Finance Startups funded by Y Combinator (YC) 2026

Every great investment starts as an idea about the world. Institutions have teams of analysts turning those ideas into positions. Volaren is that team, processing data through fundamentals and quantitative models that can be personalized with AI. Turn your views into trades, portfolios, and strategies, or co-invest alongside top traders and hedge funds. Volaren stays with you from there, showing you what's actually driving each position and what it means for your next move.

Lyon builds private foundation models for banks, insurance companies, and fintechs. Each model learns from the company’s proprietary transactions, payments, clicks, and customer interactions to predict credit, fraud, collections, income, churn, and lifetime value; and runs inside the company’s cloud, so its data and intelligence remain under its control. Lyon is already working with a major insurer and trained a model on 28B transactions for a fintech serving tens of millions of active users, identifying premium-card converters 4x more precisely than its existing rules; the model is now being deployed for credit.

Prodigy is the frontier AI trading research lab. We've trained the world's best foundation model for quantitative finance. We've already achieved more than 100% returns in live trading over the course of our YC batch, doubling our capital while major indices were flat. Our founders previously worked on a trading desk at Jane Street, trained frontier AI models at Google DeepMind and shipped cutting-edge AI at Apple to billions of customers. Join us as we use AI to solve the market.

Audun automates debt collection.

Last Accounting Company (LAC) is a full-stack AI accounting firm. We sell the same service (bookkeeping, tax filings, etc.) as a traditional accounting firm, but underneath agents handle everything and a certified accountant signs off. Our service is faster, cheaper, and fully integrated, allowing our clients to focus on what matters, not accounting admin. LAC replaces both outsourced accountants and legacy accounting software for startups and SMBs. Our system is fully proprietary, from the general ledger to the accounting agents. This allows us to create powerful self-reinforcing loops and ultimately provide a state-of-the-art accounting service.

Billow handles the work of Accounting and FP&A FTEs keeping teams compliant and audit-ready. We work within existing stacks (NetSuite, Coupa, and 80+ other systems) and complex spreadsheets, chasing down information and coordinating approvals across stakeholders. Built by repeat founders; Joan built and exited an accounting/ERP platform (45,000 businesses in 4 years) and Phil built Bloomberg's financial “brain” data infrastructure, and as CTO of a trading platform ($1B in volume). Advisors include CFOs, controllers, auditors from publicly-traded biopharma, and a Big-4 Accounting firm.

Rational is building the first accounting firm with no humans. It's entirely run by our AI employees, who go from client intake to doing the books to filing with the IRS. We secure 90% cost reduction, 24/7 support, and an overall seamless experience for businesses.

Zomma is building the AI workforce for financial services with computer-use agents that onboard like humans and scale like compute. Its agents handle KYC reviews, transaction alerts, and disputes on the same screens human analysts use, no integration.

Definite is where finance teams build everyday back-office agents on one live model of their books. We plug into your ERP, ledger, payroll, and payments read-only and compile everything into one clean model that stays current as money moves. Your back-office team then builds agents on top in plain English. We never write back and we never move money. The agents are yours, the plumbing is ours. We met in first year computer science at Waterloo and interned at Meta, Optiver, and BitGo. At Optiver they ran an n8n hackathon and the interns automated basically nothing. It couldn't talk to the systems that mattered. When we pitched banks and fintechs on agents, they kept telling us the same thing. The agent isn't the hard part, getting clean data out of their systems is. Right now, automating anything in a back office means engineers hand-stitching data from a dozen sources in different formats on different schedules. Tools like n8n and Workato assume your data is already clean and joined. In finance it never is. So the teams with the most repetitive work and smallest budgets get nothing. The hard part is the compiler. Every source gets cleaned, matched, and joined into one live model of transactions, invoices, vendors, and payments, and it has to stay right as money lands every day. Everyone throws engineers at this. We're doing it once so nobody has to again. Every back office is getting agents eventually. Whoever owns the data they read from owns the thing all of them depend on, and eventually the books themselves. That's what we're building.

Levocred AI is the Bloomberg of loans: AI agents that run and price a lender's book. One fund cut the time to mark its book from a week to two hours and now names us as data agent, the system of record, in its loan purchase agreements. $22T of US loans never trade because nobody can price them efficiently and defensibly. We fix pricing first by deploying inside lenders. Trading follows, the way it did for bonds.

