Mark Smith
This article showcases our top picks for the best San Francisco based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovation
- Innovative ideas
- Innovative route to market
- Innovative product
- Growth
- Exceptional growth
- Exceptional growth strategy
- Management
- Societal impact
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Top San Francisco FinTech Startups
Data sourced from Crunchbase and SemRush.
Square
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Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology.
Plaid
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Plaid provides companies with the tools and access needed for the development of a digitally-enabled financial system.
SoFi
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SoFi is a finance company that offers a range of lending and wealth management services.
Flutterwave
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Flutterwave is a fintech company that provides a payment infrastructure for global merchants and payment service providers.
Ripple
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Ripple provides one frictionless experience to send money globally using the power of blockchain.
Kraken
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Kraken is a cryptocurrency exchange that provides spot and futures trading between Bitcoin, Ethereum and 40+ other digital assets.
Brex
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Brex is a fintech company that offers credit cards and cash management solutions for their customers to save and spend money.
Airbase
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Airbase serves as an all-in-one spend management platform that helps companies with their financial control and visibility.
Figure
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Figure is a financial services company leveraging blockchain technology.
Carta
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Carta is building a global ownership management platform to help companies, investors, and employees manage their equity.
CircleUp
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CircleUp is an investment platform that provides capital and resources to innovative, early-stage consumer brands.
Synctera
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Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.
Chipper Cash
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Chipper Cash is a fintech platform that offers mobile, cross-border money transfer services.
HoneyBook
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HoneyBook is a business management platform creating tools to help creative entrepreneurs run their business on their own terms.
Forge
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Forge (formerly Equidate) is a marketplace for private equity, giving private and institutional investors access to top pre-IPO companies.
Chargebee
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Chargebee provides subscription and recurring billing systems for SaaS and e-commerce businesses.
Uphold
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Uphold is a digital wallet and trading platform that enables cryptocurrencies and other assets affordable and accessible for everyone.
Stripe
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Stripe is a developer-oriented commerce company helping small and large companies accept web and mobile payments.
Secfi
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Secfi works with startup employees and founders to provide equity planning and stock option financing.
Indiegogo
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Indiegogo is a crowdfunding platform empowering people around the world to fund projects that matter to them.
Lending Club
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Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors.
Expensify
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Expensify is a financial services startup that provides an integrated expense management and corporate card product for customers worldwide.
Doma
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Doma is an insurtech platform that uses machine intelligence to remove friction from residential real estate transactions.
HomeLight
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HomeLight is building the future of real estate — today.
Aura Financial
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Aura is a financial service company that provides affordable, credit-building loans to working families.
Fundbox
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Fundbox is an AI-powered financial platform for small businesses.
Collective
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Collective provides financial concierge services for self-employed people and businesses.
Stellar Development Foundation
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A non-profit organization that supports the development and growth of Stellar, a blockchain network that connects financial infrastructure.
Pilot
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Pilot is a platform that offers bookkeeping, tax, and CFO services for growing businesses.
Sentieo
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Sentieo is a research platform that provides insights within the finance and corporate world.
Upgrade
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Upgrade is a neobank that offers affordable and responsible credit to mainstream consumers.
The Beans
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The Beans offers a software application platform that creates personalized cash flow plans designed for its users.
Blair
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Blair provides a platform that allows schools to finance students through Income-Share Agreements.
Prosper Marketplace
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Prosper Marketplace is an online lending platform that connects people who want to borrow money with individuals and institutions.
Varo Money
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Varo Money is a mobile banking business that helps customers cover their expenses, pay their bills, and build their wealth over time.
Very Good Security
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Very Good Security is a fintech & data security enablement platform helping to maximize the value of data without compliance & breach risk.
Wyre
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Wyre develops a wide variety of payment APIs that offer a fast and cost-effective way of transferring money.
LoanSnap
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LoanSnap is on a mission to improve every American’s finances
Taulia
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Taulia is a FinTech startup that provides working capital management and electronic invoicing services for supply chain companies.
LendingHome
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LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors.
Plastiq
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Plastiq offers a bill pay service for businesses to better manage their cash flow.
Human Interest
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Human Interest is a 401(k) provider that helps employees of small and medium-sized businesses save for retirement.
Veem
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Veem is a payment service provider that helps simplify the way businesses send and receive funds.
Chia Network
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Chia Network is building a blockchain platform based on Proofs of Space and Time.
CoinList
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CoinList provides a platform for digital asset companies to run their token sales.
Zeta
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Zeta is a modern banking tech company providing Modern Core and Processing for FIs and Embeddable Banking for fintechs and distributors.
Finley Technologies
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Finley develops software that helps companies automate due diligence, ensure compliance, and streamline ongoing reporting.
Set Labs
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Set Labs is a crypto-financial platform that allows users to create baskets of cryptocurrency, NFTs, and on-chain securities.
