This article showcases our top picks for the best San Francisco based Lending/Financing companies. These startups and companies are taking a variety of approaches to innovating the Lending/Financing industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top San Francisco Lending/Financing Companies
Affirm is a financial technology services company providing installment loans to consumers at the point of sale. The company was founded with the goal to create honest financial products and services that empower consumers and improve lives.
It aims to revolutionize the banking industry to be more accountable and accessible to consumers. Today, Affirm provides shoppers an alternative to traditional credit cards at the point of sale, giving them the flexibility to buy now and make simple monthly payments for their purchases.
Unlike payment options that have compounding interest and unexpected costs, Affirm shows customers upfront exactly what they’ll pay each month — with no hidden fees and no surprises. Affirm partners with over 2,000 merchants to give shoppers the option to pay with Affirm at checkout including well-known brands across retail including home furnishings, travel, personal fitness, electronics, apparel and beauty, and more.
Loans are made in partnership with Afirm’s originating bank partner Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Jeffrey Kaditz, Max Levchin, and Nathan Gettings established the San Francisco, California-based company in 2012..
Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors so that both can benefit financially. They replace the high cost and complexity of bank lending with a faster, smarter way to borrow and invest.
Founded in 2007, the company is headquartered in San Francisco, California, United States.. .
Aura is a technology-powered, Community Development Financial Institution that provides fair, affordable loans to working families in America. Aura’s mission is to build financially healthy low-income communities, by providing empowering financial services to underbanked and unbanked.
Aura uses its proprietary scoring algorithms to review and approve credit applications and offers free credit scores and personalized expense management guidance to borrowers, allowing the working population to access loans in a simplified manner. Aura was founded in 2014 and is headquartered in San Francisco, California, USA..
CircleUp is the investment platform providing capital and resources to innovative, early-stage consumer brands with a modern, scalable approach to private markets. CircleUp is comprised of internally-managed equity funds, a credit program, and an Insights & Connections team – all powered by Helio, CircleUp’s proprietary machine learning platform.
Helio collects and analyzes billions of data points to evaluates 1.3 million consumer businesses and predict future business success.. .
Prosper is an online lending platform that connects people who want to borrow money with individuals and institutions. Its platform provides lists of loan requests with low, fixed-rate loans and no hidden fees or prepayment penalties, enabling clients to easily gain access to affordable personal loans and investors to earn solid returns via a data-driven underwriting model.
The company was founded in 2005 and is headquartered in San Francisco, California.. .
Loanpal is an experienced group of passionate, forward-thinking people whose collective mission is to make a positive impact on the planet, build lasting relationships with our valued partners and customers, and create a lending experience that is fast, frictionless, and friendly. We are the world-positive lender, helping people achieve the home of their dreams, live a sustainable lifestyle, and save money using modern technology.
Founded by Hayes Barnard, Loanpal has over 16 years of lending experience with more than $27 Billion in funded loans, serving more than 125,000 people across all 50 states. Our modern lending platform is built on new, proprietary technology that ensures a frictionless experience.
That means virtually instant approvals, higher conversion rates, and more integrated tools and features for better control and ease of use. Loanpal is a proud partner of GivePower, a 5013c corporation, whose mission is to build and deploy solar-powered clean water and energy systems to communities in need around the world..
Blend is a digital lending platform that supports and simplifies applications for mortgages, consumer loans, and deposit accounts.The company helps lenders streamline the customer journey for any banking product from application to close. Its Digital Lending Platform is utilized by Wells Fargo, U.S.
Bank, and over 285 other leading financial institutions to acquire more customers, increase productivity, and deepen customer relationships. The company enables customers to process more than $4 billion in mortgages and consumer loans per day, helping millions of consumers get into homes and gain access to the capital they need to lead better lives.
Erin Collard, Eugene Marinelli, Nima Ghamsari, and Rosco Hill headquartered the company in San Francisco, California in 2012.. .
Roostify is formed of a team of innovative thinkers on a mission to reinvent the lending experience so people can accelerate their future. The company makes the process of getting a loan easier and more efficient for borrowers and lenders alike.
Processing nearly 20 billion a month in loans, Roostify serves lending institutions nationwide; from the largest of enterprise banks to thriving independent brokerages. Roostify, Inc.
was founded in 2012 by Harry Cheung, Jonathan Kirst, Nathaniel Sokoll-Ward, and Rajesh Bhat.. .
LendUp’s mission is to provide anyone with a path to better financial health. We build technology, credit products and educational experiences for the 56% of the US population who are shut out of mainstream banking because of poor credit or volatile incomes.
All of our technology is built in-house. We currently offer several types of credit products, including loans and credit cards.
We embed education into our products, and where available, credit building opportunities, to help borrowers improve their long-term financial health and break out of vicious debt cycles. We were founded by two step-brothers, CEO Sasha Orloff and CTO Jake Rosenberg.
Sasha puts the “fin” in fintech, having worked at Citi, World Bank, and Grameen Bank. Jake puts the “tech” in fintech; he was a platform CTO at Zynga at 29 and began working at Yahoo! at age 16, as employee #80..
Stilt offers financial services for immigrants, visa holders, and the underserved. Stilt uses proprietary and public data sources to predict the creditworthiness of immigrants with limited or zero credit history.
The company’s lending platform offers short term loans to expatriates and non-citizens with limited credit history at lower interest rates, enabling them to access capital and receive credit.. .
Ripio, formerly known as Bitpagos, is a financial payments company that provides electronic payment solutions for businesses in Latin America. It offers a range of financial services for the emerging markets using the blockchain technology to make a more accessible financial system.
