Warren Tesla
This article showcases our top picks for the best California 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
Top California FinTech Startups
Data sourced from Crunchbase and SemRush.
Plaid
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Plaid provides companies with the tools and access needed for the development of a digitally-enabled financial system.
Ripple
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Ripple provides one frictionless experience to send money globally using the power of blockchain.
Expensify
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Expensify is a financial services company that provides an online expense management service for businesses.
Coinbase
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Coinbase is an online platform that allows merchants, consumers, and traders to transact with digital currency.
Upgrade
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Upgrade is a fintech company that offers credit and mobile banking to mainstream consumers.
Upstart
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Upstart leverages artificial intelligence and machine learning to price credit and automates the borrowing process.
SoFi
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SoFi is a finance company that offers a range of lending and wealth management services.
Stripe
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Stripe is a developer-oriented commerce company helping small and large companies accept web and mobile payments.
Silver Lake
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Silver Lake is a global technology investment firm focused solely on making large-scale investments in technology companies.
CoinList
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CoinList is a platform that helps blue-chip crypto projects connect with new token holders.
HoneyBook
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HoneyBook is a business management platform creating tools to help creative entrepreneurs run their business on their own terms.
Chipper Cash
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Chipper Cash is a fintech platform that offers mobile, cross-border money transfer services.
Drip Capital
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Drip Capital offers trade financing product targeted towards SMEs in developing markets.
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.
Addepar
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Addepar is a wealth management platform that provides tools for data analytics and portfolio visuals.
Securitize
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Securitize enables digital securities, which are easier to own, simpler to manage, and faster to trade.
Tala
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Tala is a mobile technology and data science company that is oriented around financial services in emerging markets.
Chargebee
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Chargebee provides subscription and recurring billing systems for SaaS and e-commerce businesses.
Oportun
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Oportun is a fintech company that provides financial services from personal loans to financial resources.
Deserve
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Deserve offers fair credit products for young people and a cloud-based credit card platform for businesses.
Flutterwave
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Flutterwave is a fintech company that provides a payment infrastructure for global merchants and payment service providers.
SoLo Funds
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SoLo is a financial service provider enabling a marketplace where members can request and fund immediate needs.
Tipalti
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Tipalti is a global payables automation platform that provides a cloud solution to scale and automate global payables operations.
Alt
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Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.
Juniper Square
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Juniper Square operates an investment management platform for commercial real estate.
Ethos
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Ethos Life is a modern insurance company that provides ethical life insurance.
GGV Capital
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GGV Capital is a global venture capital firm that invests in local founders.
Cowbell Cyber
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Cowbell Cyber provides AI-powered continuous risk assessment and cyber insurance.
Wealthfront
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Wealthfront is a next-gen banking service that helps in managing the money for both the short term and long term.
Ladder
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Ladder is a digital life insurance company that offers flexible term coverage in minutes saving policyholders up to 40%.
Hippo Insurance
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Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties.
Robinhood
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Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission.
Lendtable
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Lendtable provides income-constrained individuals with wealth-building cash advances.
Acorns
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Acorns is a finance company that allows individuals to round up purchases and automatically invest the change.
LISNR
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LISNR enables secure and seamless data transmission using the most advanced ultrasonic data technology
Affirm
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Affirm is a financial technology services company that offers installment loans to consumers at the point of sale.
Bill.com
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Bill.com is a provider of cloud-based software that simplifies and automates back-office financial operations.
UNest
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UNest is an app that makes it easier than ever for parents to invest and save for their kids’ future.
CircleUp
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CircleUp is an investment platform that provides capital and resources to innovative, early-stage consumer brands.
Kraken
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Kraken is a cryptocurrency exchange that provides spot and futures trading between Bitcoin, Ethereum, and 40+ other digital assets.
Forge
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Forge is a global private securities marketplace creating an accessible, liquid, and transparent private market.
Earnin
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Earnin gives people access to their pay directly from their smartphones, whenever they need it
PayZen
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PayZen is a health care fintech startup that aims to tackle the growing patient payment responsibility problem.
Hercules Capital
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Hercules Capital is a capital market company that lends to technology, life sciences, and sustainable technology companies.
Lending Club
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Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors.
Fivestars
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Fivestars provides a platform that offers loyalty, marketing, payments, and other services to small merchants and businesses.
BlueVine
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BlueVine is an online platform that provides small to medium-sized businesses access to financial products.
Roofstock
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Roofstock is an online marketplace for investing in leased single-family rental homes in a transparent and low-friction method.
Aura Financial
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Aura is a financial service company that provides affordable, credit-building loans to working families.
Airbase
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Airbase serves as an all-in-one spend management platform that helps companies with their financial control and visibility.
