101 San Francisco Based Fintech Companies | The Most Innovative Fintech Companies

Square

Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology. Based out of San Francisco, California, United States

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Ripple

Ripple provides one frictionless experience to send money globally using the power of blockchain. Based out of San Francisco, California, United States

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Plaid

Plaid provides companies the tools and access needed for the development of a digitally-enabled financial system. Based out of San Francisco, California, United States

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Flutterwave

Flutterwave provides a payment service for global merchants and payment service providers. Based out of San Francisco, California, United States

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Chipper Cash

Chipper Cash is a fintech platform that offers cross-border money transfer services through mobile. Based out of San Francisco, California, United States

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Indiegogo

Indiegogo is a crowdfunding platform empowering people around the world to fund projects that matter to them. Based out of San Francisco, California, United States

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Kraken

Kraken is a cryptocurrency exchange that provides spot and futures trading between Bitcoin, Ethereum and 40+ other digital assets. Based out of San Francisco, California, United States

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Aura Financial

Aura is a financial service company that provides affordable, credit-building loans to working families. Based out of San Francisco, California, United States

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Metromile

Metromile is a car insurance company using data science and machine learning to offer drivers new and fairer insurance. Based out of San Francisco, California, United States

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Credit Karma

Credit Karma is a personal finance company that's focused on helping everyone make financial progress. Based out of San Francisco, California, United States

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CircleUp

CircleUp is the investment platform providing capital and resources to innovative, early-stage consumer brands . Based out of San Francisco, California, United States

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Lending Club

Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors. Based out of San Francisco, California, United States

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Brex

Brex is the financial OS for growing companies, with credit cards, cash management, and controls in a single account. Based out of San Francisco, California, United States

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Expensify

Expensify is a financial services startup that provides an integrated expense management and corporate card product for customers worldwide. Based out of San Francisco, California, United States

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Deel

Deel is a payroll and compliance platform for international employees and contractors. Based out of San Francisco, California, United States

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Truebill

Truebill utilizes AI to enable users to manage their personal finances and improve their financial health. Based out of San Francisco, California, United States

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Fivestars

Fivestars helps businesses and communities thrive by turning every transaction into a relationship. Based out of San Francisco, California, United States

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CoverHound

CoverHound is a technology company offering a platform for consumers to shop for car insurance. Based out of San Francisco, California, United States

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Forge

Forge (formerly Equidate) is a marketplace for private equity, giving private and institutional investors access to top pre-IPO companies. Based out of San Francisco, California, United States

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Tradeshift

Tradeshift is a cloud-based business network connecting buyers and suppliers. Based out of San Francisco, California, United States

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Unit21

Unit21 is a platform that provides no-code tools and services for risk and compliance teams. Based out of San Francisco, California, United States

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Northstar

Northstar is a fintech company that enables employers to offer financial wellness, compensation, and benefits advice. Based out of San Francisco, California, United States

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Paceline

Paceline is a health and wellness platform that rewards physical activity with financial benefits. Based out of San Francisco, California, United States

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Fundbox

Fundbox is a B2B payment and credit network that transforms how funding flows. Based out of San Francisco, California, United States

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Varo Money

Varo is a digital bank that offers innovative, premium banking services wrapped in inclusive design Based out of San Francisco, California, United States

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Veem

Veem is a payment service provider that helps simplify the way businesses send and receive funds. Based out of San Francisco, California, United States

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Coinbase

Coinbase is a digital currency wallet service that allows traders to buy and sell bitcoin. Based out of San Francisco, California, United States

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Oxygen

Oxygen is a neo (challenger) bank. The first and only challenger in the US that offers both personal and business banking. Based out of San Francisco, California, United States

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Prosper Marketplace

Prosper Marketplace is an online lending platform that connects people who want to borrow money with individuals and institutions. Based out of San Francisco, California, United States

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Figure

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Based out of San Francisco, California, United States

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Upgrade

Upgrade is a neobank that offers affordable and responsible credit to mainstream consumers. Based out of San Francisco, California, United States

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Plastiq

Plastiq offers a bill pay service for businesses to better manage their cash flow. Based out of San Francisco, California, United States

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HomeLight

HomeLight develops a software that helps people in making smart decisions in buying or selling their home. Based out of San Francisco, California, United States

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Taulia

Taulia is a FinTech startup that provides working capital management and electronic invoicing services for supply chain companies. Based out of San Francisco, California, United States

