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Financial Startup Ideas

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A “personal finance tool” for people with less than $50,000 to help them with financial management.

1,150

A fintech startup that is building a platform that will let users import financial data from different platforms and create a financial dashboard that can be integrated with other platforms.

255

A tool for managing all your financials and tax information.

155

A startup that provides financial planning for high net worth individuals and families, and which has worked with the likes of Goldman Sachs, Credit Suisse, and Fidelity.

145

A “do-it-yourself” set of financial tools for people looking to manage their finances.

130

A startup for people in retirement who want to retire overseas. The startup helps people in their 50s and 60s with this goal, by building a financial blueprint for a person’s retirement and then matching them with an appropriate country.

118

 A startup that wants to help companies make sense of the many different financial transaction systems that they manage.

102

A digital education platform for low-income students, helping them understand their financial aid eligibility.

101

An online platform that helps students get into college by providing information about scholarships, programs and financial aid.

98

A platform for people to learn their own personal finance. The startup uses gamification to teach users about their finances and to promote financial literacy.

97

An AI system to recommend and execute financial transactions

93

A startup that does “personalized” financial planning for people who have a lot of money So, clients pay a fee and the financial planner talks with them and then helps them set up their investment portfolio

89

A platform that makes it easier to build and deploy decentralized applications on the Ethereum network. The startup aims to make Ethereum as easy to use as a web app, with an initial focus on dapps for financial services.

89

An AI-powered financial advisory platform that helps people make better financial decisions.

88

A web-based platform for financial planning, with an AI that helps users make better financial decisions through behavioral psychology.

87

A financial services startup that offers small business loans.

86

Share3X is a platform that lets people store, share, and manage their work and financial tools. The startup offers a “Workplace as a Service” for companies to house their employees’ tools.

86

A company that allows people to streamline financial transactions by providing a simple interface to pay bills.

86

For those who can’t afford to pay for a full-time financial advisor, this startup offers hourly advice via phone or video.

84

A team of bitcoin and blockchain-savvy developers building a software suite for the financial services industry.

83

A chatbot that helps personal financial management. The startup is looking to build a platform that aggregates data from a variety of online and offline sources to provide financial guidance and advice to its users.

83

A financial services firm that helps companies get the most out of their employees.

82

A company that helps consumers create a financial plan and then makes it easier for them to execute that plan, with the goal of helping people who don’t have access to traditional financial planning.

82

A system for visualizing all financial data for a company, and making it actionable.

80

This personal finance app helps users track and manage their finances. It’s also a platform for sharing ideas and tracking financial goals with friends.

80

A company that sells an AI-powered financial advisor to help people save for retirement. The company says it has had more than $30 million in AUM.

80

This is a solution to help small businesses manage their tax and financial obligations. Their platform is built on Slack, helping you bill, collect, and send payments to your customers, which can be done through a simple, intuitive interface.

80

A startup that uses AI and machine learning to build financial tools that are better at predicting risk.

79

A startup that makes a “personalized financial advisor” out of your phone.

79

A platform that helps consumers find the right financial options for them.

78

A tool that allows you to create and manage your own variety of financial instruments. Think of it as a Pinterest and Facebook for financial funds, with a focus on helping people raise money from friends and family.

78

A startup that’s building a way for small business owners to track and manage their financial data in one central location.

77

A platform that provides personal finance advice in the form of an AI-powered personal financial advisor. The startup is currently in private beta.

77

A platform for social media content curation, with a focus on the financial sector. The company has been pitching the idea of creating “content factories” which can create content and deliver it in real-time to markets.

77

The startup is building a way for people to keep track of their credit scores and other financials via the web or mobile.

76

A startup that is refining the way financial advisors do their work, letting them adjust to the needs of their clients.

76

A startup that wants to help financial professionals manage their businesses.

75

This is a financial platform for the “urban poor” that helps track their income, expenses, and savings. It connects people to financial services and also helps them understand how to make savings and investments.

75

A product that helps financial advisors create discounted and flexible investment plans for clients.

