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Stellar Finance

Austin, US · Founded 2021 · 12 employees on LinkedIn · 12 known investors

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StellarFi offers a tiered digital Visa credit card that helps consumers build credit, earn rewards, and unlock higher spending limits over time, with AI-guided tips based on a user's full credit picture. It serves individuals across all credit scores, qualifying them based on income and bank account rather than score alone.

AI & Machine LearningConsumerFintech

Founders & leadership

Stellar Finance was founded in 2021 by Lamine Zarrad.

LZLamine Zarrad
Lamine ZarradFounder and CEOLamine Zarrad is a three-time founder with prior experience as an OCC bank examiner, equity researcher at Tudor Pickering Holt, and investment advisor. He served in the Marine Corps and Army National Guard from 1998 to 2014, including a deployment to Iraq.

Board

CS
Christopher ShonkBoard director
RB
Richard BlankenshipBoard director

Investors · 12

ATX Venture Partnerslisted by ATX Venture PartnersAustin · $250K – $5M

How we know: businessinsider.com · the VCSheet dataset · Not right? Tell us

Evolution Ventureslisted by Evolution VenturesCupertino
FJ Labslisted by FJ LabsNew York · $100K – $3M

How we know: fjlabs.com · Not right? Tell us

Gaingelslisted by GaingelsNew York · $200K – $500K

How we know: funding news · gaingels.com · Not right? Tell us

Hilltop Venture Partnerslisted by Hilltop Venture PartnersSan Diego

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

Interplay Ventures Early Stage Management Llclisted by Interplay Ventures Early Stage Management LlcNew York · $1M

How we know: the VCSheet dataset · Not right? Tell us

Sprint Vclisted by Sprint VcBangalore
Kindergarten Ventures, LlcreportedBurlingame

How we know: funding news · Not right? Tell us

Socially FinancedreportedChatham · $100K – $250K

How we know: funding news · the VCSheet dataset · Not right? Tell us

Trust VenturesreportedAustin

How we know: a partner's Signal profile · businessinsider.com · the VCSheet dataset · Not right? Tell us

Also in the syndicate · 1

Dream Ventures

Funding

SEC filings, press & company announcements

$18.5M disclosed across 2 rounds · 2023–2024

▶$3.5MraisedAug 2024 · 16 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Lamine ZarradExecutive Officer, Director
  • Richard BlankenshipDirector
  • Christopher ShonkDirector
Offering amount
$9.7M
Amount sold
$3.5M
First sale
Aug 2024
Incorporated
Corporation, Delaware, 2021
Federal exemptions
06b
Full filing on SEC EDGAR ↗

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

Related companies · 9

ExperianExperian 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.
ChaseA 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.
Credit KarmaCredit 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.
BeemBeem is a fintech app offering instant cash advances up to $1,000 with no credit checks or income restrictions, personal loans up to $100,000, and AI-powered financial tools for budgeting, price comparison, and job matching. It serves gig workers, freelancers, government benefits recipients, and underserved consumers who lack access to traditional financial services.
Capital OneCapital 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.
DoNotPayDoNotPay uses artificial intelligence to help consumers fight large corporations, appeal disputes like parking tickets and bank fees, cancel unwanted subscriptions, and navigate bureaucratic processes. The platform serves individual consumers seeking to save money, protect privacy, and resolve consumer complaints against businesses and government agencies.
SoFiSoFi Technologies is a digital personal-finance company offering student and personal loans, mortgages, investing, banking and credit cards through one app; it went public on the Nasdaq in 2021 via SPAC.
EmmaEmma is a personal finance management app that aggregates a user's bank accounts and credit cards in one place, offering budgeting, spending analysis, transaction search, and subscription/bill reminders. It supports open banking integrations across many banks and offers a paid Pro/Premium tier with features like custom categories and offline accounts.
American Express SuppliesAmerican Express is a financial services company that provides payment solutions, credit cards, and business services to customers and businesses since 1850.

Companies working in the same space as Stellar Finance.

In the news

Texan FinTech StellarFi nets $15m to improve credit scoresfintech.global · Mar 2023StellarFi lands $15M to help people build credit by paying bills, rent on time | TechCrunchtechcrunch.com · Mar 2023StellarFi Raises $15M in Series A Fundingfinsmes.com · Mar 2023

Frequently asked questions

What does Stellar Finance do?
StellarFi offers a tiered digital Visa credit card that helps consumers build credit, earn rewards, and unlock higher spending limits over time, with AI-guided tips based on a user's full credit picture. It serves individuals across all credit scores, qualifying them based on income and bank account rather than score alone.
Who founded Stellar Finance?
Stellar Finance was founded by Lamine Zarrad in 2021.
Who are Stellar Finance's investors?
Stellar Finance's investors include Acrew Capital, ATX Venture Partners, Evolution Ventures, FJ Labs, Gaingels, Hilltop Venture Partners, Interplay Ventures Early Stage Management Llc, Sprint Vc and 3 more.
How much funding has Stellar Finance raised?
Stellar Finance has disclosed $18.5M raised across 2 rounds.
Where is Stellar Finance headquartered?
Stellar Finance is headquartered in Austin, US.