Fintech startups
Companies rebuilding how money moves, is accounted for, and is reported - from ledgers and ERP to payments and remittances.
What counts as Fintech
Fintech here means companies rebuilding how money moves, is accounted for and is reported. On this hub that covers finance software for company back offices, non-dilutive and alternative lending, cross-border payments and remittances, compliance and financial crime tooling, insurance built for specific trades, and consumer investing and financial education.
Six businesses under one label
Fintech is the broadest word on this site after Consumer. The companies here sort cleanly enough into the back office, lending, payments, compliance, insurance and consumer finance - and the interesting comparisons are mostly within those groups rather than across them.
The finance back office is being rewritten around AI
The largest recent arrival on this hub is Campfire, which raised 100 million dollars to build AI-native ERP for finance and accounting teams. It lands in the same territory as Airbase, which automates procure-to-pay, TrueRev on order-to-cash for smaller companies, and Thriday, which folds banking, accounting and tax together for small business owners.
The shared argument is that the finance function still runs on spreadsheets stitched between systems, and that the stitching is the product.
Capital without an equity round
A distinct group is selling founders an alternative to dilution. Efficient Capital Labs converts recurring revenue into growth capital. Karmen does short-term business lending in France, and Mainvest opens small business financing to ordinary investors. Fairmint takes the idea furthest, letting a startup sell ownership directly to its own community.
Payments keep colliding with identity
The payments companies here rarely describe themselves as payments companies. Skipify is really an identity product - it recognises the shopper, authenticates with the card issuer, and only then presents payment methods. Palla Financial sells cross-border payments to institutions rather than to consumers, and Movemoni attacks the same corridor with pure price transparency.
Compliance became a software category
Hummingbird and Arva AI are the clearest sign of where regulated fintech has gone. Both treat financial crime compliance as an operations problem with too much manual work in it, and both are selling to the institutions rather than around them.
Insurance, narrowed to a trade
The insurtech profiles here all win by picking one customer. Hourly.io bundles payroll with pay-as-you-go workers compensation. Obie embeds cover for real estate investors, and Mode Insurance covers creative freelancers. None of them are trying to be a general insurer.
| Company | What it does | Segment |
|---|---|---|
| Campfire | AI-native ERP for mid-market and early enterprise finance and accounting teams. | Finance back office |
| Airbase | Automates procure-to-pay across intake, accounts payable and expense management. | Finance back office |
| Thriday | Analyses income and expense data in real time to automate banking, accounting and tax for small business. | Finance back office |
| TrueRev | Order-to-cash accounting for SMBs, covering bookings, billings, revenue recognition and SaaS metrics. | Finance back office |
| Efficient Capital Labs | Non-dilutive growth capital that converts predictable recurring revenue into funding. | Alternative lending |
| Niche Capital | Business lending that matches clients to dedicated experts through its LENDERMATCH technology. | Alternative lending |
| Karmen | French fintech providing fast, flexible short-term loans to businesses. | Alternative lending |
| Mainvest | Investment marketplace connecting everyday investors with small businesses raising money. | Alternative lending |
| Skipify | Recognises shoppers at checkout, authenticates them with their card issuer and shows eligible payment methods. | Payments |
| Palla Financial | Lets US banks, credit unions and fintechs offer international payments inside their own apps. | Payments |
| Movemoni | Comparison platform surfacing the best exchange rates and lowest fees on money sent abroad. | Payments |
| Hummingbird | Compliance platform helping financial institutions investigate and manage financial crime risk. | Compliance |
| Arva AI | AI agents handling document intelligence and online presence analysis in financial crime operations. | Compliance |
| Flowlie | Fundraising hub for founders and CFOs covering runway, capital planning and investor targeting. | Startup finance |
| Arc | Helps venture-backed companies diversify deposits and maximise yield across major banks. | Startup finance |
| Fairmint | Lets founders open ownership to their community through a portal on their own website. | Startup finance |
| Hourly.io | Full-service payroll bundled with pay-as-you-go workers compensation insurance. | Insurtech |
| Obie | Embedded insurance built specifically around real estate investors and their partners. | Insurtech |
| Mode Insurance | Flexible insurance for freelancers and small businesses in the creative industries. | Insurtech |
