Finance and Accounting Startups funded by Y Combinator (YC) in the San Francisco Bay Area 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.

Here's the problem: it takes private equity firms and search funds hours to write personalized messages for each outreach campaign. We speed this up by using AI to research each company across its website and social channels. Our platform helps you: 1) Research market niches to refine your investment thesis 2) Search for leads in our constantly-growing database 3) Design custom campaigns with personalized messaging 4) See inbound interest and track all prospects/communications in our CRM

o11 brings bulge bracket level speed and output quality to capital markets firms of any size. Seamlessly integrated into every Microsoft 365 tool, it transforms your documents and models into a dynamic knowledge layer that drives research, modeling, and client ready deliverables with consistent precision.

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.

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 a full stack AI accounting firm automating the $900b market for accounting labor. Our software automates reconciliation, tax compliance and financial analysis for startups & SMBs. We pull in context from all your company's apps & data, connect to existing systems of record and handle repetitive accounting work. Our team is deep in the accounting space. Sean spent 5 years building an ERP after dropping out of Stanford and Max spent 5 years building an accounting firm that did every accounting workflow you can imagine on top of ERPs.

Qualify.bot helps commercial lenders and loan brokers process business loan applications with 4x higher conversion rates. Our AI voice calls eliminates 8+ hours of manual work per loan, from lead qualification to document collection & follow-ups.

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.

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.

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 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.

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.

We are Alguna, an early-stage startup building a modern pricing, quoting, and billing platform for B2B companies. Our mission is to build the most efficient revenue management engine for B2B SaaS. Today, most companies get by using spreadsheets and manual processes across multiple single-point solutions, which is inefficient and costs millions in lost revenue. We solve this by unifying the quote-to-revenue process and automating complex back-office operations. This enables our customers (growth-stage startups and enterprises) to flexibly close more deals faster without worrying about internal limitations and relying on finance and engineering teams.

Campfire is the modern accounting platform for startups and mid-size tech companies. 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.

Quill Bills is a medical billing company that works with healthcare providers to significantly lower billing costs and fight every denial.

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.

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

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.

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.

Synder is an easy accounting platform focused on e-commerce. It connects all sales platforms (like Shopify, Stripe, Amazon or Etsy) into one ecosystem, providing businesses with consolidated cash flow, automated accounting, and inventory management making Synder a single source of truth of the correct analytics, accounting and tax filing.

Topkey is the all-in-one financial operating platform that simplifies expense management for hospitality managers.

Tupelo is building the future of how traditional small businesses are bought and sold. We are the first small business M&A marketplace with modern integrations to make selling and buying a business quick and easy.

Pulley is the cap table and equity management platform that helps founders and finance teams manage their equity. For early stage companies, Pulley helps founders get started on hiring and fundraising, avoid expensive equity mistakes, and save thousands on legal fees. With Pulley, you can compare different funding scenarios, raise capital, and set up equity grants for employees. Our tools help companies answer important questions such as: 1. How much of the company will I own after my next round? 2. How will pro-rata rights impact my ownership in future rounds? 3. How do I explain the value of equity to candidates? Equity is a company's single most important asset. Pulley gives companies insights into their equity, so they can make smarter decisions around hiring and fundraising, while proactively staying ahead of tax filings and accounting. If you are looking for a way to manage your cap table, try Pulley at https://pulley.com/.

Finlens is an AI co-pilot for QuickBooks, built for founders and accounting firms who want faster closes, real-time visibility, and clean books without the spreadsheet chaos. We automate categorisation, GAAP schedules, and collaboration, all on top of your existing QuickBooks setup. No migrations. No change management. Just a smarter way to work with the stack you already use. Backed by Y Combinator (W20) and Accel. Built by second-time founders who’ve seen the finance backend break — and decided to rebuild it.

Fondo is the easy way for startups to get their bookkeeping done, taxes filed, and cash back from the IRS (average startup gets $21k). We’ll optimize and file your taxes, and you’ll get cash back — up to $500k per year. Need more help? We’ll also do your bookkeeping, so you don’t have to worry about a thing.

Modern Treasury offers tools that automate the full cycle of money movement—from payment initiation, through approvals, to reconciliation—and are accessible through web application or API.

