Finance Startups funded by Y Combinator (YC) 2025

Pointhound makes it easy to earn and redeem your credit card points for free flights. We're driven by our mission to make the world more accessible through travel.

Casca is building AGI for banking. We are replacing 30+ year-old legacy technology with AI-native systems of record that automate 90% of the manual work humans used to have to do. Our first product is an AI-native Loan Origination System - with a built-in AI Agent, called Sarah. Sarah communicates with small business loan applicants via email or sms, guides them through the application process and prepares the loan file for a human underwriter. Why? Small businesses are the heart of the American economy and a lot of banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes and unlocks affordable, quick bank funding for the 30M+ small businesses in the US as opposed to the high interest rates from online lenders.

We integrate via API across a company’s stack to trace and reconcile millions of financial transactions across multiple systems, providing the functionality of a legacy ERP system without the time and cost of a traditional implementation.

We help healthcare companies run their practices. Eligibility, BI, claims, patient payments? Shoot us an email at founders@aperohealth.com Apero is a Y-Combinator-backed startup based in San Francisco bringing transparency and ease to medical billing. As one of the top startups from the Summer 2019 Y Combinator batch, we have raised from well-known investors including the creator of Gmail Paul Buchheit and the founders of Doctor on Demand, Gusto and Reddit, and serve startups that have raised over $1B in Venture Capital. The founding team are Stanford CS and Berkeley grads and include the CTO of Doctor on Demand having helped raised $240m and process millions of video calls. We are also hiring for engineers and product-minded operations people interested in giving price transparency to patients and providers. We serve practices nationwide, and integrate with leading EHRs as well.

Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking. If you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com

For money managers to raise their next billion, they dedicate entire teams to spend days filling diligence questionnaires with recycled content. We do it in minutes using AI.

Dropback is building front office software for the future of college sports. We help major athletic departments manage their teams' "salary caps" and roster limits to construct their most competitive rosters. Just two years ago, it became legal for athletes to earn an income beyond their scholarships. Since then, despite college athletes earning $2B+, rapid regulation change has put college sports in disarray. Dropback brings order to this chaos through custom compensation frameworks, roster management, what-if playgrounds, and more--ultimately helping elite programs optimize spend & maximize talent.

Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. Clients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. Sebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.

Global financial data, available seconds after release. Cleaned tabular & time series data from 1000s of companies, maintained by proprietary ML, NLP, and OCR techniques. Seamless integration: update your model in 3 clicks, within 5 minutes of publication.

Decisional is building an AI Financial Analyst for Private Market Investors that pulls information from public and private data sources. Financial Services firms like LTV Capital use our AI Agent to gain superhuman abilities like gleaning insights from thousands of data rooms or documents & magically modelling spreadsheets in seconds

Hapi democratizes investing for consumers in Latin America. We let anyone from Latam easily invest in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.

We use AI to streamline data integrations for mergers & acquisitions (M&A), with a focus on private equity (PE)-backed roll-ups. We take messy data (e.g., customer, financial, operational) that sits across disparate systems in different formats and use LLMs to unify, clean, and enrich it. Our approach expedites speed to value capture post-acquisition without distracting management teams or requiring expensive data engineering resources. Our experience is at the intersection of finance x tech. With an increasingly competitive M&A marketplace driven by $0.5T+ of dry powder, clean, usable data is a massive competitive advantage throughout the investment cycle – in diligence, to make informed investment decisions; in value creation, to execute the strategic plan quickly and confidently; and in exit, where better data leads to better outcomes. We’re on a mission to make AI useful for any company with messy data.

Aleph helps top finance teams work with their data in real time. Businesses can automate financial models and streamline budgeting and forecasting with the fastest-to-implement FP&A platform. Aleph eliminates the need to export data from multiple sources by syncing spreadsheet models with data from 150+ integrations, and allows teams to interact with their data in no-code dashboards. From annual budgeting to ad hoc reporting, scale your financial processes faster with better data without expanding your team. See why over 90% of people who start a trial with Aleph become customers!

We’ll build the 401(k) you need to help attract and retain talent. OctaveWealth is operated by Quillu Inc, an SEC registered Investment Advisor.

