# Top 50 Fintech Startups in the United States by Funding (2026)

> The 50 best-funded fintech startups in the United States, ranked by total funding raised: $55B combined.

Source: https://millionrounds.com/top-lists/fintech-startups-united-states (Millionrounds; every figure on the page links to its filing or article)

- 1 [**Ramp** Ramp is a financial operations and spend management platform based in New York City, founded in 2019.](https://millionrounds.com/company/ramp) Ramp is a financial operations and spend management platform based in New York City, founded in 2019. *Founded* 2006 Boston, United States **$4.5B** last round Oct 2026
- 2 [**SoFi** SoFi is a finance company that offers a range of lending and wealth management services.](https://millionrounds.com/company/sofi) SoFi is a finance company that offers a range of lending and wealth management services. *Founded* - San Francisco, United States **$4.2B** last round Dec 2025
- 3 [**Kalshi** Kalshi is a CFTC-regulated exchange and prediction market platform based in New York City.](https://millionrounds.com/company/kalshi) Kalshi is a CFTC-regulated exchange and prediction market platform based in New York City. *Founded* 2019 New York, United States **$3.7B** last round Oct 2026
- 4 [**Robinhood** Trade stocks on Robinhood with commission-free investing & advanced trading tools.](https://millionrounds.com/company/robinhood) Trade stocks on Robinhood with commission-free investing & advanced trading tools. *Founded* 2013 Palo Alto, United States **$3.5B** last round Apr 2026
- 5 [**Polymarket** Polymarket is the largest prediction market platform globally, allowing users to trade shares on the outcomes of real-world events.](https://millionrounds.com/company/polymarket) Polymarket is the largest prediction market platform globally, allowing users to trade shares on the outcomes of real-world events. *Founded* 2020 New York, United States **$3.0B** last round Aug 2026
- 6 [**Avant** Avant Meats Company Limited is a pioneering cultivated meat company based in Hong Kong, recognized as the first of its kind in China and the first cultivated fi](https://millionrounds.com/company/avant) Avant Meats Company Limited is a pioneering cultivated meat company based in Hong Kong, recognized as the first of its kind in China and the first cultivated fi *Founded* 2018 Central, United States **$2.0B** last round Jul 2026
- 7 [**Affirm** Buy now pay later without the fees.](https://millionrounds.com/company/affirm) Buy now pay later without the fees. *Founded* - San Francisco, United States **$1.7B** last round Oct 2025
- 8 [**iCapital** iCapital, officially known as Institutional Capital Network, Inc., is a prominent financial technology company based in New York City.](https://millionrounds.com/company/icapital) iCapital, officially known as Institutional Capital Network, Inc., is a prominent financial technology company based in New York City. *Founded* 2013 New York, United States **$1.6B** last round Sept 2026
- 9 [**Upstart** Upstart connects millions of consumers to 100+ banks and credit unions who leverage Upstart's artificial intelligence models and cloud applications to deliver s](https://millionrounds.com/company/upstart) Upstart connects millions of consumers to 100+ banks and credit unions who leverage Upstart's artificial intelligence models and cloud applications to deliver s *Founded* - San Mateo, United States **$1.6B** last round Apr 2026
- 10 [**Kabbage** Kabbage is a fintech company that offers cash flow management solutions to small businesses.](https://millionrounds.com/company/kabbage) Kabbage is a fintech company that offers cash flow management solutions to small businesses. *Founded* 2008 United States **$1.6B** last round Nov 2017
- 11 [**Chime**](https://millionrounds.com/company/chime) *Founded* - United States **$1.3B** last round Mar 2025
- 12 [**Pagaya** Pagaya enables financial institutions to expand access to more customers through its artificial intelligence network.](https://millionrounds.com/company/pagaya) Pagaya enables financial institutions to expand access to more customers through its artificial intelligence network. *Founded* 2016 New York, United States **$1.2B** last round Sept 2026
- 13 [**Bright Health**](https://millionrounds.com/company/bright-health) *Founded* 2015 United States **$1.1B** last round Dec 2019
- 14 [**nCino** nCino provides a cloud banking platform that helps financial institutions modernize their operations and improve the customer experience.](https://millionrounds.com/company/ncino) nCino provides a cloud banking platform that helps financial institutions modernize their operations and improve the customer experience. *Founded* 2012 Wilmington, United States **$1.1B** last round Jan 2022
- 15 [**Stripe** Launch your startup quickly and cost effectively from anywhere in the world with Atlas.](https://millionrounds.com/company/stripe) Launch your startup quickly and cost effectively from anywhere in the world with Atlas. *Founded* 2018 San Francisco, United States **$1.0B** last round Mar 2026
