Top Fin Tech Startups in San Francisco, CA

We’re the essential technology platform used by hundreds of thousands of homebuyers and sellers to partner with top real estate agents and win at any step of the real estate journey — whether that’s finding a top agent, securing a competitive mortgage, or ensuring on-time, easy close. Every year, we facilitate billions of dollars of real estate on our platform. HomeLight empowers people to achieve better outcomes during one of life’s most important events: buying or selling their home. Our vision is a world where every real estate transaction is simple, certain, and satisfying.

Gusto is a modern, online people platform that helps small businesses take care of their teams. On top of full-service payroll, Gusto offers health insurance, 401(k)s, expert HR, and team management tools. Today, Gusto offices in Denver, San Francisco, and New York serve more than 100,000 businesses nationwide. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto.

Modern Treasury builds payment operations software for high-growth companies. Our API and app modernize payment operations for disruptive companies building products that move and track money—think: rideshare marketplaces, digital wallet, fiat-crypto onramps—providing tools that help them grow faster. Enabling real-time payments, automatic reconciliation, continuous accounting, and compliance solutions, Modern Treasury’s platform is used to reconcile over three billion dollars per month. Founded in 2018, San Francisco-based Modern Treasury is backed by Benchmark, Altimeter, SVB Capital, Salesforce Ventures, NewView Capital, and Y Combinator.

Brex is building a first-of-its-kind solution to integrate the financial services and software that businesses need to be successful. While they build the future, we’ll be building everything they need to launch confidently and scale smarter. We are a hybrid company, optimizing for flexibility and connection. Our employees work remotely while coming to the office for a few coordinated days per week. We have offices in San Francisco, New York, Seattle, Salt Lake, Vancouver BC and Sao Paulo.

Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly through alternative credit data. As a Consumer Reporting Agency (CRA), Nova Credit leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill critical gaps in traditional credit analytics. The company transforms the fragmented universe of consumer financial data into compliant, actionable risk insights through a comprehensive platform designed to increase conversion through expanded coverage, speed, and reliability. Leading organizations, including HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi, work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. Learn more at novacredit.com or reach out to [email protected]

Check is a payroll-as-a-service API that lets you embed payroll directly in your vertical SaaS, HR, or time-tracking platform. Our API abstracts away the complexities of running payroll: tax calculation, remittance, and filing, plus the movement of money between companies and employees. This enables companies to easily build fully integrated payroll products to offer to their customers. Check believes in a future where small business owners don’t have to think about payroll — it’ll simply be embedded in the platforms they already use to run their businesses. With the strong tailwinds of (1) the rise of vertical software and (2) the growth of embedded fin-tech at our back, Check is building the infrastructure to power that future, and ultimately we believe we’ll enable thousands of new platforms, millions of businesses, and hundreds of millions of workers.

Luminary's technology platform enables wealth advisors to deliver generational gift and philanthropic giving solutions at scale. More than $100 billion in family and philanthropic giving capacity is created each year. But flaws in the current process impose over a billion in annual costs in order to access it. We are building the first product for wealth managers to automate the complex, and inefficient estate planning process.

We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast. We build tools that help people feel in control of their financial future. Private student loans – low rates, people-first service, and flexible payments. Student loan refinancing – break free from high interest rates or monthly payments. Scholarships – access to thousands of scholarships to help students pay less. We're a fast-growing company, and that means we're constantly integrating the new perspectives of every individual. Looking for an impactful job with purpose? Visit our careers page to see our available opportunities! earnest.com/careers

We eliminate tens of thousands in upfront data expenses, while giving you the instant flexibility to pick up real-time full exchange feeds or terabytes of historical data when you need it. Whether you're a Fortune 500 bank or a single-person startup, we scale with your budget and needs to deliver the same cutting edge performance and data integrity. For more info, visit databento.com

Lively is the modern HSA experience built for those seeking stability in the ever-shifting and uncertain healthcare landscape. Lively is committed to helping every HSA maximize its potential through intuitive design, accessible support, and ongoing education.