Finance Startups funded by Y Combinator (YC) 2025

We’re building the financial OS for a trillion dollar vertical. Banking + intelligence + automation -- custom-built for real estate owners & operators.

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.

Selfin is developing AI-powered banking. Users can enjoy personalised recommendations and optimisations of their finances by connecting all their financial products on a single platform.

We're building the agentic workforce that will replace the bottom half of the accounting org chart. Our agents imitate accounting clerks, taking charge of the entire workflow; vendor communication, fraud detection, invoice coding and exception handling. In just 49 days, we built a compliant platform from scratch and closed 6 enterprise contracts ($165k cARR), helping customers reduce labor costs by 83%. 4 of these customers are also participating in our seed round! Evan & Jeet are previous founders from LinkedIn, Amazon, and Adyen, that met studying CS at UIUC.

*Eliminate your Finance Operations grunt work!* ⚡Computer Agent logs into existing systems (e.g., ERP, Accounting, other CFO systems) ⚡Automates Finance processes (e.g., pricing, billing, month-end) ⚡Uploads & submits in your system (e.g., create journal entry) *The Blockers ➜ Your Finance Systems:* Finance Operations is buried in repetitive tasks, driving: ❌ Lack finance visibility for decision-making ❌ Wasted time by in-house or outsourced teams ❌ Mistakes and delays from human-driven processes Barriers to FinOps automation have included: 🚨 Legacy ERPs with limited AI 🚨 Authentication-protected websites & portals 🚨 Too many Finance Systems that lack full integrations It doesn’t have to be this way. ⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻ *The Breakthrough ➜ Zalos:* Zalos Agents run your rule-based processes, using your existing Finance applications: ⭐ Our agents automate processes based on simple instructions (e.g., Screen Recording, PDFs) ⭐ Native handling of ERPs or other applications (e.g., 2FA, Captcha) ⭐ Superior performance from our FinOps libraries (e.g., Data Extraction & Harmonization, Reconciliation, etc.) Customer story: FROM: In the Bay area, a Finance Manager was wasting 8 days (!) per month: ✖️ Downloads transactions from Corporate Credit Cards & legacy Banks ✖️ Uploads into NetSuite and manually categorizes 100s of transactions USING ZALOS: Finance Manager schedules ‘run process’ weekly: ✔️ Zalos handles 2FA to download & submit required transactions ✔️ Zalos operates NetSuite to categorize >60% outstanding transactions * No browser required: Zalos works silently in the background, whilst continuously improving itself. Gaining 2 days per week was transformational. The Finance Manager could 🟪 Reduce financial risks with closer inspection (e.g., debt covenants) 🟪 Catch cash leakages by spotting suppliers being paid at generous terms 🟪 Be a strategic partner to the CEO & business with better analysis ⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻ Zalos transforms your Finance Operations: ☑️ Scale without headcount - don’t let Operations teams be a bottleneck ☑️ Smarter every day, with evals & RL-finetuning driving a self-performing system ☑️ Built for Enterprise-grade security and screen records every automation for audit ➡Interested? Request demo here: https://www.zalos.ai/contact-us

Serafis is a search and discovery engine for long-form content. Our AI knowledge graph turns under-indexed data into structured market intelligence — starting with podcasts. We help investors and operators: • Accelerate research • Surface new insights • Distill signal from noise We are already live with 12 organizations managing over $70B in capital. Our library features >10,000 curated transcripts featuring top investors, Series A+ founders, and public company CEOs — searchable by person, company or theme.

IronLedger provides AI agents for property accounting, starting with accounts payable. We eliminate more than $70K of accounting costs annually for over 35K multifamily units. Soon, we'll be providing end-to-end accounting services including automated billbacks, month-end close and bank reconciliation. https://www.ironledger.ai/

Tejas AI eliminates uncertainty, allowing decision-makers to develop and evaluate credit rules more quickly and effectively.

TamLabs transforms Microsoft Word into an AI-native document editor. Our plugin enables instant document changes with git-style previews, automated comment implementation, and formatting preservation.

Demeter is the AI platform to maximize private investment returns. It enriches portfolio data with deep research to automate performance tracking and benchmarking for value creation.

We started Trace because we believe AI should wow customers, not frustrate them. As a result, we prioritize reliability and seamless customer interactions. Trace AI agents resolve calls end-to-end, securely integrating with bank systems and external APIs. So far, our agents handle quoting, application, and transaction tracking calls for our partners — but we’re still searching for new exciting use cases. Question to all fintechs/banks: Which customer requests keep coming back to you? We’d love to learn how you handle them now and if they are ripe for automation.

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.

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.

We’re building a research lab that puts its ideas to the test in one of the most complex, information-rich environments in the world: the financial markets. Much of trading still depends on hand-crafted signals and intuition. We’re approaching it differently - from first principles. We design systems that learn, adapt, and improve with data. Our infrastructure is built to accelerate research: fast iteration loops, real-time feedback, and direct connection between ideas and outcomes. We’re starting with liquid markets like equities and options - high-dimensional, dynamic systems where traditional pipelines break down. Our goal isn’t just to model them better - it’s to build a platform for experimentation, where every result tightens the loop between theory and practice. If you care about learning systems, clean abstractions, and applying research in the wild - we’re hiring.

Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money

PathPilot is the AI platform powering the next generation of financial operations. We build fintech-specialized AI agents that automate the most critical and manual workflows — loan origination, customer support, onboarding, collections, and regulatory oversight — so financial institutions can scale with confidence.

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.

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.