The company helps merchants process international transactions with credit cards or bitcoins for a fraction of the cost as well as consumers buy bitcoins instantly with cash. It deals with clients in Argentina, Brazil, Chile, and Ecuador..
Oyster is the only digital account that empowers business owners to grow. We help entrepreneurs achieve their business goals by simplifying their financial management.
A financial platform designed to help you run your business from your phone Oyster Mastercard debit card sent to your office 24/7 fund transfers with no fees Bill payment for over 70 service providers in Mexico Discounts in 10,000 locations Send and manage invoices Our platform saves time in every task and empowers entrepreneurs to make better financial decisions.. .
Dharma Labs is a protocol for generic tokenized debt agreements. Dharma enables open, permissionless innovation in the lending industry, enabling aspiring entrepreneurs to build lending companies that take advantage of blockchain technology.
Whether it’s a consumer lending platform, a margin lending network, or a platform for crowdfunding municipal bonds, you can quickly and securely build your lending company on Dharma.. .
SmartBiz Loans is the #1 online SBA loan marketplace for small business loans. The intelligent technology platform makes applying for an SBA loan fast and easy while increasing the likelihood of approval for small businesses by matching the borrower with the SBA preferred lending bank most likely to fund their particular business.
90% to 95% of the loans SmartBiz refers to its bank partners get funded. Bank partners using the SmartBiz platform to originate and underwriter SBA loans in a compliant manner can also process these loans 70% to 90% more efficiently then before.
Based in the financial district of San Francisco, SmartBiz Loans is privately held. The company was founded in 2009 by a team of experienced financial services entrepreneurs with backing from leading venture capital firms including Investor Growth Capital, Venrock, First Round Capital, Baseline Ventures, and SoftTech VC..
Neptune Financial (NepFin) is a next-generation financial services company whose commercial lending platform provides growth capital to mid-sized American businesses. With its team’s experience in technology, traditional leveraged finance, and online lending, the company is poised to transform the way that middle-market borrowers access debt financing.
Based in San Francisco, NepFin is supported by the same early investors as SoFi, Funding Circle, Lending Club and Upgrade. For more information please visit www.nepfin.com..
StreamLoan is a SaaS/mobile collaboration and workflow platform, simplifying residential home purchases. StreamLoan was founded in 2015 by Stephen Bulfer and Armando Gonzalez, to bring a simple experience to getting a mortgage (or loan).
StreamLoan headquarters is located in San Francisco, CA.. .
Income& is proud to introduce the PRIMO, a revolutionary new way to invest. PRIMOs are a new, low-risk fixed-income investment alternative with returns of 5% or better.
They’re backed by real property and provide a steady, fixed monthly income to the investor. Accredited investors are able to customize and purchase a diversified portfolio of PRIMOs and easily manage their investments over time, thanks to their state-of-the-art technology platform..
Finvoice offers cloud-based software to help financial institutions grow sales and comply with regulations. It serves as an enterprise SaaS company offering lending as a service solution.
It allows offline lenders to become online lenders through modern UX, 3rd party integrations, and data analytics. Finvoice was founded in 2014 and headquartered in San Francisco, California..
TrueFi is a decentralized protocol for uncollateralized on-chain lending. The aim is for TrueFi to become the ultimate market-driven, automated credit rating and lending system, freeing money to move wherever it creates the most value instantly.
On TrueFi, lenders enjoy competitive rates and full transparency of how their assets are utilized. Meanwhile, borrowers get access to fast, fixed rate loans with no collateral requirements, all while building an on-chain credit history.
The process of vetting borrowers for creditworthiness and approving new loans is in the hands of holders of TRU, the TrueFi platform token. TrueFi was developed by TrustToken, the same team that launched and grew TUSD and four other leading stablecoins into asset-backed tokens trusted by many, attested live on-chain and now moving billions of dollars in monthly volume across +100 trading partners and 112 countries..
A vast majority of firms in process-heavy industries such as financial services, are so constrained with their tech systems, that they just cannot adapt in time to evolving consumer dynamics, compliance pressures and competitors. Crelytics enables an ultra configurable workflow engine that saves firms cost and time to adapt to changes.
We enable Fintech Operating System for any progressive business.. .
Crowd Companies:tm: exists to be a catalyst for change at large companies. They invite senior executives, innovators, product managers, marketers, operations leaders, sustainability leaders, social business strategists and others to apply.
Crowd Companies:tm: tests and adopts the sharing services, such as crowd sourcing the logo and crowd sourcing the website design services. They tap talented workers from online service marketplaces and participate in collaboration.
They use co-working, and shared transportation when possible.. .
Rapa is an experienced professionals in the fields of finance, risk and technology, all of us passionate about solving the problem of fair access to capital. You deserve credit terms based on your creditworthiness, not on the amount of costs local banks decide to pass through to you.
Their team is committed to providing a seamless digital lending solution that puts your interests first.. .
Pair Lending focuses to connect every day investors to benefit from the Peer to Peer online lending market place, by lending to a diversified portfolio of borrowers online. They strive to make this process seamless and simple.
Their clients can invest for high return with relatively low risk. These kind of investment opportunities were only available to large banks, other financial institutions, and accredited investors with high net worth.
Evolution of the Internet technology has leveled the playing field for this protected area of financial investment. They enable investors like you to invest in the same fashion as banks, with low mininum required capital.
They envision theirselves as the “Uber” of financial services, where they pool and share the economy of both the borrowers and lenders online.. .
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