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Finosu

YC S24

New York City, US · Founded 2024 · 7 employees · Hiring · 8 known investors

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Finosu provides a cloud-based loan servicing platform that manages borrower communications (voice, text, email, chat), payment processing, and compliance workflows for consumer lenders. The platform serves originators of personal installment loans, lines of credit, BNPL, credit cards, and lease-to-own products.

Also known as Cedar Star

Enterprise SoftwareFintechSaaSB2BLendingConsumer FinanceUnited States of AmericaAmerica / Canada

Founders & leadership· Y Combinator alumni (S24)

Finosu was founded in 2024 by Mark Ricciardi and Gabriel Vincent Kho.

MRMark Ricciardi
Mark RicciardiCo-FounderMark Ricciardi has worked in finance as a special situations private credit investor before transitioning to tech to develop productized credit instruments at Finosu.
GVGabriel Vincent Kho
Gabriel Vincent KhoCo-FounderGabriel Vincent Kho studied at Stanford and previously worked at Flexport as an AI consultant. He is now building a startup focused on addressing issues in the credit sector based on his experience at Alt.

Investors · 8

BY Venture Partnerslisted by BY Venture PartnersSt Helier · $100K – $1M

How we know: BY Venture Partners's portfolio page · Not right? Tell us

Coalition Operatorslisted by Coalition OperatorsDover · $500K

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

Soma Capitallisted by Soma CapitalSacramento · $100K – $300K

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

Transpose Platform Managementlisted by Transpose Platform ManagementSan Francisco

How we know: Transpose Platform Management's portfolio page · 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

Palm Drive CapitalreportedNew York · $500K – $5M

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

Southern EquityreportedSt. Thomas

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

Related companies · 4

YenmoYenmo provides affordable lending products designed to promote healthy financial behavior and customer satisfaction. The company targets borrowers in India seeking alternatives to high-interest-rate loans.
Express BuildingExpress Building arranges financing solutions for real estate developers to build homes for Filipino homebuyers. The company operates in the residential property development financing sector in the Philippines.
StiltA financial technology platform that provides APIs for launching credit products, handling regulatory compliance, underwriting, loan servicing, credit reporting, and debt capital sourcing.
Pantore PayPantore Pay offers working capital credit to Brazilian businesses, enabling them to pay suppliers and manage cash flow with weekly repayment terms. The platform provides flexible credit lines that grow based on payment history, accessible through a mobile app.

Companies working in the same space as Finosu.

Legal entities · 1

corporate structure
Finosu, Inc.

In the news

Finosu Funding | Complete Analysis | Extruct AIextruct.ai · Sep 2024Finosu: Automated compliance for consumer lendingycombinator.com · Aug 2024

Frequently asked questions

What does Finosu do?
Finosu provides a cloud-based loan servicing platform that manages borrower communications (voice, text, email, chat), payment processing, and compliance workflows for consumer lenders. The platform serves originators of personal installment loans, lines of credit, BNPL, credit cards, and lease-to-own products.
Who founded Finosu?
Finosu was founded by Mark Ricciardi, Gabriel Vincent Kho in 2024.
Who are Finosu's investors?
Finosu's investors include Bling Capital, BY Venture Partners, Coalition Operators, Soma Capital, Transpose Platform Management, Y Combinator, Palm Drive Capital, Southern Equity.
Where is Finosu headquartered?
Finosu is headquartered in New York City, US.