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14,448 startups · 29 programs

Accend

Active · AI agents for commercial underwriting at banks and fintechs

WebsiteYC profile

Why it ranks

How the rank works
16signal of 100 · rising 5
  • team of 18Team size · YC's directory+6.6
  • went through YCProgram · this site+4
  • 2 programsMore than one program · this site+3
  • hiringHiring · Titles (titles.fru.dev), YC+2

A sum of public facts, not a judgement and not investment advice.

Competitors

AIPibit.aiShared: commercial underwriting, intake, readyYC W21San FranciscoStartup →AITesorioShared: cash flowYC S15San FranciscoStartup →AIPanaxShared: cash flow, bank, fintechPlug and PlayUnited StatesStartup →AIOntemShared: cash flow, commercialspeedrun SR007New YorkStartup →AIRelativity6Shared: commercial underwritingPlug and PlayUnited StatesStartup →
Companies closest to Accend
Company
Pibit.aiShared: commercial underwriting, intake, readyYC W21ActiveAI
TesorioShared: cash flowYC S15ActiveAI
PanaxShared: cash flow, bank, fintechPlug and Play Not statedAI
OntemShared: cash flow, commercialspeedrun SR007Not statedAI
Relativity6Shared: commercial underwritingPlug and Play Not statedAI

Adjacent

DataVector ML AnalyticsShared: flow modeling, cash flow, fintechPlug and PlayUnited StatesStartup →OtherBukukasShared: financial statement, cash flow, application500 Global 2019United StatesStartup →OtherFinnomenaShared: portfolio management, financial, application500 Global 2016ThailandStartup →OtherCollectoShared: cash flowAntler 2025IndiaStartup →AIRima AI (formerly Garage)Shared: automate document, finance, auditYC S22AustinStartup →
Companies next to Accend
Company
Vector ML AnalyticsShared: flow modeling, cash flow, fintechPlug and Play Not statedData
BukukasShared: financial statement, cash flow, application500 Global 2019Not statedOther
FinnomenaShared: portfolio management, financial, application500 Global 2016Not statedOther
CollectoShared: cash flowAntler 2025Not statedOther
Rima AI (formerly Garage)Shared: automate document, finance, auditYC S22ActiveAI, Data

Also from S23 in AI

All of S23
AICascaMake Banking MagicalYC S23San FranciscoStartup →AICedalioAI agents that automate AP, procurement, and financeYC S23San FranciscoStartup →AIAgentCollectB2B debt collection powered by AI agentsYC S23San FranciscoStartup →AIAlgunaAI-Native CPQ & Billing for Modern Pricing ModelsYC S23LondonStartup →AIBretton AIAI-native operations for the banksYC S23San FranciscoStartup →AICampfireThe AI Native ERP for the fastest growing companies.YC S23San FranciscoStartup →
Company
CascaMake Banking Magicalteam of 40hiringActiveAI
CedalioAI agents that automate AP, procurement, and financeteam of 62 programsActiveAI, Data
AgentCollectB2B debt collection powered by AI agentsteam of 42ActiveAI
AlgunaAI-Native CPQ & Billing for Modern Pricing Modelsteam of 10hiringActiveAI
Bretton AIAI-native operations for the banksteam of 34hiringActiveAI
CampfireThe AI Native ERP for the fastest growing companies.team of 105hiringActiveAI

Programs

Programs Accend went through
ProgramCohortSource
Y CombinatorS23YC Page
Plug and PlayNot statedPlug and Play Page

About Accend

Accend helps commercial banks and fintechs underwrite business customers faster, win more deals and increase revenue. We provide an end-to-end platform to automate document intake, financial statement / tax spreading, cash flow modeling, credit memos and portfolio management, with audit-ready AI and human-in-the-loop accuracy. Companies like Corpay, Brex, Rippling, Rho, Column, Settle, and many others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting efficiency Before starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.

YC batch
S23 · Summer 2023
Status, per YC
Active
Category
AI
Team size
18
Checked
6h ago

YC tags: Fintech, Generative AI, Finance, AI

Changes seen

Joined a programOct 5, 2026

Joined Plug and Play.

Source ↗

Accend in S23: 220 companies, 78% AI

Accend: questions

Which YC batch was Accend in?

Accend was in Y Combinator's Summer 2023 batch (S23).

Which accelerators did Accend go through?

Accend is listed by Y Combinator (S23), Plug and Play.

Is Accend still active?

Y Combinator lists Accend as active.