Borrow Startup Ideas

3 months ago

A real estate financing platform that connects investors with borrowers and saves them time and money.

295

1 year ago

Student loans can be expensive, and this startup helps borrowers figure out what their rates are for different banks.

157

2 years ago

A platform for lending and borrowing money with a goal of reaching 1 million borrowers. Users will be able to search for and compare loans online.

147

2 years ago

A B2B company building a way for people to manage their small business borrowing and lending.

139

2 years ago

A new kind of “bank” for the unbanked, where people can create savings accounts, send and receive money, and borrow short-term from peers.

137

2 years ago

A tool for banks to vet potential borrowers based on their credit score, then offer guidance to help them get approved. “If you have a credit score, we can fix your credit score.”

137

1 year ago

A personal financing tool that helps consumers save for retirement, borrow against their homes, refinance student loans, and reduce debt.

135

1 year ago

Currently focused on the UK, a B2B company that enables people to borrow money from their employer via a payroll deduction. It charges 1% interest for up to 12 months, and the company keeps 2% of the loan amount.

133

2 years ago

A peer-to-peer mortgage marketplace, where borrowers could get a credit score, FICO score, and a monthly payment quote by asking friends to lend money to them.

131

2 years ago

A platform that enables people to buy and sell things like furniture, cars, and apartments, and rent out unused rooms. Borrowers can use the platform’s software to manage the loan, and borrowers can access the property remotely. The platform is currently focused on the UK.

131

2 years ago

A company that wants to let people borrow a car with the touch of a button. The company is working with the National Highway Traffic Safety Administration to get insurance to work with the app.

129

2 years ago

A platform for connecting borrowers with investors, allowing for investments in anything from clothing and food to cars and real estate.

129

2 years ago

A startup solving the student loan default crisis by letting borrowers streamline the repayment process.

128

1 year ago

A student loan refinancing platform that allows borrowers to pay off their debt in a number of different ways, including a lump sum or a fixed payment.

126

2 years ago

A digital tool for borrowing money from friends and family for small business purchases. The current model is still simple: the startup is working to launch an app that lets you borrow money in seconds from your friends and family. The company has raised a seed round, and is launching today

121

2 years ago

A “Global Credit Network” where you can borrow money from anyone in the world — no credit checks and no collateral. The startup is building the infrastructure to make international microlending easy.

119

2 years ago

This startup is building a student loan calculator for borrowers, to help them understand how much they will need to borrow in order to fund their degree.

119

2 years ago

A startup that wants to help people unload the debt they've accrued from student loans. They are currently working with 3,000 borrowers in the UK and hope to expand to the US in the next 12 months.

114

1 year ago

A payments app that allows you to lend or borrow money in minutes, for under 1% interest. The app is in the process of getting Fintech licenses in the UK, France, and Germany.

111

2 years ago

Fintech company that offers investors a way to borrow against their crypto holdings.

110

1 year ago

A company that helps small businesses (both online and in-person) and entrepreneurs borrow money at a lower interest rate.

105

2 years ago

A platform that connects banks to business customers in the UK, helping them borrow from different banks.

103

1 year ago

A startup that doesn't have a specific use case but wants to be a store of last resort for people seeking to borrow money.

101

2 years ago

A small loan marketplace that allows anyone to lend and borrow locally, in person, with no credit score required.

100

2 years ago

A platform that helps new businesses get started, allowing them to get a credit line and borrow money at favorable rates from lenders.

97

2 years ago

P2P lending is the new frontier for startups, with this one looking to build a P2P borrowing platform.

91

2 years ago

A company that lets people borrow a single printer that can print out 100,000 copies of a document. This smart printer will print at an incredibly high resolution — the company claims it will print at “40 times the resolution of a typical home printer”.

91

2 years ago

A loan application platform that uses machine learning algorithms to identify fraudulent loan applications and offers discounted rates to borrowers.

90

2 years ago

Create a new way for people to get their money from the bank. Give people a way to borrow and pay back small amounts of money to their bank electronically.

87

2 months ago

Micro-loans to small businesses in India, offering a simple way to borrow $50 to $5,000. The company has already helped over 2,000 businesses, with plans to expand to the US by the end of 2020

87

1 year ago

A tool that helps you manage your courses and courses of study, along with the borrowing and loan information for each. It’s currently available on the web, but will be coming to iOS and Android.

82

2 years ago

This is an “automated” loan application process for small business borrowers. The startup says its technology can analyze the financials of a business in minutes and make a quick decision on whether or not to give them a loan.