74

A startup that wants to bring a similar UI to the world of online banking, except that instead of generic banks, the startup offers a wide array of financial products.

73

Speaking of the “Ikea of finance”, this startup is building a digital platform that lets you build your own financial portfolios.

73

A social network for those in finance, made with the goal of “reducing the cost of the financial system by democratizing access to financial markets.”

73

A startup that wants to solve the “capital management” problem for enterprise software startups. Instead of companies managing all of their own financial resources, they plan to provide a service that helps startups manage their capital, paying for those resources as needed.

73

A tool that helps companies automate their financial and operational reporting to ensure that they’re on track. The company is selling the software to businesses that aren’t online, and has worked with companies like Google and Target.

72

A platform for financial advisors to manage their clients’ investments. The platform is intended to help advisors avoid mistakes often made by new advisors, and set up automatic investment reports.

72

This startup helps students compare a college’s financial aid package to other colleges.

72

A social network for financial advisors, aimed to help them find new clients and provide timely advice.

72

A way to help companies with daily financial transactions and invoicing. The company is based in the UK, and has raised $1.3 million.

71

A tool that helps you figure out which of your friends are in financial trouble. It sends you a link to their profile and asks you a few questions to figure out if they’re in financial trouble.

71

To help people make better financial decisions, the startup is building a mobile app that guides users through financial modeling, much like a savings calculator.

71

New York - New York City is home to the largest financial district in the world, but the cost of living for interns in this area is so high that it’s difficult for companies to entice young talent to stay. This startup, known as Give, wants to make it easier for companies to hire interns.

70

A startup that aims to help financial advisors in the US give advice to clients who are buying fixed-income investments. The startup is backed by the venture arm of Goldman Sachs.

70

A startup for financial advisors to offer financial planning services to businesses, taking a commission on the fee. For instance, the advisor might charge $150 to help a company with a financial budget.

70

The startup is currently in stealth mode, but it’s building a venture backed company that’s making a “set of automation services” for enterprise customers in the financial services industry.

70

A B2B service for the financial industry that helps banks identify potential customers and understand their spending habits.

69

A software for financial advisors that helps them fish out bad investments and clients that are taking too much risk.

69

A platform that allows financial advisors to provide their clients with a mobile app that helps them save more money. The startup has raised $1.5 million in seed funding.

69

This startup is building a platform that allows companies to make financial decisions for their employees, including healthcare, retirement and other benefits.

69

A tool for financial advisors that brings together data to help them make more informed financial decisions. It was launched as a beta in October.

69

A financial app that helps consumers buy insurance through their smartphones and mobile apps.

69

A financial management application to help freelancers get paid, track their costs, and manage their invoices.

68

A financial technology company that helps retail clients with business expenses and operations.

68

A financial services platform for small businesses in the UK. It’s currently on a pilot with around 100 businesses.

68

A startup that wants to make your money work for you, without having to do the work yourself. The company’s first product is a small device that makes it easier for people to open their credit card accounts, and has plans to expand to other financial products like insurance.

68

A financial services startup that helps small businesses get loans. The company sends loan officers into the field to help small businesses get loans quickly and at low rates.

68

The team behind CardCounting is building a mobile app that helps improve the spending habits of low-income people, and provide a platform for financial services aimed at those people.

67

A platform that helps the elderly maintain independence and control over their finances. The company wants to provide financial tools to help the elderly maintain independence and control over their finances.

67

This startup is building a network for the more than 60 million people who don’t have bank accounts — but are still expected to receive a loan, rent payments, or pay utility bills. As a result, they often don’t have access to the basic financial services they need. Envelope lets them become a platform for next-day payment, and offers payment-by-phone for small transactions.

67

A web-based platform for financial advisors to manage clients

67

A startup that hopes to replace the need for human financial advisors with an AI-powered automated wealth manager.

67

This is a software-as-a-service platform that allows members to buy and sell bitcoin with zero fees. The startup currently only works with digital currencies, and only with verified users, but plans to expand its service to other financial instruments in the future.

