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Company profile: Spectral

1.1 - Company Overview

Spectral Logo

Spectral

Headquarter: United States
Founded: 20XX🔒
Employees: 100-500🔒

Company description

  • Provider of a protocol for programmable creditworthiness, leveraging on-chain data to deliver credit risk insights that optimize partners’ business decisions and offerings, while enabling users to access new financial opportunities. Offers the Multi-Asset Credit Risk Oracle (MACRO) Score, an on-chain equivalent to a traditional FICO score.

Products and services

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Key contacts

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Financial details

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1.2 - Competitors and similar companies to Spectral

Monedo Logo

Monedo

HQ: Germany Website
  • Description: Provider of technology-driven financial services for the underbanked, using machine learning and non-traditional data to expand access to better credit and improve digital banking convenience; offerings include consumer loans and a digital wallet.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Monedo company profile →
Ratehub.ca Logo

Ratehub.ca

HQ: Canada Website
  • Description: Provider of a Canadian financial product comparison platform enabling users to compare mortgage, insurance, credit card, and banking product rates (e.g., savings accounts), find suitable options, and access an Education Centre with resources on mortgages, credit cards, insurance, and banking.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Ratehub.ca company profile →
Zilch Logo

Zilch

HQ: United Kingdom Website
  • Description: Provider of a direct-to-consumer ad-subsidised payments network offering a flexible buy now, pay later service that lets users purchase now and pay over 6 weeks with 0% APR and no fees, with rewards for paying in full.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Zilch company profile →
Earnest Logo

Earnest

HQ: United States Website
  • Description: Provider of student loan refinancing and personal loans, using technology that evaluates thousands of data points beyond credit scores—such as education, saving patterns, investments, and career—to offer low-interest loans to financially responsible, high-potential borrowers.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Earnest company profile →
StreetShares Logo

StreetShares

HQ: United States Website
  • Description: Provider of small business banking SaaS technology powering community banks, credit unions, and non-financial organizations, including a cloud-based digital lending platform to optimize business lending processes, engage borrowers digitally, and make data-driven decisions using machine learning.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full StreetShares company profile →
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2.M&A buyers

2.1 Potential strategic acquirers in the sector

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2.2 - Strategic buyer groups for Spectral

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Buyer group 1: ████████ ████████

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Description: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
Key Products: ████████, ████████, ████████, ████████
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Buyer group 2: ████████ ████████

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Description: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
Key Products: ████████, ████████, ████████, ████████
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Buyer group 3: ████████ ████████

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Description: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms

3.1 - Buyout funds investing in similar companies to Spectral

2.2 - Growth funds investing in similar companies to Spectral

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4 - Top valuation comps for Spectral

4.2 - Public trading comparable groups for Spectral

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4.3 - M&A Transactions similar to Spectral

Selected M&A transactions

Date Target Description Buyer(s) Relevance EV EV/Revenue EV/EBITDA
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Frequently Asked Questions

About Spectral

What does Spectral do?

Spectral is a provider of a protocol for programmable creditworthiness, leveraging on-chain data to deliver credit risk insights that optimize partners’ business decisions and offerings, while enabling users to access new financial opportunities. Offers the Multi-Asset Credit Risk Oracle (MACRO) Score, an on-chain equivalent to a traditional FICO score.

Who are Spectral's competitors?

Spectral's competitors and similar companies include Monedo, Ratehub.ca, Zilch, Earnest, and StreetShares.

Where is Spectral headquartered?

Spectral is headquartered in United States.

How many employees does Spectral have?

Spectral has 1,000 employees 🔒.

When was Spectral founded?

Spectral was founded in 2010 🔒.

What sector and industry vertical is Spectral in?

Spectral is in the Enterprise Software 🔒 sector and industry

M&A Buyers & Acquirers for Spectral

Who are the top strategic acquirers in Spectral's sector and industry

Top strategic M&A buyers and acquirers in Spectral's sector include ████████, ██████████, ██████, ████████, and ██████████ 🔒.

Which M&A buyer groups are most relevant for Spectral?

Top strategic M&A buyers groups and sectors for Spectral include █████████████████ , ████████████████, █████████████, ████████████, and ████████████████ 🔒.

Financial Investors investing in Spectral's sector and industry vertical

Which are the top PE firms investing in Spectral's sector and industry vertical?

Top PE firms investing in Spectral's sector and industry vertical include ████████, ██████████, ████████, and ██████████ 🔒.

Who are the top buyout funds acquiring in Spectral's sector and industry vertical?

Active PE funds and buyout funds acquiring companies in Spectral's sector and industry vertical include █████████, ██████████, ████████████, and ████████████ 🔒.

Who are the top growth equity funds investing in companies in Spectral's sector and industry vertical?

Growth funds and venture capital funds investing in companies similar to Spectral include █████████, ██████████, ████████████, and ████████████ 🔒.

Valuation benchmarks of companies in Spectral's sector and industry

Which are the key public companies that are relevant trading comps benchmarks for Spectral?

The key public trading comparables and valuation benchmarks for Spectral include █████████, ██████████, ████████████, and ████████████ 🔒.

Which are the key trading comparable groups for Spectral for public valuation benchmarks?

Our platform tracks detailed public trading comparable groups and valuation benchmarks for Spectral with complete valuation multiples, growth metrics, and profitability data. Access the full database to benchmark your company against relevant public comparables.

What are recent M&A transactions in Spectral's sector and industry vertical?

Our platform tracks relevant M&A transactions comparables and valuation benchmarks for Spectral with complete deal terms, valuation multiples, and strategic rationale. Access the full database to benchmark pricing and identify active acquirers.

What are recent capital raises and funding rounds in Spectral's' sector and industry vertical?

Access recent funding rounds and capital raises in Spectral's sector and industry vertical including growth equity, venture capital, and buyout investments. Our database includes round size, lead investors and valuations.

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