81

8 months ago

This company builds debt crowdsourcing platforms for lending companies. Borrowers can list their credit availability and a company can decide whether they’re a good fit for a loan.

77

2 years ago

A company that provides a free loan to borrowers who have already been denied one from other banks.

76

2 years ago

A platform that connects borrowers with financial services and technology to transform the way they borrow and pay. They have a $2.5M seed round and are close to a round of growth.

75

1 year ago

This startup helps credit unions find and offer loan products for low-income borrowers.

69

2 years ago

A small business lending platform that takes a portion of the income of the borrower and invests it in loans to other small businesses.

68

1 year ago

A company that is working on a peer-to-peer lending marketplace platform that connects lenders with borrowers. CommonBond has raised $30 million to date.

68

1 year ago

A P2P service that lets you borrow money from your friends to fix your car, fix your leaky roof, or do whatever you need to do.

66

1 year ago

A San Francisco-based startup that hopes to be the Uber of finance, where anyone can get a line of credit and borrow money from friends and family.

64

1 year ago

A student loan refinancing company that helps borrowers get out of student debt by consolidating all their loans into one. It aims to make this process as simple as possible by allowing borrowers to make payments via their credit cards.

63

1 year ago

This startup is building a blockchain-based lending platform that connects borrowers to lenders.

62

1 year ago

The startup aims to be a peer-to-peer marketplace for student loans, to help students avoid high interest rates by borrowing from other students.

58

1 year ago

LendingClub is a peer-to-peer (P2P) lending company that aims to cut out the middleman lending market by allowing borrowers to connect with each other directly. The company’s P2P model is based on an algorithm designed to match borrowers with lenders. P2P loans were responsible for $2.7 billion in loans in 2017.

57

8 months ago

A peer-to-peer lending platform that connects lenders and borrowers.

56

2 months ago

$1,000 non-refundable application fee to offset the cost of processing a credit application and notifying creditors of the loan. The company takes a 5% cut of the amount borrowed and a 1% fee on the total amount borrowed.

56

6 months ago

A startup that lets people borrow friends’ unused airline miles for a fee.

55

1 year ago

An online lending platform that lowers the costs of borrowing for micro-finance companies.

54

1 year ago

Magig is a startup that has a new take on how to borrow money. It’s sort of like Venmo, except for the borrower. The startup allows users to send money to their friends in exchange for lending them cash that they can pay back over time.

53

1 year ago

A crowdfunding platform for startups, allowing people to invest in entrepreneurs as a way to get access to a new product before it’s ready for the market. Borrowing the model of Kickstarter, AngelList connects people with startups without the need to make a down payment.

53

2 months ago

LendUp is a peer-to-peer lending marketplace where people can lend money to their friends, family, or other people they know. It’s similar to sites like Lending Club and Prosper, but the startup is taking a different approach to the funding. It’s aiming to let people lend money to their friends and family, and the loans aren’t paid back until the borrower has used them to buy something.

51

9 months ago

A payment and lending platform for the sharing economy, including Airbnb and Uber. It allows people to borrow money and pay for things like ridesharing and home sharing, with some flexibility over the conditions of the loan.

49

1 year ago

A web-based platform that lets you track your net worth, manage bank accounts, and borrow money from the bank

48

1 year ago

A credit reporting platform designed to make it easier for borrowers to understand their credit scores and learn from their spending. It was built by a team of three grad students from MIT and TWC Labs, and was launched in July.

48

1 year ago

Borrower.io is a platform for lenders to manage their loan portfolios, helping them get a better understanding of their loan data and the performance of their loans.

47

11 months ago

A startup that tracks the loan rate and payment timing of people borrowing money from banks. The startup is looking to allow banks to offer flexible payment plans in order to keep customers happy and build a better relationship with them.

47

9 months ago

A startup of peer-to-peer loans, where borrowers can use an algorithm to determine the best lenders, based on their credit history, credit score and debt-to-income ratio.

47

1 year ago

This one is a bit of a stretch to be sure, but the idea is that when you need a car for a day or a week, you can borrow one from a company in your area. The company then acts as a rental broker and rents the car to you at a set rate.

46

1 year ago

A startup that will allow seniors to access and borrow money from their families for medical emergencies.

46

1 year ago

This group of investors is working on a new kind of credit score that factors in a person’s ability to pay back a loan. The startup aims to help borrowers quickly understand and compare the information available to them in order to make their own credit decisions.

46

2 months ago

The startup is building a portfolio of structured credit products that allow people with very low credit scores to borrow up to $10,000 with a personal loan.

