TomoCredit

Founded by Kristy Kim, TomoCredit's mission is to help build a more inclusive credit system. The company targets immigrants, international students, and young professionals who are often deemed "credit invisible" by conventional financial institutions. By connecting to an applicant's bank account, TomoCredit uses a proprietary machine learning algorithm to analyze financial data and determine creditworthiness based on cash flow rather than a FICO score. This approach allows them to provide access to credit for those who would otherwise be denied. The company issues the TomoCredit Mastercard®, which also aims to help users build a credit history over time.