Mesh builds domain-specific AI agents to automate repetitive accounting tasks like cash reconciliation, expense wires, and inter-company transactions. Whatever tasks accounting firms are currently outsourcing abroad for reduced labor costs, we automate entirely. At Carta, we spent 5+ years working together to automate accounting. We helped grow Carta's fund accounting business from $20M to $100M, transformed offline excel tasks into automated workflows, and increased customer satisfaction score by over 50% by creating an internal workspace for task coordination. Until now, the only way to scale accounting firms was to hire more employees and outsource more work. With Mesh, accountants can save time on each task, save money on hiring additional resources, and use their extra capacity to exponentially grow their business. With a current shortage of 340,000 accountants in the US, along with the alarming statistic that 75% of certified public accountants (CPAs) will reach retirement within the next 15 years, AI has a critical role to play. And we want to be the ones to automate this $63bn outsourced accounting and finance industry. Our AI agents work long hours, so accountants don't need to.

Modus helps companies hire and retain only the people they need instead of becoming bloated messes. Modus connects your HRIS, ATS, and analyzes extensive data across your organization so leaders can detect, inspect, and correct their workforce plans - without relying on spreadsheets or complex systems. Lin experienced these challenges firsthand as a VP BizOps at HashiCorp, scaling from 100 employees to IPO, while Chris and Amar faced similar issues scaling 40+ person teams as a fractional CTO. They’re motivated by the belief that companies should have the least number of employees possible.

Finlens is a modern accounting platform purpose built for modern businesses. Finlens helps you stay on top of your financial metrics, taxes and books without having to email your accountant. We auto-categorize your transactions, keep your books clean and provide a managed accounting powered by humans and augmented by LLMs.

Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! The 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper! OKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. We have changed the way the MSMEs record the transactions and eased their life today.

FINNY is building a new operating system for independent financial advisors, and starting by helping them grow. Our goal is to empower the best financial advisors (the independents!) to serve all Americans who want financial advice. We are starting with growth, which is the most existential problem advisors face. The organic growth process is highly inefficient and full of noise. Advisors often waste 60 hours of business development to convert 1 new client. At FINNY, we are certain we can do better with AI. With our tool, advisors can: - Identify prospects within their target niche, aggregating thousands of data points per lead - Prioritize prospects based on their predicted likelihood of converting, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, doing all the work for the advisors, and letting them focus on what actually matters, the client relationship.

Lumenary accelerates financial research with advanced AI. Our software automates multi-step AI workflows and over complex financial documents. Lumenary was founded by four best friends who met at Dartmouth College, with engineering and financial expertise from Jane Street Capital, IMC Trading, Palantir Technologies, and Blackstone. They've published high impact machine learning research in venues like NeurIPS, in addition to deploying secure enterprise software managing billions of dollars and petabytes of data.

Levers is an accounts receivable management SaaS that helps B2B companies reduce overdue payments, accelerate cash collection, and boost cashflow. Our software integrates with your accounting system and streamlines your AR process using personalized reminders, cross-team collaboration tools, collection performance analytics, and more.

AlphaWatch AI is a research and analysis platform designed for hedge funds and private equity firms. By using custom LLMs, specialized embedding models, and integrating with both trusted external data sources and secure private data, AlphaWatch AI offers a reliable chat interface that cites its sources, saving financial professionals time on research. We aim to solve a very real pain point: data is currently disjointed, and hedge funds spend anywhere from 250k to 1M on data costs. While LLMs should solve a research problem, their results are prone to hallucinations and don't include internal information. With efficient data integration and valuable insights, AlphaWatch AI is enhancing the way financial institutions access essential information and make informed decisions while maintaining data privacy

Plate IQ makes accounts payable simple. Automated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.

We have created a market place that enables the sales of agro-commodities locally and internationally while providing rural farmers with all the resources they will need to grow crops like loans to but inputs and the needed extension services for better insights.