46

1 year ago

This startup is building an app that allows “unbanked” consumers to borrow money from people in their network of friends and acquaintances.

45

1 year ago

A platform where people can borrow a car for a day or a week

45

9 months ago

The startup aims to simplify the process of purchasing a home by bringing all relevant parties together, like real estate agents, borrowers, and homeowners. Customers can sign on with a single email address.

43

8 months ago

Create a platform for student loan borrowers to pay off their loans in monthly installments.

41

2 months ago

A student loan repayment app that connects borrowers with a network of financial services companies that can help them refinance their loans.

40

9 months ago

The startup is building a tool that makes it easier for people to find and investigate which loans are available to them. It also matches potential borrowers with lenders and helps them navigate the loan process.

39

8 months ago

A user-friendly SaaS platform that helps companies and individuals co-sign loans with other users. The startup plans to use AI to match high-qualified borrowers with lenders who offer better terms while still giving the user peace of mind.

39

5 months ago

A company that helps determine if a loan is worth making. Fundera’s technology is based on smart contacts, which match up borrowers and lenders and run predictive analytics to determine if a loan is worth making.

39

7 months ago

A startup for shoppers to compare prices on things like home insurance and auto loans. Borrow lets people take a credit card number and borrow money against it, so you get the money you need and pay it back with the money you make.

38

1 year ago

A platform that lets both lenders and borrowers take advantage of cryptocurrency.

37

1 year ago

This startup is building an online tool for lenders to help them evaluate borrowers. The startup is already working with 15 lending partners, including Capital One and Citizens Bank.

37

2 years ago

Idea: A startup that helps people with bad credit get loans It finds loans for customers, and takes a 10% commission from the borrower

35

1 year ago

A way to make it easier to get a loan by using a credit score. The startup’s idea is to use a credit score to determine whether a borrower is a good risk, then offer them a loan.

33

6 months ago

A credit card company that lets you borrow from your credit card to pay for things and roll it over for up to a year if you can’t pay it back.

33

5 months ago

A peer-to-peer credit marketplace that matches borrowers and investors in the US

33

9 months ago

A Bitcoin-based micro-loan startup, which aims to change the way the global $300 billion micro-lending market works by focusing on unbankable borrowers.

31

5 months ago

A decentralized marketplace for peer-to-peer lending, where lenders can lend to borrowers globally, with no minimum amount and no origination fees.

31

6 months ago

A student loan refinancing platform from Y Combinator alum Brick Road, launched in August with $10 million in venture funding. Brick Road talks about helping borrowers get lower rates than the ones offered by banks, and promising a “low-cost, low-equity” funding source.

29

4 months ago

A student loan tracker that helps borrowers make payments and pay off loans. The startup is built to be more effective than a loan payment calculator and more comprehensive than student loan websites.

28

3 months ago

A peer-to-peer (P2P) lending platform that directly connects borrowers with investors and is set to launch in the UK in 2015.

27

3 months ago

, a financial-services startup that helps people borrow money against their house or car using their existing credit.

27

10 months ago

A platform to provide valuation, transaction and credit-scoring services for both borrowers and lenders.

25

4 months ago

A startup that helps college students pay for school. It’s a marketplace for students to borrow money from other students, a sort of peer-to-peer student borrowing.

25

4 months ago

A startup that’s developing an email-based lending platform that lets small businesses borrow money from big businesses.

24

3 months ago

This startup is trying to make it easier for small businesses to access capital. The company is building a marketplace where borrowers can connect with investors who are willing to invest small amounts of money in exchange for a higher return.

24

5 months ago

Looking to build a “personal” lending platform, one that allows users to borrow against their credit card balance.

22

4 months ago

A startup for loan officers to buy and sell loans, with a focus on helping credit-risky borrowers.

21

2 years ago

Easily accessible credit. The idea here is to enable people to set up accounts and be able to borrow money for things like furniture, or home improvement. So far, they’ve raised $5.2 million.

2

2 years ago

Idea: A SaaS for student loans that helps borrowers keep track of their loans and what they’re paying, as well as offers advice.

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Borrow Startup Ideas

A real estate financing platform that connects investors with borrowers and saves them time and money.

Student loans can be expensive, and this startup helps borrowers figure out what their rates are for different banks.

A platform for lending and borrowing money with a goal of reaching 1 million borrowers. Users will be able to search for and compare loans online.

A B2B company building a way for people to manage their small business borrowing and lending.

A new kind of “bank” for the unbanked, where people can create savings accounts, send and receive money, and borrow short-term from peers.

