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Pier

Y Combinator LogoW23
Active
developer-tools
fintech
saas
b2b
San Francisco
 
http://www.pier-finance.com

Stripe for Credit - End-to-end credit infra via API

We’re building an API for launching credit products. We enable companies to compliantly offer credit by handling the tech stack for origination, underwriting and loan management with just a few lines of code. We have built-in compliance guardrails to ensure that our customers comply with state and federal regulations and assist with licensing requirements and license management.

Jobs at Pier

View all jobs →
Founding Engineer (Full Stack)
San Francisco, CA, US
$180K - $230K
0.50% - 2.00%
6+ years
Apply Now
Business Operations (Generalist)
San Francisco, CA, US
$90K - $120K
1+ years
Apply Now
Head of Compliance
San Francisco, CA, US / Remote
$150K - $250K
0.50% - 3.00%
6+ years
Apply Now
Pier
Founded:2022
Team Size:12
Location:San Francisco
Group Partner:Brad Flora
 

Active Founders

Jessica Zhang, Founder

Jessica is CEO & Co-Founder at Pier. Previously, CoS/PM at Stilt (YC W16, acq. by JGW) and founding team for Onbo, Stilt’s B2B credit API product. 2x founder (Oppti, acquired), ex-JPMorgan, ex-McDonald's. $7B+ underwriting/transaction experiences across private equity, investment banking and management consulting. She's a Cornell alum and has managed teams of 30+ ppl. Fun fact: she's a ski instructor and her goddaughter is a chihuahua-mix shelter adopt.
Jessica Zhang
Jessica Zhang
Pier
 

Alex Hegevall Clarke, Founder

I'm CTO & co-founder at Pier. Previously I was part of the founding team for Onbo at Stilt (YC W16, acq. by JGW) where I led customer integrations and product development. Together with Jess, we took Onbo from 0 to 1 and $3mm ARR in just a few months. Before that I was at Plaid and have 6+ years building in fintech. Fun fact: I love to shred a good mogul run and have a one-eyed, adopted street cat from Austin.
Alex Hegevall Clarke
Alex Hegevall Clarke
Pier
 

Company Launches

Pier - The fastest way to ship your own loan products 🚀

👋🏻 Hey Alex & Jess here from W23 batch!

✨ TLDR ✨

We’re building an API for launching credit products. We enable any company to offer credit by handling origination, underwriting, compliance and servicing with just a few lines of code. Using Pier, our customers can offer credit to their borrowers/users without ever directing them outside their app, while Pier’s API powers the credit and compliance stack all under the hood.

⛔️ The Problem ⛔️

Launching a credit product in the US is extremely complex, expensive and time consuming — Companies have to build a lending function from scratch, pay millions of dollars for a bank charter, and spend months or years to implement. These combined factors often break the unit economics of a fast-growing company and are usually not part of a company’s core competency.

✅ Our Solution ✅

Pier enables companies to go live with their own credit product in weeks, not months!

🔥 Speed is our (and your) currency - our platform and implementation process is designed to take you live in weeks, not months

🚀 Built for developers - API driven, flexible modules to support innovative credit products

📐 Compliance partner - leave the toughest compliance & licensing burdens to us, so you can focus on your customers. We help you understand your licensing and compliance needs, and provide you with compliance guardrails for long term sustainability.

⚙️ How it works ⚙️

🙏🏻 Our Asks 🙏🏻

  • Reach out via our contact us form if you’d like to use our solutions
  • Share this with folks you know building credit products
  • Give us an Upvote & share!