- 16 [**College Ave** The College Ave Student Loans Product is made by Firstrust Bank, member FDIC.](https://millionrounds.com/company/college-ave) The College Ave Student Loans Product is made by Firstrust Bank, member FDIC. *Founded* 2014 Wilmington, United States **$1.0B** last round Sept 2024
- 17 [**Best Egg** Best Egg provides flexible solutions to help customers with limited savings confidently navigate their everyday financial lives.](https://millionrounds.com/company/best-egg) Best Egg provides flexible solutions to help customers with limited savings confidently navigate their everyday financial lives. *Founded* 2014 Wilmington, United States **$1.0B** last round Dec 2024
- 18 [**Octane**](https://millionrounds.com/company/octane) *Founded* - United States **$918M** last round Jul 2026
- 19 [**Carta** Carta, Inc.](https://millionrounds.com/company/carta) Carta, Inc. *Founded* 2012 San Francisco, United States **$880M** last round Aug 2021
- 20 [**Credit Karma** Intuit Credit Karma offers free credit scores, reports and insights.](https://millionrounds.com/company/credit-karma) Intuit Credit Karma offers free credit scores, reports and insights. *Founded* 2007 United States **$868M** last round Mar 2018
- 21 [**Remitly** Remitly is a mobile payments service that enables users to make person-to-person international money transfers.](https://millionrounds.com/company/remitly) Remitly is a mobile payments service that enables users to make person-to-person international money transfers. *Founded* 2011 Seattle, United States **$861M** last round Jun 2025
- 22 [**Circle**](https://millionrounds.com/company/circle) *Founded* - United States **$772M** last round Sept 2026
- 23 [**Sunlight Financial** Sunlight Financial is a technology-enabled point-of-sale financing company based in Charlotte, North Carolina.](https://millionrounds.com/company/sunlight-financial) Sunlight Financial is a technology-enabled point-of-sale financing company based in Charlotte, North Carolina. *Founded* 2014 Charlotte, United States **$730M** last round Jul 2021
- 24 [**Branch**](https://millionrounds.com/company/branch) *Founded* - United States **$707M** last round Apr 2025
- 25 [**Root Insurance** Root® does car insurance differently.](https://millionrounds.com/company/root-insurance) Root® does car insurance differently. *Founded* - Columbus, United States **$701M** last round Oct 2024
- 26 [**RigUp** Workrise, formerly known as RigUp, is a technology company based in Austin, Texas, specializing in source-to-pay solutions and labor marketplaces for the energy](https://millionrounds.com/company/rigup) Workrise, formerly known as RigUp, is a technology company based in Austin, Texas, specializing in source-to-pay solutions and labor marketplaces for the energy *Founded* 2014 Austin, United States **$679M** last round May 2021
- 27 [**Plaid**](https://millionrounds.com/company/plaid) *Founded* - United States **$674M** last round Feb 2026
- 28 [**Next Insurance** Next Insurance is a digital insurance company specializing in coverage for entrepreneurs and small businesses.](https://millionrounds.com/company/next-insurance) Next Insurance is a digital insurance company specializing in coverage for entrepreneurs and small businesses. *Founded* 2016 Waltham, United States **$627M** last round Nov 2023
- 29 [**Hippo Insurance** Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties.](https://millionrounds.com/company/hippo-insurance) Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties. *Founded* 2015 San Jose, United States **$620M** last round Aug 2021
- 30 [**Ripple** Ripple is a leading American technology company focused on enhancing global cross-border payments through blockchain technology.](https://millionrounds.com/company/ripple) Ripple is a leading American technology company focused on enhancing global cross-border payments through blockchain technology. *Founded* 2012 San Francisco, United States **$596M** last round Nov 2025
- 31 [**Voyager**](https://millionrounds.com/company/voyager) *Founded* - United States **$590M** last round Jun 2022
- 32 [**Digital Asset** Digital Asset develops ledger technology intended to build distributed, encrypted straight-through processing tools.](https://millionrounds.com/company/digital-asset) Digital Asset develops ledger technology intended to build distributed, encrypted straight-through processing tools. *Founded* 2014 New York, United States **$580M** last round Jun 2026
- 33 [**Knock** Knock helps product and engineering teams send notifications to their customers.](https://millionrounds.com/company/knock) Knock helps product and engineering teams send notifications to their customers. *Founded* 2021 New York, United States **$555M** last round Aug 2025