A tool for banks to vet potential borrowers based on their credit score, then offer guidance to help them get approved. “If you have a credit score, we can fix your credit score.”

A personal financing tool that helps consumers save for retirement, borrow against their homes, refinance student loans, and reduce debt.

Currently focused on the UK, a B2B company that enables people to borrow money from their employer via a payroll deduction. It charges 1% interest for up to 12 months, and the company keeps 2% of the loan amount.

A peer-to-peer mortgage marketplace, where borrowers could get a credit score, FICO score, and a monthly payment quote by asking friends to lend money to them.

A platform that enables people to buy and sell things like furniture, cars, and apartments, and rent out unused rooms. Borrowers can use the platform’s software to manage the loan, and borrowers can access the property remotely. The platform is currently focused on the UK.

A company that wants to let people borrow a car with the touch of a button. The company is working with the National Highway Traffic Safety Administration to get insurance to work with the app.

A platform for connecting borrowers with investors, allowing for investments in anything from clothing and food to cars and real estate.

A startup solving the student loan default crisis by letting borrowers streamline the repayment process.

A student loan refinancing platform that allows borrowers to pay off their debt in a number of different ways, including a lump sum or a fixed payment.

A digital tool for borrowing money from friends and family for small business purchases. The current model is still simple: the startup is working to launch an app that lets you borrow money in seconds from your friends and family. The company has raised a seed round, and is launching today

A “Global Credit Network” where you can borrow money from anyone in the world — no credit checks and no collateral. The startup is building the infrastructure to make international microlending easy.

This startup is building a student loan calculator for borrowers, to help them understand how much they will need to borrow in order to fund their degree.

A startup that wants to help people unload the debt they've accrued from student loans. They are currently working with 3,000 borrowers in the UK and hope to expand to the US in the next 12 months.

A payments app that allows you to lend or borrow money in minutes, for under 1% interest. The app is in the process of getting Fintech licenses in the UK, France, and Germany.

Fintech company that offers investors a way to borrow against their crypto holdings.

A company that helps small businesses (both online and in-person) and entrepreneurs borrow money at a lower interest rate.

A platform that connects banks to business customers in the UK, helping them borrow from different banks.

A startup that doesn't have a specific use case but wants to be a store of last resort for people seeking to borrow money.

A small loan marketplace that allows anyone to lend and borrow locally, in person, with no credit score required.

A platform that helps new businesses get started, allowing them to get a credit line and borrow money at favorable rates from lenders.

P2P lending is the new frontier for startups, with this one looking to build a P2P borrowing platform.

A company that lets people borrow a single printer that can print out 100,000 copies of a document. This smart printer will print at an incredibly high resolution — the company claims it will print at “40 times the resolution of a typical home printer”.

A loan application platform that uses machine learning algorithms to identify fraudulent loan applications and offers discounted rates to borrowers.

Create a new way for people to get their money from the bank. Give people a way to borrow and pay back small amounts of money to their bank electronically.

Micro-loans to small businesses in India, offering a simple way to borrow $50 to $5,000. The company has already helped over 2,000 businesses, with plans to expand to the US by the end of 2020

A tool that helps you manage your courses and courses of study, along with the borrowing and loan information for each. It’s currently available on the web, but will be coming to iOS and Android.

This is an “automated” loan application process for small business borrowers. The startup says its technology can analyze the financials of a business in minutes and make a quick decision on whether or not to give them a loan.

This company builds debt crowdsourcing platforms for lending companies. Borrowers can list their credit availability and a company can decide whether they’re a good fit for a loan.

A company that provides a free loan to borrowers who have already been denied one from other banks.

A platform that connects borrowers with financial services and technology to transform the way they borrow and pay. They have a $2.5M seed round and are close to a round of growth.

This startup helps credit unions find and offer loan products for low-income borrowers.

A small business lending platform that takes a portion of the income of the borrower and invests it in loans to other small businesses.

A company that is working on a peer-to-peer lending marketplace platform that connects lenders with borrowers. CommonBond has raised $30 million to date.

A P2P service that lets you borrow money from your friends to fix your car, fix your leaky roof, or do whatever you need to do.

A San Francisco-based startup that hopes to be the Uber of finance, where anyone can get a line of credit and borrow money from friends and family.

A student loan refinancing company that helps borrowers get out of student debt by consolidating all their loans into one. It aims to make this process as simple as possible by allowing borrowers to make payments via their credit cards.

This startup is building a blockchain-based lending platform that connects borrowers to lenders.

