Top Fintech Companies in 2025

As more services become digitized, fintech startups have been on the rise to help companies meet the demands of a digital-first world. 

While VC funding for fintech startups was halved in 2023, many excellent fintech companies are continuing to grow and make moves in the industry.

Meet 27 notable fintech companies that exemplify the industry's dynamic growth and diverse range of services. These companies, spanning various locations across the United States and beyond, represent different segments of the fintech ecosystem, including digital banking, cryptocurrency, regulatory technology, and financial planning. As the fintech landscape continues to evolve, these companies are poised to play crucial roles in shaping the future of finance and technology integration.

27 Top Fintech Companies to Know

Guideline

Guideline, a remote-first company, is transforming the 401(k) landscape with its modern, user-friendly approach. The company offers easy, affordable retirement plans that can be customized to meet diverse business goals and team needs. With $339 million in funding and recognition as a top startup to watch, Guideline is poised to continue its disruptive impact on the traditional retirement savings industry.

Plinqit

Plinqit is an innovative SaaS fintech company helping banks and credit unions across the country acquire deposits, with the goal of helping financial institutions easily and cost-effectively introduce new services for attracting and retaining customers. This year, Plinqit’s Founder and CEO, Kathleen Craig, was named one of 20 finalists for this American Banker’s Innovators of the Year award.

FinLocker

FinLocker is one of the top fintech companies making waves in the financial technology sector. Based in St. Louis, this innovative firm recently secured a significant $17 million Series B funding round in May 2024, led by Radian Group. This substantial investment underscores FinLocker's potential and the confidence investors have in its future growth and impact on the fintech landscape.

Tractor Zoom

Tractor Zoom, headquartered in Des Moines, is revolutionizing the agricultural sector with its marketplace and finance platform for farming equipment. The company's innovative approach has earned it a spot as a finalist in the Data Solutions of the Year category at the 2024 Prometheus Awards, presented by the Technology Association of Iowa. Tractor Zoom's potential is further validated by its recent $13 million funding round, solidifying its position as a rising star in the AgTech and fintech space.

FranShares

FranShares, based in Chicago, is breaking new ground in the franchise investment space. In July, the company bolstered its financial position by adding $4 million in new funding, which will help develop its technology aimed at simplifying the process of investing in franchises. This influx of capital demonstrates investor confidence in FranShares' innovative approach to democratizing franchise ownership and highlights its potential to disrupt traditional investment models.

Credit Genie

Credit Genie, headquartered in Conshohocken, Pennsylvania, is rapidly emerging as one of the top fintech companies in the credit solutions space. The company has impressively raised over $23 million in funding, indicating strong investor confidence in its business model and growth potential. Credit Genie's fast-growing status suggests it's addressing a significant market need and is poised for continued expansion in the competitive fintech landscape.

Honeycomb Credit

Pittsburgh-based Honeycomb Credit is making significant strides in the realm of community-focused lending. Honeycomb Credit takes an innovative approach to connecting small businesses with community lenders. The company successfully raised $6 million in June 2024 in a funding round led by American Family Insurance Institute for Corporate and Social Impact. 

Coviance

Coviance, based in West Des Moines, is establishing itself as one of the top fintech companies in the mortgage technology sector. The company has secured over $13 million in funding. Coviance's innovation and impact in the industry have been recognized through its inclusion in the prestigious Tech100 Mortgage Awards, highlighting its significant contributions to advancing mortgage technology and processes.

Bankjoy

Detroit-based Bankjoy is revolutionizing digital banking for banks and credit unions. The company offers a comprehensive suite of digital banking solutions, including mobile and online banking, online account opening, online loan applications, statements, and Conversational AI. Bankjoy's seamless and integrated approach to digital banking positions it as a key player in the financial technology sector, helping traditional financial institutions compete in the digital age.

Lifeworks

Lifeworks, headquartered in Grand Rapids, is innovating in the financial planning space with its subscription-based model. The company provides tools and templates to support a scalable, fee-based approach to financial planning, addressing the evolving needs of both advisors and clients. With over $7 million in funding raised, Lifeworks is well-positioned to continue its growth and potentially disrupt traditional financial advisory services.

Ascent

Chicago-based Ascent has established itself as a pioneer in regulatory technology for financial services. As the first integrated, global regulatory lifecycle management platform in its sector, Ascent has garnered significant attention and success. The company's innovative approach to RegTech led to its acquisition in early 2024 by Edgewater Capital, marking a significant milestone in its growth trajectory and industry impact.

Upstart

Upstart, based in Columbus, stands out as one of the top fintech companies revolutionizing lending through artificial intelligence. The company's platform connects millions of consumers to over 100 banks and credit unions, leveraging AI models and cloud applications to deliver superior credit products. Upstart's comprehensive offering includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar "relief" loans, positioning it at the forefront of AI-driven financial services.

