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TomoCredit
Fintech · San Francisco, United States · Founded 2018
Helps millennials get the credit cards they deserve by analyzing alternative data sets MoreLess
TomoCredit is a fintech company that offers a credit card to individuals who may not have a credit history, such as students and immigrants. The company's underwriting process does not rely on traditional credit scores but instead uses a proprietary "Cash Score" that analyzes a customer's assets and financial behavior. This allows TomoCredit to serve a segment of the population that is often overlooked by traditional lenders.
The company's primary product is the TomoCredit Mastercard, a charge card that requires users to pay off their balance in full each month. This feature is designed to help customers build credit responsibly without accumulating debt. TomoCredit also provides an AI-powered financial advisor to help users manage their finances.
The business model is based on interchange fees, which are charged to merchants for each transaction made with the TomoCredit card. The company targets a niche market of consumers who are new to credit and aims to provide them with a path to financial inclusion.
Keywords: credit card, no credit score, cash score, AI financial advisor, financial inclusion, fintech, charge card, underwriting, interchange fees, personal finance
Company overview
TomoCredit company information
The essential company record, classifications and operating signals in one place.
- Status
- Operational
- Founded
- 2018
- Headquarters
- San Francisco, United States
- Employees
- 19
- Open positions
- None listed
- Dealroom signal
- 67.7
Valuation & funding
TomoCredit funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| DEBT✓Debt | Jul 2022 | $100M | — | Silicon Valley Bank · Standard Treasury | ↗ |
| SERIES B✓Equity / VC | Jul 2022 | $22M | $222M | MasterCard · Asian Hustle Network · Gold House Ventures · Hyphen Capital | ↗ |
| SERIES A✓Equity / VC | Sep 2021 | $10M | $40M | KB Investment · Western Technology Investment · AME Cloud Ventures · Knollwood Investment Advisory | — |
| SEED✓Equity / VC | Feb 2021 | $7M | $28M | Barclays · Strong Ventures · Ulu Ventures · KB Kookmin Card | — |
| SEED✓Equity / VC | Jan 2020 | $0 | — | Ulu Ventures | — |
| EARLY VC✓Equity / VC | Apr 2019 | Undisclosed | — |
Financials
Revenue and workforce over time
Available revenue and workforce history. Fields without reported data are omitted.
| Year | Revenue | Growth | Employees |
|---|---|---|---|
| 2026 | $7.3M | 0% | 21 |
| 2025 | $7.3M | 0% | 22 |
| 2024 | $7.3M | 0% | 24 |
| 2023 | $7.3M | 0% | 29 |
| 2022 | $7.3M | +168.9% | 49 |
| 2021 | $2.7M | +84.9% | 42 |
| 2020 | $1.5M | — | 22 |
Growth signals
TomoCredit website traffic
Latest recorded traffic for TomoCredit is 340K monthly website visits, up 61.9% over the last three months. TomoCredit's team declined 13.6% over the past year.
Comparisons
TomoCredit compared with similar companies
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Talent graph
TomoCredit's talent
Source: Dealroom Talent Intelligence.
Investors
32 investors on TomoCredit's cap table
Sourced from Dealroom's funding and investor records. Investor profile links are shown where available.
Global footprint
Where TomoCredit has talent and traffic
team presence
In the news
Latest news about TomoCredit
Recent press, funding announcements, and product moves mentioning TomoCredit — open to read from the original sources.
Market sentiment
What the market is saying about TomoCredit
An AI-synthesized read of the highest-engagement posts about TomoCredit on X over the past 7 days. We rank by likes & retweets, ignore corporate channels, and surface the themes that broke out from real people.
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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