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37 Innovative Credit Startups To Keep An Eye On In 2021

This article showcases Startup Pill’s top picks for the best Credit startups. These startups are taking a variety of approaches to innovating inside of the Credit industry and around the world. They are all exceptional startups well worth a follow.

We selected these startups 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

Welp Magazine  hosts a yearly startup award honouring the most outstanding entrepreneurs and high-growth businesses in the world. If you want to enter your startup to be in the running for the top startup of 2021 or learn more about our competition click here.


1. Perch Credit

The idea behind this startup: Perch helps users build their credit score for free by turning recurring payments (like rent) into creditworthy payments.

Headquarters: Los Angeles, California, United States

Industries: Apps, Credit, FinTech, Online Portals, Payments

Founders: Ayush Jain, Michael Broughton

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2. GetVantage

The idea behind this startup: GetVantage is India and Southeast Asia’s first fintech enabled Revenue-based financing platform.

Headquarters: Mumbai, Maharashtra, India

Industries: Credit, Finance, Financial Services, FinTech, Lending, Venture Capital

Founders: Amit Srivastava, Bhavik Vasa, Sachin Tagra, Sachin Tagra

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3. Akrod Limited

The idea behind this startup: Fintech Solution Provider with a mission to increase access to life changing credit products for the financially vulnerable and excluded.

Headquarters: London, England, United Kingdom

Industries: Consumer Lending, Credit, FinTech, Software

Founders: Andrea Gerosa, Frederic Nze, Georgios Psonis

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4. Click Cash

The idea behind this startup: Click Cash is a mobile App that enables fast and secure personal loans in emerging economies using Open Banking and data analysis.

Headquarters: São Paulo, Sao Paulo, Brazil

Industries: Big Data, Consumer Lending, Credit, Financial Services, FinTech, Lending

Founders: Douglas Murdoch

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5. Karus

The idea behind this startup: Karus makes lenders smarter, originators more efficient, and institutional investors more successful.

Headquarters: San Francisco, California, United States

Industries: Credit, Enterprise Software, Financial Services, FinTech

Founders: Aaron Travis, James Harrison, Paul Kostoff

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6. Grip Invest

The idea behind this startup: Grip is an investment platform that allows retail investors to make small ticket investments in physical assets that earn lease income.

Headquarters: Gurgaon, Haryana, India

Industries: Angel Investment, Commercial Lending, Credit, Finance, Financial Services, Funding Platform, Impact Investing, Micro Lending

Founders: Nikhil Aggarwal, Vivek Gulati

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7. AgriRisk

The idea behind this startup: SaaS

Headquarters: Piracicaba, Sao Paulo, Brazil

Industries: Agriculture, Credit, Finance, Financial Services, FinTech, Insurance, InsurTech

Founders: Unknown

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8. Claimer

The idea behind this startup: Makes the process of claiming R&D tax credits a breeze.

Headquarters: Croydon, Croydon, United Kingdom

Industries: Accounting, Credit, Finance, Financial Services, FinTech, Software

Founders: Adam McCann

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9. Linxe

The idea behind this startup: focused on offering small and short-term loans to low-income employees of SMEs with direct discount from their paycheck

Headquarters: Bogotá, Distrito Especial, Colombia

Industries: Credit, Employee Benefits, Financial Services, FinTech, Sustainability, Wellness

Founders: Cesar Cuevas, Diego Rodríguez

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10. trustshare

The idea behind this startup: Escrow infrastructure as a service. We allow brands that consumers trust to go live with a fully branded escrow solution in 5 lines of code.

Headquarters: London, England, United Kingdom

Industries: Credit, Financial Services, FinTech, Payments

Founders: Joe Harlow, Nick Fulton

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11. Zoro Card

The idea behind this startup: Build credit with a debit card.

Headquarters: Bloomington, Indiana, United States

Industries: Banking, Credit, Financial Services, FinTech, Personal Finance

Founders: Roger Morris, Zak Grove

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12. CredFlow

The idea behind this startup: CredFlow provides financial solutions to automate your cashflows.

Headquarters: New Delhi, Delhi, India

Industries: Credit, Financial Services

Founders: Unknown

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13. Refund Giant

The idea behind this startup: Refund Giant develops a tax service platform intended to ditch the trail of forms and enjoy hassle-free tax returns.

Headquarters: London, England, United Kingdom

Industries: Credit, Financial Services, Travel

Founders: Alexander Zhou, Shawn Du

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14. Maroo

The idea behind this startup: Fintech startup focused on making dream weddings affordable for more US couples

Headquarters: Boston, Massachusetts, United States

Industries: Consumer Lending, Credit, E-Commerce, Event Management, Events, Financial Services, FinTech, Information Technology, Wedding

Founders: Alexey Nikityuk

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15. BukuWarung

The idea behind this startup: BukuWarung is a startup building an accounting and credit management app that helps micro-businesses track their financial transactions.

Headquarters: Jakarta, Jakarta Raya, Indonesia

Industries: Accounting, Credit, FinTech, Small and Medium Businesses

Founders: Abhinay Peddisetty, Chinmay Chauhan

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16. Nuovopay

The idea behind this startup: NuovoPay enables device leasing companies & telecom carriers to secure their leased devices against non-payment.

Headquarters: Pune, Maharashtra, India

Industries: Credit, Emerging Markets, Financial Services, FinTech, Mobile, Software

Founders: Harishankar Kannan

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17. Splintr

The idea behind this startup: Splintr is the first Buy Now Pay Later company in the GCC region, offering customers multiple payment options at the point of checkout.

