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Accend

YC S23

Silicon Valley, US · Founded 2023 · Delaware LLC · 18 employees · Hiring · 9 known investors

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Accend is an AI platform for financial institutions to automate business underwriting, onboarding, and risk assessment. It serves fintech, banks, and payment platforms seeking faster financial analysis and compliance with industry-standard accuracy.

Also known as Accend Technology, Inc. · Accend Technology, Inc

AI & Machine LearningFintechSaaSGenerative AIFinanceAI

Founders & leadership· Y Combinator alumni (S23)

Accend was founded in 2023 by Pranjal Daga, Yutong Pei, and Joseph Zhou.

PDPranjal Daga
Pranjal DagaCo-Founder & CEOHe previously led product for AI initiatives focused on risk management at Brex, and earlier helped establish Cisco Innovation Labs, scaling the team from a single person to 35 members over four years. He did not complete a PhD in AI/ML at Purdue University.
YPYutong Pei
Yutong PeiCo-FounderYutong Pei held engineering leadership roles at Brex on the Fraud Risk team, IoTeX, Uber, and Amazon, with experience in fraud controls and security engineering.
JZ
Joseph ZhouCo-FounderHe previously worked as CFO at a mobile gaming company, where he launched operations in Europe and grew the team to 80 employees.
MFMario F. Spinella
Mario F. SpinellaExecutive
JS
Jeffrey Scott SzorikExecutive

Investors · 9

Adverb Ventureslisted by Adverb VenturesSan Francisco · $500K – $5M

How we know: Adverb Ventures's portfolio page · a partner's Signal profile · Y Combinator's founder network · Not right? Tell us

Y Combinatorlisted by Y CombinatorSan Francisco · $500K

How we know: the Y Combinator directory · open dataset · 5k.vc investor directory · Not right? Tell us

Andreessen HorowitzreportedMenlo Park · $500K – $50M

How we know: Y Combinator's founder network · Not right? Tell us

Formulate VenturesreportedSan Francisco

How we know: Y Combinator's founder network · Not right? Tell us

General CatalystreportedSan Francisco · $30M

How we know: Y Combinator's founder network · Not right? Tell us

Orange CollectivereportedDanville

How we know: Y Combinator's founder network · Not right? Tell us

Sandhill (ex Stonks)reportedSan Francisco

How we know: Y Combinator's founder network · Not right? Tell us

Sequoia CapitalreportedMenlo Park · $100K – $50M

How we know: Y Combinator's founder network · Not right? Tell us

Reported raises · per SEC filings

Form D private placements
▶$3MofferedMar 2016 · Commercial
Rule 506(c)
Officers, directors & promoters on the filing
  • Mario F. SpinellaExecutive Officer
  • Jeffrey Scott SzorikExecutive Officer
Offering amount
$3M
Minimum investment
$50K
Sales commissions
$165K
Placement agents
WealthForge Securities, LLC
Incorporated
Limited Liability Company, Delaware, 2016
Federal exemptions
06c
Full filing on SEC EDGAR ↗

Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.

Related companies · 10

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CorporatefinanceinstituteCorporate Finance Institute offers an online specialization program teaching finance professionals how to integrate environmental, social, and governance (ESG) factors into financial analysis, valuation, and investment decision-making. The program covers ESG frameworks, sustainability integration, greenhouse gas accounting, and climate risk management across eight core courses.
RetapeRetape AI builds an AI-native CRM platform for debt settlement operations that automates repetitive, structured workflows while keeping humans in control of judgment and client relationships. The platform uses AI workers to manage settlement automation, data matching, and operational tasks across multiple systems.
DocsumoDocsumo provides APIs and document processing platform to extract data from unstructured documents across industries including insurance, banking, and logistics. The platform enables businesses to automate document data capture with 90%+ touchless processing capabilities.
MulliganMulligan provides AI automation software for commercial insurance brokers to handle quoting, policy verification, proposals, and related tasks at scale.
BloomaBlooma provides intelligent automation software for commercial real estate (CRE) lending, automating data extraction, borrower profiling, loan scoring, and portfolio monitoring for national and regional banks, community banks, and debt funds.
KenleyKenley builds AI agents for advisory and financial services firms to automate repetitive tasks including proposal drafting, document creation, and analysis. The platform integrates with Microsoft Office applications and is designed for strategy consulting, life sciences advisory, and investment banking.
Ascend IoAscend was a data engineering platform that provided declarative pipeline technology, unified ingest/transform/orchestration capabilities, and agentic data engineering solutions to help data engineers.

Companies working in the same space as Accend.

Legal entities · 1

corporate structure
Accend Technology, Inc.

In the news

Accend For Bankingycombinator.com · Mar 2026Accend 2.0: The Future of Credit Underwritingycombinator.com · Jun 2025Accend - AI Credit Analyst For Business Underwritingycombinator.com · Mar 2025Accend: Accelerate manual reviews for Fintech Ops & Compliance teamsycombinator.com · Aug 2023

Frequently asked questions

What does Accend do?
Accend is an AI platform for financial institutions to automate business underwriting, onboarding, and risk assessment. It serves fintech, banks, and payment platforms seeking faster financial analysis and compliance with industry-standard accuracy.
Who founded Accend?
Accend was founded by Pranjal Daga, Yutong Pei, Joseph Zhou in 2023.
Who are Accend's investors?
Accend's investors include 645 Ventures, Adverb Ventures, Y Combinator, Andreessen Horowitz, Formulate Ventures, General Catalyst, Orange Collective, Sandhill (ex Stonks) and 1 more.
Where is Accend headquartered?
Accend is headquartered in Silicon Valley, US.