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 building a new operating system for independent financial advisors, and starting by helping them grow. Our goal is to empower the best financial advisors (the independents!) to serve all Americans who want financial advice. We are starting with growth, which is the most existential problem advisors face. The organic growth process is 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, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, doing all the work for the advisors, and letting them focus on what actually matters, the client relationship.

Clarum is an investment due diligence and research platform designed for private equity investors. It connects directly to a firm’s data sources, structures key financial metrics and deal terms, and performs analysis with AI across Excel, Word, and PowerPoint—mirroring the approach of an associate conducting due diligence. Clarum is trusted by private equity firms, family offices, venture capital groups, and consulting teams. We automate major parts of the diligence workflow, enabling faster insights and better risk coverage.

Meticulate is an AI-native prospecting engine for sales teams. We make it simple to send stellar outbound messaging at scale. Instead of using boilerplate campaigns, Meticulate codifies your rules and messaging strategy (e.g. “CFOs want to hear an ROI calc upfront”) and combines it with deep prospect research to draft sequences for every prospect from scratch. We’re serving leading GTM teams today (incl OpenAI, Noda, ThreeKit), and are backed by leading AI investors: Y Combinator, Link, Cervin Ventures.

Double lets anyone design and invest in their own stock index that’s advised, managed and tax optimized by Double.

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.

At Omni, we’re rebuilding how banks and fintechs lend to small businesses. There are 34 million small businesses in the U.S., yet getting a loan still means weeks of emails, PDFs, and paperwork. Every deal starts with a pile of documents — tax returns, bank statements, corporate filings, and contracts that no one wants to read but everyone depends on. Omni is changing that. We work directly with lenders to modernize the entire stack, from document intake to underwriting, and we’re doing it with a small, fast-moving team that ships real systems used in production every day.

Casca is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. Our solutions streamline the entire loan process—from customizable application forms and secure applicant portals to AI-powered assistants, automated document collection, KYB checks, and underwriting. We’ve found product market fit 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.

Catamaran uses AI to help people make clearer, faster decisions about risk. Our platform brings all internal and external risk data into one easy-to-understand workspace. By automating data gathering, checking, and scenario testing, we help insurers, reinsurers, brokers, and investors quickly understand and manage their risks. Catamaran also provides a regulated marketplace to easily buy, sell, and manage insurance coverage.

Palomma builds vertical AI agents and payments for residential property managers and developers to help them sell more and automate their operations. Their first three agents focus on inbound leasing, outbound sales and collections (+ embedded payments).

Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.

Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.

Alphawatch AI powers real-world market intelligence for Fortune 500s, $100B+ AUM investment funds, and global pharmaceutical leaders. We combine proprietary data with AI-driven, on-the-ground collection, reaching real operators in real time to surface forward-looking insights that inform billion-dollar market entries, acquisitions, and strategic decisions.

There are billions of dollars of hospital waste caused by inefficient, disconnected supply chains and finance data. Today, clinics are facing unprecedented backorders, recalls, and purchase verticals (medical devices, SaaS, security, commodities). We are building a single product to 10x a fragmented industry with each tool built almost 20 years ago.

Mantys helps SaaS companies calculate and forecast their ARR accurately in real time without using multiple spreadsheets. For example, NextBillion uses Mantys to pull data from HubSpot and Chargebee and create real-time views of their Contracted ARR, Billed ARR, Churn, and forecasted ARR

Metal is an AI platform for private equity firms. We help PE firms accelerate due diligence and agentic private capital workflows by automating data analysis, document processing, and insights extraction across deal flow operations.

Benchmark is the trusted AI platform for investment firms. Today, leading firms use Benchmark to screen deals, extract insights from unstructured data, and automate workflows. Our platform combines cutting-edge AI with deep industry expertise to help investment firms make smarter, faster decisions across their entire deal lifecycle.

Automating call center operations at debt settlement companies, with AI that plugs into CRM, identifies debts to settle, and negotiates with creditors over the phone.

Mulligan is an end-to-end AI automation platform for commercial insurance brokers. Automates quoting, policy checking, proposals and more by up to 90%. Start for free at usemulligan.com

Fintool.com is a financial copilot for institutional investors. It’s ChatGPT on top of financial documents. Fintool is engineered to discover financial insights that are beyond the reach of human analysis or search software.

Pivot helps you visualise, analyse and model your company's financial data way faster than Excel.

Ballerine is an Open-source KYC & risk management infrastructure. How can you use Ballerine? 1. Open-source building blocks (such as UI flows, back office, rule engine, etc.) to customize KYC and risk flows for any use case. 2. Global orchestration of KYC vendors that play nicely with any of our building blocks. 3. For enterprises - compliance coverage as a service. Try Ballerine now at - https://github.com/ballerine-io/ballerine Hit us up with any questions at founders@ballerine.com

Capix makes finding private equity firms fast and accurate by aggregating and enriching data from multiple sources into one customizable platform.

Rima is an AI reconciliation assistant for accountants that enables them to complete complex reconciliations in minutes instead of hours We are on a mission to build the automation layer for reconciliation for every ERP and payment system.

Levers is an accounts receivable management SaaS that helps B2B companies reduce overdue payments, accelerate cash collection, and boost cashflow. Our software integrates with your accounting system and streamlines your AR process using personalized reminders, cross-team collaboration tools, collection performance analytics, and more.

Finnt AI Agents run Controllership and Accounting procedures to accelerate time to close and increase accuracy. ERP-ready journals and financial reports delivered in under 5 minutes, with audit-trail and commentary.

Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.

AYC Fund is web3 VC and web3 liquid fund.