66

A product that helps customers compare different financial products to understand which is best for them.

66

A financial services startup that helps companies and employees track their cash flow and financial status. The company is building a software platform that says can help companies manage their funds, from paying employees and issuing paychecks to buying inventory.

66

This startup is building out a tool for financial advisers to manage their client’s portfolios in one place.

65

A startup that’s helping small businesses in the US automate payroll and create financial reporting with minimal cost. The company is now focusing on being a one-stop shop for small businesses.

65

A software-as-a-service platform that allows businesses to manage their financial resources like a small business.

65

A software company that helps financial advisers and insurance carriers streamline the process of dealing with individual clients.

63

A startup that uses the power of past sales information to predict returns on investments, helping investors make better financial decisions.

63

A financial service company that helps people get their retirement savings straightened out.

63

We have been taught that investing is for the financially sophisticated. But SICAV’s goal is to make it simpler, more transparent and more accessible to people everywhere.

63

A “full stack” financial planning and management tool, which is supposed to help people make smarter financial decisions.

63

A mobile app for managing student financial aid.

63

A company that provides financial planners with a tool that lets them manage a client’s retirement accounts from their phone.

62

A fintech startup that wants to make it easier for financial advisors to do their job better.

62

A platform that promises to help people manage their personal finances by combining the power of artificial intelligence with the power of crowd sourcing. The company wants to make the financial management process more efficient and accessible.

62

A credit reporting agency that uses AI to predict a person’s financial risk.

62

This startup is going after the $2.5 trillion PBOC, or People’s Bank of China. A financial technology startup that wants to serve the Chinese populace that isn’t as online-savvy as westerners.

62

A tool that lets you explore the world of retirement savings without having to read financial statements or do any complex math. As a nudge to get you started, it’s free.

62

A platform that helps your employees to deal with regulatory requirements for their business. The company currently has a handful of clients, including a financial services company.

61

A tool that allows users to create a “happiness curve” to track their financial progress over time.

61

A cybersecurity startup offering enterprise-grade security for small companies. The company claims to have already brought in $1.5M in revenue. Possibly a conflation of the financial services startup and the cybersecurity startup,

61

A startup building a portfolio management service that uses machine learning to help users better manage and invest in their portfolio across multiple financial services.

61

An online platform for secondary market transactions, where you can buy and sell stocks, bonds, and other financial instruments.

60

A financial service for college students. The company is building a lending service for students.

60

A financial planning platform for millennials and Gen Z.

60

A B2B tool for financial services companies to automate the onboarding process like account opening and risk management.

59

A brand new CRM product from Capital One, which boasts a product team of two people. The product is designed to help small businesses manage their customer relationship management, with a focus on helping businesses handle financial transactions and invoicing.

58

This startup is building a new kind of network for startups, one that allows them to share their financial data, such as their expenses, with other investors. In the past six months, the startup has raised $3 million from investors.

58

A financial-tech startup that is trying to provide small business owners and independent contractors with better ways to manage and pay their bills.

58

A startup run by former Microsoft employee Jason Pelczer, that’s developing a system for companies to accept crypto payments for their enterprise software. The company is targeting companies in the financial services sector.

58

A smartphone app that helps a person manage their finances in real-time, with the goal of helping people make better financial decisions.

58

A platform that offers financial services, with a focus on the unbanked and underserved.

57

The company built a “crowd-sourced” platform to help people with their financial planning.

57

This startup is building a vending machine for the financial sector. It’s an open source vending machine that lets banks and credit unions buy and sell financial products in bulk.

57

This personal finance startup plans to help people make better financial decisions–based on AI and behavioral science. It hopes to use machine learning to help users make better decisions based on data, rather than allowing people to just “use their gut”. The company is based in San Francisco, but is looking to hire a CTO.

56

A software company building a “search engine for financial markets” that enables investors to find the best stocks to buy and sell.

55

A VC-backed startup that is looking to bring financial services to the unbanked in India. The company has started piloting its technology in Chennai and Hyderabad.