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Empower

Empower is building the best mobile-banking experience in the world. Based out of San Francisco, California, United States

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Jasper

Jasper, formerly CreditStacks, is a financial service company that offers a premium Mastercard® designed for professionals. Based out of San Francisco, California, United States

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Nova Credit

People Move. Credit History Doesn't. We're changing that. Based out of San Francisco, California, United States

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CoinList

CoinList provides a platform for digital asset companies to run their token sales. Based out of San Francisco, California, United States

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Grain

Transform your debit card into a credit card Based out of San Francisco, California, United States

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Human Interest

Affordable, full-service 401(k) plans for SMBs Based out of San Francisco, California, United States

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Cardless

Cardless is building a platform that helps brands launch credit cards. Based out of San Francisco, California, United States

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Finix Payments

Finix Payments is a payments infrastructure platform Based out of San Francisco, California, United States

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Chime

Chime is a fintech company that helps its members avoid bank fees, save money automatically, and lead healthier financial lives. Based out of San Francisco, California, United States

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Long-Term Stock Exchange

The Long-Term Stock Exchange designs an SEC-regulated national securities exchange that aligns great companies and long-term investors. Based out of San Francisco, California, United States

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Tally Technologies

Tally is a financial automation company that helps users manage multiple credit cards. Based out of San Francisco, California, United States

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Juvo

Juvo is a developer of mobile identity scoring software designed to establish financial identities who are creditworthy. Based out of San Francisco, California, United States

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Very Good Security

Very Good Security is a fintech & data security enablement platform helping to maximize the value of data without compliance & breach risk. Based out of San Francisco, California, United States

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HoneyBook

HoneyBook is a business management platform creating tools to help creative entrepreneurs run their business on their own terms. Based out of San Francisco, California, United States

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SigFig

SigFig is financial services firm that dedicates in making high-quality investment advice to investors of all wealth levels. Based out of San Francisco, California, United States

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LendingHome

LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors. Based out of San Francisco, California, United States

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SoFi

SoFi is a finance company that offers a range of lending and wealth management services. Based out of San Francisco, California, United States

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Synapse

Synapse is a banking platform that enables companies to provide financial products to their customers. Based out of San Francisco, California, United States

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Dividend Finance

Dividend Finance is a financing platform that supports investment in energy-efficiency and real-property improvement. Based out of San Francisco, California, United States

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Earnest

Earnest is a technology-lender that brings low-interest loans to high-potential people. Based out of San Francisco, California, United States

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LendUp

LendUp is a socially responsible lender for the 56% of Americans shut out of mainstream banking due to low credit or volatile income. Based out of San Francisco, California, United States

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Affirm

Affirm is a financial technology services company that offers installment loans to consumers at the point of sale. Based out of San Francisco, California, United States

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Brightside

Brightside is an employer-based financial health solution that combines personal assistants and an innovative partner platform. Based out of San Francisco, California, United States

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Noah

Noah is a fintech company enabling homeowners to tap into the value of their homes without incurring new monthly payments or interest. Based out of San Francisco, California, United States

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Lendtable

Lendtable provides income-constrained individuals with wealth-building cash advances. Based out of San Francisco, California, United States

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Kiva

Kiva is an international non-profit organization that enables families to make small loans to entrepreneurs in developing countries. Based out of San Francisco, California, United States

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TrustToken

TrustToken is a platform to create asset-backed tokens that can be used for buying and selling around the world. Based out of San Francisco, California, United States

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PayJoy

PayJoy provides smartphone-enabled consumer financing solutions. Based out of San Francisco, California, United States

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Sentieo

Sentieo is a financial and corporate research platform for executives, investment analysts, and researchers Based out of San Francisco, California, United States

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EquBot

EquBot provides an easy-to-use and explainable AI platform to help global investment professionals deliver better outcomes. Based out of San Francisco, California, United States

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Persona

Persona is the first all-in-one identity platform securely built to help you serve the real people of your business. Based out of San Francisco, California, United States

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Digits

Digits is a fin-tech company offering a visual, machine learning-powered expense monitoring dashboard for startups and small businesses. Based out of San Francisco, California, United States

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Secfi

Secfi is a pre-wealth management platform that helps private company employees and shareholders with equity planning. Based out of San Francisco, California, United States

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Returnly

Returnly is a smart returns platform that uses financial technology to deliver a quality return experience. Based out of San Francisco, California, United States