Experience an easy way to make Investments in Mutual funds in India. Easiest platform to make mutual fund investments in India. Because you need to make Investments, be it just to park your cash short term to earn better returns, or to invest for your goals or retirement, we've made an easy to use platform for you where you can invest in any fund in India in few clicks and have track your existing investments. Furthermore , you make investments without paying any middlemen commissions and make more returns . After all, It is your money. Don't pay too much to others when you can do it on your own. We're on both Android and iOS . download the app to get started https://piggy.co.in

Winford Wealth empowers financial advisors to enhance client experiences with an AI Meeting Assistant. Our platform automates notetaking, seamlessly integrates with your CRM and tech stack, and delivers unique analytics to help you work smarter.

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.

Double lets anyone design and invest in their own stock index that’s advised, managed and tax optimized by Double.

Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.

Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money

Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.

CapixAI is an AI Analyst for private capital. With CapixAI, private capital funds process more deals and close them faster.

Simple to set-up, flexible and powerful platform to manage your business finances

We build AI agents that protect fintechs and banks from account takeovers, impersonations, and phishing attacks, while also automating fraud investigations. Our AI agent gathers and analyzes all the necessary evidence, reducing the average investigation time from 30 minutes to just 2 minutes.

Keye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha. -- Our system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions. -- Keye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.

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.

Dili (YC S23) is building the most reliable AI workforce for diligence on high-stakes deals. Across tax credit diligence, real estate loan & lease abstraction, private equity and private credit, Dili has run diligence for leading firms on 3000+ high-stakes deals to provide instant diligence reports and red flags. today’s AI models are not accurate enough for mission-critical use cases like underwriting $60M+ tax credit transactions, $100M+ loan & lease abstraction, deal screening and drafting investment memos. Dili is built to be the most reliable automated platform that provides confidence scores on every output so you know when something needs your attention. Firms can now tune Dili using their domain-specific knowledge and instructions to fit their custom templates, reports and SOPs. Dili has found and fixed critical red flags and human errors on several multi-million dollar transactions using this fine-tuned expertise.

Mantys helps SaaS companies calculate and forecast their ARR accurately in real time without using multiple spreadsheets. For example, NextBillion uses Mantys to pull data from HubSpot and Chargebee and create real-time views of their Contracted ARR, Billed ARR, Churn, and forecasted ARR

CatX is a digital marketplace connecting insurance carriers with institutional investors to trade and transfer insurance risk efficiently. We help to make insurance risk models understandable and accessible for asset managers so they can unlock new sources of returns. In addition, we streamline and digitalize the entire risk transfer process, so insurers can get faster, cheaper access to capital from our partner funds.

All things money movement. Built for global teams. Thera is an ecosystem of apps designed to save you money - Payroll, Banking, Bill Pay. Whether you're looking to use one of our products or the full suite, we've got you covered.

There are billions of dollars of hospital waste caused by inefficient, disconnected supply chains and finance data. Today, clinics are facing unprecedented backorders, recalls, and purchase verticals (medical devices, SaaS, security, commodities). We are building a single product to 10x a fragmented industry with each tool built almost 20 years ago.

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.

Datrics.ai transforms enterprise sales and finance operations with an AI-powered digital coworker, streamlining complex analyses into simple conversations. Imagine a bank CFO querying, 'How did our loan performance this quarter compare to the last?' and instantly receiving detailed, visual analyses directly via MS Teams chat. This revolutionizes tasks that were once time-consuming and complex. Our vision is to cultivate a vast ecosystem of digital coworkers, enabling businesses to harness the power of data-driven decisions effortlessly. At the core of Datrics lies our unique low-code data workflow automation platform, designed to simplify data handling for digital analysts. This platform empowers analytics teams to dive into data exploration and blending, uncover insights, and create automated workflows and dashboards for sharing insights — all without the need for coding.

Metal is an AI application built for fund deal teams and managers. We accelerate a funds deal flow by reducing the effort needed to collect and parse data, perform diligence, and capture key findings.

An end-to-end platform that allows financial advisors to put their clients into curated alternative assets without additional operational lift.

Finnt AI Agents improve and accelerate Corporate Finance procedures in FP&A, Controllership, Accounting, Tax etc.

