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101 Best California Based Fintech Firms Founded in 2020 & 2021

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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.

MicroAcquire

MicroAcquire

Crunchbase Website Twitter Facebook Linkedin

MicroAcquire is a startup acquisition marketplace that helps startups find buyers and get acquired.

Daylight

Daylight

Crunchbase Website Twitter Facebook Linkedin

Daylight is the first and only digital banking platform in the USA built for LGBT+ people, by LGBT+ people.

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Collective

Crunchbase Website Twitter Facebook Linkedin

Collective provides financial concierge services for self-employed people and businesses.

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Synctera

Crunchbase Website Twitter Facebook Linkedin

Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.

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Crediverso

Crunchbase Website Twitter Facebook Linkedin

Crediverso is a financial marketplace where people can find credit cards, credit checks, and international money transfers.

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Bay1

Crunchbase Website Twitter Facebook Linkedin

BAY1 is an issuance and acquiring platform that connects businesses and merchants to a virtual payments platform.

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Alt

Crunchbase Website Twitter Facebook Linkedin

Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.

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Data Mynt

Crunchbase Website Twitter Facebook Linkedin

Decentralized finance DeFi for the 99% non crypto natives & $BYOB token creator

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Crush Capital

Crunchbase Website Twitter Facebook Linkedin

Crush Capital is a fintech company democratizing access to investment opportunities.

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Valora

Crunchbase Website Twitter Facebook Linkedin

Valora is a mobile peer-to-peer payments and remittance app built on the Celo platform.

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Lendtable

Crunchbase Website Twitter Facebook Linkedin

Lendtable provides income-constrained individuals with wealth-building cash advances.

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Finley Technologies

Crunchbase Website Twitter Facebook Linkedin

Finley develops software that helps companies automate due diligence, ensure compliance, and streamline ongoing reporting.

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Fei Protocol

Crunchbase Website Twitter Facebook Linkedin

Fei Protocol is a direct incentive stable coin which is undercollateralized and fully decentralized.

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Runway

Crunchbase Website Twitter Facebook Linkedin

Runway is a ground up rethink of the role of financial data inside modern businesses.

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Goldfinch

Crunchbase Website Twitter Facebook Linkedin

Goldfinch is a credit platform that offers crypto loans without collateral.

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Gr4vy

Crunchbase Website Twitter Facebook Linkedin

Gr4vy is a cloud payment orchestration platform that helps businesses manage their payment solutions

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Fintor

Crunchbase Website Twitter Facebook Linkedin

Fintor is a platform for buying and selling fractional equity shares in real estate properties.

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Citadel – Payroll APIs

Crunchbase Website Twitter Facebook Linkedin

With Citadel, users can easily connect their payroll account and instantly verify employment, income, and identity.

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Burnt Finance

Crunchbase Website Twitter Facebook Linkedin

Burnt Finance is a decentralized auction protocol to enable fast and seamless auctions for a diverse array of assets.

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HamsaPay

Crunchbase Website Twitter Facebook Linkedin

HamsaPay provides solutions for the B2B e-commerce payments market.

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Peachy

Crunchbase Website Twitter Facebook Linkedin

With Peachy, healthcare providers get paid faster by making patient payments quicker, easier, and more affordable.

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Caplight

Crunchbase Website Twitter Facebook Linkedin

Caplight is a platform that enables institutional investors to buy and sell derivatives of private equity.

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Ready

Crunchbase Website Twitter Facebook Linkedin

Ready makes software that helps local internet service providers connect more subscribers to better broadband services.

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Qooore — Investment, Trading & Insight

Crunchbase Website Twitter Facebook Linkedin

Easy-to-understand AI-powered smart-signal investment tool

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Flaist

Crunchbase Website Twitter Facebook Linkedin

Flaist is the easiest and fastest way for banks to power digital initiatives. #WeFintechifyBanks

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Ivella

Crunchbase Website Twitter Facebook Linkedin

Building the future of banking for couples.

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Sardine

Crunchbase Website Twitter Facebook Linkedin

Sardine provides fraud prevention as a service solution for the digital economy.

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Sanlo

Crunchbase Website Twitter Facebook Linkedin

Vertically-focused platform of financial services for the gaming & app companies

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Ensemble

Crunchbase Website Twitter Facebook Linkedin

Ensemble is a FinTech platform designed to help co-parents manage shared expenses for their children more easily.

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SmartDeFi

Crunchbase Website Twitter Facebook Linkedin

SmartDeFi is a non-custodial robo-investment app for decentralized finance.

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Polkaswitch

Crunchbase Website Twitter Facebook Linkedin

A decentralized multi-chain liquidity protocol on Polkadot, Ethereum, and top layer 1 & 2 blockchains.

