance is an AI accounting firm that helps SMBs close their monthly books. Our agents do the work of an in-house finance hire, reconciling books in real time and flagging issues before they become problems.

o11 is the AI data warehouse for financial firms. The largest firms build a moat around their data. Today, they pay engineers $200k a year each to spend years organizing/maintaining disconnected sources in a legacy data warehouse. The business intelligence that results is the key unlock, but it's time effort and money that would be better spent elsewhere. o11 brings a custom ontology and data model to firms of any size allowing them to unify CRM, email, files, data rooms, market data, M365, etc. all in one place. We help firms architect their own data warehouse, and then from their AI maintains it. No engineers, no legacy solutions, no complex migration. o11 is built for security and complex permissions from the ground up allowing it to safely connect directly into any agent including Claude, ChatGPT, and Copilot. Leverage your proprietary data -- it's the deal, relationship, and business intelligence that makes your firm special

Zarna is private equity’s first AI associate class. Our agents plug directly into your firm’s data and work like a deal team that never sleeps. Zarna’s agents analyze CIMs, build LBOs, update CRMs, draft IC memos, & act based on decades of proprietary firm knowledge. The result: investors spend less time buried in decks and spreadsheets, and more time on judgment, relationships, and winning deals.

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.

Automate internal auditing (planning, testing, documenting) to comply better with financial regulations. Denki performs audit work with 99% software, 1% services: ✔️ Works on existing systems (e.g. Auditboard, Workiva, ERPs) ✔️ Automates Control processes (e.g. collects evidence, runs walkthrough interviews, tests) ✔️ Records every step for traceability (workpapers w/ full audit trace) Focused on SOX programs and financial regulations (SEC Rules etc.)

Cranston is AI tax prep and bookkeeping for CPA firms. Our tax agents prepare returns the way a strong staff accountant would: they read the source documents, work the return in your tax software, and hand your reviewer a return that holds up, with workpapers attached. Our bookkeeping agents keep client books current all year, so tax season starts from clean numbers instead of cleanup. Prep and books are the start. We're building Cranston into the system a firm runs on: the place where prep, review, client requests, and the rest of the practice get done.

ProcIndex uses AI to automate accounting operations for the construction and manufacturing sectors. It connects to your existing ERP and operates in the background while giving you full visibility into its actions. By automating accounts payable, accounts receivable, reconciliation, and vendor management, ProcIndex helps accounting teams improve efficiency by 33%.

Finto builds AI accounting software for enterprise finance teams. We automate the invoice-to-pay process from their email inbox to their ERP. Cutting out 80% of the accountants daily work in invoice recording, account coding and invoice approvals.

sieve solves data cleaning for hedge funds and investment firms by letting them get clean data in four lines of code. Currently, their data pipelines have conditions that raise for human review, which literally send an email to engineers with data that needs to be reviewed. We provide an API that integrates directly into their existing pipeline - instead of raising for human review, they can send all the same information to our API and get clean, high-quality data back. By using our AI agents built specifically for financial data collection, along with expert-in-the-loop review, we provide our clients with clean, validated data at a scale and level of quality that wasn't achievable before.

At Moby Analytics, we provide the first AI agentic platform built for financial auditors. Auditors easily create and deploy AI agents to automate audit workflows. No code, just prompts and domain expertise.

We’re building an AI-native accounting firm where accountants collaborate with intelligent agents to deliver superior financial advisory services. Together, they close the books in a fraction of the time traditional firms require.

Built by an ex-Deloitte/Google team, Combinely’s AI-coworker works like a junior on your team. It handles workflows end-to-end across your systems - for tax, audit, and accounting.

Cardamon is an AI powered platform that ingests relevant regulation, understands what applies to each regulated financial firm, and gets compliance officers from regulation, to obligations, to product requirements in minutes - not weeks. Financial firms face a host of complex regulations that make it incredibly painful to launch and maintain products in a compliant way. As a Product team at Revolut, we felt this pain deeply ourselves - we had products ready to launch but stuck in compliance limbo, often for weeks. Turns out, getting compliant took as long as building the product itself. Frustrated, we dug in and were shocked by how manual and inefficient the processes were. That’s when it clicked: there’s a huge opportunity to automate the boring stuff (and solve our own problem!). Compliance teams win because they ditch the tedious tasks. Product teams win because they ship faster. Everyone’s happy.

