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Loan Startup Ideas

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A platform for managing micro loans for rural households.

119

This is a startup that aims to help entrepreneurs raise money by turning to friends and family for loans.

111

A mobile payments startup that is focused on India, offering a personal loan service to people without bank accounts.

107

A small business loan for entrepreneurs, with a focus on women

102

This startup tries to make student loans more affordable for students by offering a low-risk version of student loans.

98

A company that aims to use machine learning to help you get the best deal for a car loan.

96

A startup that helps credit unions expand their lending options by lowering the cost and time it takes to get a loan.

96

A platform that allows people who have low credit scores to apply for microloans

96

This startup is building an online and mobile platform to help consumers research credit cards, loans, and credit scores.

95

A microfinance platform for the poor that provides an online finance management system. It helps with credit, savings, loans, and building businesses.

95

This is an application that lets you set up a credit card and apply for a bank loan instantly, within a few minutes of signing up.

94

A micro-loan startup that helps small businesses get loans to cover inventory. The company, which was founded in May, says it has already closed $1.5 million.

93

A financial services startup that offers small business loans.

93

A student loans platform, which has 4 million users

91

A startup that will enable lenders to offer small business loans online.

90

A platform for lenders to offer loans backed by real estate.

90

A student loan refinancing startup.

88

A startup that makes it easy for small businesses to get the financing they need. Pure is a platform that helps businesses build a relationship with banks or credit unions, which can then make lending decisions on behalf of the business without requiring a formal loan.

87

A student loan refinancing platform that allows borrowers to pay off their debt in a number of different ways, including a lump sum or a fixed payment.

87

A startup that helps people in developing countries get micro-loans

86

A funding platform that offers loans to startups

86

The startup uses AI to guide you through the process of buying a home, starting with a base salary and home costs, then dividing up the costs per square foot and getting a personal loan.

86

A startup solving the student loan default crisis by letting borrowers streamline the repayment process.

85

A startup that aims to make a service for college students that helps them find and pay for housing, then pay it off through a loan.

84

A platform that enables people to buy and sell things like furniture, cars, and apartments, and rent out unused rooms. Borrowers can use the platform’s software to manage the loan, and borrowers can access the property remotely. The platform is currently focused on the UK.

84

A digital platform to help consumers compare home loans at a low cost

84

A startup that helps small businesses get a loan at a traditional bank, at a lower rate.

84

A peer-to-peer lending company that focuses on college students. The company says it’s in talks with a few large consumer finance companies and would like to see itself included in student loan refinancing programs. They’re based in Delaware.

84

New startup that aims to take the pain out of student loan payments, using the debt to create scholarships for low-income students.

84

A software-as-a-service platform that helps people easily manage their credit and student loan accounts. The startup is also building a personal finance dashboard.

83

A tool designed to bring transparency to the loan origination process, helping to prevent fraud, identify the best loan products, and save lenders money.

83

Currently focused on the UK, a B2B company that enables people to borrow money from their employer via a payroll deduction. It charges 1% interest for up to 12 months, and the company keeps 2% of the loan amount.

82

A company building software that helps banks manage loans, with a particular focus on reducing the number of payments.

81

A tool for managing student debt, allowing users to “raise the rates they pay on student loan or credit card debt by a percent or more”.

81

This is a non-profit that gives "micro-loans" to entrepreneurs in Laos so they can start businesses. The startup has raised $50,000 in seed funding.

80

A real estate focused business that connects tenants and landlords. The startup is a bit like Rocket Mortgage, a company that helps people with bad credit refinance their home loans — the startup’s focus is more on the landlord side of the equation. The startup charges a monthly fee of $50 for their service.

80

A small business loan, based on factors like location, team, and amount of traffic. It also offers business owner coaching to help them grow their business.

80

Online platform that helps small businesses access business loans and credit cards from local banks. The startup has raised $2 million from a range of investors.

80

This startup is building a platform to make it easier to get access to capital via loans.

79

A web-based P2P lending platform that uses the blockchain to ensure the cashflow of the loan, using AI to predict default rates.