Pangea Money Transfer

Chicago-based Pangea Money Transfer has become a trusted name in international money transfers. With over 3 million transactions completed, Pangea offers an easy-to-use service for sending money to loved ones abroad. The company's focus on simplifying global money movement has positioned it as a key player in the remittance sector of fintech, addressing the needs of an increasingly interconnected world.

Nala

Nala, a remote-first fintech company, is making waves in the mobile payments sector. The company recently secured a substantial $40 million Series A funding round in July 2024. Nala's focus on developing a mobile payments application to simplify money transfers and transactions positions it as an emerging leader in the digital payments space, particularly in underserved markets.

Tapcheck

Operating remotely with a presence in Texas, Tapcheck is revolutionizing the earned wage access (EWA) sector. The company boasts the highest precision and adoption rates for on-demand pay solutions in the market. Tapcheck's innovative approach to providing employees with flexible access to their earned wages is addressing a critical need in the evolving landscape of payroll and financial wellness services.

Linqto

Linqto, a remote-based company, has established itself as a prominent global fintech investment platform. The company's focus on democratizing access to private market investments sets it apart in the fintech landscape. Linqto's platform enables accredited investors to participate in pre-IPO opportunities, bridging the gap between retail investors and high-potential private companies.

Coinme

Seattle-based Coinme, with a remote-friendly approach, is one of the top fintech companies in the cryptocurrency sector. Operating a bitcoin ATM network, Coinme provides accessible avenues for individuals to enter the world of virtual currencies. The company has raised a total of $30.6 million in funding, reflecting strong investor confidence in its role in mainstream cryptocurrency adoption.

Inswitch

Inswitch, headquartered in Miami with remote operations, is making significant strides in the Latin American payments landscape. In May, the company was acquired by TransNetwork, expanding its cross-border payment capabilities in Latin America. Furthermore, in July, Inswitch became the official provider for n1co, a fintech transforming digital payments in the region with VISA cards. These developments position Inswitch as a key player in the evolving LatAm fintech ecosystem.

Autobooks

Detroit-based Autobooks is revolutionizing small business banking with its integrated payments and accounting platform. The company delivers its solutions through online banking channels, providing a seamless experience for businesses. With nearly $100 million in funding raised since its founding in 2015, Autobooks has demonstrated strong growth and investor confidence, positioning it as a significant player in the business banking technology sector.

T-Cetra

Columbus-based T-Cetra has been a trailblazer in the fintech space for over 17 years. The company leverages cutting-edge proprietary software to open doors to underbanked markets through its expansive network of 10,000 retailers. T-Cetra's long-standing presence and continued innovation in serving underbanked populations highlight its significant role in financial inclusion efforts.

Splash Financial

Splash Financial, headquartered in Cleveland, has established itself as a national leader in student loan refinancing. The company's impressive track record includes opening over 100,000 accounts and handling more than $6 billion in refinancing requests. Splash Financial's recent expansion into personal loans demonstrates its ability to diversify and adapt to market needs, solidifying its position as a key player in the consumer lending space.

CertifID

CertifID, based in Grand Rapids, Michigan, is addressing critical security needs in financial transactions. As a SaaS security platform used to validate identity and securely transfer bank account information, CertifID plays a crucial role in preventing fraud and ensuring secure transactions. The company's success is evident in its impressive funding of over $36 million, reflecting the growing demand for robust security solutions in financial services.

Nickels

Ann Arbor-based Nickels is innovating in the credit union sector with its financial assessment tools. The company provides solutions that help credit unions evaluate their members' financial health and offer relevant products and services. Nickels' focus on empowering credit unions with data-driven insights positions it as a valuable partner in the evolving landscape of community-based financial services.

Wellthi

Wellthi, based in Arlington, Virginia, is making waves with its Virtual Advisor Technology app. The company's innovative solution is designed to lower branch costs, drive low-cost deposits, and maximize opportunities for financial institutions with consumers under 45. Wellthi's recent seed round funding in January 2024 underscores investor confidence in its potential to transform customer engagement in banking.

Brightwell

Atlanta-based Brightwell is a pioneer in cross-border payments and financial services for businesses with globally dispersed employees. The company's innovative payment technology has earned it recognition in numerous awards, including the 2024 PayTech Awards by Fintech Futures and as a Georgia Fast 40 company. Brightwell's focus on addressing the unique financial needs of global workforces positions it as a key player in the international payments sector.

TaxBit

Utah-based TaxBit is revolutionizing tax and accounting in the digital asset space. As one of the top fintech companies in crypto compliance, TaxBit offers enterprise-grade tools to automate information and financial reporting. The company's impressive funding of over $250 million demonstrates strong investor confidence in its solution for the complex intersection of cryptocurrency and tax compliance.

Bluevine

California-based Bluevine has established itself as a powerhouse in business banking. The company offers a robust platform featuring lower fees, effortless money movement, and access to working capital. With over $769 million raised in funding, Bluevine stands out as one of the top fintech companies addressing the unique financial needs of small and medium-sized businesses.