CaptivateIQ is on a journey to modernize the world of incentive compensation. Our hope is that people will feel more connected at work if there is greater transparency in how they are rewarded for their efforts. We partner with amazing companies like Carta, Intercom, Gong, and Newfront Insurance to simplify their commissions. Since launching in 2017, we have raised $63M and are backed by leading investors including Sequoia Capital, Accel, S28 Capital, Amity Ventures, and Y Combinator.

Routable’s secure B2B payments platform helps finance teams automate and simplify the payables process from invoice receipt to settlement. With support for your existing workflows and the flexibility to scale transactions from 100 to 100,000+, the platform was purpose-built to handle mass payouts reducing time spent on tedious tasks.

At Yardbook we know how proud you are to own and operate your own landscaping business. We also know how challenging it can be to make sure everything is running smoothly. With this in mind we are pleased to offer our free software for running landscaping businesses! Yardbook is designed to provide an end-to-end solution in helping businesses with a multitude of roles such as creating schedules, estimates, completing invoices, payments, timesheets and so much more. Since we launched a little over a year ago, over 7,000 businesses in the US are now powered by Yardbook. During that time we have processed millions of dollars in invoices and helped owners, like you, organize their many administrative responsibilities. If you’re still using paper and pencil, or juggling between many different systems or spreadsheets in order to stay organized, give Yardbook a try today!

Tesorio is the world’s first and only cash flow performance platform. It empowers CFOs and finance teams to boost profits by using artificial intelligence to better manage, predict, and collect cash.

There are 300k+ financial advisors in the US using a digital Rolodex to manage their client relationships, and it's time for a makeover. At Thyme we are building the OS for financial advisors that allows them to automatically take notes in meetings (in-person, online, and phone calls), manage their client records with the help of AI, and offer a client portal where clients can track their assets, manage tasks, and even pay for their services. Our users have replaced their legacy CRMs and billing solutions with us while deepening their clients' relationships thanks to our client portal and AI tooling that puts rich context at their fingertips.

Proper provides software & APIs to help companies manage their payments data across providers. We connect banks, API providers, and networks in a single platform and provide automated reconciliation and accounting, so companies can maintain financial accuracy at scale. Our integrated financial operating system gives companies a unified back-office data platform across their services and providers. With Proper, companies can spend less time on low-level financial system infrastructure and more time focused on building for their end-users.

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.

Manage your money like a Fortune 500 company, whether you are about to IPO or still working in a garage. Dealing with financial institutions is painful. Yet it’s critical to keep your corporate cash safe & earning a reasonable rate of return. InterPrime helps you do that. InterPrime helps you 1. Keep your cash safe 2. Earn a reasonable rate of return on your money 3. Assure your investors that you will responsibly steward their capital More details at www.interprime.co

Symple is building a logistics platform for field service & delivery teams. Our platform is re-shaping the $30Bn field service management market by powering real-time collaboration and communication across massively distributed service teams. Symple's mission is to modernize the way over 400M mobile-service workers complete their daily tasks, share information and interact with their customers -- which means touching, in some capacity, every businesses on the planet.

NexTravel is a platform for companies to manage and streamline travel. We help companies get access to corporate/group negotiated rates for hotels, cars - making booking travel easier and more cost-effective. Email us at travel@nextravel.com or go to https://www.nextravel.com/ to find out more.

Payable is the easiest way to manage your external workforce. By simplifying and automating onboarding, payments, and 1099 compliance, Payable consolidates disparate and manual processes, while getting contractors paid faster! Payable is backed by Freestyle Capital, Redpoint Ventures, General Catalyst, Moment Ventures, Y Combinator, and others.

Fight chargeback fraud. Save time and money. Chargebacks are tedious to rebut yet costly to ignore. Revenue lost from chargebacks can be won back, but the dispute process is time-consuming and inefficient. With one simple integration, Chargehound automates your entire dispute process. You can respond to all your chargebacks — instantly. Let us do the work — as soon as you receive a dispute, Chargehound will create and submit a comprehensive, customized response on your behalf. Instead of spending hours compiling disputes, you can focus on more impactful goals, like minimizing your chargebacks and maximizing your win rate. Get started for free by making an account at www.Chargehound.com!