Nova Credit
YC S16New York City, US · Founded 2016 · 100 employees · Hiring · 19 known investors
Nova Credit aggregates global credit bureau data, bank transaction data, and payroll information to help lenders assess borrowers and provide fairer access to credit for underserved populations including international newcomers, gig workers, and others traditionally excluded from the financial system. The company serves financial institutions, lenders, and property management platforms with credit reporting, cash flow underwriting, and income verification products.
Data & InfrastructureEnterprise SoftwareFintechData ScienceUnited States of AmericaAmerica / CanadaPartly Remote
Founders & leadership· Y Combinator alumni (S16)
Nova Credit was founded in 2016 by Misha Esipov and Loek Janssen.
ME
LJ
Loek JanssenCofounder30 Under 30 2019
Investors · 19
Kleiner Perkins✓ verifiedMenlo Park · $500K – $15M
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General Catalyst✓ verifiedSan Francisco · $30M
A-Rod CorpMiami
Avid VenturesNew York City · $500K – $8M
Ballistic VenturesSan Francisco · $1M – $5M
Better Tomorrow VenturesSan Francisco · $500K – $4M
Cohen CircleNew York
Geodesic CapitalFoster City
Harmonic Growth PartnersChevy Chase
Human CapitalSan Francisco · $250K – $200M
Index VenturesSan Francisco · $540K – $10.8M
NAventuresToronto
NycaNew York · $2M
Nyca PartnersNew York · $1M – $10M
Sterling RoadSan Francisco · $50K – $150K
XYZ Venture CapitalSan Francisco · $10K – $5M
Y CombinatorSan Francisco · $500K
ZendaMiami · $500K – $1.5M
Canapi VenturesreportedNew York
Funding
SEC filings, press & company announcements$35M disclosed across 1 of 2 rounds · 2025
- $35MSeries DOct 2025 · 2 sourcesSource ↗
Source: company announcements and press reports — follow each round's link for the claim.
The YC application· Summer 2016 batch
Competitors · 7
by search overlapCapital One158 shared keywordsCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.
Chase156 shared keywordsA wealth management and investing service (J.P. Morgan Wealth Management via Chase) offering self-directed brokerage accounts with commission-free online trades as well as one-on-one advisor services, financial planning tools, and retirement accounts. It serves individual retail investors ranging from beginners to experienced investors in the United States.
Experian156 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
Credit Karma118 shared keywordsCredit Karma is an AI-powered personal finance platform that provides free credit scores, credit monitoring, cashflow insights, and financial marketplace services to help consumers understand and manage their finances. The platform serves over 140 million members with tools for credit analysis, tax filing, and financial opportunity identification.
Equifax115 shared keywordsEquifax is a data and analytics company providing consumer credit monitoring, identity theft prevention, and business risk and fraud solutions, as well as employment, income, tax, and payroll verification services for businesses and government entities. It serves consumers, businesses, and governments in the U.S. and internationally with credit and financial decisioning insights.
MoneyLion91 shared keywordsMoneyLion is a financial technology company offering consumer banking products including spend accounts, savings accounts with variable APY, a debit Mastercard with cash back rewards, and a membership plan with added services and insurance benefits. It provides a marketplace connecting users to third-party financial products, with banking services provided by Pathward, National Association.
Zendesk79 shared keywordsThis is Zendesk's internal belonging/diversity and inclusion program page, not a company profile page for an external company. It describes Zendesk's internal culture initiatives and leadership development programs.
Companies competing with Nova Credit for the same Google search keywords, organic and paid, via search-intersection analysis.
In the news
Frequently asked questions
- What does Nova Credit do?
- Nova Credit aggregates global credit bureau data, bank transaction data, and payroll information to help lenders assess borrowers and provide fairer access to credit for underserved populations including international newcomers, gig workers, and others traditionally excluded from the financial system. The company serves financial institutions, lenders, and property management platforms with credit reporting, cash flow underwriting, and income verification products.
- Who founded Nova Credit?
- Nova Credit was founded by Misha Esipov, Loek Janssen in 2016.
- Who are Nova Credit's investors?
- Nova Credit's investors include Kleiner Perkins, General Catalyst, A-Rod Corp, Avid Ventures, Ballistic Ventures, Better Tomorrow Ventures, Cohen Circle, Geodesic Capital and 11 more.
- How much funding has Nova Credit raised?
- Nova Credit has disclosed $35M raised across 1 of its 2 known rounds.
- Where is Nova Credit headquartered?
- Nova Credit is headquartered in New York City, US.