| Karma Wallet | Links a consumer card and reports the sustainability impact of where the money went. | Consumer finance |
Latest in Fintech
Campfire Raises $100M to Reinvent ERP Software for Modern Finance Teams
Campfire operates as an AI-native ERP platform designed specifically for mid-market and early enterprise finance and accounting teams. The platform…
Breaking the Binary: How Efficient Capital Labs is Rewiring Growth Capital for Global SaaS & AI Startups
Efficient Capital Labs provides non-dilutive growth capital to SaaS and AI companies across the globe. By converting predictable recurring revenue into…
The Identity-Powered Payment Solution by Skipify
Skipify recognizes shoppers at checkout, authenticates them with their card issuing banks, and presents their eligible payment methods in real time.…
Turning the Tide: How Hummingbird is Transforming Compliance and the Fight Against Financial Crime
Hummingbird helps financial institutions do more in their fight against financial crime, maximizing efficiency and managing risk with fast, flexible, and…
Why Remittances Deserve Transparency and How Movemoni is Delivering It
Movemoni is a money transfer comparison platform that helps people sending funds abroad find the best exchange rates and lowest fees in seconds. Instead…
Arva AI: Power Your Financial Crime Compliance with an Enterprise AI Workforce
Arva AI streamlines manual financial crime operations at banks and fintechs with AI agents that handle document intelligence, online presence analysis,…
Breaking Borders: How Palla Financial Is Reinventing International Payments
Palla Financial enables U.S. financial institutions—banks, fintechs, and credit unions—to offer seamless international payments directly inside their…
How Karmen Simplifies Business Financing in France
Karmen is a French fintech revolutionizing access to business financing through innovative short-term loans. The company provides fast, flexible funding…
The New Options Trading Journal: How MindTrajour Brings Clarity to Every Trade
MindTrajour brings structure and clarity to the options trading process. It replaces impulsive decisions and messy spreadsheets with clean trade tracking,…
WhatNeoBank: Your Ultimate Guide to Neobanks
WhatNeoBank is a comprehensive platform dedicated to providing the latest information, reviews, and articles about this topic. It aims to help users…
Revolutionizing Business Financing: Niche Capital's Consumer-First Approach
Niche Capital transforms business lending by connecting clients with dedicated experts through its proprietary LENDERMATCH™ technology. This…
A New Era in FinTech: Money Wellth’s Mission to Transform Financial Futures, One Budget at a Time
MoneyWellth is a financial technology company dedicated to empowering financial equity for all. Founded with the mission to enable people to live their…
Mode Insurance Provides Flexible Insurance for Creative Freelancers
Mode Insurance is a brand new insurance company that specialises in flexible insurance solutions for freelancers and small businesses in the creative…
How Flowlie’s All-In-One Fundraising Hub Supported $400M+ in Raises in 70 Countries
Flowlie is the modern all-in-one fundraising hub for tech founders and their CFOs helping them understand their runway, plan their capital needs, explore…
Military Man Leads the Masses to Financial Freedom
Empower the consumer to use the law to make drastic positive changes in their lives.
Airbase: Pioneering the Future of Procure-to-Pay Solutions
Airbase revolutionizes the procure-to-pay process, offering an automated platform that combines intake, accounts payable automation, expense management,…
Thriday uses AI to automate banking, accounting and tax for small businesses
Thriday takes income and expense data and analyses it in real-time using artificial intelligence and machine learning to automate tasks for small business…
Unleashing Opportunity: Prime Plus Mortgages Hard Money Loans
Prime Plus Mortgages, led by entrepreneur Loren Howard, empowers real estate investors in Phoenix, Arizona, through fast access to flexible and reliable…
Charli AI delivers Ground-Breaking True AI for Financial Services
Charli AI is the premier provider of True AI and AI-powered Decision Intelligence across the entire enterprise. Charli offers unprecedented levels of…
From Zero to Hero: The Story of Nada
Nada is a WealthTech platform (nada.co) unlocking access to the $20T+ of untapped home equity in America. Its platform makes it possible for retail…
Parthean’s AI is Closing the Wealth Gap
Parthean is at the forefront of AI-driven personal finance, with a core mission of narrowing the wealth gap through advanced technology. By blending AI…
AI is Bringing Wall Street Technology to Main Street
ToroAlerts was designed to bring “Wall Street Technology to Mainstreet” alerting investors when to buy & when to sell stocks & crypto, with the ability to…
In Just Five Years this Fintech Has Emerged to Lead a Trillion Dollar Market
UNest has revolutionized how parents save for their children's future. The company’s mobile app helps parents easily open and manage tax-advantaged…
How Did this Fintech Change the Face of Saving and Investing for Young Families?