Vagaro
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Vagaro is an online platform that allows its users to find salons and spas in their local area and make appointments online.
HomeLight
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HomeLight is a real estate platform where users can buy or sell homes.
Promise
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PromisePay provides a modern payment processing platform built for utilities and government agencies.
Arkose Labs
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Arkose Labs provides fraud prevention, anti-spam, and abuse analysis for businesses, companies, and industries.
Checkbook
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Checkbook is connecting the last mile in push payments using DigitalChecks for Instant Payments.
Square
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Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology.
Doma
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Doma is an insurtech platform that uses machine intelligence to remove friction from residential real estate transactions.
Uplift
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Uplift is an enterprise buy now, pay later solution offering a complete range of personalized payment options.
Settle
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Settle is a fintech platform that automates B2B payments and provides working-capital solutions for businesses.
Pilot
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Pilot is a platform that offers bookkeeping, tax, and CFO services for growing businesses.
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.
Varo Bank
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Varo is a digital bank that offers innovative, premium banking services wrapped in inclusive design.
Feedzai
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Feedzai develops risk management tools to prevent fraud and money laundering in transactions.
Citcon
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Citcon is a mobile payment network that enables global merchants to accept payments from consumers.
Chia Network
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Chia Network is building a blockchain platform based on Proofs of Space and Time.
BitGo
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BitGo is the leader in institutional digital asset financial services, providing clients with security, custody, and liquidity solutions.
Figure
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Figure is a financial services company leveraging blockchain technology.
Plastiq
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Plastiq offers a bill pay service for businesses to better manage their cash flow.
Wyre
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Wyre develops a wide variety of payment APIs that offer a fast and cost-effective way of transferring money.
MainStreet
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MainStreet is a financial platform that helps startups and small businesses discover and claim tax credits and government incentives.
Credit Sesame
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Credit Sesame is a credit and loan company that makes consumer credit and loan management simple and automated.
Signifyd
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Signifyd is a provider of an enterprise-grade fraud technology solution for e-commerce stores.
Alpaca
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Alpaca builds a developer-first API for stock trading (Securities by Alpaca Securities LLC).
FalconX
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FalconX is a blockchain, cryptocurrency, and fintech-focused cryptocurrency brokerage and digital asset trading platform.
Snapdocs
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Snapdocs is a mortgage technology company that helps real estate participants closing work together through integration and automation.
Coupa Software
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Coupa is a cloud platform for business spend that offers a fully unified suite of financial applications for business spend management.
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
Albert
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Albert is a financial technology company aiming to democratize money management by making financial advice accessible and affordable.
Mercury
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Mercury is a digital banking company that provides banking services and bank accounts designed specifically for startups.
Camino Financial
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Camino Financial is a data-driven fintech platform pioneering affordable small business loans to Latinx businesses
Zest AI
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Zest AI is a financial service company that makes software for credit underwriting.
LendingHome
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LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors.
PeerStreet
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PeerStreet is a crowdfunding platform that gives investors easy access to high-yielding loans that are collateralized with real estate.
Qualia
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Qualia is a digital closing platform used by 1000s of real estate and mortgage companies to provide simple, secure homebuying experiences.
Taulia
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Taulia is a FinTech startup that provides working capital management and electronic invoicing services for supply chain companies.
Step
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Step is a financial services company that builds mobile-based banking for teenagers.
Human Interest
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Human Interest helps employees of small and medium-sized businesses save for retirement.
Lend Street Financial
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Lend Street Financial is a lending platform that offers debt restructuring and refinancing services to consumers.
Okcoin
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One of the world’s largest cryptocurrency exchanges, Okcoin is building an inclusive future of finance for all.
Deel
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Deel is a payroll and compliance platform for international employees and contractors.
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.
CommonStock
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CommonStock is a developer of a group chat platform that is designed to share investment knowledge and decisions.
Celo
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Celo is an open platform that makes financial tools accessible to anyone with a mobile phone.
Synctera
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Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.
Eco
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Eco isn’t a bank. It’s something better — a digital wallet that rewards you every time you save, spend or send money.
Indiegogo
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Indiegogo is a crowdfunding platform empowering people around the world to fund projects that matter to them.
Payactiv
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Payactiv helps put financial wellness within reach.
LeaseLock
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LeaseLock is an insurance technology company that leverages artificial intelligence to eliminate security deposits.
Compound
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Compound is an open-source interest rate protocol that unlocks new financial applications.
MobileCoin
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MobileCoin is a cryptocurrency platform that provides anti-fraud services and payment systems for merchants.
SMBX
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SMBX is a funding portal and public marketplace for issuing and buying U.S. small business bonds.