79

This startup is looking to make it easier for the millions of small businesses in the US to get bank loans.

79

A micro lending platform that helps small businesses in India access credit. It doesn’t charge interest, but charges a fee for the loans.

79

A startup that helps farmers and businesses avoid the high cost of getting loans, especially through microfinance.

79

The idea is to make it easier for people to get a loan with a bank account. The startup is looking at offering loan consolidation services.

79

A “Kiva for the world”, allowing investors to crowdfund for loans to entrepreneurs in emerging markets.

78

A software platform that helps small businesses, freelancers, and independent contractors obtain loans and invoice financing. They have a $50,000 seed round with a 4x growth rate since their launch in May 2019.

78

This startup is building a tool for banks to determine whether their customers are likely to pay back their loans.

78

A student loan refinancing service that’s currently focused on the US.

78

This startup has built a startup loan application service that offers loans to small businesses with less than $250,000 in annual revenue.

77

A two-sided marketplace for peer-to-peer loans

76

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.

76

A platform for helping students better understand college loans, with an interactive quiz that helps students create a personalized repayment plan.

76

This is a startup that lets you raise and manage funds for your startup, as well as make personal loans at 0% interest

75

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.

75

They are building a marketplace based on the idea of peer to peer lending, but aimed at small property loans (smaller than $5,000), and aimed at women.

74

A small business loan marketplace for consumers.

74

This startup is building a student loan calculator for borrowers, to help them understand how much they will need to borrow in order to fund their degree.

74

The startup wants to help smaller businesses get a loan through peer-to-peer lending, and has already closed more than $50 million in loans in an eight month period since it launched.

73

A tool for helping people pay off their student loans. The company has already started paying off over $3 million in loans for people who took out their student loans in the 1990s.

73

A digital bank that’s working with farmers and fisherman to get loans

73

A startup using machine learning to predict which loans a prospective buyer would default on the most.

73

A startup to help students get the most relevant and affordable loans from the US government.

72

A startup that wants to help people unload the debt they've accrued from student loans. They are currently working with 3,000 borrowers in the UK and hope to expand to the US in the next 12 months.

71

Using AI to help companies identify and eliminate loan fraud and waste.

70

A Chinese-based startup that’s working on bringing a streamlining to the process of applying for a loan.

68

A startup that compares the costs of different lenders, which is what launched a year ago. The company aims to be a one-stop shop for people looking for loans, saving them time and money.

67

A crowdfunded loans startup that helps credit unions offer small business loans to their members. It partners with Fiserv and its lending platform.

67

A startup based in San Francisco that wants to help people get data on loans.

64

A tool for helping small companies get loans from banks by simply signing a power of attorney. The startup wants to use its existing network of over 1,000 lending partners to make this happen.

64

A startup that is building a platform to help small businesses know the best loan options at the best rates. Part of their pitch is that they’re aiming to help people in emerging markets, where banks are more expensive.

63

A startup that wants to improve the process of lending money to small businesses. The company is a tool used by businesses that make loans to customers.

62

A student loan refinancing startup that helps students pay off their loans before they graduate.

62

A platform that connects lenders to people who have bad credit to pay loans back on time. The company’s cofounder, David Leon, says the company is profitable, has more than $1.3 million in loans, and has been servicing loans for over a year.

61

They’re a blockchain company that uses a smart contract to help companies manage collateral and loan payments.

61

A microfinance company that provides small loans to farmers in India to help them hedge against the possibility that their crops might fail.

61

Disrupting the $1.6 trillion global student loan market as we know it. According to the company, there are currently more than 200,000 different student loans, but very few of them are offered by the same company.

61

Student loans can be expensive, and this startup helps borrowers figure out what their rates are for different banks.

61

A micro-investment product for small investors. The startup has created a platform that allows you to invest in a portfolio of loans rather than a single loan.

60

A fintech startup in the Philadelphia area that has a platform that lets users compare loans to see the best deal

60

A startup that helps students with their college funding by letting them save for it in a way that’s much easier than applying for a loan.

