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StellarFi
Build Credit With Every Bill You Pay
About StellarFi
StellarFi is a fintech startup that offers a unique solution to help individuals build their credit scores. The company operates in the financial services market, specifically in the credit-building sector. It targets individuals who are either starting with no credit history, planning for a major purchase, or trying to recover from a financial setback.
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StellarFi's business model is centered around rewarding its users for their on-time bill payments. The company allows users to pay their recurring bills such as rent, utilities, or streaming services through its app. Every time a bill is paid on time through StellarFi, the user's reported credit limit increases, which helps maintain a positive credit-to-debt ratio. This is a key factor in determining a person's credit score.
StellarFi makes money through its membership model. Users pay a fee to link their bills to the StellarFi app. The company then pays the bills on behalf of the users, who automatically pay StellarFi back. The company then reports these on-time payments to major credit bureaus, Experian® and Equifax®, thereby helping users build their credit scores.
StellarFi stands out from other credit-building tools by reporting monthly payments to all major credit bureaus. It also uses advanced security protocols and bank-grade encryption to ensure the safety and privacy of user data. Moreover, StellarFi is not a secured card, meaning there's no deposit required to build credit and no hidden fees.
At a glance
- Status
- Operational
- Founded
- 2021
- Headquarters
- Austin, United States
- Employees
- 17
- Open positions
- None listed
- Dealroom signal
- 62.7/100
- Industry
- Fintech
- Sub-industry
- Payments
- Sector
- Fintech, Credit Scoring, Sustainable Development Goals, Consumer Lending, financial inclusion
- Technology
- Big Data
- Business model
- SaaS
- Client focus
- b2c
Latest news
Press, funding announcements and product moves mentioning StellarFi.
Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| SERIES A✓Equity / VC | Mar 2023 | $15M | $60M | Oyster Funds · Interplay · ATX Venture Partners · Kapital Ventures | ↗ |
| SEED✓Equity / VC | May 2022 | $7M | $28M | Permit Ventures · Fiat Ventures · Vera Capital · Trust Ventures | ↗ |
Financials
Revenue, earnings and other financial measures where available. Years marked “E” are estimates.
Growth signals
Latest recorded traffic for StellarFi is 18K monthly website visits, down 14.3% over the last three months. StellarFi's team declined 22.7% over the past year.
Similar companies
Company identity and context are open; selected comparison metrics preview what is available on the platform.
Investors
From Dealroom's funding and investor records, grouped by the round each investor first entered.
Seed7 investors entered at this stage
Trust Ventures
ACrew Capital- PVPermit Ventures
Fiat Ventures
Vera Capital
Accomplice
Kindergarten Ventures
Series A12 investors entered at this stage
Other known investors3 additional known investors
Chris Shonk
Nkechi Iregbulem
Timothy McSweeney
Source: Dealroom Talent Intelligence.
Global footprint
team presence
Market sentiment
An AI-synthesised read of the highest-engagement posts about StellarFi on X, ranked by likes and reposts, corporate channels excluded.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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