Texas’s 101 Fastest Growing FinTech Startups

At Fintech Energy we track over 200,000 fintech startups and over 1,000,000 people who hold key positions in these companies. We use this directory of startups to highlight top employees, founders and organisations we think deserve more appreciation than they are currently getting.

We’ve ranked the top 101 FinTech companies in Texas. The companies, startups and institutions listed in this article are all exceptional companies, well worth a follow. We have included links to their websites, socials and CrunchBase (if you’re interested in their financials).

We selected the organisations listed in this article based on:

Track record
Executive leadership
Market share
Innovation
ESG rating

Our Data – We source our data from OSINT (open source intelligence) and public directories such as Crunchbase, SemRush and many more. The data from these sources should be treated with a degree of caution and verified yourself.

Top FinTech Companies & Startups (Texas)

Bestow

Founders	Jonathan Abelmann, Melbourne O’Banion
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Bestow is an insurance technology company offering term life insurance that is accessible and affordable to families.

Turnkey Lender

Founders	Dmitry Voronenko, Elena Ionenko
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

#1 AI-based SaaS for digital lending

Vertalo

Founders	Dave Hendricks, Gautam Gujral, William Baxter
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Vertalo is a SaaS solution connecting and enabling the digital asset economy.

Modo

Founders	Aaron Wilkinson, Bruce Parker, Erich Schulz, Greg Harvey, Mark Saum, Sam Brown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Modo is the payments orchestration platform for enterprises.

Rabbet

Founders	Andrew Latimer, Will Mitchell
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Rabbet is an intelligent construction finance platform using data to bring trust, transparency, and matchmaking to home renovation.

Fair Fintech

Founders	Khalid Parekh
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Fair is a multilingual neobank and financial services platform that values people over profit and purpose over process.

Opcity

Founders	Ben Rubenstein, Michael Lam
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Opcity connects real estate agents and mortgage loan officers to pre-screened, live leads.

Upside Financing

Founders	Nicholas Mares
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Upside Financing tackles one of the biggest problems across the CPG industry: mis-matched payment terms.

Fintiv

Founders	Michael A. Liberty
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Fintiv is a technology company that designs, develops, and provides mobile commerce and payment solutions.

Everyware

Founders	Larry Talley, Scott Orlinsky
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Everyware provides a secure, user-friendly payment collection and two-way messaging platform.

MicroVentures

Founders	Bill Clark
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MicroVentures is an online equity crowdfunding platform enabling angel investors to connect with startups to raise capital.

Self

Founders	Unknown
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Self is a venture-backed fintech company with a mission to help people build credit and savings.

inKind

Founders	Andrew Harris, Johann Moonesinghe, Miles Matthias
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inKind finances restaurants by purchasing large amounts of food and beverage credits upfront, and then selling that F&B credit to consumers.

dash.fi

Founders	Zach Johnson
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The world first charge card exclusively for ad spend

DocSpace

Founders	Mario Amaro, Miles Montes
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We make it easy for clinicians to build and launch independent practices

Solovis

Founders	Caleb Doise, Josh Smith
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Solovis is a multi-asset class portfolio management, analytics and reporting technology platform, designed for institutional investors.

Open Lending

Founders	John Flynn, Ross Jessup, Sandy Watkins
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Open Lending is a provider of lending enablement and risk analytics solutions to financial institutions.

Maxima Investments

Founders	Marcos Martins
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We’ll teach you how to grow your finance, stocks & cryptocurrency portfolios, provide good forex Signals, financial services & consultation

Vpay

Founders	Robert Allen
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VPay is focused on delivering best-in-class claims payment solutions designed specifically to streamline the payment process.

Vyze

Founders	Jim White, Suneet Paul
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Vyze offers solutions that enable retailers to offer more payment options for their customers.

iownit

Founders	Hamid Gayibov, Rashad Kurbanov
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Powering Digital Private Markets

Billd

Founders	Christopher Doyle, Jesse Weissburg
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Billd is a construction finance company that offers material purchases at 120-day terms to the construction industry.