55

A software startup that helps financial professionals create report dashboards for executives to make better decisions.

55

A chatbot that allows you to schedule calls with financial advisors at your convenience.

53

A startup that uses machine learning to provide its more than two million members personalized financial advice. Users input their financial goals and the startup generates a personalized financial plan.

52

A startup that helps customers create custom financial plans for themselves with an emphasis on helping people age in place.

52

A company that lets you build a personal financial plan in the cloud by taking a quiz.

51

A startup that wants to teach young people in the developing world about money management and financial literacy. It hopes to do this through written workbooks, games, and a messaging platform that supports peer-to-peer learning.

51

A software company that simplifies and automates the process of creating and managing financial reports.

50

Zach wants to help people who don't want to use a traditional bank — they don't want to install an app, or they want to use a specific app for different financial needs. Zach is a mobile application that lets you do this, with a free service called Zach Wallet.

50

VaynerMedia is an advertising agency that has pivoted its business into a platform for influencer marketing, with the goal of creating “a financial engine” for influencers, allowing them to monetize their content.

49

is a startup that helps businesses understand how much their employees are earning, what their biggest expenses are, and what their financial goals are.

49

The company aims to be a one-stop shop for financial and legal advice.

48

The startup is trying to build a kind of big data database that can be used by the financial services industry to make better business and investment decisions.

48

An enterprise resource planning solution for small businesses that lets them share key financial data with a single dashboard, rather than using different apps on different devices.

48

A financial planning startup looking to help people plan for retirement.

48

A tool to help businesses manage both the financial, and human aspects of their businesses. Businesses can use the tool to manage their customer relationships, manage their revenue, and create and communicate with their teams.

48

This startup is building a financial tool that helps companies manage all of the money they spend on advertising. The startup converts all of that data into digital marketing reports and services.

47

A company that helps people build their own financial plans, and one that helps companies bring in insights from these plans to make management decisions.

46

A financial service for freelancers, contractors and agencies. The service helps freelancers and agencies with payroll.

46

a bank that uses Bitcoin to make it easier for emerging markets to access financial services.

45

 A system that tracks how people spend and save their time, and uses that information to help people quantify and improve their financial well-being.

45

Personal financial management system for businesses that want to understand what their clients’ lives are like, and what products they’re buying, and help them manage their money.

45

 A tool that helps people organize investment accounts in their minds to make better financial decisions.

44

A platform that will allow users to access their credit scores and other financial information, whether or not they’re currently signed up with a bank.

44

A platform for helping customers shop online while managing their financial data

43

A startup that is building a network of independent financial advisors who will work with people to get them the best insurance rates available.

43

A tool that measures a company’s chances of going under based on their current financial situation.

43

A startup that uses artificial intelligence to automate the process of generating a complete financial proposal for a business.

43

This startup is creating a platform for financial markets that can be accessed and used by both startups and big financial firms.

43

A single source of financial records for a company's employees, providing one unified way to view all their financial information and transactions.

42

A startup aimed at the elderly, who are currently excluded from a lot of financial products and services.

42

A platform for international students to find financial aid.

41

A software company that’s helping people organize their finances on their phones. The software was built by the founder of a financial services company that was acquired by VC firm Andreessen Horowitz.

40

A startup that focuses on helping businesses organize their bills, invoices, and other financial paperwork.

40

A tool that puts a financial advisor in your pocket.

40

A startup that helps people get their wages deposited electronically into their bank accounts. They’re using data from the US government’s MyEBT card and are aiming to make getting paid faster and easier for people who are on the edge of the financial system.

39

Another digital banking app for Brazil, offering a new way for micro-businesses to manage their financials.

39

A financial technology company that wants an AI-based product that will help users track their spending and help them avoid financial crime.

39

A startup that aims to create a new type of financial advisor – one that connects you with a financial advisor and a financial product provider that can help you get the best deal possible.

39

A chat bot that helps people find the best financial services for their needs. The startup has been around for a while, and is still selling its services via a web-based chat-based platform.