Collar helps lean investor relations teams reach the right investors. We automate earnings preparation, track peers and market developments, and target investors who best fit each company. CFOs and IR heads can actually focus on building relationships and getting their company’s story heard.

Cohesion is building the modern system of intelligence for financial analysts. Cohesion believes that the way financial research is done is changing. Teams that leverage AI better understand their research, can cover more scope, and make better decisions.

Foreman is the all-in-one AI-powered project management platform built for construction contractors and the trade industry. Today, contractors run complex businesses on a patchwork of tools that were never designed for construction — estimates in spreadsheets, plans in email, proposals copy-pasted from old Word docs, photos scattered across phones. Nothing talks to anything else, and the admin work never stops. Foreman replaces that patchwork with a single platform that manages the full lifecycle of a construction job, from first estimate to final invoice. Contractors upload plans, photos, or a project description, and Foreman's AI instantly generates structured takeoffs, scoped estimates, and professional proposals — in minutes, not hours. From there, every customer record, document, permit, photo, change order, and conversation lives in one place, organized around the job. The result: contractors spend less time buried in admin and more time building. They bid faster, manage jobs with less chaos, and close projects cleanly — without duct-taping five tools together to do it.

o11 is the AI data warehouse for financial firms. The largest firms build a moat around their data. Today, they pay engineers $200k a year each to spend years organizing/maintaining disconnected sources in a legacy data warehouse. The business intelligence that results is the key unlock, but it's time effort and money that would be better spent elsewhere. o11 brings a custom ontology and data model to firms of any size allowing them to unify CRM, email, files, data rooms, market data, M365, etc. all in one place. We help firms architect their own data warehouse, and then from their AI maintains it. No engineers, no legacy solutions, no complex migration. o11 is built for security and complex permissions from the ground up allowing it to safely connect directly into any agent including Claude, ChatGPT, and Copilot. Leverage your proprietary data -- it's the deal, relationship, and business intelligence that makes your firm special

Goldbridge is building the financial operating system for the largest asset class in the world – real estate. More than $1T in rent flows through landlord bank accounts annually, with roughly a quarter locked in idle reserves and security deposits – and billions more leaking from unnecessary property expenses. And with $2.5T in real estate loans about to mature in 2027/28, property owners are desperate to boost their income ASAP. Goldbridge solves this problem by creating the first AI-powered banking platform for real estate owners. We are backed by Y Combinator and other world-class investors, and our founding team includes a 2x YC founder, former White House advisor, and 100-unit real estate owner/operator with deep industry expertise. Come help us redefine the future of real estate.

We make your agents pay. As agents evolve from tools into dependable, autonomous actors, they’ll need the ability to execute open-ended workflows end-to-end. This inevitably means payments: accessing paywalled data, transacting for services or with other specialist agents. But autonomy requires guardrails. Businesses and developers will need a way to ensure their agents only spend how much and on what they’re supposed to. The machine economy is coming, and Locus (YC F25) is building the connector businesses will need to participate. We connect agents securely to funds, letting you define permissions and limits for every transaction. Each payment is traceable, auditable, and fully reconcilable with your existing financial stack.

Crunched is the Excel AI analyst for power users - in consulting, investment banking, and private equity. It error-checks workbooks end-to-end, builds models from scratch, and handles grunt work like extracting and linking data from IMs to template models - all within Excel so teams can review and iterate as usual. Agents struggle with tabular data - getting reliable, multi-step execution over thousands of interlinked formulas, sheets, and ranges is hard. Making Crunched good enough for people who live in Excel means knowing the pain points deeply. Michael and Philip has 10,000+ hours in Excel across consulting and finance. Markus and Lars bring deep expertise in scaling AI and enterprise solutions. We've had easy access to first customers and are already live with firms across six European countries - we now plan to expand into the US. With >1bn total Excel users, we focus on the top 2%, highest-value Excel users globally. We're solving one pain point at a time to create a product that doesn't just look good in a demo but actually works in production. Excel is here to stay, but the way experts model is fundamentally changing - with Crunched.

Bring us risk. We’ll find the market. Institutional liquidity for event-driven exposure across prediction markets.

