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Borrow Startup Ideas

2 years ago 2 views

A startup that makes it easier for people to borrow money from friends, family, and even strangers. The startup is currently only available in the UK, where it’s working with a handful of small businesses.

1,252

3 years ago

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

368

5 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.

240

4 years ago

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

222

4 years ago

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

220

4 years 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.

189

4 years 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.

186

5 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.”

176

5 years ago

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

172

4 years ago

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

163

3 years 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.

163

5 years ago

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

161

4 years 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.

159

5 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.

157

5 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.

156

5 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.

156

5 years ago

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

153

5 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.

151

5 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.

151

4 years 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.

148

5 years ago

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

145

5 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

143

5 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.

136

5 years ago

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

132

5 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.

130

3 years 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

130

5 years ago

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

129

5 years ago

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

122

3 years ago

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

122

5 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.

120

5 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”.

117

5 years ago

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

114

4 years 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.

109

5 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.

107

5 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.

107

5 years ago

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

98

4 years 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.

97

4 years ago

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

97

5 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.

90

4 years ago

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

88

4 years 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.

88

5 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.

87

4 years 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.

87

4 years 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.

82

4 years 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.

82

3 years ago

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

81

4 years 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.

79

4 years 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.

78

2 years ago

A new kind of consumer lending startup that engages customers in a way that allows them to become the lender to a peer group of friends and neighbors. Lending Club wants to build a decentralized peer-to-peer lending network where individuals can lend to or borrow from other individuals.

78

4 years 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.

77

3 years 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.

76

4 years 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.

75

4 years ago

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

72

4 years ago

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

72

4 years 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.

71

3 years 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.

71

4 years ago

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

70

3 years 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.

70

3 years 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.

69

4 years ago

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

68

4 years 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.

68

3 years 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.

68

3 years 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.

68

2 years ago

Targetted against India’s $200 billion non-banking finance (NBFC) market, BorrowBox is building a platform for people to borrow money from other people in their social network.

68

4 years 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.

67

3 years ago

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

67

4 years ago

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

66

4 years ago

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

65

4 years 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.

64

3 years 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.

64

3 years 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.

64

3 years 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.

62

2 years ago

A peer-to-peer app that allows users to borrow a friend’s phone and use it to sign into an app.

62

3 years ago

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

61

3 years 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.

60

5 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

59

4 years 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.

59

3 years ago

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

59

3 years 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.

58

3 years ago

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

57

3 years 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.

57

3 years ago

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

57

3 years ago

Idea:A platform for peer-to-peer lending that makes it easier for lenders to find and connect with borrowers.

54

4 years 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.

53

3 years 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.

53

3 years ago

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

52

3 years 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.

52

3 years 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.

50

2 years ago

A startup that wants to connect the credit system between lenders and borrowers in the US.

48

3 years 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.

47

3 years ago

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

47

3 years ago

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

46

3 years ago

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

46

3 years ago

A startup for books for kids to buy and borrow. The company wants to get beyond the traditional book fair by making it a place where kids can buy, sell and borrow.

46

3 years ago

Online services for struggling borrowers, like debt collectors and attorneys.

45

2 years ago

A startup that is building a one-stop-shop for people needing to get a loan from multiple banks. Right now, the plan is to build a simple website that would act as a way for a borrower to see all of their loan options, and compare rates. A person who needs to borrow $100,000 to buy a house could see the rates on different loans, and compare.

41

2 years ago

A platform that connects borrowers with lenders. The startup says that the average loan amount is $200.

41

2 years ago

A hybrid crowdfunding and peer-to-peer lending company that lets people borrow money to pay off high interest debt, starting with student loans.

40

3 years ago

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

39

2 years ago

A loan-gifting app that connects borrowers with friends and family who have extra money. The company plans to use the revenue from the app to fund its operations.

34

2 years ago

A “zero-cost credit score” that helps people see their borrowing options.

33

3 years ago

A platform that helps lenders manage their portfolios of loans, while helping borrowers manage theirs.

32

2 years ago

A student loan refinancing platform that’s gotten a $1.5 million investment. It’s used by over 3,000 borrowers.

30

2 years ago

A startup that has developed an iPhone app that allows users to borrow a bike from the same spot where they’ll be picked up, for a small fee. Focused on the UK.

27

2 years ago

"a platform for banks to make lending decisions online by aggregating credit risk data from a wide range of data sources, including social media, from borrowers and loan officers".

25

5 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.

21

2 years ago

Borrowing from the “Uber for X” trend, this online platform allows people to borrow things like cars, bikes, or even scooters, for a fee.

19

2 years ago

A system that enables corporations to buy technology using a new form of short-term borrowing. The company has a partnership with Microsoft which allows it to provide a large amount of cash at a low rate of interest.

17

2 years ago

A small-business lending platform that helps businesses borrow $10,000 to $500,000 on reasonable terms.

15

2 years ago 1 views

A mobile app that helps borrowers get more information about the loans they’ve taken out in the past.

14

2 years ago

A person-to-person lending marketplace, where borrowers can tap into a lender’s financial network to get loans.

14

2 years ago

The idea behind LoanTrax is to help automate the loan process, so that borrowers can be pre-qualified, pre-approved, and have their loan rolled over automatically. They’re working with over 100 companies.

12

5 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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