Top Credit Startups in 2024

DecisionLinks is revolutionizing the marketing landscape by offering an innovative, self-serve platform for custom audience creation and marketing campaign deployment. Our cutting-edge technology allows businesses to design and execute highly targeted marketing strategies, ensuring the right messages reach the right audience at the right time. DecisionLinks also offers standalone data products tailored to meet the unique needs of each business we serve. Our data-driven solutions leverage artificial intelligence and machine learning technologies to provide insights that drive growth and efficiency.

Monsoon CreditTech is one of Asia's leading fintech startups. We work with some the region's largest banks, credit-card companies and NBFCs to help them make better lending decisions (using machine learning) that result in 30% lower delinquency rates and 25% higher approval rates. We have been selected to be a part of Mastercard Start Path and have partnered with some of the leading global financial institutions to bring the power of advanced machine learning to a wide range of portfolios.

MoneyLion builds data-driven financial products for consumers. We're passionate about the area of finance that marries data, technology and product design. Our products enable a better financial future for our customers and looks to bring new modes of social engagement never before seen in financial services. For example, MoneyLion provides a closed loop trust building system where users can improve rates on loans through constant engagement with the platform -- specifically, a customer can reduce finance fee payments immediately by building a powerful financial network. Using modern analytics with all the latest big-data computational tools, MoneyLion builds smarter customer acquisition funnels, more thorough credit models, and better servicing processes for customer retention. Data doesn't just enable us to deliver smarter loans to a broader universe, it also empowers our customers to make better financial decisions and realistically measure and improve financial health.

Reorg Research built a revolutionary technology that is taking away the pain and wasted time spent tracking and following legal dockets for hedge funds, investment banks, asset managers and law firms. We are the only provider to send near real-time alerts when new items are posted to the various cases we cover. Finally, Reorg provides a holistic view across all cases our customers are following so our users can save precious time in their day-to-day research activities. In addition, Reorg Research built a best in class research and reporting service in which our in-house analysts, lawyers and reporters are keeping our subscribers abreast of developments in the cases we are following across a number of different verticals including bankruptcy, federal litigation and antitrust cases.

Vola helps users better manage their money and prevent expensive NSF fees from their banks. The app helps users track their spending and suggests ways to save. Users can also set limits on specific expenses. In case the bank balance is below a minimum threshold, Vola will inform the user and send money to the account instantly to prevent the account from over-drafting.

We are a lean and talented technology team on a mission to help small businesses thrive. We were pioneers in using PIX, the novel Brazilian payment rail, as a credit and payment platform, launching our solution in 2022. Today, we process over $ 400 million in payment volume annually, demonstrating the exponential growth of our business. Recently, we reached breakeven, a milestone that showcases the strength of our business model. Total Payment Volume Run Rate (in US$) In Brazil, there are over 20 million small businesses (SMBs) that collectively move more than $200 billion annually. However, many still lack access to financial products that truly meet their needs. At Zippi, we are changing this by creating customized financial solutions tailored to the cash flow needs of SMBs, starting with working capital via PIX. Through our payment platform, our clients can purchase supplies with the click of a button and have up to 10 days to repay, gaining the working capital they need to grow their businesses. Our technological infrastructure is what enables us to serve these clients and drives our rapid, profitable growth. We have developed a platform capable of processing a large volume of data and payments and using this information to manage the customer journey in a highly automated way. We manage the entire credit cycle ourselves with an innovative, data science-centered approach. With a team driven by impact and collaboration and more than $20 million in investments from renowned funds such as Y Combinator and Tiger Global, we are building a future where SMBs can achieve success by doing what they love.

Affiniti’s business model is partnering with the most trusted associations in each industry to launch customized business expense management platforms for their audience. Affiniti is looking to replicate what MBNA did in 2005 (launched consumer credit cards with 4,000 association partners & sold to BOA for $34B) . . . except with business cards (higher revenues & lower fraud) and FinTech. After Bank of America acquired MBNA, they lacked the expertise to manage all the custom programs, and killed the partnerships – leaving a huge gap in the market. Affiniti has already signed 17 partners which includes the largest trade association in the United States. In total, they already have an audience of 2M highly-engaged businesses within the government contracting, medical, and real estate industries ready for a tailored business expense management platform that truly serves their profession. With strong backing from industry leaders such as Indicator Ventures, Montage Ventures, Eniac Ventures, Odell Beckham Jr., the owner of the Sacramento Kings, and other notable investors, Affiniti’s vision is clear: to become the #1 industry-based financial operating system for each of the backbone industries of America. Affiniti’s business is designed from the ground up to solve a core dilemma: why is a construction company using the same business expense management platform as a private physician practice if their spending habits, business models, and payback periods are entirely different?

Kueski is the leading online lender for the middle class of Mexico. By visiting Kueski's website, users are able to apply online for a loan by specifying how much money they need and when would they like to pay it back. Kueski applies big data and machine learning to user’s credit history, their social graph and other online information available to build a credit risk model that will approve or reject loan applications in a matter of minutes. The company has grown 7X+ annually since launch and has has achieved better loss rates than a traditional credit card in Mexico.

Delivering the best virtual credit in India.

Ready to dive into the fintech revolution with CheQ? We're not your typical 9-to-5 crew; we're the dynamic force turning credit management into a fun and rewarding journey. Imagine instant repayments that are not just manageable but downright enjoyable. Founded by ex-Flipkart executive Aditya Soni, CheQ has processed over $2 billion in credit repayments in a short span. Yes, that's like buying all IPL teams together! We've built a user base of over a million and raised a whopping $10 million in seed funding backed by industry titans like Venture Highway, 3one4 Capital, Multiply Ventures, Marshot Ventures, and Veda VC. Marquee fintech angels like Naveen Kukreja of PaisaBazaar and Shailaz Nag of Dotpe trust our venture. We're on a mission to make credit easy, enjoyable, and filled with awesome rewards. Picture being part of a community that turns the credit maze into an adventure. If you're ready to experience credit management as a journey where financial responsibilities meet fun, CheQ is here for you. Let's transform the game together!