50 Best Credit Companies to Watch in 2026

The most prominent credit companies ranked by global prominence, funding activity, and market position. Showing the top 50 out of 2,049 companies tracked on Fsome.

2,049
Total Companies
$143.3B
Total Funding
$69.9M
Avg Funding
London
Top Location
# Company Location Employees Total Funding Last Round Last Funded
1
Octane
Octane is a fintech firm offering financing solutions for powersports, outdoor e…
New York $4.3B Series F 2025-12-15
2
Monroe Capital
Monroe Capital is an asset management firm that provides private credit solution…
Chicago $534.0M Debt Financing 2025-07-01
3
Moniepoint
Moniepoint is a financial technology company that renders payments, credit, busi…
London 51 - 100 $323.1M Series C 2025-10-21
4
Apollo
Apollo is an asset management firm that focuses on the private investment-grade …
New York 5K - 10K $8.6B Post Ipo Debt 2026-03-25
5
Alkami Technology
Alkami Technology provides cloud-based digital banking solutions for credit unio…
Plano 501 - 1K $685.2M Post Ipo Equity 2026-03-25
6
OnePay
From spending and saving to borrowing and building better financial habits, OneP…
New York 501 - 1K $366.0M Series Unknown 2024-12-12
7
Golub Capital
Golub Capital is a market-leading direct lender and experienced private credit m…
New York 1K - 5K Private Equity 2022-12-08
8
Nova Credit
Nova Credit is a credit infrastructure and analytics company that enables busine…
San Francisco 51 - 100 $159.4M Series D 2025-10-14
9
Percent
Percent is a platform for sourcing, structuring, syndicating, monitoring, and se…
New York 11 - 50 $48.5M Series B 2024-05-31
10
PayJoy
PayJoy is a financial service company that provides affordable smartphone financ…
San Francisco 1K - 5K $585.6M Debt Financing 2025-12-02
11
SoFi
SoFi is a finance company that offers a range of lending and wealth management s…
San Francisco 1K - 5K $12.3B Post Ipo Equity 2025-12-04
12
Tide
Tide is a business management platform that helps SMEs handle banking, invoicing…
London 1K - 5K $441.8M Secondary Market 2025-09-22
13
Esusu
Esusu is a financial technology platform that leverages data solutions to help r…
New York 101 - 250 $195.0M Series C 2025-12-11
14
Achieve
Achieve provides digital personal finance tools to help clients with their finan…
Tempe 1K - 5K $1.8B Debt Financing 2025-12-16
15
Zilch
Zilch is is a direct-to-consumer ad-subsidised payments network that provides a …
London 251 - 500 $822.9M Debt Financing 2025-11-13
16
Zed
Zed provides a credit-focused neobank service offering a no-fee, no-interest Tit…
Taguig 11 - 50 $22.5M Series A 2025-12-09
17
NMI
NMI provides payments enablement technology.
Roselle 251 - 500 $620.0M Secondary Market 2021-09-09
18
Upgrade
Upgrade is a fintech company that offers mobile banking, credit, and payment pro…
San Francisco 1K - 5K $1.0B Debt Financing 2026-02-10
19
TomoCredit
AI financial wellness platform- smarter, inclusive financial opportunities for e…
San Francisco 51 - 100 $139.1M Series B 2022-07-21
20
ClearScore
ClearScore is a fintech company that provides free credit scores, credit reports…
London 101 - 250 $242.4M Debt Financing 2025-02-25
21
Pagaya
Pagaya enables financial institutions to expand access to more customers through…
New York 501 - 1K $7.3B Post Ipo Debt 2026-04-06
22
Ocrolus
Ocrolus is an AI-powered data and analytics platform that enables faster and mor…
New York 501 - 1K $127.0M Series C 2021-09-22
23
Kredete
Kredete offers financial tools helping African immigrants in the U.S. transfer m…
New York 11 - 50 $24.8M Series A 2025-09-15
24
Array
Array delivers embeddable, custom-branded credit and identity tools, personalize…
New York 251 - 500 $67.0M Series Unknown 2023-01-01
25
Upwardli
Upwardli helps users build credit and savings through personalized financial pro…
Seattle 11 - 50 $12.0M Seed 2025-11-07
26
Kikoff
Kikoff provides credit building services through secured cards and rent reportin…
San Francisco 101 - 250 $42.5M Series B 2021-06-10
27
January
A transparent debt resolution platform humanizing the consumer debt collection i…
New York 51 - 100 $22.0M Series B 2023-12-04
28
AIR Platforms
AIR Platforms (AIR) is an AI-powered credit ratings firm delivering real-time, c…
New York 1 - 10 $6.1M Seed 2025-12-10
29
The Baldwin Group
The Baldwin Group is an advisory firm that delivers insurance, risk mitigation, …
Tampa 1K - 5K $1.5B Post Ipo Debt 2025-12-10
30
Optasia
Optasia is a fintech company that develops airtime credit and mobile value-added…
Dubai 251 - 500 $331.9M Post Ipo Debt 2026-04-10
31
Karus
Karus is a fintech company that offers AI engine for auto finance.
