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Finosu

1 open1 filled
San Francisco, California, United StatesFounded 20245+ employeesSeed raisedSeedPrivate
Last round: seed · Jan 2026(2 rounds total)
AI Native Consumer Loan Servicer
Backed by(2 investors)
Y CombinatorSoma Capital

Finsou builds software to make lending more accessible through outsourced licensing and automated loan management systems.

YC S24

About the Company

Finosu is an AI-native loan servicer. What does that mean? Well, a servicer handles the communications and payment rails for lenders, think of it as customer support for lenders.

Where does the AI-native piece come in?

Usually, all that communication is staffed by thousands of humans in remote place like the Philippines, India and other English-speaking countries where people are doing arbitrage on cheap English speakers (one co-founder grew up near a couple). Now let’s remove all the humans doing that. Not just from the front-office, but the back office as well. At Finosu, we believe superior customer support comes from removing humans when there is no more bottlenecks on business hours, and everything is compliant default.

Tech Stack

NextJS frontend Python/Typescript Backend PostgreSQL Redis

Founders

Gabriel Vincent Kho
Gabriel Vincent Kho

Stanford grad. Ex-Flexport. AI consultant (not currently because I'm working on my own start-up). I'm currently working on fixing the problems I faced in the credit space while working at Alt.

Mark Ricciardi
Mark Ricciardi

Started in finance as a special situations private credit investor and then moved to tech to build productized credit instruments.

Ready to start your space career at Finosu?

Shipping like we're funded. We're not. No affiliation.

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