38

A financial data platform that aims to make it easier for people to apply for credit and loans.

37

An AI-based chatbot that helps you plan your financial goals and track the progress of achieving them.

36

This app helps users find dentists, find the cheapest prices for insurance, and a host of other financial services.

35

A B2B “banking for business” startup that helps clients with business banking needs, including payroll, invoice financing, and other financial services.

34

A blockchain-based insurer that wants to give people a way to “secure financial services” and help them “build better credit and financial lives.”

33

A startup that helps artists understand the financial value of their works, the value of their brand, and how much they should charge for their work.

33

A platform that hooks up investors to teams of entrepreneurs. The startup is trying to build a way for investors and companies to make more financial sense by linking them up.

33

A platform that connects borrowers with financial services and technology to transform the way they borrow and pay. They have a $2.5M seed round and are close to a round of growth.

32

A new kind of digital wallet that helps people plan and track their finances, manage their spending, and get support from their bank. The startup wants to be a “one-stop shop for financial services” that includes a portfolio, banking, investing, and insurance.

32

A financial literacy app for students. The startup is in the final stages of funding and gearing up to release its product.

31

A startup that builds a prediction engine for how different financial instruments will perform. It’s first application is a prediction for bitcoin.

30

Some people like to own a car, which is usually a pretty big financial investment. Zendrive aims to be the Uber of cars, providing a way for people to get around without having to deal with insurance or renting or buying a car.

30

The world of finance is changing dramatically, and there’s a lot of confusion around how new technologies like fintech will impact financial services. Fintech can take the form of apps, startups, and platforms, or it can be composed of a mix of all three. Fintech is a catch-all term that can include everything from cryptocurrencies, to artificial intelligence, to machine learning, and more. Fintech startup solutions help companies navigate these changes.

30

A daily “personal financial guidance” coach for people who are financially illiterate.

30

A cloud-based accounting system (and financial advisor) which works across all sorts of small businesses: doctors, dentists, plumbers, lawyers, etc.

30

A cloud-based ERP that helps shed light on a business’s financials and keep control of its cash flow.

29

A tool that helps consumers create a budget and track their spending. The startup has raised $12 million for its technology thus far, and is looking to pivot into a basic financial management tool as it grows.

29

A financial services company that offers loans to entrepreneurs. It’s a portion of a $1 billion personal loan portfolio.

29

The equity crowdfunding platform for startups, which is working on a financial services platform for small businesses.

29

A tool for people to track and visualize their financial transactions. The startup is building the platform around the idea that people don’t want to track everything, but they want to track their finances.

27

A financial service that helps manage non-bank financial products in Latin America.

27

A French startup that wants to bring a more accessible way to access financial services to the unbanked in developing countries. The startup is building a mobile app that connects to the bank account of the unbanked, and then allows them to make international transfers and even cash out to a local currency.

26

A platform for building apps that can monitor financial transactions and alert users if transactions are fraudulent.

26

A tool to keep track of financial obligations, such as rent or credit cards or student loans.

26

A platform that lets you build a financial plan to get debt repayment, saving, and retirement in the right order.

24

A startup to help people manage their wealth, and provide them with the tools to help them achieve their financial goals.

24

A financial services startup that helps individuals invest in their own retirement accounts.

24

A cloud-based service that provides default financial advice for customers, with an emphasis on helping them manage their money

24

What if the internet let you check on your stocks, find a doctor, and pay your bills The company’s app connects users to the information they need, from financial news to local restaurant reviews. The company has raised $6.4 million in funding.

24

A tool for businesses that want to give employees of their own choosing access to their own company financial records.

21

A startup working to democratize credit in the developing world, creating a new financial product that would give people access to credit in a way they haven’t had before. The company, which was founded in India, wants to make it more affordable for people in the developing world to use and maintain credit.

21

The company’s goal is to simplify the financial management of companies with their SaaS platform.

20

A subscription-based service for managing and sharing your money. The company is building a service for people who want a personalized, financial dashboard, but don’t want to pay the hefty $200 per month that a traditional financial advisor charges.

