Finley

Finley Technologies, Inc. is a San Francisco-based financial software company whose platform digitizes and automates debt capital raising, loan servicing, and portfolio monitoring. The software converts lengthy credit agreements into structured, machine-readable data — the company states that more than 200 credit agreement fields are digitized, stored, and managed in the platform — so that borrowers and lenders can automate due diligence, funding requests, covenant and compliance tracking, and ongoing reporting. Product areas listed by the company include loan servicing, portfolio analytics, syndicated loans, credit administration, and an AI feature set marketed as Finley AI.

The company positions two main offerings: Finley for Credit Funds, which lets funds outsource loan administration while retaining oversight and covers KYC, money movement, and notice delivery; and Finley for Banks, which provides servicing software with configurable notices and accruals for commercial and syndicated loan types and is described as agnostic to core, general ledger, and sub-ledger systems. Following its 2026 combination with Concord, a credit administration firm, Finley added backup servicing, independent verification, borrowing base validation, collateral management, and fund administration services, serving originators, lenders, and institutional investors across consumer and commercial credit.

Founding story

Jeremy Tsui, previously in debt capital at Goldman Sachs, observed that private credit was filling the gap left by banks reducing corporate lending while borrowers struggled to interpret hundreds of pages of loan agreements. In 2020 he founded Finley with his brother Josiah Tsui (previously at Ironclad and Palantir) and friend Kevin Suh (previously first engineer at Nova Credit) to turn those documents into software-managed data. The company launched out of Y Combinator's Winter 2021 batch.

Business model

Finley sells software, and following the Concord combination also outsourced services, to banks, credit funds, and corporate borrowers that manage debt capital facilities. The platform is delivered as a demo-led enterprise offering (customers request a walkthrough and sign in to a hosted product), supplemented by expert loan administration and credit administration services such as backup servicing, verification, borrowing base validation, collateral management, and fund administration.

Sources do not disclose pricing or contract structure; the company reported to TechCrunch that it grew revenue five times in the year prior to its Series A but declined to disclose revenue figures.

Traction

Finley reports 36 full-time team members in the United States (Y Combinator lists a team size of 32); headcount was 18 in early 2023. The company says it has managed billions of dollars of debt capital across dozens of customer engagements, cited a 90% improvement in funding request efficiency in asset-backed lending, and reported 5x revenue growth in the year before its Series A. Named customers include Valley Bank, Parafin, Ramp, Arc, and Navan (TripActions), whose $300 million Goldman Sachs credit facility is managed on the platform.

Latest developments

On March 3, 2026, Finley announced that it now offers backup servicing, verification, and credit administration services. This followed its 2026 combination with Concord, which expanded the platform to include backup servicing, independent verification, borrowing base validation, collateral management, and fund administration.