59

The company uses machine learning for risk management, identifying which customers are likely to default on their debt and which loans are more likely to default on their debt.

59

A platform for lending and borrowing money with a goal of reaching 1 million borrowers. Users will be able to search for and compare loans online.

59

A crowdfunding website with a different twist. Currently popular in the UK, the platform allows users to use online loans for funding instead of just credit cards.

58

A search engine for small business loans.

58

A startup that aims to use AI to automate tasks like loan underwriting, automating more human aspects of the process.

57

A startup that offers a student loan refinancing service specifically for those in the public sector.

56

A small loan marketplace that allows anyone to lend and borrow locally, in person, with no credit score required.

56

A startup that makes it easier for people to get loans from a bank by letting them use their savings accounts to finance their loan.

55

A platform that helps people in the US and Canada get a mortgage loan from overseas

55

A platform that helps you get the best rates on your loans, or credit cards.

55

A chatbot that helps users of AIG’s personal loan calculator get the most out of their loans.

54

A loan application platform that uses machine learning algorithms to identify fraudulent loan applications and offers discounted rates to borrowers.

52

Everyone has a friend or acquaintance that they’d like to loan money to, but they have no way to do so. MoneyBroker does just that, pairing people with other people in need of cash with those who have funds to give. The startup has already raised $2.5 million and is currently on-boarding more than 2,000 users a month.

51

 A way to streamline the process of getting a loan for a startup (or other company in need of financing). The company provides a marketplace for financing and a loan application, with providers ranging from big banks to crowdlending sites. They’re currently in the process of raising Series A funding.

50

A tool to help marginalized communities access loans.

48

A startup for managing and comparing all of your home loans, credit cards, car loans, and other loans.

48

A startup that makes it easier for small businesses to get loans from lenders. The company has raised $2.5 million from investors like KKR and Google Ventures.

47

A technology company that creates “smart” thermostats for home and business use, allowing homeowners to control their thermostats via their smartphone. The company is led by CEO and founder Rajat Pahuja, who previously built a business in India called Shubh Loans that went “very profitable,” according to Pahuja.

47

A consumer loan app for the unbanked. The startup aims to scale its startup base, paying them to lend to unbanked consumers.

47

A company that uses Artificial Intelligence to help banks and credit unions make loan decisions, with a focus on fintech and small business.

45

A peer-to-peer lending platform where people can loan money to one another. The startup is currently working on a separate peer-to-peer loan product.

45

A tool that helps people find the best loan for their needs. It can also help them find the best person to apply the loan to.

45

An online lending platform that provides loans to local businesses. The startup says they have “tripled their revenue as we scale to help more businesses grow.”

45

This startup wants to combine the functions of an insurance broker, a credit broker, and a loan officer into one company.

43

A tool that helps you manage your courses and courses of study, along with the borrowing and loan information for each. It’s currently available on the web, but will be coming to iOS and Android.

43

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

43

A startup for personal loans. The company’s platform uses data to make better lending decisions.

42

Small business loans in the US from $2,000 to $100,000.

42

A digital lending platform that helps people with bad credit get loans for things like cars and appliances. They currently have over $100million in loans in the pipeline and a few hundred customers.

41

The startup’s platform aims to help people mitigate the risk of receiving bad credit and loans. It has already secured $5 million in funding.

41

A SMB-focused marketplace for small business loans, which has already closed $20M in loans and has more than 10,000 users.

41

A tool to help people get mortgages, which combines the small business loan market with the personalized loan market. It’s currently in private beta.

41

A mobile money platform for emerging markets, where the company says it has already made $1 billion in loans to over 20 million customers.

40

A consumer service that helps consumers collect on credit card debt from their personal loans.

40

A company that provides a free loan to borrowers who have already been denied one from other banks.

40

A company that helps people get a loan based on the value of their business. The company is currently working with seven small businesses in the UK.

40

A personal financing tool that helps consumers save for retirement, borrow against their homes, refinance student loans, and reduce debt.