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Compound

Compound is an open-source interest rate protocol that unlocks new financial applications. Based out of San Francisco, California, United States

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Earn.com

Earn money for replying to emails and completing tasks. Based out of San Francisco, California, United States

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Branch International

Branch offers mobile financial services across emerging markets to spur human potential. Based out of San Francisco, California, United States

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Migo

Migo is a cloud-based platform that allows customers to use loans, make purchases, and withdraw cash without the need for plastic cards. Based out of San Francisco, California, United States

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Hearsay Systems

Hearsay offers the complete client engagement solution for financial services. Based out of San Francisco, California, United States

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Uphold

Uphold is a digital wallet and trading platform that enables cryptocurrencies and other assets affordable and accessible for everyone. Based out of San Francisco, California, United States

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Securitize

Securitize enables digital securities, which are easier to own, simpler to manage, and faster to trade. Based out of San Francisco, California, United States

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Gabi

Gabi monitors insurance rates from all carriers and provides unbiased advice on the optimal coverage. Based out of San Francisco, California, United States

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OpenInvest

OpenInvest is a Public Benefit Corporation and asset manager that uses technology to mainstream customized ethical investing. Based out of San Francisco, California, United States

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Collective

Collective operates as an online back-office platform designed for self-employed people. Based out of San Francisco, California, United States

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Scratch

Scratch is changing the way people experience debt. Based out of San Francisco, California, United States

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Modern Treasury

Modern Treasury builds payments operations solutions. Based out of San Francisco, California, United States

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SharesPost

SharesPost is a company that provides liquidity solutions in the private growth asset market. Based out of San Francisco, California, United States

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Unison Home Ownership Investors

Unison is a provider of home-ownership investments used for long-term financing. Based out of San Francisco, California, United States

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Neighborly

Neighborly designs, finances, and constructs open access fiber-optic networks to connect communities across the United States. Based out of San Francisco, California, United States

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Qwil

Qwil provides individual contractors, freelancers, and small businesses with financial tools and solutions. Based out of San Francisco, California, United States

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Xoom

Xoom is a digital money transfer company that allows users to securely transfer money online. Based out of San Francisco, California, United States

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Castle

Account security and fraud prevention for developers, teams, and enterprises. Based out of San Francisco, California, United States

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Ripio

Ripio is a bitcoin and digital payments company. Based out of San Francisco, California, United States

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Stellar Development Foundation

A non-profit organization that supports the development and growth of Stellar, a blockchain network that connects financial infrastructure. Based out of San Francisco, California, United States

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Wyre

Wyre is a developer of a blockchain-based payment platform designed to change the future of how international payments are done. Based out of San Francisco, California, United States

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Unifimoney

Mobile app integrating high interest checking account, credit card and Robo investment platform designed for young high earners Based out of San Francisco, California, United States

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Unit

Unit helps tech companies build financial features into their products: accounts, cards, payments, lending & more. Based out of San Francisco, California, United States

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Indio Technologies

Indio Technologies simplifies the insurance application process for brokers and clients, making it fast and easy. Based out of San Francisco, California, United States

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CommonStock

CommonStock is a developer of a group chat platform that is designed to share investment knowledge and decisions. Based out of San Francisco, California, United States

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AlphaFlow

AlphaFlow is a tech-driven investment company providing professionally managed portfolios of real estate loans to institutional investors. Based out of San Francisco, California, United States

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Carta

Carta is building a global ownership management platform to help companies, investors, and employees manage their equity. Based out of San Francisco, California, United States

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BehavioSec

BehavioSec is the first and only vendor to deliver enterprise-grade Behavioral Biometrics as a Service (BBaaS) to combat online fraud. Based out of San Francisco, California, United States

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OKCoin

OKCoin provides fiat trading with major digital assets, including Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic, and Litecoin. Based out of San Francisco, California, United States

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Flowcast

Flowcast provides an AI platform to automate and power smarter credit decisions Based out of San Francisco, California, United States

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Trim

Trim automates your financial life. Based out of San Francisco, California, United States

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Treasury Prime

Treasury Prime builds APIs that let both banks and their corporate customers automate their banking operations. Based out of San Francisco, California, United States

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LoanSnap

LoanSnap offers loan technology that uses AI to analyze a person's finances so they can benefit from a loan now and into the future. Based out of San Francisco, California, United States

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