The Fintech Index
183 companies rated 5 sectors 38 reports Last updated Nov 13, 2026
LND

Top-rated lending and credit infrastructure companies, 2026

All 38 lending and credit infrastructure companies we rate, by our rating out of 100. Ties share a rank and appear in A-Z order.

38 companiesLast updated Nov 13, 2026How we rateSector page

Rating80 and up75 to 7970 to 74under 70
Criteria85+80s75 to 7970 to 7465 to 69under 65
  1. 1

    Zopa

    LendingFor consumersHolds client money
    80/100
    8282807682827678

    Built for: UK borrowers and savers who want loans, credit cards, savings, and a current account from one licensed digital bank.

  2. 2

    Beforepay

    LendingFor consumersPublic company
    79/100
    8286747280848878

    Built for: Australian employees who want a pay advance or related personal credit through an app.

  3. 2

    Funding Circle

    LendingFor businessesPublic company
    79/100
    8286786882808274

    Built for: UK limited companies that want a fast term loan, a line of credit for suppliers, or a business card from one lender.

  4. 4

    Nortridge

    For banksFor businessesLending
    78/100
    7276847678808474

    Built for: Lenders and servicers with complex portfolios that want deep servicing and posted prices.

  5. 4

    Nova Credit

    LendingFor businessesFor banks
    78/100
    8684808284765874

    Built for: Lenders and housing operators that need cashflow, cross-border credit, or income data beyond a single bureau file.

  6. 4

    Taktile

    LendingFor businessesFor banks
    78/100
    8682848088745672

    Built for: Banks, fintechs, and insurers that want risk teams to build and govern automated decision workflows.

  7. 7

    Pave

    LendingFor businesses
    77/100
    8882807886745872

    Built for: Consumer and SMB lenders that want cashflow scores to expand approvals and monitor risk after origination.

  8. 7

    TIMVERO

    For banksLending
    77/100
    8076748080728270

    Built for: Banks and specialty lenders that want a configurable lending core with posted prices.

  9. 9

    Abound

    LendingFor consumersFor banks
    76/100
    8276787480727072

    Built for: UK borrowers with steady income but thin credit files, and lenders that want open-banking underwriting.

  10. 9

    Blend

    Public companyLendingFor banks
    76/100
    8874887678785864

    Built for: Mortgage lenders, banks and credit unions that want digital applications and closings for mortgages, consumer loans and home equity.

  11. 9

    Lendsqr

    For businessesLending
    76/100
    7480727672748674

    Built for: Small lenders and microfinance institutions that want a low-cost cloud lending stack.

  12. 9

    Provenir

    LendingFor banks
    76/100
    7092848484825062

    Built for: Banks and specialty lenders whose risk teams want to control credit and fraud strategy in a configurable decision engine without replacing their origination system.

  13. 9

    YouLend

    LendingFor businesses
    76/100
    8286788282785664

    Built for: Payments companies, marketplaces, and software platforms that want to offer merchant funding under their own brand.

  14. 14

    Kriya

    LendingPaymentsFor businesses
    75/100
    8080748276746270

    Built for: UK B2B sellers, wholesalers and marketplaces offering payment terms to business buyers.

  15. 14

    Ocrolus

    LendingFor businesses
    75/100
    8474808280745272

    Built for: Lenders that underwrite from bank statements, pay stubs, and tax documents.

  16. 14

    Pipe

    LendingFor businesses
    75/100
    8480767878745872

    Built for: Software platforms that want to embed working capital offers for small business customers.

  17. 14

    Zest AI

    LendingFor banks
    75/100
    6690788482845062

    Built for: Credit unions and banks seeking to automate additional consumer credit decisions using custom AI models inside a loan system they currently run.

  18. 18

    Butn

    LendingFor businessesPublic company
    74/100
    7882688076788472

    Built for: Australian SMEs seeking invoice and trade pay-later working capital.

  19. 18

    Capchase

    LendingFor businesses
    74/100
    7884747278746070

    Built for: Software and hardware vendors that want to offer business buyers payment terms while getting paid upfront.

  20. 18

    Dave

    LendingFor consumersPublic company
    74/100
    8084766878727066

    Built for: US workers who want cash advances of up to $500 without a credit check, plus a checking account.

  21. 18

    Liberis

    LendingFor businesses
    74/100
    7880748078726268

    Built for: Payment companies and software platforms that want to offer funding to their merchants under their own brand.

  22. 18

    LoanPro

    LendingFor banks
    74/100
    7080848284705072

    Built for: Lenders and card issuers that want an API-first servicing core with payments built in.

  23. 18

    Parafin

    LendingFor businesses
    74/100
    8480727484806060

    Built for: Platforms and payment processors that serve small businesses in the United States or Canada and want a branded financing program, without running underwriting or funding on their own.

  24. 18

    TurnKey Lender

    For banksFor businessesLending
    74/100
    8278807680745866

    Built for: Banks and non-bank lenders that want the full loan lifecycle on one cloud platform with built-in scoring.

  25. 25

    Earlypay

    LendingFor businessesPublic company
    73/100
    8076727078745870

    Built for: Australian SMEs that invoice other businesses and want invoice or equipment finance.

  26. 25

    EarnIn

    LendingFor consumers
    73/100
    8078746676727268

    Built for: US workers with a regular paycheck who want earned pay before payday with no interest or mandatory fee.

  27. 25

    HES FinTech

    For banksLending
    73/100
    8078787276745766

    Built for: Banks and alternative lenders that want a packaged lending platform with AI scoring.

  28. 25

    Lendflow

    For businessesLending
    73/100
    7484648078726366

    Built for: Software platforms and lenders that want embedded small business credit through one network.

  29. 25

    Lentra

    For banksLending
    73/100
    8284747680725462

    Built for: Large Indian banks and finance companies that want fast, high-volume digital lending.

  30. 25

    Uncapped

    LendingFor businesses
    73/100
    7680707270747470

    Built for: Ecommerce brands and Amazon sellers with steady online sales that need funding for stock or marketing.

  31. 31

    Capify

    LendingFor businesses
    72/100
    7482726270787666

    Built for: UK or Australian SMEs that want short-term working capital, including merchant cash advances repaid from card sales.

  32. 31

    Casca

    For banksLending
    72/100
    8284607880745464

    Built for: Banks and SBA lenders that want AI to handle small business loan applications.

  33. 31

    Creditspring

    LendingFor consumers
    72/100
    7470725870748276

    Built for: UK borrowers with thin credit files who want a small loan twice a year at a fixed, known cost.

  34. 34

    Canopy

    For businessesLending
    71/100
    6676748276725666

    Built for: Business and embedded lenders that want an API servicing core with flexible product rules.

  35. 34

    defi SOLUTIONS

    For banksLending
    71/100
    7876807276725462

    Built for: Auto lenders, banks, and credit unions that want origination, servicing, and outsourced servicing.

  36. 34

    ScotPac

    LendingFor businesses
    71/100
    8278787078725060

    Built for: Established businesses that sell on credit to other businesses and want a larger invoice-finance facility with a relationship manager.

  37. 37

    Lending Stream

    LendingFor consumers
    67/100
    6880626062726862

    Built for: UK borrowers with poor or thin credit records who need a small sum quickly and can repay within six months.

  38. 38

    Fair Finance

    LendingFor consumers
    65/100
    6674625550807462

    Built for: UK borrowers with poor or thin credit files who need a small one-off personal loan from a regulated direct lender.

Each cell is one criterion scored out of 100: first the four criteria for this sector, then product depth, onboarding and support, pricing transparency, and contract terms. Hover or tap a cell for its name; the review page explains every score. The sector has 38 companies.