Fully automate your accounts payable with the most advanced AI clerks in the world. Then ask them anything about your spend. They build custom reports, find savings, and tell you exactly when to pay to protect cash flow and capture discounts. Clerked is the only AP platform that lets you manage your payables entirely from your phone, in Teams, Slack or iMessage. See it work at clerked.ai

Zalos is the Finance Automation Workbench for enterprise finance teams. Zero Integrations | Transparent Decisioning | Outcome-based Pricing Learn more at www.zalos.ai/contact-us Zalos AI Workers automate processes with improved accuracy, controls & auditability, using a Finance-specific agent harness & skill library. Backed by Y Combinator, 14 Peaks, Cohen Circle and strategic angels such as CFO Fedex, Board Member TA Associates, COO Deel and more. Hire Zalos AI workers such as: • Zalos AI Staff Accountant • Zalos AI Billing Analyst • Zalos AI AP Analyst • Zalos AI Treasury Manager And more. Discuss your enterprise finance transformation at www.zalos.ai/contact-us

Serafis is building super-intelligence for financial markets. We mine petabytes of unstructured data to identify narrative inflections before they become consensus. Think building early conviction in Bitcoin (2014), Tesla (2018), or Nvidia (2022). We are already live with 12 organizations managing over $70B in capital.

ProcIndex uses AI to automate accounting operations for the construction and manufacturing sectors. It connects to your existing ERP and operates in the background while giving you full visibility into its actions. By automating accounts payable, accounts receivable, reconciliation, and vendor management, ProcIndex helps accounting teams improve efficiency by 33%.

Vesence is building AI for High-Stakes Work. Already rolled out at law firms, investment funds, consultants, and where details matters the most. Vesence is a browser-based desktop where professionals work alongside agents to review work, send emails, manage their calendar, and edit decks, documents and spreadsheets.

Parsewise provides multi-document processing and analysis that you can embed in your own product. Operations teams use our platform for oversight and control over their fleet of AI agents, and our MCP to make Claude work at scale with traceability. Tech teams use our API to replace complex processing pipelines resolving values across documents. We help customers assess complex risk at scale: manage casualty, specialty, KYC, and financial risks, so teams can act faster and defend their decisions with confidence.

TamLabs agent teams deliver professional work products with speed and precision.

Trata is an AI-powered research desk for hedge funds. We use agents to interview hedge fund analysts, write investment research, and distribute this through a subscription.

Month-end shouldn’t be a race against the clock. For most mid-to-enterprise finance teams, accruals are a manual bottleneck. Chasing missing invoices and manually updating spreadsheets can eat up 4+ days of every month-end close. Mesh changes the timeline. We automate 90% of the accruals process by capturing real-time usage and service signals directly from your AP inbox, Slack, Teams, and historical journals. We turn fragmented data into audit-ready outputs, so you can stop guessing and start closing. See how top teams are accelerating their close by 4+ days at www.usemesh.com

finbar is the AI investment analyst used by several top-20 (AUM) hedge funds. It automates financial modelling, research, and data analysis so multi-million-dollar decisions can be made 100x faster.

Keye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha. -- Our system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions. -- Keye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.

Step 1: Build the Prime Radiant Step 2: Apply it to Financial Markets Step 3: Manage the world's assets

Blaze (YC S24) is the agentic finance platform. For businesses it's an AI CFO that pays bills, invoices clients, and forecasts cash. For people it's an agent that sends money, converts currencies, and manages your finances globally: you set the rules, it handles the rest. Other AI finance tools just report. Blaze moves the money, on your approval, in stablecoins or straight through the banking system. The founders scaled their last startup to $1M in ARR, studied at Duke, NYU, and Cornell, and led teams at Spotify and Artsy. npx @blaze-money/cli · https://blaze.money

Today, onboarding, servicing, and collections still depend on large human teams — which means operations scale linearly with loan volume. PathPilot deploys specialized AI agents that handle 60–80% of high-volume operational workflows, turning human-heavy processes into scalable software. These agents operate alongside internal teams — embedded directly into existing systems. This allows lenders to grow loan volume and revenue without proportional headcount growth.

