The lending industry includes 22 unicorn startups, with companies spanning from the United States to the Philippines. These businesses focus on everything from home upgrade loans to small business credit.
GoodLeap, a US-based fintech, leads the group with a $12 billion valuation for its home upgrade loan solutions. Other major players include China's Jiedaibao, valued at $8 billion, and Brazil's Creditas, which has reached a $5 billion valuation.
Below is the full list of 22 Lending unicorn startups at this time.
Top 10 Most Valuable Lending Unicorns
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Get the Sheet for $50GoodLeap operates a digital marketplace for financing sustainable home solutions. Their technology makes it easier for homeowners to secure loans for projects like solar installations and other energy-efficient improvements.
| Valuation | $12B (Joined October 2021) |
| Headquarters | San Francisco, California, United States |
| Year Founded | 2003 |
| Founders | Hayes Barnard, Jason Walker, Matt Dawson |
| Funding Amount | $1.2B |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Venture Round |
| Top Investors | Mubadala Capital Ventures, WestCap, Stephens Group, New Enterprise Associates, BDT & MSD Partners |
Jiedaibao created a mobile application for peer-to-peer lending, connecting borrowers and lenders directly. The app's model is built on loans between acquaintances, using real-name registration and social networks to manage risk.
| Valuation | $8B |
| Headquarters | Beijing, Beijing, China |
| Year Founded | 2014 |
| Founders | — |
| Funding Amount | CN¥4.5B |
| Company Size | Major Organization (1,001-5,000) |
| Last Funding Status | Series B |
| Top Investors | — |
Mambu provides a SaaS cloud banking platform that helps financial institutions design and deploy modern financial products. Their composable architecture gives banks, lenders, and fintechs the flexibility to assemble custom solutions instead of using rigid, traditional systems.
| Valuation | $6B (Joined January 2021) |
| Headquarters | Amsterdam, Noord-Holland, The Netherlands |
| Year Founded | 2011 |
| Founders | Eugene Danilkis, Frederik Pfisterer, Sofia Nunes |
| Funding Amount | €387M |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Series E |
| Top Investors | Point Nine, TCV, EQT, Tiger Global Management, Bessemer Venture Partners |
Mynt builds and operates Gcash, a digital wallet and financial services platform. They provide a range of services from payment handling and money transfers to lending opportunities and business solutions.
| Valuation | $5B |
| Headquarters | Taguig, Rizal, Philippines |
| Year Founded | 2015 |
| Founders | — |
| Funding Amount | $1.3B |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Venture Round |
| Top Investors | Mitsubishi Corporation, Warburg Pincus, MUFG Bank, Insight Partners, Amplo |
Creditas built a digital platform for secured consumer loans, offering lower interest rates to its customers. They allow people to use their homes and cars as collateral to access more affordable credit options.
| Valuation | $5B (Joined December 2020) |
| Headquarters | São Paulo, Sao Paulo, Brazil |
| Year Founded | 2012 |
| Founders | Sergio Furio |
| Funding Amount | $1.1B |
| Company Size | Major Organization (1,001-5,000) |
| Last Funding Status | Series F |
| Top Investors | QED Investors, Wellington Management, Headline, International Finance Corporation, Endeavor Catalyst |
OfBusiness runs a tech-enabled platform that streamlines raw material procurement for small and medium-sized businesses across India. They support these companies further by offering credit and financing solutions designed for the manufacturing and infrastructure sectors.
| Valuation | $5B (Joined July 2021) |
| Headquarters | Gurgaon, Haryana, India |
| Year Founded | 2015 |
| Founders | Asish Mohapatra, Bhuvan Gupta, Chandranshu Sinha, Nitin Jain, Ruchi Kalra, Srinath Ramakkrushnan, Vasant Sridhar |
| Funding Amount | $989.8M |
| Company Size | Enterprise Organization (5,001+) |
| Last Funding Status | Venture Round |
| Top Investors | Titan Capital, Alpha Wave Global, Z47, Norwest, Tiger Global Management |
OakNorth offers tailored business loans and savings accounts to UK companies through its digital bank. They also license their credit intelligence platform to financial institutions globally, helping them make more informed lending decisions.
| Valuation | $3B |
| Headquarters | Manchester, Manchester, United Kingdom |
| Year Founded | 2015 |
| Founders | Joel Perlman, Rishi Khosla |
| Funding Amount | $1B |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Private Equity |
| Top Investors | NIBC Bank N.V., SoftBank Vision Fund, EDBI, GIC, Sammaan Capital |
Built Technologies develops cloud-based software to simplify the complexities of construction and real estate finance. Their platform connects lenders and builders, helping to speed up capital flow and improve project management from start to finish.
| Valuation | $2B |
| Headquarters | Nashville, Tennessee, United States |
| Year Founded | 2014 |
| Founders | Andrew Sohr, Chase Gilbert, Scott Sohr |
| Funding Amount | $312.7M |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Venture Round |
| Top Investors | Addition, Citi, Canapi Ventures, Index Ventures, XYZ Venture Capital |
Avant offers personal loans and credit cards through its online lending platform. They provide accessible and secure financial products as a straightforward alternative to traditional banking.
| Valuation | $2B (Joined December 2012) |
| Headquarters | Chicago, Illinois, United States |
| Year Founded | 2012 |
| Founders | Al Goldstein, Al Goldstein, John Sun, Paul Zhang |
| Funding Amount | $2.1B |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Private Equity |
| Top Investors | Tiger Global Management, Founders Fund, JP Morgan Chase, General Atlantic, QED Investors |
Zilch operates a direct-to-consumer payments network that provides a flexible buy now, pay later service. Their ad-subsidised model allows users to spread out the cost of their purchases over time.
| Valuation | $2B (Joined November 2021) |
| Headquarters | London, England, United Kingdom |
| Year Founded | 2018 |
| Founders | Jacob Fuller, Philip Belamant, Sean O’Connor, Sean O’Connor, Serge Belamant |
| Funding Amount | $646M |
| Company Size | Large Team (251-1,000) |
| Last Funding Status | Venture Round |
| Top Investors | Ventura Capital, Chaos Ventures, Deutsche Bank, US Bank, Goldman Sachs Asset Management |
The Remaining 12 Lending Unicorns
The most valuable companies only tell part of the story. Other founders are building strong lending businesses around the world.
Together, they have raised nearly $8 billion, with many of the fastest-growing companies coming from India and the United States. Below is a look at the other unicorns changing the lending industry.
