76 Y Combinator companies in Credit and Lending, with team size, growth, open roles and funding.
Updated weekly, last on November 9, 2026. Roster from Y Combinator's public directory.
| Company | Batch | Team | 6 mo | 12 mo | Open roles | Total raised | Last round |
|---|---|---|---|---|---|---|---|
Making car ownership more inclusive, flexible and simple. | W19Acquired | 1,788 | +2% | +5% | 0 | $205M | Debt$8M, Jun 2024 |
Financing platform for LatAm car dealerships. | W20 | 221 | +2% | +10% | 18 | $216M | Debt$143M, Jul 2026 |
Creating Microfinance 2.0. | W20 | 179 | +2% | +10% | 0 | $1.8M | YC investment$150K, Mar 2021 |
Working capital for African micro businesses | W22 | 178 | +11% | +28% | 0 | $19.6M | Seed$12.3M, Sep 2022 |
CredPal is a buy now pay later company in Africa that allows… | W19 | 155 | −5% | +14% | 0 | $18.5M | Undisclosed round$16.7M, Jun 2022 |
Salary advance to employees in Brazil. | W20 | 141 | +26% | +76% | 0 | $17.5M | Series A$11M, Aug 2024 |
Bridging a world of consumer-permissioned credit data | S16 | 131 | +11% | +19% | YC | $159M | Series D$35M, Oct 2025 |
Corporate Card solution for Indian businesses | S21 | 127 | −8% | −9% | 0 | $38.3M | Debt$7.1M, May 2022 |
Embedded lending infrastructure | W21Acquired | 126 | +8% | +29% | 0 | $180M | Corporate round$9M, Oct 2025 |
Payment Platform for LatAm Micro and Small Businesses | S19 | 116 | +23% | +26% | YC | $88.5M | Debt$42.3M, Feb 2026 |
Lending Intelligence Software | S18 | 103 | +14% | +41% | 3 | $12.1M | Series A$12M, Jul 2021 |
Digital financial services for students in Southeast Asia | W18 | 102 | −19% | −24% | 0 | $20M | Grant$15M, Nov 2024 |
Diversified credit infrastructure powering payments across Africa. | W17 | 99 | +5% | 0 | $10.3M | Debt$10M, Feb 2020 | |
Group Financing for small businesses across Africa. | W22 | 81 | +7% | +14% | 0 | $1.1M | Non-equity support$700K, Feb 2024 |
Smart micro financing for everyone | S21 | 81 | −9% | −6% | 2 | $167M | Debt$22.9M, Jun 2026 |
Legal investment firm | S16 | 81 | +4% | +9% | 1 | $100M | Undisclosed round$100M, Sep 2019 |
Shopify for Financial Services | W17 | 72 | +14% | +18% | 3 | SeedJan 2020 | |
Rocket Mortgage for LatAm. | W21 | 57 | −3% | −8% | 0 | $9.6M | Seed$4.5M, Mar 2022 |
Debt Management for Latin America. | S19 | 54 | +2% | 0 | $150K | Seed$150K, Jul 2021 | |
Streamline your debt capital raise and management | W21Acquired | 45 | −2% | −18% | 0 | $20.1M | Series A$17M, Jan 2023 |
Payroll app to pay workers daily for retailers & manufacturers in SEA | W21 | 44 | −2% | +2% | 1 | $9.4M | Seed$6.4M, Aug 2022 |
We help underbanked workers get paid before payday | W22 | 42 | −12% | −16% | YC | $19.5M | Series A$12M, Jul 2023 |
Credit for the emerging economy in Latam | S22 | 40 | +5% | +8% | 0 | Pre-seedAug 2022 | |
Debt as a service for companies to lend money to their users at scale. | W21 | 40 | +5% | 0 | $5M | Grant$5M, Nov 2025 | |
Business banking that helps you grow | W20 | 36 | +3% | YC | $101M | Series B$30M, Jul 2023 | |
Homeownership reimagined for the 21st century. | W20 | 31 | +11% | +15% | YC | $13.5M | Series A$8M, Nov 2022 |
Jenfi provides revenue-based financing for digital businesses in Asia | W20 | 31 | 0 | $43.7M | Debt$2.5M, Aug 2026 | ||
Loan management software for private lenders | S21 | 30 | +3% | +76% | 1 | $13.6M | Series A$13.5M, Feb 2026 |
Data-driven embedded Financial Services for Gig Workers | W21 | 30 | −3% | 0 | $3M | Pre-seed$3M, Nov 2021 | |
Point of sale financing for Latin America's middle class. | S19 | 27 | +29% | +17% | 0 | $150K | YC investment$150K, Aug 2019 |
Financial health focused micro-lender in Mexico | W22 | 25 | +4% | −14% | YC | ||
The next-gen lending platform for the banking system in LATAM. | W22 | 24 | +9% | +9% | 0 | $2.6M | Seed$2M, Apr 2022 |
Affirm for LATAM | W22 | 23 | −4% | −12% | 0 | $6M | Seed$6M, Jan 2022 |
AI agents for the consumer lending industry | S25 | 22 | +29% | +144% | 3 | SeedSep 2025 | |
