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TomoCredit

Fintech · San Francisco, US

Credit card and credit-building fintech using cash-flow-based underwriting (no FICO).

Founders

Kristy Kim (South Korea · ♀) — A Korean immigrant who moved to San Francisco at 11, she found herself a credit-invisible ghost after Berkeley and investment banking, repeatedly rejected for loans despite a good income, so she founded TomoCredit in 2018 to give immigrants and students access to credit.
Dmitry Kashlev (Russia · ♂) — A Russian immigrant who experienced the same credit-invisibility struggle as a foreign national, he co-founded TomoCredit with Kristy Kim in 2019 as CTO to build cash-flow-based credit infrastructure.

Date	Round	Amount
Jul 2022	Funding round TomoCredit, a US no-FICO credit-building fintech, raised $22M at a $222M valuation.	$122M
Sep 2021	Series A TomoCredit, a credit-building card for first-time borrowers, raised a $10M Series A co-led by Kapor Capital and KB Investment.	$10M

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