- 34 [**Vestwell** Vestwell is a financial technology company based in New York City, founded in 2016.](https://millionrounds.com/company/vestwell) Vestwell is a financial technology company based in New York City, founded in 2016. *Founded* 2016 New York, United States **$553M** last round Mar 2026
- 35 [**Applied Data Finance** ADF has been purpose-built to be the optimal link between the underestimated underbanked consumer and capital markets.](https://millionrounds.com/company/applied-data-finance) ADF has been purpose-built to be the optimal link between the underestimated underbanked consumer and capital markets. *Founded* 2014 San Diego, United States **$539M** last round Mar 2026
- 36 [**Upgrade**](https://millionrounds.com/company/upgrade) *Founded* - United States **$537M** last round Feb 2026
- 37 [**StablecoinX**](https://millionrounds.com/company/stablecoinx) *Founded* - United States **$530M** last round Sept 2025
- 38 [**Mercury**](https://millionrounds.com/company/mercury) *Founded* - United States **$528M** last round May 2026
- 39 [**Gusto** Gusto, Inc.](https://millionrounds.com/company/gusto) Gusto, Inc. *Founded* 2011 San Francisco, United States **$518M** last round Jul 2025
- 40 [**Metropolis Technologies** Metropolis Technologies is an innovative AI and computer vision company based in Santa Monica, California.](https://millionrounds.com/company/metropolis-technologies) Metropolis Technologies is an innovative AI and computer vision company based in Santa Monica, California. *Founded* 2017 Santa Monica, United States **$518M** last round Nov 2025
- 41 [**Brex** ``````oooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo``````oooooooooooooooooooooooooooooooo](https://millionrounds.com/company/brex) ``````oooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo``````oooooooooooooooooooooooooooooooo *Founded* 2017 San Francisco, United States **$517M** last round Jan 2025
- 42 [**Alpaca** Alpaca is a brokerage infrastructure company based in San Mateo, California, that specializes in providing an API-first platform for commission-free trading.](https://millionrounds.com/company/alpaca) Alpaca is a brokerage infrastructure company based in San Mateo, California, that specializes in providing an API-first platform for commission-free trading. *Founded* 2017 San Mateo, United States **$513M** last round Jul 2026
- 43 [**Kin Insurance** Kin Insurance is an insurtech company that offers personalized home insurance policies.](https://millionrounds.com/company/kin-insurance) Kin Insurance is an insurtech company that offers personalized home insurance policies. *Founded* 2016 Chicago, United States **$513M** last round May 2026
- 44 [**Mission Lane**](https://millionrounds.com/company/mission-lane) *Founded* - United States **$500M** last round Feb 2024
- 45 [**Crebrid** Crebrid is a fintech-driven real estate lending platform based in Plano, Texas, specializing in short-term hard money loans.](https://millionrounds.com/company/crebrid) Crebrid is a fintech-driven real estate lending platform based in Plano, Texas, specializing in short-term hard money loans. *Founded* - Plano, United States **$500M** last round Jun 2025
- 46 [**BlueVine** Bluevine is the largest small business banking platform in the U.S.](https://millionrounds.com/company/bluevine) Bluevine is the largest small business banking platform in the U.S. *Founded* 2013 Jersey City, United States **$493M** last round May 2023
- 47 [**Capchase** Capchase is a fintech company that provides financial solutions to startups by allowing access to funds as they grow.](https://millionrounds.com/company/capchase) Capchase is a fintech company that provides financial solutions to startups by allowing access to funds as they grow. *Founded* 2020 New York, United States **$488M** last round May 2026
- 48 [**DriveWealth** DriveWealth is a global B2B financial technology company founded in 2012, headquartered in New York City.](https://millionrounds.com/company/drivewealth) DriveWealth is a global B2B financial technology company founded in 2012, headquartered in New York City. *Founded* 2012 New York, United States **$475M** last round Aug 2021
- 49 [**Acorns** Acorns is a global financial wellness app that focuses on micro-investing, helping everyday people and families save and invest small amounts of money for long-](https://millionrounds.com/company/acorns) Acorns is a global financial wellness app that focuses on micro-investing, helping everyday people and families save and invest small amounts of money for long- *Founded* 2012 Irvine, United States **$438M** last round Mar 2022
- 50 [**Point** Point Card is a financial tool that offers debit, overdraft facility, and credit card-like features.](https://millionrounds.com/company/point) Point Card is a financial tool that offers debit, overdraft facility, and credit card-like features. *Founded* 2018 San Francisco, United States **$427M** last round Nov 2025