Access up to $2,000 of your wage in advance | W22 | 22 | +16% | +16% | 1 | $500K | YC investment$500K, Mar 2022 |
Clear.co for LATAM. Revenue based financing for online sellers. | W22 | 22 | 0 | Non-equity supportMay 2023 | |||
LendUp is a socially responsible company on a mission to redefine… | W12Inactive | 22 | +22% | +22% | 0 | $362M | Undisclosed round$100M, Jun 2017 |
bxblue is a marketplace for people with guaranteed income in Brazil.… | S17Acquired | 20 | +5% | −5% | 0 | $7M | Series A$7M, Jan 2021 |
Affirm for general contractors | W21 | 18 | −14% | −22% | 0 | SeedJan 2022 | |
The easiest way to buy 74k+ crypto tokens with USD | S17Acquired | 15 | 0% | 0% | 0 | $7.1M | Series A$7M, Feb 2021 |
Finance on a Click | W23 | 14 | −7% | +17% | YC | ||
Digital lending platform for Brazilian farmers | S21Inactive | 13 | −7% | −7% | 0 | $2.6M | Seed$895K, May 2023 |
Enable Buy-Now-Pay-Later in a White-Labelled Manner | W22Acquired | 12 | 0% | 0% | 0 | $4.7M | Undisclosed round$4.5M, Jan 2024 |
Rent verification API for landlords and lenders | W23Acquired | 10 | +11% | +11% | 0 | Pre-seedApr 2023 | |
Loans against mutual funds and shares from 9.89% p.a | W24 | 9 | +29% | +13% | 0 | $1.6M | Seed$1.1M, Mar 2025 |
Instant loans for trucking companies in India | W21Inactive | 9 | 0% | 0% | 0 | $125K | Undisclosed round$125K, Jan 2023 |
White-labeled shared appreciation down payment programs for employers | W16Acquired | 9 | −10% | −10% | 0 | $53.1M | Series B$31M, Sep 2021 |
Direct P2P lending across the international wealth divide. | W14 | 9 | 0% | 0% | 0 | $120K | YC investment$120K, Mar 2014 |
| W21 | 8 | +14% | +14% | YC | $11.1M | Series A$11M, May 2023 | |
AI for Commercial Lending | X26 | 7 | −30% | YC | $500K | YC investment$500K, Jun 2026 |
Every launched company in YC's public directory, with its batch, status, industry and location. New companies show up the week YC lists them.
Each company is matched to Crustdata by its website. Crustdata adds team size and its change over 6 and 12 months, open roles from job postings, reported funding, and founders' past employers.
Hiring the most counts distinct roles posted in the last 60 days. Growth needs 10+ people today, shrinking 20+ a year ago, so tiny teams do not top the lists. Rebuilt every week.
The numbers on this page come from three Crustdata API calls. Crustdata tags 5,000+ companies with Y Combinator as an investor; swap the filter for any investor, industry or headcount range and track your own list, with founders' work emails one call away.
# 1. every company with Y Combinator as an investor curl https://api.crustdata.com/company/search \ -H "authorization: Bearer $CRUSTDATA_API_KEY" \ -H "x-api-version: 2025-11-01" \ -d '{ "filters": { "field": "funding.investors", "type": "in", "value": ["Y Combinator"] }, "fields": ["basic_info.name", "headcount.total", "headcount.growth_percent", "funding.total_investment_usd"], "limit": 100 }' # 2. open listings per company, last 60 days (limit 0 = counts only) curl https://api.crustdata.com/job/search \ -H "authorization: Bearer $CRUSTDATA_API_KEY" \ -H "x-api-version: 2025-11-01" \ -d '{ "filters": { "op": "and", "conditions": [ { "field": "company.basic_info.company_id", "type": "in", "value": [...] }, { "field": "metadata.date_added", "type": "=>", "value": "2026-08-24" } ]}, "limit": 0, "aggregations": [{ "type": "group_by", "field": "company.basic_info.company_id", "agg": "count" }] }' # 3. the same company filter as a weekly watch: POST /watch/company/search
76 Y Combinator companies are in Credit and Lending; 55 are active.
9 companies posted roles in the last 60 days, led by Nexu (18 roles), Prodigal (3 roles) and OneFin (3 roles). 18 mark themselves as hiring on YC's directory.
By team growth over 6 months (10+ people): Veritus (+29%), Apurata (+29%) and Facio (+26%).
Largest latest rounds in the last 12 months, after their YC batch: Hypercore ($13.5M) and Copperlane ($4.1M).