Modus helps companies hire and retain only the people they need instead of becoming bloated messes. Modus connects your HRIS, ATS, and analyzes extensive data across your organization so leaders can detect, inspect, and correct their workforce plans - without relying on spreadsheets or complex systems. Lin experienced these challenges firsthand as a VP BizOps at HashiCorp, scaling from 100 employees to IPO, while Chris and Amar faced similar issues scaling 40+ person teams as a fractional CTO. They’re motivated by the belief that companies should have the least number of employees possible.

Sharpe helps traders go from idea to profit in minutes with AI, bundling petabytes of market data with high-performance infrastructure.

LedgerUp is your AI billing teammate for B2B SaaS, transforming contract-based billing from a chore into a frictionless, revenue-accelerating process. We parse contracts, issue invoices, and collect payments in real-time, all while surfacing actionable analytics, allowing your finance team to escape spreadsheet chaos and focus on strategic growth. Just close deals and let us handle your billing for you.

Benchify provides an execution layer for healthcare contracts, applying contract logic across audits, claim processing, and optimization. Payments are calculated correctly today, while contract performance becomes measurable and improvable over time.

Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. Clients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. Sebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.

Elevate is bringing AI to private equity-backed roll-ups. For example, one of our customers is Guardian Restoration Partners, which is backed by Alpine Investors, the leading roll-up focused private equity firm. In three months, we integrated 10 acquisitions and enabled them to pilot AI agents built on top of our data warehouse. We know this problem personally. Before Elevate, Scott was a Vice President at a $15B private equity firm where he was leading a roll-up. Steve and Jeff are both software engineers with backgrounds across finance, big tech, and start-ups. The founding team has been friends for over a decade from their Duke undergraduate days.

FINNY is the AI-native organic growth engine for financial advisors, focused on helping them grow their practices Our goal is to empower financial advisors to reach the right potential clients at the right time, with the right message. We are building a world where anyone who wants financial advice can connect with the right advisor, while helping advisors ensure organic growth, the most existential problem advisors face. The organic growth process has historically been highly inefficient and full of noise. Advisors often waste 60+ hours of business development to convert 1 new client. At FINNY, we are certain we can do better with AI. With our tool, advisors can: - Identify prospects within their target niche, aggregating thousands of data points per lead - Prioritize prospects based on their predicted likelihood of converting using F-Score, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, FINNY does all the rote work for the advisors, letting them focus on what actually matters: the client relationship.

Clarum automates diligence, monitoring, and reporting for private market investors. Our AI agents learn how each firm works and automate their process end to end. Everything is individualized (checklists, templates, scoring models) and adapts as your process changes. Clarum also acts as a self-updating knowledge base across every document your firm has ever seen, connecting dots no analyst could.

We are scaling autonomous research, Markets are our verification loop: agents turn hypotheses into strategies, test them, and compound what survives.

Team: Chaz: Founder of Fat Llama YC S17 - Acquired by Hygglo. Responsible for Business and Sales Arns: Founder of Fancy S20 - Acquired by Gopuff, Responsible for tech and product.

Monumint is conversational AI for financial services. We help banks, credit unions, and lenders build lasting customer relationships across the entire customer journey from account opening and loan origination to servicing and collections. Our AI agents are omni-channel, take action inside the systems financial institutions already use, and are built with compliance at their core.

Accend helps commercial banks and fintechs underwrite business customers faster, win more deals and increase revenue. We provide an end-to-end platform to automate document intake, financial statement / tax spreading, cash flow modeling, credit memos and portfolio management, with audit-ready AI and human-in-the-loop accuracy. Companies like Corpay, Brex, Rippling, Rho, Column, Settle, and many others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting efficiency Before starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.

Casca is building AGI for Banking. Our first product is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. We’ve found product market fit already serving top 10 US banks and are scaling our team very quickly. Small businesses are the heart of the American economy. Many banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes. We unlock affordable, quick bank funding for the 30M+ small businesses in the US who would otherwise be subject to the high interest rates from predatory online lenders. We are a world-class team of banking & AI experts from Stanford, MIT & Y Combinator. We like to win and we know that the only thing between us and the title is our own ability to improve every day.

VectorShift is the AI operating system for private market investors.VectorShift is the AI operating system for private market investors. We capture a firm's institutional knowledge across every deal, decision, and diligence finding, and put it to work across data room analysis, IC memos, portfolio company monitoring, and LP reporting.