40

A Y Combinator company that wants to help students apply for loans and scholarships, helping them create a portfolio of their work.

39

A digital bank account for Indian startups and SMBs looking to get a loan from non-banks.

39

A startup that helps people find and purchase loans and lines of credit for a variety of purposes.

39

Building a mortgage application and loan application that takes traditional paperwork out of the equation and runs it through an AI engine.

38

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

38

A platform that helps people with small car loans get lower interest rates

37

A tool that makes it easy for a company to secure loans from a variety of lenders.

37

An AI-powered chatbot that helps you negotiate the best deal on a car loan.

36

A solution for loans that are backed by corporate stocks, allowing their holders to be traded like stocks.

35

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

35

 A startup that is building a platform that helps people find and manage small or large business loans in real time.

34

A platform for selling and buying your car or truck, financed with a monthly payment. The startup sold its first loan in May with former GM executive, Mark St. Pierre, leading the company.

34

A new type of loan broker, that uses data science to help banks make better loans

33

A software company that aims to provide a suite of tools to help people avoid missing payments. It handles a lot of the back end for consumer finance companies, including student loans and credit cards.

32

Video-based system that allows customers to manage their own unsecured loans online.

32

A student loan refinance platform. The company is looking to partner up with large banks to refinance student loans.

30

A startup that helps you get a loan and pay it back in monthly installments using a credit score.

29

A platform for those looking to get a loan for their business.

28

A business that seeks to create the next generation of data reporting for agencies, which are tasked with crunching the numbers on everything from city budgets to loan applications.

27

A new way to sell and manage mortgage loans. The company wants to disrupt the industry by using artificial intelligence to manage home loans and lower cost by removing the middleman.

26

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.

25

A tool that helps you find the best deals on credit cards, bank loans, and insurance, using your personal data to optimize your decision making.

25

This startup helps credit unions find and offer loan products for low-income borrowers.

25

A cloud-based database of student loan debt for people to search, with a sign-up required to see data. The company also has a personal debt management product.

25

A startup that helps loan officers manage loan applications and serves as a hub

25

A small business lending platform that takes a portion of the income of the borrower and invests it in loans to other small businesses.

24

A student loan refinancing company that helps borrowers get out of student debt by consolidating all their loans into one. It aims to make this process as simple as possible by allowing borrowers to make payments via their credit cards.

23

They’re building an app for crowdfunding microloans to SMEs in India.

23

A finance startup with a focus on microloans. It wants to connect the world to tiny credit that they can use to make small purchases like groceries or pay small bills.

22

A startup that wants to build a social credit system in China. They say that if you’re the type of person who might not be able to get a loan in China — like someone living in a rural village — then your credit score will be pretty low. The startup wants to build an online platform to expand the reach of credit scores to everyone.

21

A more personal way to pay back student loans. The startup helps students manage their debt by putting on an income-based repayment plan. It’s a platform for students to create a customized plan and manage their debt.

20

A startup that helps users find the best rates on credit cards, loans, and insurance. They also provide tools to help people understand their credit score, get a financial plan, and get access to the best rates. The company is currently having trouble funding their expansion, but they are continuing to get new customers.

18

A startup that wants to help people manage their student loan debt. The company takes a subscription model that pays off the loan over time.

17

A platform for selling and buying fixed-rate loans. The company is developed by former Citi, UBS, KKR and S&P executives.

16

A self-service platform for managing your student loan.

16

Based on the startup’s founder’s work at Kiva, a nonprofit that helps people in poverty create micro loans, the startup wants to expand its service to provide people in the US loans at a lower cost. It currently serves small businesses in 30 US cities.

16

A web-based platform that allows people to setup peer-to-peer loans. The application is open to all ages and income levels.

16

The startup is an online tool for getting and processing student loan payments.

16

A web-based platform to manage home loans and their property taxes. The company is currently in beta and has raised $185,000.

16

A startup that helps to build smart contracts for businesses that need to manage foreign exchange, loans, investment, etc.