20

A food delivery platform for small businesses that is focused on reducing the financial burden of running a brick and mortar restaurant. It aims to lower the cost of running a restaurant by providing the owner with the tools to order their own food and have it delivered. The company has raised $10 million in funding.

20

A company that builds a software-as-a-service platform that helps people manage their wealth.They provide a way to create a savings plan that’s customizable based on the user’s specific needs. They also provide a digital portfolio that allows people to manage all of their financial accounts in one place.

19

A startup that’s been using AI to help companies make better financial decisions, allowing them to make “retail-like decisions” that are more targeted and make better predictions.

18

A B2B startup that wants to help banks and other financial services companies automate some of their workflows, so they can focus on products and services.

17

A startup that helps early-stage companies with financial product development.

16

This company is building a way to track the financial life of a real estate property by using machine learning and artificial intelligence to help people decide whether to sell or hold onto a property.

14

A financial app for students that helps colleges accept payments directly from a student’s bank account, instead of charging fees or taking checks.

13

This is a startup that builds financial products for the European travel industry, with a focus on the global student market. It offers a student loan re-finance product in the UK, as well as a personal loans product in the UK, Germany, and Ireland.

12

In the same vein, this company is building an API that will help developers integrate their platforms with other financial services.

11

Idea: A mobile-first consumer financial services company for emerging markets

-1

Idea: A way to help companies and their employees understand what a raise means for them financially, and take the time to ask for one

-1

Idea: A pharmaceutical company that offers financial and marketing help to early-stage startups and researchers

-1

Idea: A software company that’s helping the big four accounting firms and financial services companies cut down on the time it takes to onboard new hires

-1

Idea: A business intelligence platform that allows big companies to keep track of their financial data It’s basically a way to manage multiple data silos in one place

-1

Idea: A startup that wants to connect freelancers with large companies The company says it has a “sizable pipeline” of customers and has already signed up its first paying client, a “large financial services company”

-1

Idea: A tool for financial advisors to help them build stronger relationships with clients. The startup helps advisors keep track of how they’re spending time with clients and helps with communication like text messages and phone calls.

-1

Idea: A startup that’s building a credit card for people with low credit scores, currently working with a data provider to build on top of their database of people who could qualify for the card. The company is looking to build a suite of financial products and services for the people who can’t access them.

-1

The startup wants to help people who have bad credit get a better score by helping them manage their finances and make more informed financial choices.

-1

Idea: A B2B company that helps pull financial data from multiple sources and makes it available inside a CRM-style interface. The founders say they’ve already worked with a few dozen companies.

-1

Idea: A B2B company that helps lawyers, financial advisors, and other financial service professionals market themselves via their social media pages.

-1

Idea: A financial education platform that teaches users about credit cards and loans

-1

Idea: A startup that’s building a service for the Australian market that brings together different automated and intelligent financial advice into a single website.

-1

Idea: A non-profit in Brazil that provides free financial planning to low-income families. The startup works with banks to offer credit to qualifying customers, and works with the family to create a plan for them to pay it back. They already work with 8 banks and offer credit to 300 families.

-1

Idea: A software as a service company that sells an enterprise software platform to manage all of the administrative and financial details of an import/export business. The startup has a special focus on helping small businesses secure loans or payments from a bank.

-1

Idea: This startup is building a tool for people looking to understand their own credit and financial health. The app answers questions like “How much money do I need to retire” and helps them make projections for future expenses.

-1

A software company that helps businesses build and scale their content marketing programs. A financial services company that aims to make trading more accessible for small and medium-sized businesses.

-1

A startup that helps companies manage their books and finances, including keeping track of revenue, expenses, cash flow, and company financials.

-1

 A startup that offers a service to help people who are under financial stress manage their money better

-1

A company that helps people get on the path to financial independence by saving money, cutting costs, and investing. It plans to disrupt the current financial planning industry by offering services at a fraction of the cost of traditional financial planning.

-1

A financial technology company for managing online payments in emerging markets.

-3