Bluebook is building AI agents for accounting firms to accelerate research, reconciliations and monthly closings. We allow professionals to serve 200 clients instead of just 20. With research time cut by 30% accountants can provide more strategic advice to help their clients thrive. The 30 leading firms in the Nordics already use Bluebook. The accounting industry faces a perfect storm: a massive CPA retirement wave (75% in the coming 15 years), increasing complexity from globalization and new regulations, and private equity consolidation driving productivity demands. LLMs enables software that can understand context, adapt to new scenarios, and handle complex accounting tasks with human-like reasoning - capabilities that traditional rule-based software lacks.

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.

Month-end shouldn’t be a race against the clock. For most mid-to-enterprise finance teams, accruals are a manual bottleneck. Chasing missing invoices and manually updating spreadsheets can eat up 4+ days of every month-end close. Mesh changes the timeline. We automate 90% of the accruals process by capturing real-time usage and service signals directly from your AP inbox, Slack, Teams, and historical journals. We turn fragmented data into audit-ready outputs, so you can stop guessing and start closing. See how top teams are accelerating their close by 4+ days at www.usemesh.com

Fira accelerates financial research for investment analysts by instantly searching and analyzing thousands of pages of company filings and earnings reports, delivering source-cited answers and verifiable calculations. Our mission is to build a comprehensive research platform that integrates seamlessly with internal and external data sources, handles research and analysis, generates investment documents, and automates repetitive workflows. This frees investment professionals to focus on what matters most: building relationships and making strategic decisions.

Afternoon.co empowers founders to make better business decisions with real time financial metrics. We pair managed AI bookkeeping and tax services, to reduce administrative burden on founders. Accountants struggle serving 4 million+ of ecommerce brands & startups in the US, because of complexity in sales tax, multiple sales channels and inventory management. We automate a large portion of bookkeeping by integrating with their sales and inventory systems, so founders can spend less time doing admin work.

Dexter helps procurement teams understand exactly where money is being spent and where it can be saved. Dexter's AI agents mine supplier invoices and contracts for insights, surfacing consolidation opportunities, contract leakage, and off-contract spend.

TaxGPT AI co-pilot for accountants and tax professionals increases tax firm's productivity and profitability by 10x by automating tax research, client communication, onboarding flows and secure document collection.

We build autonomous accounting software. Every company should have financial insights at a fingertip – not just big enterprises with dedicated finance teams. For the first time, AI makes this possible. In the intelligence age, business owners with no financial expertise will get access to all the latent knowledge hidden in their books. Businesses will operate with a level of clarity, confidence, and speed that is almost unimaginable today.

Dimely helps accounting teams scale their order management & contract review workflows. Today fast-growing tech unicorns like Checkr and Airbyte get more coverage with less manual work by using Dimely’s AI agents to intelligently extract relevant details from core files like Order Forms, MSAs & POs, flag discrepancies, and then sync this information to core finance systems like NetSuite and Stripe. Dimely leverages what finance and accounting teams love most, spreadsheets, for all its workflows so teams never feel out of place. Teams just replace their existing, siloed Excel spreadsheet with one that's connected and powered by AI. Teams love Dimely for its ease of use and intuitive user experience that saves them hundreds if not thousands of hours a month.

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.

Fazeshift is an AI agent for automating Accounts Receivable. What used to take teams of people and hours of manual work can now be fully automated with Fazeshift. Caitlin and Timmy met while getting their MBA at Harvard. After graduating, they started a B2B marketing software startup, which is where they first experienced the pain of this process. The problem stems from fragmented data across software platforms like QuickBooks, Stripe, NetSuite, DocuSign, HubSpot, and Salesforce. Fazeshift’s infrastructure connects the data across these software platforms and uses LLMs to automate the previously manual workflow.

Clarum automates diligence, monitoring, and reporting for private market investors. Our AI agents learn how each firm works and automate their process end to end. Everything is individualized (checklists, templates, scoring models) and adapts as your process changes. Clarum also acts as a self-updating knowledge base across every document your firm has ever seen, connecting dots no analyst could.

We are Alguna, building a modern platform that helps B2B companies price deals, send quotes, bill customers, and collect payments - all in one place. Our mission is to create the most efficient revenue engine for B2B SaaS. Today, many companies run these processes with spreadsheets and a patchwork of separate tools. That leads to slow approvals, manual work, mistakes, and missed revenue—especially as pricing gets more complex. Alguna replaces that mess by connecting the entire flow from **quote to cash**: what sales sells becomes what finance bills, automatically. We help teams automate invoicing, handle usage-based or custom pricing, and reduce back-and-forth between sales, finance, and engineering. The result: growth-stage startups and enterprises can close deals faster, bill accurately, and scale revenue operations without adding headcount or building internal systems.