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Front Finance

Crunchbase Website Twitter Facebook Linkedin

Front is the ultimate investing community powered by real investors and smart technology. Get our free app for iOS & Android. GetFront.com

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Karus

Crunchbase Website Twitter Facebook Linkedin

Predictive Performance for Credit Assets

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Cryptiswap

Crunchbase Website Twitter Facebook Linkedin

CryptiSwap© is a Non-Custodial CryptoCurrency exchange/swap service | no registration | no holds | no third party

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Atomic

Crunchbase Website Twitter Facebook Linkedin

Atomic is a provider of personalized investment management services that lets companies embed investment accounts into their services.

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Inclined Technologies

Crunchbase Website Twitter Facebook Linkedin

Inclined pioneers a new form of lending in a large and vastly underserved market.

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MyMarkit

Crunchbase Website Twitter Facebook Linkedin

Fintech Blockchain Marketplace – A New Way To Shop

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Suma Wealth

Crunchbase Website Twitter Facebook Linkedin

A financial wellness company for the U.S. Latinx community.

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Revive Concierge

Crunchbase Website Twitter Facebook Linkedin

Revive is a fast-growing startup that is rapidly innovating in the real estate industry for the homeowner.

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Genie

Crunchbase Website Twitter Facebook Linkedin

Building the next-generation platform for people to pay back their student loans — in record time.

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Loanbase

Crunchbase Website Twitter Facebook Linkedin

Commercial Lending Made Simple

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Arnie

Crunchbase Website Twitter Facebook Linkedin

Make your 401k work for you and the world

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Safely Finance

Crunchbase Website Twitter Facebook Linkedin

We turn large up-front rental costs into approachable multi-month payments

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Corevest

Crunchbase Website Twitter Facebook Linkedin

Brokerage-Validated Social Trading Platform

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Contora

Crunchbase Website Twitter Facebook Linkedin

Alternative data for retail traders

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Finch

Crunchbase Website Twitter Facebook Linkedin

Finch is the universal API for Payroll and HR

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PiKNiK & Company

Crunchbase Website Twitter Facebook Linkedin

PiKNiK & Company develops mining servers and enterprise storages to act as data storage partner for Web 3.0.

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Givelist

Crunchbase Website Twitter Facebook Linkedin

One app for all your giving. Discover the charities (1.9m) doing the best job for any cause you care about, give easily, and see your impact

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Clientwell

Crunchbase Website Twitter Facebook Linkedin

Clientwell is a digital growth and lead generation platform for wealthtech, SaaS, and financial service companies.

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Iris

Crunchbase Website Twitter Facebook Linkedin

Iris is a social trading stock app which allows users to connect a brokerage account and follow friends’ trades/portfolios in real time.

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Amni

Crunchbase Website Twitter Facebook Linkedin

Amni is a micro-savings and investing platform that ties with your favorite entertainment platforms to gamify saving and investing.

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Parafin

Crunchbase Website Twitter Facebook Linkedin

Parafin is a capital as a service platform for fundraising activities.

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Better Tomorrow Ventures

Crunchbase Website Twitter Facebook Linkedin

Better Tomorrow Ventures (BTV) is an early stage fintech focused fund that leads rounds in pre-seed and seed-stage companies globally

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Sivo

Crunchbase Website Twitter Facebook Linkedin

Sivo provides debt as a service. Our API allows companies to access debt funding and lend money to their users at scale.

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Equi

Crunchbase Website Twitter Facebook Linkedin

The future of alternative investments. Invest in the best alternative investments in the world, $100M net worth no longer required.

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Rari Capital

Crunchbase Website Twitter Facebook Linkedin

The most advanced and creative rebalancing mechanism on DeFi. Built to maximize yield across protocols and reach new levels with strategies.

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TrueFi

Crunchbase Website Twitter Facebook Linkedin

TrueFi is the ultimate DeFi uncollateralized lending protocol

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Modern Logic

Crunchbase Website Twitter Facebook Linkedin

Modern Logic builds a no-code rules engine to help fintech companies fight financial crime.

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Human IPO

Crunchbase Website Twitter Facebook Linkedin

HumanIPO is a new way to build a direct relationships with your community.

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Splitsub

Crunchbase Website Twitter Facebook Linkedin

Splitsub is an app to share online subscriptions with friends, family and others.

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Staax

Crunchbase Website Twitter Facebook Linkedin

Staax is a mobile app that lets you pay and get paid from peers with fractional share stock.

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Carbonbase

Crunchbase Website Twitter Facebook Linkedin

Carbonbase is building a fintech platform to facilitate sustainable investments for a global audience

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ZeFi

Crunchbase Website Twitter Facebook Linkedin

ZeFi is an alternative to high yield savings account. It lets users earn up to 8% APY on their deposits and spend with a debit card.

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Pigeon Loans

Crunchbase Website Twitter Facebook Linkedin

Pigeon Loans is a peer-to-peer lending platform that facilitates loans between family, friends, and loved ones.

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Anzen

Crunchbase Website Twitter Facebook Linkedin

Management insurance and operations tools using real-time HRIS and SaaS integrations to identify and avoid management risks.

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MRB Direct, Inc.