The startup aims to be a peer-to-peer marketplace for student loans, to help students avoid high interest rates by borrowing from other students.

A peer-to-peer lending platform that connects lenders and borrowers.

$1,000 non-refundable application fee to offset the cost of processing a credit application and notifying creditors of the loan. The company takes a 5% cut of the amount borrowed and a 1% fee on the total amount borrowed.

A startup that lets people borrow friends’ unused airline miles for a fee.

An online lending platform that lowers the costs of borrowing for micro-finance companies.

Magig is a startup that has a new take on how to borrow money. It’s sort of like Venmo, except for the borrower. The startup allows users to send money to their friends in exchange for lending them cash that they can pay back over time.

A crowdfunding platform for startups, allowing people to invest in entrepreneurs as a way to get access to a new product before it’s ready for the market. Borrowing the model of Kickstarter, AngelList connects people with startups without the need to make a down payment.

A payment and lending platform for the sharing economy, including Airbnb and Uber. It allows people to borrow money and pay for things like ridesharing and home sharing, with some flexibility over the conditions of the loan.

A web-based platform that lets you track your net worth, manage bank accounts, and borrow money from the bank

A credit reporting platform designed to make it easier for borrowers to understand their credit scores and learn from their spending. It was built by a team of three grad students from MIT and TWC Labs, and was launched in July.

Borrower.io is a platform for lenders to manage their loan portfolios, helping them get a better understanding of their loan data and the performance of their loans.

A startup that tracks the loan rate and payment timing of people borrowing money from banks. The startup is looking to allow banks to offer flexible payment plans in order to keep customers happy and build a better relationship with them.

A startup of peer-to-peer loans, where borrowers can use an algorithm to determine the best lenders, based on their credit history, credit score and debt-to-income ratio.

This one is a bit of a stretch to be sure, but the idea is that when you need a car for a day or a week, you can borrow one from a company in your area. The company then acts as a rental broker and rents the car to you at a set rate.

A startup that will allow seniors to access and borrow money from their families for medical emergencies.

This group of investors is working on a new kind of credit score that factors in a person’s ability to pay back a loan. The startup aims to help borrowers quickly understand and compare the information available to them in order to make their own credit decisions.

The startup is building a portfolio of structured credit products that allow people with very low credit scores to borrow up to $10,000 with a personal loan.

This startup is building an app that allows “unbanked” consumers to borrow money from people in their network of friends and acquaintances.

A platform where people can borrow a car for a day or a week

The startup aims to simplify the process of purchasing a home by bringing all relevant parties together, like real estate agents, borrowers, and homeowners. Customers can sign on with a single email address.

Create a platform for student loan borrowers to pay off their loans in monthly installments.

A student loan repayment app that connects borrowers with a network of financial services companies that can help them refinance their loans.

The startup is building a tool that makes it easier for people to find and investigate which loans are available to them. It also matches potential borrowers with lenders and helps them navigate the loan process.

A user-friendly SaaS platform that helps companies and individuals co-sign loans with other users. The startup plans to use AI to match high-qualified borrowers with lenders who offer better terms while still giving the user peace of mind.

A company that helps determine if a loan is worth making. Fundera’s technology is based on smart contacts, which match up borrowers and lenders and run predictive analytics to determine if a loan is worth making.

A startup for shoppers to compare prices on things like home insurance and auto loans. Borrow lets people take a credit card number and borrow money against it, so you get the money you need and pay it back with the money you make.

A platform that lets both lenders and borrowers take advantage of cryptocurrency.

This startup is building an online tool for lenders to help them evaluate borrowers. The startup is already working with 15 lending partners, including Capital One and Citizens Bank.

Idea: A startup that helps people with bad credit get loans It finds loans for customers, and takes a 10% commission from the borrower

A way to make it easier to get a loan by using a credit score. The startup’s idea is to use a credit score to determine whether a borrower is a good risk, then offer them a loan.

A credit card company that lets you borrow from your credit card to pay for things and roll it over for up to a year if you can’t pay it back.

A peer-to-peer credit marketplace that matches borrowers and investors in the US

A Bitcoin-based micro-loan startup, which aims to change the way the global $300 billion micro-lending market works by focusing on unbankable borrowers.

A decentralized marketplace for peer-to-peer lending, where lenders can lend to borrowers globally, with no minimum amount and no origination fees.

A student loan refinancing platform from Y Combinator alum Brick Road, launched in August with $10 million in venture funding. Brick Road talks about helping borrowers get lower rates than the ones offered by banks, and promising a “low-cost, low-equity” funding source.