Zirtue

Founders	Dennis Cail, Michael Seay
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Zirtue is a relationship-based lending application that simplifies and automates loans between friends, family and trusted relationships.

Indyfin

Founders	Akshay Singh
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Indyfin empowers independent financial advisors to compete and win in a new era of wealth management.

Aurox

Founders	Unknown
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Aurox is a cryptocurrency trading terminal designed to help traders accelerate their profits.

Credit Mountain

Founders	Frank Santoni, Nathan Pinto
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Fintech SaaS solution that allows lenders to offer rejected borrowers a “Path to Approval”

Factom

Founders	Abhiśek Dobhal, Brian Deery, David A. Johnston, Paul Snow, Peter Kirby, Tiana Laurence
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Factom, Inc. is a blockchain innovations company providing blockchain as a service platforms.

Zabo

Founders	Alex Treece, Christopher Brown, William Dias
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Zabo connects any crypto wallet to any application in a few lines of code.

KindHealth

Founders	Albert Pomales, Andrew Tomasik, John Constantine
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The Digital Platform that simplifies Health Insurance Management.

Kare

Founders	Charles Turner
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Kare is a platform that empowers post-acute caregivers to earn extra income and manage their own flexible schedules.

Oveit

Founders	Mike Mihai Dragan
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We offer closed loop payments, distributed on public and private blockchain. We use AI to prevent fraud. Oveit can be deployed on minutes.

Able Lending

Founders	Evan Baehr, Will Davis
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Able is the lowest-cost online lender for small business loans in the nation. We partner with your network to provide loans from $25k-$1MM.

AEGIS Hedging Solutions

Founders	Bryan Sansbury
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AEGIS Hedging Solutions is the recognized global leader for hedging technology and expertise.

GrainChain

Founders	Fernando Campos, Luis Macias, Jaime Lopez, Carlos Huggins
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

GrainChain solves problems for all participants at every stage of the global agricultural supply chain through a software ecosystem that creates unparalleled transparency, efficiency, reliability, and liquidity.

JetPay

Founders	Bipin C. Shah
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JetPay specializes in technology solutions for the e-commerce and card-not-present marketplace, including proccessing and acquiring.

VeraBank

Founders	Unknown
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VeraBank is a financial service company providing a services in banking technology.

Visio Lending

Founders	Jeff Ball
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Visio Lending offers a range of loans and mortgage loans to investors in the real estate investment markets.

Joust

Founders	George Kurtyka, Lamine Zarrad
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Joust is a banking platform that directly provides merchant services and business banking for the self-employed.

Cion Digital

Founders	Arpit Agrawal, Fred Brothers, Snehal Fulzele
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Blockchain Orchestration Platform, Real-Time Crypto Payment and Financing Solutions

Beyond Finance

Founders	Benjamin Schwan
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FinTech – Next Generation Financial Services & Debt Solutions

Rev Worldwide

Founders	Bertrand Sosa, Roy Sosa
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Fintech company focused on developing payment product innovations around the world leveraging a proprietary processing platform.

Realized

Founders	David Wieland
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The Realized FinTech platform enables aging HNW families to tax-efficiently convert legacy real estate into passive income investments.

Tricolor Holdings

Founders	Daniel Chu
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Tricolor Holdings is a mission-driven company that utilizes advanced data analytics and technology to advance financial inclusion.

HEADLINE

Founders	Aaron Martinez
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HEADLINE is a Texas-based fintech startup and media company. We build software on the Algorand blockchain.

CollateralEdge

Founders	Joel Radtke
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CollateralEdge is an innovative fintech platform.

Multicoin Capital

Founders	Kyle Samani, Tushar Jain
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Multicoin Capital is a thesis-driven cryptofund that invests long term in tokens that reshape entire sectors of the global economy.

Satoshi Energy

Founders	Andrew Myers
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Satoshi Energy is a provider of data driven insights and power contracts for bitcoin miners.

OverlayAnalytics

Founders	Bryan Shupe, Tommy Shuey
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Integrated financial data platform

Chipper

Founders	Tony Aguilar
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Chipper is a student loan app that lower payments, qualify for forgiveness, and chip away debt faster.

