Top Enterprises Startups in 2026

Lenders spend over $24B every year hiring agents to perform manual, repetitive servicing work. Existing AI solutions try to automate this, but they treat regulatory guardrails as an afterthought. Kato takes a different approach. Regulations aren’t an afterthought - they’re the foundation. We start with a regulatory rules system and layer an AI decision engine on top of it. With this architecture, we’re building an AI-powered servicing platform that automates critical workflows across every channel with full compliance and best-in-class recoveries. We are starting today with a compliance first Voice AI agent that handles outbound and inbound loan servicing calls, and are already in production with major names in the fintech lending space like Bilt Rewards, Bluevine and Parafin. Here's what makes us different from most venture-backed startups: we're profitable with strong unit economics, so we own our destiny. We're not forced to raise capital to survive; we'll raise strategically, on our terms, to accelerate the business when it makes sense. That changes how we work: - We make long-term decisions. We optimize for durable, long-term value, not short-term vanity metrics. - We run like a real business. We focus on what matters and have no patience for false busyness. - You share in what we build. Through profit sharing, when the company does well, you do well. We're looking for people who want to build deliberately, operate with discipline, and share in what we create. Kato is founded by a team with deep operating expertise in financial services and software engineering: - Pratik Risbud (CEO/Co-Founder): Former Investment Banker at Goldman Sachs and led Credit/Operations at Brex - David Zhu (CTO/Co-Founder): Former Software Engineer at Google and Engineering Manager at Brex Kato is backed by institutional capital from Pear VC and angel investors from top tech companies such as Brex, Bridge, and Square.

ArcRelay Ops is a field service management software platform for HVAC, plumbing, and electrical service businesses. It gives contractors one place to manage scheduling, customer communication, field teams, job workflows, and day-to-day operations. We’re focused on making field service software practical and easy to use for growing service companies. We work closely with customers, use their feedback to improve the platform, and focus on solving real operational problems without unnecessary complexity.

We help your brand stand for something bigger by uncovering the belief that you hold dear and using it as a compass to guide everything you do. We have been helping brands, companies, events and individuals to get noticed, boost their identity and significantly improve sales. We are a one stop shop for communications, strategy, design, digital marketing, brand partnerships, event curation + execution while working round the clock to get our clients in the news.

StarCast is building the trust, licensing, and rights infrastructure for the AI likeness economy. We enable creators to securely license AI versions of their identity (face, voice, and digital persona) to businesses while maintaining full ownership, approvals, pricing, usage rights, and restrictions. We're solving hard infrastructure problems around AI identity, consent verification, licensing, payments, authorization, and scalable AI workflows. Long term, we're building an AI Identity API and consent layer that AI platforms can use to verify whether a person's likeness is authorized before it is generated or deployed. This is a systems engineering challenge involving secure identity, distributed architectures, AI orchestration, enterprise workflows, and internet-scale infrastructure not just another AI application.

Founded in 2019, HG Mobile builds and operates a portfolio of consumer mobile applications. We're a small, focused team of 7, looking to add more, which means your work has direct and visible impact.