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose funding rounds we classed as this sector, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

Open any company for its rounds and investors, or search the investors who back fintech startups in the United States in the app, with filters, lists and exports.

[Find their investors](https://millionrounds.com/login?join=1&next=/app/investors)[All top lists](https://millionrounds.com/top-lists)

## More fintech lists

[See all](https://millionrounds.com/top-lists?t=Fintech)

[*AF* *R* *S* **Fintech startups worldwide** 3,200 companies · $94B](https://millionrounds.com/top-lists/fintech-startups)[*S* *K* *FC* **Fintech startups in Europe** 749 companies · $30B](https://millionrounds.com/top-lists/fintech-startups-europe)[*R* *K* *R* **Fintech startups that raised in 2026** 665 companies · $30B in 2026](https://millionrounds.com/top-lists/fintech-startups-raised-2026)[*FC* *R* *C* **Fintech startups in the United Kingdom** 342 companies · $23B](https://millionrounds.com/top-lists/fintech-startups-united-kingdom)[*R* *K* *R* **Fintech startups in the United States that raised in 2026** 257 companies · $22B in 2026](https://millionrounds.com/top-lists/fintech-startups-united-states-raised-2026)[*K* *P* *I* **Fintech startups in New York** 217 companies · $21B](https://millionrounds.com/top-lists/fintech-startups-new-york)[*S* *R* *A* **Fintech startups in Bay Area** 212 companies · $22B](https://millionrounds.com/top-lists/fintech-startups-bay-area)[*P* *T* *C* **Fintech startups founded in 2020** 179 companies · $12B](https://millionrounds.com/top-lists/fintech-startups-founded-2020)

## More lists for United States

[See all](https://millionrounds.com/top-lists?r=United%20States)

[*O* *A* *X* **Startups in the United States** 42,176 companies · $870B](https://millionrounds.com/top-lists/startups-united-states)[*GV* *V* *RP* **Health startups in the United States** 7,411 companies · $71B](https://millionrounds.com/top-lists/health-startups-united-states)[*O* *A* *X* **AI startups in the United States** 5,656 companies · $718B](https://millionrounds.com/top-lists/ai-startups-united-states)[*V* *RP* *DH* **Healthcare startups in the United States** 4,148 companies · $51B](https://millionrounds.com/top-lists/healthcare-startups-united-states)[*S* *P* *I* **IT Services startups in the United States** 3,482 companies · $27B](https://millionrounds.com/top-lists/it-services-startups-united-states)[*D* *CE* *AD* **Big Data & Analytics startups in the United States** 2,107 companies · $132B](https://millionrounds.com/top-lists/big-data-startups-united-states)[*O* *A* *W* **AI startups in the United States that raised in 2026** 1,648 companies · $431B in 2026](https://millionrounds.com/top-lists/ai-startups-united-states-raised-2026)[*D* *P* *A* **Software startups in the United States** 1,638 companies · $77B](https://millionrounds.com/top-lists/software-startups-united-states)