Hearth

Founders	Anthony Ghosn, Joe Lonsdale, Joe Lonsdale
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Financial Technology for built for the Home Improvement industry

Q2ebanking

Founders	Hank Seale
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Q2ebanking designs virtual, mobile and voice banking applications for financial institutions.

HyperLinq

Founders	Amar Gautam, Karamvir Singh, Kunal Kumar
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Democratizing access to trading technologies

FloatMe

Founders	Christopher Brown, Joshua Sanchez, Ryan Cleary
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

FloatMe is the fast-growing fintech app that’s helped Americans save $100M in fees since launch through “floats” and a host of PFM tools.

LegacyTexas

Founders	Unknown
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LegacyTexas is commercially oriented community bank that serves local entrepreneurs, businesses, and families.

NextSeed

Founders	Abraham Chu, Robert Dunton, Youngro Lee
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NextSeed is an online fundraising platform where any businesses can raise financing from any investors including non-accredited investors.

ioogo

Founders	Josh Alballero, Kristy Alballero, Val Osipenko
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ioogo is a tax and accounting software and services company that specializes in software development, mobile software, and web solutions.

Abacus

Founders	Ian Macalinao, Pradyuman Vig
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Abacus streamlines customer onboarding for financial services companies.

DriverUp

Founders	Brett Beebe, Sam Ellis
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DriverUp is the first online auto lending marketplace for accredited investors.

Unchained Capital

Founders	Dhruv Bansal, Joseph Kelly
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Unchained Capital is a blockchain financial services company that lends cash to long-term crypto holders.

Grey

Founders	Michael Ruddock, William Clark
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Grey is a financial service company that offers payment processing services for high-risk businesses.

AlgoPear

Founders	Ben Malena, Johnathon Albercrombie, Lakeisha Turner, Ronnie Green
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AlgoPear is a AI trading marketplace where retail traders can connect their portfolio to AI investment strategies.

Paybook

Founders	Gerardo Treviño, Rafael Fong
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Paybook is a hub that connects people with their financial world through bank connectivity and innovative technology.

BorrowersFirst

Founders	Jonathan Ende
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We are a tech-enabled consumer lending platform organized around providing superior value and experience for our borrowers.

DonateStock

Founders	Steve Latham
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DonateStock is an emerging fintech startup seeking to transform charitable giving.

Honest Dollar

Founders	Henry Yoshida, William Hurley
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Honest Dollar Hopes to Make Retirement Plans Affordable For SMBs.

Alkami Technology

Founders	Gary Nelson, Sean McElroy, Stephen Bohanon
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Alkami Technology provides cloud-based digital banking solutions for credit unions and banks.

Vesti

Founders	Abimbola Amusan, Olusola Amusan
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Vesti provides finance application for sending, receiving and investment of money.

CollBox

Founders	Cameron Desautels, Ed Luczycki
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Debt collection for cloud accounting

Coinflip Solutions

Founders	Devin Wade, Kerry Gilligan, Mike Fragale
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CoinFlip is the first payment network to route transactions on a per-item basis.

m1neral

Founders	Jacob Avery, Kyle Chapman, Shawn Cutter
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M1neral is building the first all-in-one transaction management platform for oil & gas minerals and royalties.

Lendflow

Founders	Jon Fry, Matthew Watts
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Lendflow makes it easy for software companies to embed lending services into their product.

Wedy

Founders	Rumaiza Fathima Ali
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Wedy is the world’s first booking and financing marketplace for the wedding industry.

CVEX Group

Founders	Chris Belew, Craig Aumann
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CVEX Group is applying technology and automation to create the most advanced trading platform for private company equities.

RiftPay

Founders	Adoba Yua, Bryce DeVaughn, Deric Riddle-Richardson, Haafiz Abdurrahim
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Riftpay is a FinTech startup that offers a secure payment environment and can combine split transactions in real-time.

