Top Finance Technology Startups in 2027

Addepar is a wealth management platform that specializes in data aggregation, analytics and reporting for even the most complex investment portfolios. The company’s platform aggregates portfolio, market, and client data all in one place. It provides asset owners and advisors a clearer financial picture at every level, allowing them to make more informed and timely investment decisions. Addepar works with hundreds of leading financial advisors, family offices, and large financial institutions that manage over $1.3 trillion of assets on the company’s platform. In 2018, Addepar was named as a Forbes Fintech 50 and received Morgan Stanley’s Fintech Award for making a significant impact on the firm’s mission of continuous innovation. Addepar is headquartered in Silicon Valley and has offices in New York City, Chicago, and Salt Lake City.

Plum delivers a high quality, consultative service to CRE owners, and offers a range of loan programs, including access to long-term capital, providing the right terms and options to meet the individual needs of each owner.

We're developing modern products, tools, and services designed for freelancers.

Aleph is an AI-native platform for Financial Planning & Analysis (FP&A). We operate in an established software category with a multi-billion market but no clear winner. Our growth has come from product velocity and customer outcomes, not marketing spend, and the results speak for themselves. Aleph was founded by Albert Gozzi and Santiago Perez De Rosso, two technical founders with backgrounds from Stanford and MIT and experience working at top-tier companies such as Google, Microsoft, and Bain & Company. We’re backed by top VCs (Bain Capital Ventures, Khosla Ventures, YC, Picus Capital), and work with customers like Webflow, Turo, Notion, Zapier, and many others. What we’ve built so far is the most seamless way to centralize all of a company's financial data – think expenses from Quickbooks or Netsuite, pipeline forecasts from Salesforce – and bring it into the tools finance teams are already using. But the vision goes way beyond that: Aleph is AI-native at its core, automating reporting, variance analysis, and forecasting through intelligent agents. We’re building the always-on decision layer for modern businesses. We’re moving fast, shipping constantly, leaning into AI to make the product smarter with every release, while also applying AI to how we sell, support and scale. Our churn is low, growth is strong, and the pace keeps accelerating. We are hiring remotely across the Americas (United States, Canada, LATAM).

Veriff delivers market leading identify verification (IDV). With the combined forces of machine learning and expert in-house specialists, Veriff protects businesses and enables good customers to effortlessly verify themselves. AI speeds up sessions with immediate feedback, while manual checks by our verification gurus mitigates the risk of financial crime.

Wealthfront is a nextgen banking service. We help you manage your money for both your short-term and long-term goals by providing a cash account with a top-of-market APY, best-in-class automated investment management, and free financial advice, anytime you want it. We entered into the banking space in a big way this year with the launch of our cash account that offers an interest rate 23x greater than the national average. We’ve been overwhelmed by the response and have grown nearly 100% this year already to manage nearly $20 billion in total client assets. Our ultimate vision is to optimize and automate all of our clients’ finances and build what we call Self-Driving Money™️. We want clients to be able to automatically deposit their paycheck into their Wealthfront account, and let us take care of the rest — paying their bills, topping off their emergency fund or 401(k), and investing the rest based on their specific goals and lifestyle.

Vena connects people, existing systems and data to power finance-led business planning and real time reporting using the world’s leading spreadsheet platform. For job postings, head to lifeatvena.com

Cher® is revolutionizing real estate by empowering Realtors and homebuyers through innovation, education, and cutting-edge tools. As the first-to-market leader in co-ownership and gamified homebuyer education, we’re transforming the industry with engaging platforms that reward Realtors and homebuyers for progress and achievement. For Realtors, Cher® offers warm leads, personalized marketing resources, and opportunities to grow their business while earning rewards through our unique gamification system. For homebuyers, we simplify the path to homeownership with tailored courses, expert guidance, and co-ownership solutions, making real estate more accessible and exciting. At Cher®, we blend technology, education, and collaboration to create opportunities for success, rewarding milestones along the way. Join us in transforming the real estate experience for Realtors, homebuyers, and communities alike.

Financial institutions process billions of transactions every day across cards, ACH, wires, and third party aggregators. But most of that data is difficult to use. Descriptions are inconsistent, merchant names don’t match, and categories vary by payment type. Spade is a data and AI platform that turns messy transaction strings into structured, verified records — and gives teams the tools to act on it across authorization, attribution, analytics, and AI initiatives. Spade leads the market in terms of merchant coverage, matching accuracy, geolocation data, and speed of transaction enrichment. Customers such as, FIS, Bilt, Mercury, Stripe, alongside many other leaders in fintech and financial services, trust Spade's data to enable personalized rewards programs, accurate applied spending rules, precise analytics requests, and innovative AI-powered features. Spade is a fast growing, Series B company backed by industry experts and top tier investors (including Oak HC/FT, a16z, Flourish Ventures, Y-Combinator, and Gradient Ventures). We’re a lean and execution-oriented hybrid team, passionate about building exceptional products for our growing customer base. We care deeply about diversity of background, experience, and opinion. We value empathy, curiosity, and passion, and strive to create an environment where individuals have autonomy and the ability to take ownership over their work.

We are solving a huge problem in financial services that has been lying unsolved for decades. All major payment systems (including wallets ) require two sided onboarding i.e. Payor and Payee need to onboard before they can transact. We have built a way to generate and transmit Digital Payments without onboarding the Payee/Recipient. This is huge in terms of bringing traditional paper and cash payments online. Add to that, we've figured out a clever way to monetize from both sides thereby changing the financial equation from Customers paying us to us paying our customers cash back from card fees! Our investors, whom we call our "believers," include Tim Draper, Adam Draper (Tim Draper's family), Naval Ravikabt through his AngelList Maiden Fund, co-founder of Intuit and more! Institutional investors include a top 4 bank and top 5 insurance company. Checkbook lets businesses move away from paper to deliver Digital Checks directly to a recipients email. This allows businesses to keep all their existing Accounts Payable (or Accounts Receivable processes) in place while moving to a completely online solution. All you need to send a check is the name and email of the recipient along with the amount you are sending. Recipients do not need to sign up for any service, download any app or pay any fees to receive payments. Digital Checks can be deposited and cashed online after instantly verifying banking credentials. No more paying high % based transaction fees on credit and debit cards or sharing sensitive bank account and routing numbers to payor.