14 Innovative NYC Fintech Startups 2024

New York skyscrapers.

Like most modern industries, technology has become the backbone of the financial industry. Today, there are plenty of exciting fintech companies that are revolutionizing the financial industry — including a large number of tech companies based out of New York City. 

This article will explore some of the top NYC fintech startups today and why these companies are attracting so much attention. 

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Top New York Fintech Startups

Every year, new startups pull to the forefront of their industry through exciting innovation, tech, and industry-disrupting business models. We’ve rounded up the best NYC fintech startups of 2024 that startup lovers, investors, and aspiring entrepreneurs should follow. 

Disclaimer: With so many exciting fintech startups in New York launching and growing, we aren’t able to cover them all. Furthermore, the startups that are listed below are not officially ranked and are listed in no particular order.

1. Lili

  • Founders: Lilac Bar David, Liran Zelkha
  • Founded In: 2018
  • Funding: $80 Million
  • Investors Include: Group 11, Foundation Capital 

Built for independent professionals (such as freelancers and small business owners) who manage their own finances, neobank Lili offers a mobile app that helps self-employed workers stay on top of their various accounting requirements. From faster access to online funds to tax preparation, Lili provides everything these independent professionals need to manage their finances properly.

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC.

2. Capchase

  • Founders: Ignacio Moreno Pubul, Luis Basagoiti Marqués, Miguel Fernandez, Przemek Gotfryd
  • Founded In: 2020
  • Funding: $949.6 Million
  • Investors Include: Caffeinated Capital, Bling Capital

Capchase is an exciting fintech startup helping other startups secure non-dilutive capital through recurring revenue financing. By providing flexible cash flow to high-growth companies, Capchase allows founders to take control of their fundraising timeline. With its innovative tech-enabled financing model, Capchase is empowering the next generation of entrepreneurs to scale their vision. 

3. Clear Street

  • Founders: Chris Pento, Sachin Kumar, Uriel Cohen
  • Founded In: 2018
  • Funding: $605 Million
  • Investors Include: Prysm Capital, Alastair Trueger

Online trading platforms have made investing more accessible than ever before. Founded in 2018, Clear Street is a relatively new trading platform but one that has generated a lot of buzz thanks to the quality of its services and its cloud-native, prime brokerage platform. 

4. NYDIG

  • Founders: Robert Gutmann, Ross Stevens
  • Founded In: 2017
  • Funding: $1.4 Billion
  • Investors Include: Argo Blockchain, Iris Energy 

There are a lot of cryptocurrencies that have popped up in recent years, but Bitcoin is still the king. NYDIG is an end-to-end financial services platform that focuses solely on Bitcoin transactions, providing brokerage services, mining services, and asset management services. 

5. January

  • Founders: Jake Cahan
  • Founded In: 2016
  • Funding: $10 Million 
  • Investors Include: Third Prime, Brewer Lane Ventures 

The debt collection industry is one that’s often plagued by fraud and harassment. January is a fintech startup attempting to fix this by changing how creditors collect debts. By working with borrowers and creditors alike to reach a data-driven, mutually-beneficial resolution, January makes debt collection more secure, transparent, and hassle-free. 

6. Attune

  • Founders: James Hobson
  • Founded In: 2016
  • Funding: Unknown
  • Investors Include: Unknown 

Securing insurance as a small business owner is often a tedious, confusing, and time-consuming process. With Attune, though, small business owners are able to get insured in a matter of minutes just by answering a few simple questions. 

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7. Landis

  • Founders: Cyril Berdugo, Tom Petit
  • Founded In: 2018
  • Funding: $222 Million
  • Investors Include: Sequoia Capital, Will Smith 

Landis helps renters become homeowners by streamlining the transition from rental payments to mortgage payments. After purchasing property as an intermediary party, Landis rents it out to the customer for a period of one year, with a portion of rental payments acting as a down payment on the property should they choose to purchase it within that period. 

8. Teampay

  • Founders: Andrew Hoag
  • Founded In: 2016
  • Funding: $79.8 Million
  • Investors Include: Sand Hill Angels, Fin Capital 

Teampay is a spend management tool for finance teams within high-growth companies to streamline the purchasing process and manage employee spend easily. The startup is designed to seamlessly flow from request to report and offer an intuitive user interface that lets employees get up to speed quickly. 

Listen to our interview with the founder of Teampay below!

9. Petal

  • Founders: Andrew Endicott, David Ehrich, Jack Arenas, Jason Gross
  • Founded In: 2016
  • Funding: $704.6 Million
  • Investors Include: Valar Ventures, Volery Capital Partners 

Petal is an innovative credit card company that uses machine learning to analyze a customer's full digital financial record instead of just their credit score alone. This allows Petal to offer higher limits to first-time credit users and those without traditional credit scores.

10. DailyPay

  • Founders: Jason Lee, Robert Law
  • Founded In: 2015
  • Funding: $1.1 Billion
  • Investors Include: Barclays Corporate Banking, Carrick Capital Partners

For low-wage employees who live paycheck to paycheck, the timing of when those paychecks are available can be a big concern. DailyPay helps eliminate this issue by integrating with payroll and time management systems to provide employees with on-demand access to their earned wages. 

11. Zip

  • Founders: Brad Lindenberg, Larry Diamond, Niamh Mc Enaney, Peter Gray
  • Founded In: 2013
  • Funding: $893.6 Million
  • Investors Include: Victory Park Capital, Westpac

Zip, previously QuadPay, provides ecommerce shoppers with the option to buy now and pay later via an installment plan that splits a product's price into four interest-free payments. This allows consumers to more easily purchase the products they want and allows ecommerce stores to expand their customer base.

12. Koyfin

  • Founders: Rich Meatto, Rob Koyfman
  • Founded In: 2016
  • Funding: $3 Million
  • Investors Include: FinTech Sandbox, Craft Ventures 

The world's top investors utilize a wealth of advanced research tools to find promising investment opportunities. To help level the playing field, Koyfin makes these sophisticated investment tools more accessible and affordable to the average investor. 

13. IFundWomen

  • Founders: Karen Cahn
  • Founded In: 2016
  • Funding: $2.4 Million
  • Investors Include: Daniel Schulman, Oceans

Only 22.4% of small business owners in the United States are women. IFundWomen is a startup that is striving to empower more female entrepreneurs by connecting them with resources and investors. 

14. Status Money

  • Founders: Korash Hernandez, Majd Maksad
  • Founded In: 2016
  • Funding: $13.4 Million
  • Investors Include: SixThirty, Altpoint Ventures 

Marketed as the world's first social app for finance, Status Money is an innovative fintech company that lets users compare their finances and seek advice from their peers. The platform also offers cash and crypto rewards to users who engage with targeted offers and has recently introduced its own suite of financial services. 

Recommended: Check out our full list of the top startups to watch!

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