I Hate Receipts (IHR)

Founders	Ryan Greene
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The Cloud Based Receipting™ empowers consumers with their purchase data and engages merchants with their proprietary Mobile HD Receipt™

Unbill

Founders	Jordan Wright, Scott Weinert
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Unbill is a mobile app that can pay your bills for you. Additionally, developers can use it’s biller API inside their own apps.

Founderpath

Founders	Nathan Latka
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Founderpath helps SaaS companies increase cash flow without diluting ownership by offering loans based on their monthly recurring revenue.

Episode Six

Founders	Chermaine Hu, Futeh Kao, John Mitchell
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Episode Six offers a highly configurable ledger and payments system. The financial technology is readily accessible via over 550 API.

Dosh

Founders	Ryan Wuerch
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Dosh is a free cash back app that finds users money for shopping, dining out, and pumping gas at thousands of merchants & brands nationwide.

Levelfield

Founders	David Powell, Earl Powell, Gene Grant, Hal Hoodwin, Stephen Helmholz, Stephen Redler
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VRBex is a Houston, Texas based financial services company seeking to blend traditional banking, securities, and digital assets

Freede Solutions

Founders	Bruce Cummings
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Freede develops strategies intended to help people reduce and eliminate their debt.

Vault Wallet

Founders	Corey Segall, Daniel Arulraj
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Vault Wallet, making blockchain development Easy. Secure. Affordable.

Noesis

Founders	Scott Harmon
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Noesis is a tech-enabled lending marketplace for financing commercial building improvements.

Milestones Labs

Founders	Dustin Gray
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Milestones Labs provides real estate services to assist people in purchasing a home, selling a home, and obtaining a mortgage.

Goldcrest Capital

Founders	Adam Ross, Daniel Friedland
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Goldcrest is a venture capital fund that invests in private technology companies.

BankingON Inc.

Founders	Alexey Krasnoriadtsev, Anton Antonov, Carl Thong
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Mobile Banking Platform for Credit Unions and Community Banks

IPwe

Founders	Brian Berman, Erich Spangenberg
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IPwe is a global innovation fintech platform company focused on enterprise/corporate assets.

Highcrest Capital

Founders	J.P. Bourtin
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Highcrest Capital utilizes technology and innovation to create products that meet pressing investment needs.

GradJoy

Founders	Jesus Marco del Carmen, Jose Bethancourt
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GradJoy manages your student loans — helping you save money and be debt-free faster.

MR Presta

Founders	Carlos Rosso, Cesar Manduca
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Developing cutting edge technology for Fintechs in origination, credit scoring and servicing around the world.

UpEquity

Founders	Louis Wilson, Tim Herman
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UpEquity is a tech-enabled mortgage platform.

TrustFund, Inc.

Founders	Frank Santoni, Nathan Pinto
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Fintech platform to disrupt predatory lending

CreditSuppliers

Founders	James Nielsen
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CreditSuppliers provides construction material financing to help contractors and subs grow their business while ensuring that merchants

InforcePRO

Founders	Cameron Jacox, James Hilton, Karan Kanodia
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InforcePRO™ (Acquired 06/17) has reshaped how the $2T insurance industry manages, mines, & markets to it’s largest asset–policyholder data.

Abrigo

Founders	Daniel Cho
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Abrigo provides market-leading compliance, credit risk, and lending solutions to enable its customers to think bigger.

tapNpay

Founders	Manuel Fustes
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tapNpay is a FinTech company that has developed a new patented payment service working with mobile carriers globally as billing agents.

ATA RiskStation

Founders	Aladin Abughazaleh
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ATA RiskStation is a financial services company that offers a web-based platform for risk-reporting of funds and investors.

Unwired Nation

Founders	C. Eric Smith, R. Stacey Zuniga
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Unwired Nation powers mobile banking apps for community financial institutions with Unwired Banking, its patented mobile platform.

ScaleFactor

Founders	Kurt Rathmann
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ScaleFactor provides accounting and finance software with automated bookkeeping, proactive alerts, and other features.

Method Financial

Founders	Jesus Marco del Carmen, Jose Bethancourt
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Method Financial is a debt repayment API that facilitates payments for all types of debt.