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Ralo

YC X25

New York City, US · Founded 2025 · 2 employees · Hiring · 15 known investors

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Ralo is an AI-powered mortgage platform that uses machine learning to automate loan processing tasks traditionally performed by multiple intermediaries, enabling lower rates and faster closings for borrowers. The company targets consumers seeking mortgages and aims to reduce hidden fees and overhead costs in the lending process.

Also known as Approval Al, Corporation · Approval AI

AI & Machine LearningFintechConsumer FinanceAIUnited States of AmericaAmerica / Canada

Founders & leadership· Y Combinator alumni (X25)

Ralo was founded in 2025 by Arjun Lalwani and Helly Shah.

ALArjun Lalwani
Arjun LalwaniCo-Founder & CEOHe previously worked as a Product Manager at Google, where he contributed to Hotels and YouTube Shopping initiatives, and holds a computer science degree from the University of Washington.
HSHelly Shah
Helly ShahCo-Founder & CTOShe previously led design and product work at Google Maps serving over a billion users, and built real-time trading systems at Goldman Sachs. She grew up in a family involved in real estate development across India and the United States.

Investors · 15

Y Combinatorlisted by Y CombinatorSan Francisco · $500K

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

Agrolimen Venturesreported

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

Andreessen HorowitzreportedMenlo Park · $500K – $50M

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

Blast.Clubreported$5.5M

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Chile VenturesreportedSantiago · $50K – $1M

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

Exit Venturesreported

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Kleiner PerkinsreportedMenlo Park · $500K – $15M

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

Manresa VenturesreportedSan Francisco · $500K – $3M

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

Matador Fundreported

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Network VCreportedMenlo Park

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

Pack VenturesreportedSeattle

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

Summit PartnersreportedBoston · $10M – $500M

How we know: press coverage · Not right? Tell us

Velocity Fundreported

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

Funding

SEC filings, press & company announcements

$2.9M disclosed across 1 of 2 rounds · 2026

Source: company announcements and press reports — follow each round's link for the claim.

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Companies working in the same space as Ralo.

Legal entities · 1

corporate structure
Approval Al, Corporation

In the news

Ralo Secures $2.9M Seedtrysignalbase.com · Jun 2026Ralo Raises $2.9M Seedthesaasnews.com · Jun 2026Ralo Raises $2.9M in Seed Fundingfinsmes.com · Jun 2026Ralo - Find Your Best Mortgage Deal 🏡ycombinator.com · May 2025Ralo Funding | Complete Analysis | Extruct AIextruct.ai

Frequently asked questions

What does Ralo do?
Ralo is an AI-powered mortgage platform that uses machine learning to automate loan processing tasks traditionally performed by multiple intermediaries, enabling lower rates and faster closings for borrowers. The company targets consumers seeking mortgages and aims to reduce hidden fees and overhead costs in the lending process.
Who founded Ralo?
Ralo was founded by Arjun Lalwani, Helly Shah in 2025.
Who are Ralo's investors?
Ralo's investors include Pioneer, Y Combinator, Agrolimen Ventures, Andreessen Horowitz, Blast.Club, Chile Ventures, Exit Ventures, Kleiner Perkins and 7 more.
How much funding has Ralo raised?
Ralo has disclosed $2.9M raised across 1 of its 2 known rounds.
Where is Ralo headquartered?
Ralo is headquartered in New York City, US.