Headquarters: Dubai, Dubai, United Arab Emirates

Industries: Banking, Consumer Lending, Credit, E-Commerce, Financial Services, FinTech, Payments

Founders: Abdulrahman AlJumah, Badr AlBadr, Mohammad AlMajid AlMheiri

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18. Credit Money

The idea behind this startup: CreditMoney Financial Services is India’s best Leading Corporate Channel Partner of Nationalize Banks & NBFCs & Investment company.

Headquarters: New Delhi, Delhi, India

Industries: Credit, Financial Services, Information Technology

Founders: Aakash Sinha

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19. Quanloop

The idea behind this startup: Investment fund dedicated to wholesale funding

Headquarters: Tallinn, Harjumaa, Estonia

Industries: Commercial Lending, Credit, Financial Services, Hedge Funds, Lending

Founders: Valentin Ivanov

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20. Credello

The idea behind this startup: Credello puts personalized financial solutions at your fingertips—so you can make decisions with confidence.

Headquarters: Jersey City, New Jersey, United States

Industries: Advice, Consumer, Credit, Credit Cards, Finance, Financial Services, FinTech, Internet, Personal Finance

Founders: Vish Sastry Rachakonda

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21. Impact X Partners

The idea behind this startup: Impact X Partners is an SDG advisory platform providing capital and counsel to investment seekers and investors.

Headquarters: London, England, United Kingdom

Industries: Banking, Credit, Financial Services, Impact Investing, Sustainability

Founders: Jalal Koubaiti, Leopold Oettingen-Wallerstein, Malte Susen

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22. ONBORD

The idea behind this startup: SaaS RegTech

Headquarters: London, England, United Kingdom

Industries: Compliance, Credit, Risk Management, SaaS

Founders: Unknown

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23. Migrations.ml Inc.

The idea behind this startup: Migrations.ml is a cloud-based technology solution that generates credit risk analytics for public debt using big data and machine learning

Headquarters: Toronto, Ontario, Canada

Industries: Analytics, Artificial Intelligence, Big Data, Credit, FinTech, Information Technology, Machine Learning, Risk Management, Software

Founders: Unknown

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24. ZAP! Consignado

The idea behind this startup: International P2P Lending by WhatsApp.

Headquarters: São Paulo, Sao Paulo, Brazil

Industries: Banking, Credit, Financial Services, FinTech, Impact Investing, Wealth Management

Founders: Tiago Bispo

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25. Ub Technologies

The idea behind this startup: End-to-end portfolio & risk analytics for financial institutions

Headquarters: Amsterdam, Noord-Holland, The Netherlands

Industries: Analytics, Asset Management, Banking, Big Data, Credit, Database, FinTech, Software

Founders: Giorgio Carbone, Jorn Koch, Ruud Willems

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26. Mia Share

The idea behind this startup: Mia Share partner with schools to offer affordable student financing.

Headquarters: Wilson, Wyoming, United States

Industries: Credit, Education, Finance, Financial Services

Founders: Josh Haghani

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27. CreditSage

The idea behind this startup: Credit Repair/Rebuilding, Debt Consolidation/Budgeting tool, Real Estate Customer Budget Verification. Customer/Business Free Credit Score.

Headquarters: Boston, Massachusetts, United States

Industries: Credit, Financial Services, FinTech, Personal Finance, Real Estate, Software

Founders: Nicholas Fernandes

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28. Credit Resurrectors

The idea behind this startup: Credit Repair Agency

Headquarters: Unknown

Industries: Credit, Financial Services

Founders: Ariel Tolome

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29. Instacash

The idea behind this startup: Lending Marketplace that uses alternative collateral and instant disbursements.

Headquarters: Unknown

Industries: Blockchain, Credit, Financial Services, FinTech, Internet, Lending, Marketplace, Payments

Founders: Luis Chau, Sebastian Burgos Díaz

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30. TuCuota.online

The idea behind this startup: B2B company that automates credit processes and generates qualified leads to banks, credit unions, and financial companies.

Headquarters: Montevideo, NA – Uruguay, Uruguay

Industries: Credit, FinTech, Personal Finance

Founders: Maximiliano A. Isa Pavía, Mariano Benedettini, Alejandro Robledo y Gonzalo Fernández

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31. Kredit24

The idea behind this startup: Private Loans, Mortgages

Headquarters: Hamburg, Hamburg, Germany

Industries: Credit, Finance, Financial Services

Founders: Unknown

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32. Simple Credit Repair Services

The idea behind this startup: Credit Repair

Headquarters: Unknown

Industries: Credit, Financial Services

Founders: Unknown

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33. CU Railz

The idea behind this startup: CU Railz enables credit unions to take control of their future by partnering with Payrailz.

Headquarters: Glastonbury, Connecticut, United States

Industries: Credit, Financial Services

Founders: Fran Duggan

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34. StitchCredit

The idea behind this startup: Next Ge. Credit API

Headquarters: San Francisco, California, United States

Industries: Credit

Founders: Marco Buhlmann

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35. Canadian Auto Brokers

The idea behind this startup: We want to get you back on the road with the vehicle you love, at a payment that makes sense to you.

Headquarters: Calgary, Alberta, Canada

Industries: Automotive, Credit

Founders: Grant Higginson, Grant Higginson

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36. Pocket Money Finance

The idea behind this startup: Micro-credit

Headquarters: Kampala, Kampala, Uganda

Industries: Credit, Credit Bureau, Finance, Financial Exchanges

Founders: Unknown

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37. UNO AFP

The idea behind this startup: UNO AFP offers multiple commission plans with a common methodology of growing the percentage of interest and multi-fund plans.

Headquarters: Santiago, Region Metropolitana, Chile

Industries: Credit, Financial Services, Payments

Founders: Unknown

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Written by hassan

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