We help investment bankers & consultants prepare materials faster & with fewer errors. Carousel is a PowerPoint plugin carrying a suite of tools designed to help junior professionals save time while putting together decks. Our first tool brought a supercharged version of Word's "Track Changes" to PowerPoint so deal teams could quickly review each other's work, speeding up the feedback loop of giving and turning comments by 10x. Our second tool uses computer vision to populate charts and tables in PowerPoint based on Excel data, as well as extract table data from PDFs into Excel with two clicks. We've got many more features on the way that build out a complete toolbelt, including an AI copilot for PowerPoint that can handle complex, multi-step tasks, outperforming Microsoft's native copilot.

Meticulate is the best tool for discovering and qualifying companies. We help sales and investment teams target highly specific ICPs and rapidly test outbound strategies.

Omni turns documents, slide decks, websites and more into the data you need. You'll never need to copy + paste data into spreadsheets again. - Connect to a database or document store. We support Snowflake, Postgres, Google Drive, S3 and more. - Transform your data - Define type safe schemas to run against your unstructured data. We’ll run those models against your data, and keep your warehouse in sync as new rows/fields are added/deleted. - Query with SQL - All the transformed data stays in your warehouse. Surface this data in your product, or analyze with your existing BI tools.

Clarum helps private equity firms conduct faster, more reliable, and cost-efficient due diligence with AI. Using Clarum, firms can upload documents from their data rooms to extract information, identify red flags and answer due diligence questionnaires. We're firm believers that technology can transform the private capital markets by providing investors with the tools needed to fully utilize the entirety of their private internal data.

Team: Chaz: Founder of Fat Llama YC S17 - Acquired by Hygglo. Responsible for Business and Sales Arns: Founder of Fancy S20 - Acquired by Gopuff, Responsible for tech and product.

Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.

Sphere helps US software companies manage their global sales tax / VAT / GST compliance requirements. Our platform helps with everything from nexus monitoring, registration, calculation and filing/remittance. Companies like Runway AI choose our platform because we’re the only product that offers true global coverage, is easy to implement and reasonably priced. - We're growing rapidly (20%+ MoM revenue growth) and have signed customers like Runway AI, Sierra AI, Codeium + many more - We're building the world's first tax-focused LLMs (which we believe will be the foundation for a broader cross border compliance platform; think Deel for international billing) - We're well funded by Felicis Ventures and the founders of Flexport, Lyft, Betterup, Go1 and Xendit

AYC Fund is an online crypto fund supporting YC founders in expanding their crypto projects to Asia.

Ballerine is an Open-source KYC & risk management infrastructure. How can you use Ballerine? 1. Open-source building blocks (such as UI flows, back office, rule engine, etc.) to customize KYC and risk flows for any use case. 2. Global orchestration of KYC vendors that play nicely with any of our building blocks. 3. For enterprises - compliance coverage as a service. Try Ballerine now at - https://github.com/ballerine-io/ballerine Customizable KYC flow demo - https://simple-kyc-demo.ballerine.app/ Case management demo - https://www.backoffice-demo.ballerine.app/ Hit us up with any questions at founders@ballerine.io

Pivot helps you visualise, analyse and model your company's financial data way faster than Excel.

YearEnd helps startup employees optimize their equity and taxes, and can also file their tax returns. They simply connect their financial accounts and YearEnd will tell them how much tax they’ll owe and will make recommendations on how to make better decisions. At the end of the year, YearEnd can also file their tax return for them or they can collaborate with their existing tax accountant.

Penny is a personal finance app that helps you track your income and spending. Penny accesses your statement history—with your permission—and uses that information to help you manage your finances. Whenever you open the app, she’ll chat with you about your finances: letting you know how you’re doing this month, forecasting where you’ll be next month, giving you a heads up about upcoming bills, or even helping you cancel services you don’t use. Penny makes finances less intimidating and stressful. Many apps have lots of useful features, but they’re often hard to use and time-consuming. Penny automatically organizes your finances, explains them simply and clearly, and tells you what you need to know, when you need to know it.

Seawise Capital is a trade finance company for Indian exporters. We provide SME's working capital against the strength of their international customers. We are able to provide these businesses with collateral-free capital by discounting invoices from their large overseas customers.

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.