Resolve
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Resolve is a B2B payments platform that offers buy now, pay later billing for business purchases.
Branch International
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Branch offers mobile financial services across emerging markets to spur human potential.
Compound
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Compound is an open-source interest rate protocol that unlocks new financial applications.
Treasury Prime
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Treasury Prime is a Banking-as-a-Service company that connects banks and FinTechs through an API.
EquBot
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EquBot’s AI platform with Watson helps global investment professionals deliver better outcomes through portfolios as a service (PasS).
Nova Credit
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Nova Credit is a consumer-first credit bureau that enables financial access for immigrants and others discouraged by the financial system
Fivestars
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Fivestars helps businesses and communities thrive by turning every transaction into a relationship.
Gusto
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Gusto provides a cloud-based payroll, benefits, and human resource management solution for businesses.
Celo
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Celo is an open platform that makes financial tools accessible to anyone with a mobile phone.
Chime
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Chime is a fintech company that helps its members avoid bank fees, save money automatically, and lead healthier financial lives.
Boast.AI
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Boast.AI is a tool designed to automate R&D tax credit-based financing for startups.
TrustToken
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TrustToken is a platform to create asset-backed tokens that can be used for buying and selling around the world.
Tally
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Tally is a financial automation company that helps members payoff credit card debt.
SigFig
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SigFig is financial services firm that dedicates in making high-quality investment advice to investors of all wealth levels.
Earnest
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Earnest is a technology-lender that brings low-interest loans to high-potential people.
Finix Payments
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Finix Payments is a fintech company that develops a payment processing platform for businesses.
Eco
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Eco provides a digital global cryptocurrency platform that can be used as a payment tool for daily-use transactions.
CommonStock
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CommonStock is a developer of a group chat platform that is designed to share investment knowledge and decisions.
AlphaFlow
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AlphaFlow is a tech-driven investment company providing professionally managed portfolios of real estate loans to institutional investors.
WeTravel
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WeTravel is an online payment platform that offers organizers with pre-departure tools to collect funds and organize logistics.
PayJoy
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PayJoy finances the purchase of new smartphones, and loans to existing smartphone owners, in Mexico and other emerging markets.
Synapse
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Synapse is a banking platform that enables companies to provide financial products to their customers.
Keeper Tax
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Discover the tax write-offs you’ve been missing
Hearsay Systems
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Hearsay offers the complete client engagement solution for financial services.
Unit21
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Unit21 is a platform that provides no-code tools and services for risk and compliance teams.
Oxygen
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Oxygen is a neobank that develop tools for consumers and small businesses through financial platform designed for the 21st century economy.
Brightside
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Brightside is an employer-based financial health solution that combines personal assistants and an innovative partner platform.
Scratch
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Scratch is changing the way people experience debt.
SmartBiz Loans
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SmartBiz Loans is a unique combination of an online SBA loan marketplace and a bank enabling technology platform.
LendUp
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LendUp is a socially responsible lender for the 56% of Americans shut out of mainstream banking due to low credit or volatile income.
Stilt
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Stilt offers financial services for immigrants, visa holders, and the underserved.
Dividend Finance
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tDividend Finance is a Technology-enabled finance platform supporting the energy transition with lending and other financial solutions.
Alt
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Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.
Backer
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Backer is a social savings platform that enables users to set up a tax-free 529 account where family and friends can contribute.
MobileCoin
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MobileCoin is a cryptocurrency platform that develops P2P payment tokens and digital payment systems for mobile.
Long-Term Stock Exchange
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The Long-Term Stock Exchange designs an SEC-regulated national securities exchange that aligns great companies and long-term investors.
Cardless
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Cardless is building a platform that helps brands launch credit cards.
Caplight
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Caplight is a platform that enables institutional investors to buy and sell derivatives of private equity.
Digits
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Digits is a fin-tech company offering a visual, machine learning-powered expense monitoring dashboard for startups and small businesses.
Pulley
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Pulley offers a cap table management platform designed to help startup founders, employees, and investors monitor their equity information.
SeedFi
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SeedFi is a financial health startup that provides financial products to underserved Americans.
Sanlo
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Vertically-focused platform of financial services for the gaming & app companies
Meemo
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Meemo is an AI-powered social finance app that lets users receive personal rewards based on recent activity and transfer money to friends.
River Financial
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River Financial is a Bitcoin financial institution allowing long-term investors to buy, sell, and manage Bitcoin.
Oyster
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Oyster is a provider of digital financial services intended for freelancers, startups, and SME’s.
Incode Technologies
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Powering the future of omnichannel biometric identity
Jasper
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Jasper, formerly CreditStacks, is a financial service company that offers a premium Mastercard® designed for professionals.
Trim
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Trim is a financial health company that empowers customers across the United States to improve their financial lives.
Tesorio
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Tesorio is the cash flow performance platform, which Accounts Receivable, Treasury, and FP&A teams use to manage, predict, and collect cash.
