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YC Credit and Lending companies

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.

Hiring the mostlast 60 days
18 roles
NexuW20
  1. 2Prodigal3
  2. 3OneFin3
See all 9
Fastest growingteam, 6 months
+29%
VeritusS25
  1. 2Apurata+29%
  2. 3Facio+26%
See all 20
Shrinkingteam, 12 months
−24%
ErudiFiW18
  1. 2Kanda−22%
  2. 3GIMO−16%
See all 8
Raised the mostlast 12 months
$13.5M
HypercoreS21
  1. 2Copperlane$4.1M
See all 2
Companies
76
Active
55
Hiring, last 60 days
9
Open roles, 60 days
33
People on these teams
4,912
Showing 50 of 76 companies
CompanyBatchTeam6 mo12 moOpen rolesTotal raisedLast round
Making car ownership more inclusive, flexible and simple.
W19Acquired1,788+2%+5%0$205MDebt$8M, Jun 2024
Financing platform for LatAm car dealerships.
W20221+2%+10%18$216MDebt$143M, Jul 2026
Creating Microfinance 2.0.
W20179+2%+10%0$1.8MYC investment$150K, Mar 2021
Working capital for African micro businesses
W22178+11%+28%0$19.6MSeed$12.3M, Sep 2022
CredPal is a buy now pay later company in Africa that allows…
W19155−5%+14%0$18.5MUndisclosed round$16.7M, Jun 2022
Salary advance to employees in Brazil.
W20141+26%+76%0$17.5MSeries A$11M, Aug 2024
Bridging a world of consumer-permissioned credit data
S16131+11%+19%YC$159MSeries D$35M, Oct 2025
Corporate Card solution for Indian businesses
S21127−8%−9%0$38.3MDebt$7.1M, May 2022
Embedded lending infrastructure
W21Acquired126+8%+29%0$180MCorporate round$9M, Oct 2025
Payment Platform for LatAm Micro and Small Businesses
S19116+23%+26%YC$88.5MDebt$42.3M, Feb 2026
Lending Intelligence Software
S18103+14%+41%3$12.1MSeries A$12M, Jul 2021
Digital financial services for students in Southeast Asia
W18102−19%−24%0$20MGrant$15M, Nov 2024
Diversified credit infrastructure powering payments across Africa.
W1799+5% 0$10.3MDebt$10M, Feb 2020
Group Financing for small businesses across Africa.
W2281+7%+14%0$1.1MNon-equity support$700K, Feb 2024
Smart micro financing for everyone
S2181−9%−6%2$167MDebt$22.9M, Jun 2026
Legal investment firm
S1681+4%+9%1$100MUndisclosed round$100M, Sep 2019
Shopify for Financial Services
W1772+14%+18%3SeedJan 2020
Rocket Mortgage for LatAm.
W2157−3%−8%0$9.6MSeed$4.5M, Mar 2022
Debt Management for Latin America.
S1954 +2%0$150KSeed$150K, Jul 2021
Streamline your debt capital raise and management
W21Acquired45−2%−18%0$20.1MSeries A$17M, Jan 2023
Payroll app to pay workers daily for retailers & manufacturers in SEA
W2144−2%+2%1$9.4MSeed$6.4M, Aug 2022
We help underbanked workers get paid before payday
W2242−12%−16%YC$19.5MSeries A$12M, Jul 2023
Credit for the emerging economy in Latam
S2240+5%+8%0Pre-seedAug 2022
Debt as a service for companies to lend money to their users at scale.
W2140 +5%0$5MGrant$5M, Nov 2025
Business banking that helps you grow
W2036+3% YC$101MSeries B$30M, Jul 2023
Homeownership reimagined for the 21st century.
W2031+11%+15%YC$13.5MSeries A$8M, Nov 2022
Jenfi provides revenue-based financing for digital businesses in Asia
W2031  0$43.7MDebt$2.5M, Aug 2026
Loan management software for private lenders
S2130+3%+76%1$13.6MSeries A$13.5M, Feb 2026
Data-driven embedded Financial Services for Gig Workers
W2130−3% 0$3MPre-seed$3M, Nov 2021
Point of sale financing for Latin America's middle class.
S1927+29%+17%0$150KYC investment$150K, Aug 2019
Financial health focused micro-lender in Mexico
W2225+4%−14%YC
The next-gen lending platform for the banking system in LATAM.
W2224+9%+9%0$2.6MSeed$2M, Apr 2022
Affirm for LATAM
W2223−4%−12%0$6MSeed$6M, Jan 2022
AI agents for the consumer lending industry
S2522+29%+144%3SeedSep 2025
Access up to $2,000 of your wage in advance
W2222+16%+16%1$500KYC investment$500K, Mar 2022
Clear.co for LATAM. Revenue based financing for online sellers.
W2222  0Non-equity supportMay 2023
LendUp is a socially responsible company on a mission to redefine…
W12Inactive22+22%+22%0$362MUndisclosed round$100M, Jun 2017
bxblue is a marketplace for people with guaranteed income in Brazil.…
S17Acquired20+5%−5%0$7MSeries A$7M, Jan 2021
Affirm for general contractors
W2118−14%−22%0SeedJan 2022
The easiest way to buy 74k+ crypto tokens with USD
S17Acquired150%0%0$7.1MSeries A$7M, Feb 2021
Finance on a Click
W2314−7%+17%YC
Digital lending platform for Brazilian farmers
S21Inactive13−7%−7%0$2.6MSeed$895K, May 2023
Enable Buy-Now-Pay-Later in a White-Labelled Manner
W22Acquired120%0%0$4.7MUndisclosed round$4.5M, Jan 2024
Rent verification API for landlords and lenders
W23Acquired10+11%+11%0Pre-seedApr 2023
Loans against mutual funds and shares from 9.89% p.a
W249+29%+13%0$1.6MSeed$1.1M, Mar 2025
Instant loans for trucking companies in India
W21Inactive90%0%0$125KUndisclosed round$125K, Jan 2023
White-labeled shared appreciation down payment programs for employers
W16Acquired9−10%−10%0$53.1MSeries B$31M, Sep 2021
Direct P2P lending across the international wealth divide.
W1490%0%0$120KYC investment$120K, Mar 2014
W218+14%+14%YC$11.1MSeries A$11M, May 2023
AI for Commercial Lending
X267−30% YC$500KYC investment$500K, Jun 2026

How this works

1. The roster

Every launched company in YC's public directory, with its batch, status, industry and location. New companies show up the week YC lists them.

2. The numbers

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.

3. The lists

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.

Built with Crustdata. Get your own API key and build your own.

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.

  • Company search for team size, growth and funding
  • Job search with a count by company, for who is hiring and for what
  • A watch that re-runs the search weekly and sends only what changed
# 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

Questions about YC Credit and Lending companies

How many YC Credit and Lending companies are there?

76 Y Combinator companies are in Credit and Lending; 55 are active.

Which YC Credit and Lending companies are hiring?

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.

Which YC Credit and Lending companies are growing fastest?

By team growth over 6 months (10+ people): Veritus (+29%), Apurata (+29%) and Facio (+26%).

Which YC Credit and Lending companies raised the most?

Largest latest rounds in the last 12 months, after their YC batch: Hypercore ($13.5M) and Copperlane ($4.1M).

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