VectorShift is the AI operating system for private market investors.VectorShift is the AI operating system for private market investors. We capture a firm's institutional knowledge across every deal, decision, and diligence finding, and put it to work across data room analysis, IC memos, portfolio company monitoring, and LP reporting.

Campfire is the modern accounting platform for startups and mid-size tech companies. The fastest growing YC companies such as Replit, Posthog, SpeakAI run on Campfire. Our product includes an accounting general ledger that has multi-entity support and advanced financial reporting such as P&L by department and contribution margin by customer. Migrate from legacy accounting software to Campfire for your accounting and financial reporting to automate manual tasks and streamline workflows to unlock financial insights and accelerate the monthly close process.

Trayd is building the operating system for commercial construction: payroll, compliance, and back office workflows that actually work in the real world. Construction is one of the biggest industries in North America (valued at $2T+), and it still runs on a messy mix of spreadsheets, legacy payroll providers, and manual processes that break the moment things get even slightly complex. The people doing the work are the hardest working people in the country, and the companies running crews are forced to spend hours every week fighting systems that were never built for them. We’re changing that. Trayd started with a simple promise: construction workers should be able to access the money they already earned faster, and subcontractors should be able to run payroll without chaos. Today, we’re building deeper infrastructure across payroll, union rules, job costing, and accounting workflows so our customers can run their businesses with confidence.

Punchcard is a system designed for assurance engagements like financial statement audits and SOX control programs. Purpose-built for selecting, requesting, and testing audit evidence. Punchcard leverages assertion-driven AI agents that perform testing procedures from natural language instructions—just like an audit associate. By combining critical workflows such as audit planning, client document requests, evidence testing, and workpaper documentation into one seamless platform, Agentive streamlines audit processes, reduces inefficiencies, and frees teams to focus on high-impact areas.

Dili (YC S23) is building the most reliable AI automation for compliance in real-world industries. Across energy, infrastructure, datacenters, advanced manufacturing, and construction, Dili has run prevailing wage, apprenticeship, & other labor compliance to help customers secure over $1 billion in federal funding. Dili is building the AI system of record to help physical industries track compliance, analyze labor and spend, run payroll, and more.

Concourse is building AI agents for corporate finance teams. Concourse works alongside finances teams to assist in day-to-day operations by taking on the most manual and time consuming work. Core to the platform is an AI analyst tailor-built for finance teams that is available at any hour of the day, accessible via natural language, and built with full connectivity to a company’s existing financial systems. Concourse enables team members to more effectively retrieve and analyze data, generate charts and reports, and answer ad-hoc questions.

Speedy Labs helps manufacturers and distributors ditch error-prone spreadsheets that cost them millions in missed rebate opportunities for an AI-powered solution that not only tracks rebate payments and their performance but also unlocks insights from their financial data silos that uplifts their bottom-line profit margins. $1 trillion worth of rebates are exchanged every year in North America alone.

Dill helps construction suppliers automate accounts receivable, online payments, and credit applications.

Truewind is a technology company based in San Francisco developing a digital staff accountant. Powered by AI, Truewind is a digital staff accountant that never sleeps, never gets sick, and always does its work. Completely predictable capacity planning. Automate data categorization, supporting documentation collection, and client follow-up. Truewind’s AI agents will follow up on outstanding action items while the accountant can work on strategic tasks. This is fully integrated and unified across your accounting operations. We make it easy to get work done and get visibility into your team’s processes. Trusted by over 100 customers, including accounting firms EisnerAmper and Frank Rimerman, along with fast-growing companies such as Wefunder, StartPlaying and Mozart Data. We’re backed by the industry leaders of accounting and AI, Rho Capital, Thomson Reuters Ventures, Pathlight Ventures, Fin Capital, and Y Combinator.

Firm proprietary data is only as sharp as the context around it. Metal is the context platform for private capital. It structures everything a firm has touched, every deal, company, and figure, along with every decision the deal team has made, into one context graph. So the AI tools your deal teams already rely on, like Claude, ChatGPT, and Copilot, can reason with the firm's own knowledge. Every deal feeds back into the graph, so the firm's edge compounds: each decision sharpens the one that follows. Metal is purpose-built for private equity and private credit. We turn what a firm knows into how it wins.

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.

Automated bookkeeping, effortless tax filing, real‑time insights. Set up in 10 mins and get back to building.

Control spending, process payments, manage payroll, and multi-currency operations with approval workflows, total visibility and control, from one unified platform