COMPANY PROFILE

TomoCredit

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Helps millennials get the credit cards they deserve by analyzing alternative data sets

San Francisco, United StatesFounded 2018Fintech

Valuation $100–250M Last recorded · 2022

Revenue $1–10M Latest reported FY

Headcount <100 Current team size

Total funding $10–50M Disclosed equity funding

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About TomoCredit

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.

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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.

Source: Dealroom company data

At a glance

Status: Operational
Founded: 2018
Headquarters: San Francisco, United States
Employees: 19
Open positions: None listed
Dealroom signal: 67.7/100
Industry: Fintech
Sub-industry: Mortgages & Lending
Sector: Fintech, Credit Scoring, Credit Card, Consumer Lending, financial inclusion
Business model: Marketplace & ecommerce
Client focus: b2c
Links: Website LinkedIn X

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Funding history

6 recorded events

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	↗

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Financials

Revenue over time

Revenue, earnings and other financial measures where available. Years marked “E” are estimates.

Year	Revenue	Growth
2026
2025
2024
2023
2022
2021
2020		—

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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.

Latest monthly visits340K 3-month web change+61.9% 1-year team growth-13.6%

Monthly website visitsFeb 2020–Jul 2026

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