San Francisco 11 - 50 $14.7M Secondary Market 2025-12-03
32
Narmi
Narmi is a provider of mobile, online, and digital account banking to regional a…
New York 101 - 250 $55.5M Series B 2022-06-15
33
Global Loan Agency Services
Global Loan Agency Services is a financial services company that offers debt adm…
London 251 - 500 Private Equity 2026-01-04
34
Wema Bank
Wema Bank is a provider of digital banking services.
Lagos 1K - 5K $149.7M Post Ipo Equity 2025-09-11
35
Neon
Neon is a digital bank that offers credit cards, personal loans, and investment …
São Paulo 501 - 1K $852.4M Series E 2025-07-10
36
CredibleX
CredibleX is an embedded finance platform that provides working capital finance …
Abu Dhabi 11 - 50 $155.0M Debt Financing 2025-09-10
37
Milo
Milo is a financial technology company that is reimagining the way crypto and gl…
Miami 11 - 50 $88.0M Debt Financing 2025-02-26
38
Credit Genie
Credit Genie is a fintech company that provides financial tools and debt relief …
Conshohocken 11 - 50 $57.0M Series Unknown 2025-02-12
39
Maxwell Financial Labs
A digital mortgage platform and value-added services designed exclusively for sm…
Denver 101 - 250 $79.3M Series B 2021-10-26
40
Earnest
Earnest is a technology-lender that brings low-interest loans to high-potential …
San Francisco 101 - 250 $316.3M Series C 2017-03-31
41
Park Square Capital
Park Square is one of Europe’s leading private debt firms, providing credit solu…
London 101 - 250 Private Equity 2022-01-10
42
Camino Financial
Camino Financial is an online finance company that offers business loans and wea…
Los Angeles 51 - 100 $169.6M Debt Financing 2022-04-07
43
TheGuarantors
TheGuarantors is a FinTech company that offers innovative risk and financial sol…
New York 101 - 250 $111.7M Debt Financing 2023-04-26
44
Climb Credit
Innovative student payment platform that makes career-focused education more acc…
Las Vegas 51 - 100 $68.6M Series Unknown 2020-06-22
45
Acima
Acima develops credit financing platform.
Draper 501 - 1K $125.0M Debt Financing 2018-05-02
46
PaymentCloud
PaymentCloud merchant services company that specializes in secure payment proces…
Encino 51 - 100 $45.0M Debt Financing 2022-06-13
47
OneMain Financial
OneMain Financial has been offering responsible and transparent loans for over 1…
Evansville 5K - 10K $2.9B Post Ipo Debt 2025-03-13
48
JULO
JULO is a digital lending company that provides affordable, unsecured personal l…
Jakarta 501 - 1K $155.0M Debt Financing 2022-04-13
49
Mission Lane
Mission Lane is a consumer finance company dedicated to helping everyone have ac…
Richmond 501 - 1K $675.0M Series Unknown 2024-02-16
50
Covalto
Covalto is a leading digital banking and services platform for SMEs in Mexico.
Mexico City 251 - 500 $521.3M Debt Financing 2022-10-17