What they do:
Budgeting app with built-in banking
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HQ: San Francisco, CA, United States
Top Banking & Lending Startups in California
This list has 75 startups and was last updated on Oct 15, 2026. 21 of them are hiring right now. Biggest hubs: San Francisco (65), Los Angeles (6), and San Diego (2). Largest teams: Stripe, Coinbase, and Brex. Latest round: Remnant Financial Foundation raised $2M (Oct 7, 2026).
75 startupsPage 2 of 3
What they do:
AI Agents for Lending Operations
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HQ: San Francisco, CA, United States
What they do:
Underwrite borrowers around the world in minutes
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HQ: San Francisco, CA, United States
What they do:
AI Back-Office Automation for Commercial Lenders
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HQ: San Francisco, CA, United States
What they do:
The smarter way to manage USD earnings globally
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HQ: San Francisco, CA, United States
What they do:
Stablecoin Global Bank Account
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HQ: San Francisco, CA, United States
What they do:
The Bloomberg of Loans
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HQ: San Francisco, CA, United States
What they do:
AI agents for compliance at institutional trading firms
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HQ: San Francisco, CA, United States
What they do:
Investing in innovation
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HQ: San Francisco, CA, United States
Brex
Acquired
What they do:
Business accounts, corporate cards, and spend management software.
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HQ: San Francisco, CA, United States
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HQ: Los Angeles, CA, United States
Funding:
$20M · Debt · May 2026
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HQ: Oakland, CA, United States
Funding:
$8M · Debt · Apr 2026
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HQ: San Francisco, CA, United States
Incorporated: 2024
Funding:
$3M · Equity · Jun 2026
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HQ: Redwood City,, CA, United States
Funding:
$2.5M · Equity · Jun 2026
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HQ: Los Angeles, CA, United States
Incorporated: 2024
Funding:
$2M · Equity · Oct 2026
Pesto
Hiring
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HQ: San Francisco, CA, United States
Stilt
Acquired
What they do:
Financial products for immigrants (acquired by JG Wentworth)
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HQ: San Francisco, CA, United States
Finley
Acquired
What they do:
Streamline your debt capital raise and management
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HQ: San Francisco, CA, United States
Arc
Acquired
What they do:
Banking & Funding for Startups
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HQ: San Francisco, CA, United States
Dharma Labs
Acquired
What they do:
The easiest way to buy 74k+ crypto tokens with USD
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HQ: San Francisco, CA, United States
Seed
Acquired
What they do:
Mobile banking for small business.
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HQ: San Francisco, CA, United States
Landed
Acquired
What they do:
White-labeled shared appreciation down payment programs for employers
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HQ: San Francisco, CA, United States
Standard Treasury
Acquired
What they do:
Banking APIs; acquired by Silicon Valley Bank in August 2015
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HQ: San Francisco, CA, United States
YC S13Early stage
Emburse
Acquired
What they do:
Expense management and AP automation.
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HQ: San Francisco, CA, United States
YC W16Early stage
Level
Acquired
What they do:
Fast and simple fintech financing
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HQ: San Francisco, CA, United States
LendUp
Shut down
What they do:
LendUp is a socially responsible company on a mission to redefine…
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HQ: San Francisco, CA, United States
GoBuild (fka Brick)
Shut down
What they do:
The payments solution for small scale construction.
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HQ: San Francisco, CA, United States
Blair
Shut down
What they do:
Financing education through Income Share Agreements
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HQ: San Francisco, CA, United States
Zage
Shut down
What they do:
Pay by bank and earn rewards
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HQ: San Francisco, CA, United States
Letter
Shut down
What they do:
Beautifully designed banking for high net-worth individuals.
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HQ: San Diego, CA, United States
Ivella
Shut down
What they do:
Banking and savings products designed for couples
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HQ: Los Angeles, CA, United States
Purpose Finance
Shut down
What they do:
Accelerating the shift to a more transparent economy
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HQ: San Francisco, CA, United States
Owners Circle
Shut down
What they do:
Kickstarter for local businesses
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HQ: San Francisco, CA, United States
Serica
Shut down
What they do:
Financial payment and loan services for the Medical Cannabis and…
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HQ: San Francisco, CA, United States
Ben
Shut down
What they do:
The easiest way to learn about, buy, and store cryptocurrency.
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HQ: San Diego, CA, United States
Safely Finance
Shut down
What they do:
BNPL for moving and renting.
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HQ: San Francisco, CA, United States