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Fintech platform automating onboarding and underwriting for institutions.
Worth AI provides an AI-powered platform designed to streamline and automate onboarding and underwriting processes for financial institutions. Its core product unifies various workflows, from identity verification to risk assessment, leveraging proprietary AI algorithms and crosswalking technology to achieve faster approvals, enhanced compliance, and smarter risk management. The platform integrates real-time data on the small and medium-sized business market, offering a comprehensive suite of tools including pre-fill capabilities, continuous monitoring, and decision intelligence to reduce manual effort and mitigate bias.
The company was founded in 2023 by Sal Rehmetullah, Suneera Madhani, and Jacques Fu. Their insight stemmed from recognizing the inefficiencies and fragmented systems prevalent in traditional financial underwriting, particularly for SMBs. Building on prior experience scaling a fintech unicorn, the founders aimed to create a robust, AI-driven infrastructure that could deliver more accurate and inclusive financial decisions for a broader market.
Worth AI serves payment processors and financial institutions seeking to optimize their interactions with SMB clients. The company’s vision centers on fostering economic inclusion through equitable decision-making, providing a technological backbone that addresses financial access for businesses of all sizes. It is committed to building the foundational infrastructure for future financial services, ensuring reliability and intelligence in critical financial decisions.
Worth AI has raised $87.0M across 4 funding rounds.
Worth AI has raised $87.0M in total across 4 funding rounds.
Worth AI has raised $87.0M in total across 4 funding rounds.
Worth AI's investors include Fulcrum Equity Partners, Jim Douglass, Margaret Lim, TTV Capital, Neil Kapur, DeepWork Capital, Florida Funders, Florida Opportunity Fund, Ingeborg Investments, Silicon Valley Bank.
Worth AI is an Orlando-based fintech startup that builds an AI-powered platform automating onboarding, underwriting, and risk management for small and medium-sized businesses (SMBs), primarily serving banks, credit unions, fintechs, and financial service providers.[1][2][3] Its flagship product, the WorthScore™, generates a unified business credit score from over 1,100 data points, integrating KYB, KYC, IDV, fraud detection, and predictive analytics to accelerate approvals, reduce biases, and enable real-time risk monitoring—solving slow, manual processes that limit SMB access to capital.[2][3][4] With $5 million in seed funding (noted alongside a separate $25M reference possibly indicating total or error), a database of 242+ million SMBs, and partnerships like Equifax, Worth AI drives equitable lending and faster time-to-revenue amid rising demand for AI in fintech compliance.[1][2][4]
Worth AI was founded in 2024 by unicorn fintech veterans Sal Rehmetullah (Founder & CEO, ex-co-founder and President of Stax Payments, which scaled to $140M+ ARR) and Suneera Madhani, alongside leaders like Devon Wijesinghe (President, ex-EvidentID and CORL Technologies).[3][7] The idea emerged from their experience in payments and risk tech, aiming to revolutionize SMB underwriting with AI to boost data transparency, cut biases, and fuel economic equity—launching officially via PR Newswire with a patent-pending platform.[3] Early traction included securing seed funding (valued at $20-30M), building the world's largest SMB database, and forming an Equifax partnership for enriched data on millions of U.S. businesses, enabling rapid expansion into international markets across 146+ countries.[1][2][8]
(Note: A separate entity at worthai.net offers AI training/agents, but primary sources confirm the fintech focus here.[5])
Worth AI rides the AI-fintech wave, capitalizing on regulatory pressures for fair lending, post-pandemic SMB funding gaps, and the shift to real-time data amid rising fraud—timing aligns with institutions modernizing for compliance (e.g., AML/KYC) while scaling inclusivity.[2][3][4][6] Market forces like Equifax-scale data access and AI's ability to analyze non-traditional signals favor it, disrupting traditional credit bureaus that overlook SMBs (242M+ database edge).[1][2] As a minority-founded venture, it influences the ecosystem by promoting equitable underwriting, potentially unlocking billions in SMB capital and setting standards for AI-driven risk tech in a $1T+ global lending market.[3][4]
Worth AI is poised to scale its platform, enhancing UX, expanding AI features, and deepening disruptions in banks/fintechs via international growth and more partnerships—targeting broader financial equity for SMBs.[2] Trends like generative AI for compliance, embedded finance, and real-time global data will propel it, evolving its influence from niche underwriter to ecosystem leader in predictive fintech. This positions Worth AI to transform SMB lending much like its founders scaled Stax, fueling growth in an AI-accelerated economy.[1][3][7]
Worth AI has raised $87.0M across 4 funding rounds. Most recently, it raised $30.0M Series A in March 2026.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Mar 1, 2026 | $30.0M Series A | Fulcrum Equity Partners, Jim Douglass | Margaret Lim, TTV Capital |
| Mar 11, 2025 | $25.0M Debt / Seed | Neil Kapur | DeepWork Capital, Florida Funders, Florida Opportunity Fund, Ingeborg Investments, Silicon Valley Bank |
| Mar 1, 2025 | $20.0M Seed | TTV Capital | |
| Mar 14, 2024 | $12.0M Other Equity |