UNest has revolutionized how parents save for their children's future. The company’s mobile app helps parents easily open and manage tax-advantaged…
Obie Revolutizes the Industry Through Embedded Insurance
Obie is an insurance technology company, hyper-focused on driving value for the modern real estate investor and the partners they work with every day.…
Arc: The future of Startup Finance
Arc is a financial technology company that helps venture-back companies diversify deposits & maximize yield across systemically-important banks. Today…
Byaj Book: The Innovative Loan Management Software
Byaj Book is a loan management software that provides a seamless and efficient platform for managing loans. It enables users to process, track and manage…
This startup is giving out AI-generated stock picks that beat any human investor
Candlestick is a startup using AI to help people make smart investing decisions. Candlestick: AI Stock Picks is the startup’s new mobile app, available on…
Revolutionizing finance by empowering SMBs to automate manualtasks and ditch spreadsheets.
TrueRev is Helping SMBs automate order-to-cash accounting: customer bookings, billings, revenue recognition, and SaaS metrics on a single platform.
Personal Finance Meets Climate Change with Karma Wallet
Karma Wallet, the “eco-friendly Mint”, empowers consumers that link their credit cards to the platform with data around the sustainability impact of their…
Refundwiz: The First and Fastest AI/ML Tax Solution
RefundWiz provides financial solutions to under-served demographic groups. RefundWiz offers two products: DIY tax filing app using AI/ML that is natively…
Mainvest: Democratizing Investment into Small Businesses
Mainvest is disrupting the SMB financing market and democratizing investment by building an investment marketplace that connects everyday investors with…
Fairmint: making community ownership easy for fast growing startups
Fairmint makes community ownership easy for disruptive and fast growing startups. Founders can launch the decentralized portal on their website, allowing…
Pay As You Go Workers Comp for Small Businesses
Headquartered in Palo Alto, California, Hourly.io is an insurtech startup offering full-service payroll and workers' comp insurance for small and medium…
You don't have to be a tax expert. That's our job - Luminary Taxes
Luminary Taxes preparer Tax Returns for small business owners and individual Taxpayers. Luminary Taxes assist with minimizing Tax liabilities, such as IRS…
What is Paramount Quote?
ParamountQuote is a life insurance agency that specializes in burial insurance for seniors. This is also known as whole life insurance or final expense…
Till Debt Do Us Part: The Story of DebtMD
DebtMD is a fintech startup platform that connects people with the professional help they need to become debt-free. Their service connects users with…
Dow Janes Proves that Money IS a Women’s Game
Dow Janes, a company with a mission to get more money in the hands of more women+, offers education, tools, and support to help women+ take control of…
Take Your Money Furthr
Furthr is a small Australian business that provides a seamless process for automatic cashback on in- store and online purchases with their wide range of…
Scientiam - Digital Advice for a New Generation
Scientiam helps advisers make an impact on the lives of millions. Scientiam provides investors access to financial literacy and educational content and…
Tailor-made approaches to telesales with Waytobill
Waytobill is an easy payment plug-in system for telesales companies. The smart way to increase the sales conversion and profitability of subscription…
Real estate note investing made simple with Prime Plus Mortgages
Prime Plus Mortgages is a hard money lending and real estate note investment company. They offer hard money loans for house flippers and real estate…
Stock market trades revolutionized with Spiking technology
Developed and launched by Aly Pte Ltd in 2016, Spiking is Singapore’s first financial-technology trading app that uses Artificial Intelligence, dedicated…
As Women Take a Financial Leap Forward, 'Her Retirement' Educates Them How to Successfully Retire
Her Retirement is a financial education and coaching platform that helps women prepare for, transition into and live a better retirement.
Frequently asked questions
What kinds of fintech does this hub cover?
Six recurring segments - finance and accounting software for company back offices, alternative and non-dilutive lending, payments and remittances, compliance and financial crime tooling, insurance aimed at specific trades, and consumer investing and financial education.
Which fintech companies here are the largest?
Campfire is the most heavily funded on the hub, having raised 100 million dollars to build AI-native ERP for finance teams. Airbase in procure-to-pay and Hummingbird in financial crime compliance are the other two working at clear enterprise scale.
What is non-dilutive capital, and who offers it here?
Funding that does not require giving up equity. Efficient Capital Labs converts predictable recurring revenue into growth capital for SaaS and AI companies, and Karmen offers fast short-term loans to businesses in France. Both are alternatives to a priced equity round.
Are there startups working on financial crime and compliance?
Yes, and it is a growing cluster. Hummingbird gives financial institutions faster, more flexible investigation tooling, and Arva AI puts AI agents onto the manual document and online presence work that compliance teams do at banks and fintechs.
Is consumer finance well represented?
Reasonably. It splits between investing tools like Candlestick, ToroAlerts and Spiking, saving products like UNest for children and Nada for home equity, and financial education aimed at specific audiences - Dow Janes and Her Retirement for women, Parthean on the wealth gap, and Scientiam for a younger generation of investors.