Crunchbase Website Twitter Facebook Linkedin

MRB Direct develops Know Your Customer (KYC) and Anti-Money Laundering (AML) technology for cash intensive industries.

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Intrepid Technology

Crunchbase Website Twitter Facebook Linkedin

Intrepid is changing the way businesses connect, work, and grow through financial technology.

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Ennerate

Crunchbase Website Twitter Facebook Linkedin

Ennerate automates business valuations for small and medium businesses.

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Paymobil

Crunchbase Website Twitter Facebook Linkedin

Paymobil is a mobile app where users can send and request money anywhere in the world in seconds.

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Lumen

Crunchbase Website Twitter Facebook Linkedin

Financing for Airbnb hosts!

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infima Technologies, Inc.

Crunchbase Website Twitter Facebook Linkedin

Prediction-as-a-service platform for credit market participants

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Sidepocket

Crunchbase Website Twitter Facebook Linkedin

Sidepocket combines tactical investment strategies that generate returns by automatically rebalancing the money into assets that outperform.

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Flow Networks

Crunchbase Website Twitter Facebook Linkedin

Flow is a company upgrading the consumer payment experience and eliminating paper from the purchase journey forever.

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Lenco

Crunchbase Website Twitter Facebook Linkedin

Lenco is a Neobank that makes current bank accounts and tools for SMEs to grow in Africa

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Paydrop

Crunchbase Website Twitter Facebook Linkedin

Payment infrastructure for the gig-economy and the future of work.

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Inclusion Financial Labs

Crunchbase Website Twitter Facebook Linkedin

IFL is a financial services company that bridges the gap between physical and digital financial transactions for the underprivileged.

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Vesti Social

Crunchbase Website Twitter Facebook Linkedin

The social network and chat app for investors.

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Xspaced

Crunchbase Website Twitter Facebook Linkedin

Flexible rent and security deposit payments.

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nuvest

Crunchbase Website Twitter Facebook Linkedin

Visualize the worth of your spending habits and compare it to the same cash if invested in stocks and ETFs at that time.

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NIZU

Crunchbase Website Twitter Facebook Linkedin

NIZU is a personal finance app that makes investing simple & transparent to help millions of investors build wealth.

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Emerging Impact

Crunchbase Website Twitter Facebook Linkedin

Emerging Impact modernizes financial services in emerging markets through blockchain technology.

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Mudani

Crunchbase Website Twitter Facebook Linkedin

Mudani is a cross-border investing app for the retail investor that offers a dual-journey platform through a gamified experience.

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xToken

Crunchbase Website Twitter Facebook Linkedin

xTokens are ERC20 wrapper tokens for staking, governance and liquidity strategies.

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PayCruiser

Crunchbase Website Twitter Facebook Linkedin

PayCruiser enables businesses to receive payments from unbanked customers.

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Novi

Crunchbase Website Twitter Facebook Linkedin

Novi is a digital wallet that will help people send and hold Libra digital currencies.

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Klorah

Crunchbase Website Twitter Facebook Linkedin

Payment handling for creative freelancers/gig workers

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Checkmate Savings, Inc

Crunchbase Website Twitter Facebook Linkedin

One-click checkout that enables users to compound discounts for eCommerce purchases

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SavingsOak

Crunchbase Website Twitter Facebook Linkedin

Save Today. Invest in tomorrow.

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Karta.io

Crunchbase Website Twitter Facebook Linkedin

Smart Credit Cards for Business.

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prep2grow

Crunchbase Website Twitter Facebook Linkedin

Utilizing AI to Take the Work & Stress Out of Investing

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Zimius

Crunchbase Website Twitter Facebook Linkedin

SaaS Financial Projection for Small Businesses

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Splyt

Crunchbase Website Twitter Facebook Linkedin

Splyt makes it easy for people to share money and pay together.

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Cohere

Crunchbase Website Twitter Facebook Linkedin

Innovating at the intersection of FinTech, Social Media, and Augmented Reality

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Oakland Black Business Fund

Crunchbase Website Twitter Facebook Linkedin

Oakland Black Business Fund is a Black-led investment platform, providing capital, technical assistance, and growth strategy.

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Centsibly

Crunchbase Website Twitter Facebook Linkedin

Centsibly is a personal finance app that gives you unmatched flexibility and control over how you track your money.

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Allawee

Crunchbase Website Twitter Facebook Linkedin

Mobile Credit Builder & Credit-Data-as-a-Service

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Data Safeguard

Crunchbase Website Twitter Facebook Linkedin

intelligently protecting data

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FANDORSE

Crunchbase Website Twitter Facebook Linkedin

PATREON for offline businesses

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MaxInt

Crunchbase Website Twitter Facebook Linkedin

Cash management App

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Codabl

Crunchbase Website Twitter Facebook Linkedin

Codabl creates propietary ML pipelines for financial services companies

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Vestif

Crunchbase Website Twitter Facebook Linkedin

Cash financing for employees pre-IPO options and equity. Educational tools for tax and wealth planning, centered around equity and options.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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