15

The startup is building a way for consumers to check their credit scores on their phones, so they can see what if they were to refinance a mortgage, apply for a credit card, or shop for a new loan.

14

A platform that helps people with no access to banking services, get small business loans and savings accounts. They’re a nonprofit and are building a platform to help people build their own financial products and have it administered by a bank, thus making it more accessible.

14

A student loan management app, designed to make the process of paying off student loans simpler.

14

Microcredit company. They are providing micro-loans to low-income earners in developing countries.

14

A financial services company that provides loan payments and collection services. The startup is now profitable and has a $4.5 million valuation.

13

This startup is building a system that lets you use your phone to manage your personal finances, including your credit card, loan, loan repayment, and savings.

13

A crowdfunding platform for people who have been denied loans from banks.

12

The app allows people to pay off their student loans with a 25% monthly discount, which they say can be used for a wide range of things.

11

A technology that helps lower-income people from taking out loans to pay for college

10

LendingClub is a peer-to-peer (P2P) lending company that aims to cut out the middleman lending market by allowing borrowers to connect with each other directly. The company’s P2P model is based on an algorithm designed to match borrowers with lenders. P2P loans were responsible for $2.7 billion in loans in 2017.

10

A company that allows users to manage their finances from a single interface, by securely storing all of their bank, credit card, and loan accounts.

9

Borrower.io is a platform for lenders to manage their loan portfolios, helping them get a better understanding of their loan data and the performance of their loans.

8

A company that helps get you a loan from a bank or credit union. The startup uses a crowdsourced approach to identify customers who are in need of a loan, and then gets them in touch with a lender.

8

A platform for the “unbanked” in developing economies, this startup is building software to allow people to get loans and make payments without using traditional banks.

8

A peer-to-peer marketplace to help people find loans from each other. The company is looking to partner with local banks in India to help bring the startup to market.

8

A startup that wants to build a network of lenders who offer small business loans in exchange for a small percentage of the loan.

8

A startup that wants to make it easier for small businesses to get loans. They say it’s easier to get a loan for a small business than getting a loan for a large one.

7

The startup aims to be a peer-to-peer marketplace for student loans, to help students avoid high interest rates by borrowing from other students.

7

A platform for micro-loans that don’t require collateral.

6

A startup that helps you reduce the risk of taking out a loan to finance your business.

6

A small-business loan platform that provides funding for community banks.

6

Micro-loans for the unbanked, with a minimum term of 9 months, a maximum term of 20 years, and a minimum interest rate of 2%. The goal is to offer a lifeline for the unbanked, who often have a hard time obtaining a traditional bank account.

4

A micro-finance company that provides loans to entrepreneurs in rural India.

0

Idea: Sofi is a lending program for student loans They say they can get a loan to anyone in 6 minutes, and don’t charge a processing fee The company is currently lending $3,000 loans (via a credit line) to students

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Idea: The easiest way to get a business loan

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Idea: A startup that helps people with bad credit get loans It finds loans for customers, and takes a 10% commission from the borrower

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Idea: A platform that helps people start a business and access funding (either from investors or through a loan program)

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Idea: A startup that is working with a major South American bank to help them build a platform for managing their B2B loan portfolio

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Idea: A SaaS for student loans that helps borrowers keep track of their loans and what they’re paying, as well as offers advice.

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Idea: A new twist on insurance for freelancers. The startup is a high-deductible plan with a really low premium — that also includes a loan component. The startup says it’s looking to compete with a 1500% APR loan and offer a 1% interest loan.

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Idea: This startup is building an app to help small to mid-sized business in China apply for and receive loans from banks.

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

-1

Idea: A startup that helps people living in countries with low credit scores get loans. The company claims to have an 80% approval rate for people with FICO scores under 550.

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Idea: A fintech startup that provides consumer loans in the Philippines to customers who don’t have many credit options.

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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.

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Idea: A micro-financing company that provides small loans directly to merchants in Kenya. It aims to bring a better online experience to the underbanked.

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