Seed Fintech companies in San Francisco

Mayfair helps you keep the cash your business needs for everyday operations and earn up to 5.02% APY on the rest. No maturity dates, lockup periods, or market risk. Plus, get up to $50m in FDIC insurance.*With decades of experience in accounting, finance and tech, Mayfair is the cash management platform trusted by businesses small and large, venture-backed startups, nonprofits, real estate companies, and many others to protect and grow their cash in volatile times.Featured in Reuters, TechCrunch, MarketWatch, Yahoo! Finance, and Nasdaq's TradeTalks. Backed by Tiger Global, Amity Ventures, and BoxGroup. To learn more, visit getmayfair.com.*Customers who wish to opt into the Enhanced Deposit Protection Program must choose an account provided by Third Coast Bank SSB, and will have their funds placed into deposit accounts across a network of FDIC-insured banks for up to the current standard maximum deposit insurance of $250,000 per eligible depositor, per receiving bank, for each ownership capacity or category, including any other balances you may hold at that receiving bank directly or indirectly through other intermediaries, including broker-dealers. Third Coast Bank SSB uses a third-party vendor and agent to help administer this deposit placement process. View the Participating Institution List for a list of the banks and savings associations with which Mayfair and Third Coast Bank SSB have a business relationship for the placement of deposits at receiving banks, and into which your deposits may be placed, subject to the Terms of Service and any opt-outs by Third Coast Bank SSB or you. The current limit for access to FDIC insurance on your funds through your account is $50 million (per depositor per ownership category), subject to change at any time by Mayfair. Terms and restrictions apply.

• Seed
• 322 employees
• Founded 2021

CRS is the independent data infrastructure platform powering modern credit decisioning.We unify credit, identity, fraud, and monitoring data into a single, standardized layer built for regulated environments. By partnering directly with leading credit bureaus and data providers, CRS replaces fragmented vendors, inconsistent formats, and brittle integrations with workflow-ready APIs teams can rely on.CRS supports the full credit lifecycle from lead generation and prequalification to underwriting, monitoring, and data furnishing. We help organizations decide when to use data, not just how to access it. Our platform is designed to reduce engineering overhead, improve risk visibility, and maintain compliance as decisioning evolves.More than 2,000 organizations use CRS to modernize credit operations without sacrificing control, accuracy, or scale.

• Seed
• 304 employees
• Founded 2019

We're building the Unified Managed Account (UMA) for everyone.Today, UMAs (AKA SMAs) are a $3.7 trillion market — but they require $300K minimums, charge 1-3% annual fees, and only hold stocks and bonds. They exist exclusively for the wealthy, managed by human advisors through firms like Edward Jones ($2.2T AUM), Envestnet ($5.4T platform), and Morgan Stanley. Beem flips this. We deliver a Unified Managed Account to 166 million everyday Americans at $0 minimum — holding not just stocks and bonds, but also crypto, stablecoins, future pay, gig income, benefits, and store credit. All assets unified into one spendable balance, optimized by AI instead of a human advisor, and accepted at 900K+ locations and 40 airlines. What Robinhood did for stock trading, Beem does for your entire financial life.Traction: Profitable, 5M+ US customers, 500x LTV/CAC — all organic growth. $100M in network partnerships. Bank distribution reaching 8M fair credit US consumers/month. UMA stack includes: UMA (the account) → UPay (spend from any asset) → USDU (instant stablecoin settlement) → U-ID (zero-fraud biometric identity) and can be embedded in any LLM.

• Seed
• 187 employees
• Founded 2020

Spendbase is built to save you $$$With Spendbase, you can:💳 Manage business spend: Get zero-fee virtual cards, multi-currency accounts, and complete control over team expenses. No more chasing receipts.🤖 Cut AI costs: Access 400+ LLMs through one API and reduce your AI stack costs by up to 65%.📊 Get total visibility: Track your spending without jumping between different tools, providers, and spreadsheets.💰 Make cash flow back to you: Put more cash back into your business with up to 1.25% cashback on transfers.The goal is simple: less money wasted, less time managing expenses, and more cash available for growth.Whether you're scaling your infrastructure, building AI features, or managing spend across teams, Spendbase helps you make every dollar go further.Ready to stop burning cash? Start saving with Spendbase today.

• Seed
• 178 employees
• Founded 2022

SV Angel (SVA) is a San Francisco-based venture fund. Over the last 30 years of investing, our core values of trust, loyalty, and integrity along with our founder-first approach have driven our strategy. We are a service organization, investing in founders who share these values. We support entrepreneurs in building lasting companies by assisting at key inflection points and leveraging our extensive relationship network.

• Seed
• 74 employees
• Founded 2009