Company profile: TomoCredit
1.1 - Company Overview
Company description
- Provider of an AI financial wellness platform that uses real-time cash flow and credit data to generate consumer profiles and expand inclusive credit access. Offerings include TomoCredit Card, which requires no credit history, reports to all three bureaus, and supports weekly payments to build credit; TomoBoost, which reports bill payments to credit bureaus; and World Elite Mastercard benefits, protections, and rewards.
Products and services
- TomoBoost: A bureau-integrated service that links users’ bill payments, reports verified on-time activity to credit bureaus, and targets major credit-score factors to accelerate score improvements
- TomoCredit Card: An AI-driven card that approves without credit history, reports to all three major credit bureaus, and uses expedited weekly payments to build users’ credit scores
- World Elite Mastercard Benefits: A World Elite-standard package delivering DoorDash and ShopRunner memberships, Lyft credits, Priceless Cities rewards, cellphone and ID protection, zero liability on unauthorized purchases, and global assistance
Key contacts
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Financial details
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1.2 - Competitors and similar companies to TomoCredit
3Delta Systems
HQ: United States
Website
- Description: Provider of a software services platform offering products that add real value to procurement and payment processes, including robust, easy-to-deploy payment solutions.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
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- Total funding raised: $●●●m
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Car IQ
HQ: United States
Website
- Description: Provider of a payments platform that lets vehicles initiate, validate, and complete secure transactions without credit cards by connecting directly to merchants. Uses vehicle data for fuel payments (pump unlock, spending limits), automated toll management with ledger integration, and service & repair payments via direct connections to repair centers.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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PPRO
HQ: United Kingdom
Website
- Description: Provider of digital payments infrastructure for banks, payment platforms, acquirers, and merchants. Through one connection, clients access local payment methods; a modular acquiring platform as a service; funds flow management for cross-border remittance, reconciliation, tax, and FX; and risk tools for fraud detection, chargeback management, and exposure analysis to scale checkout, acquiring, and risk services.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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GoHenry
HQ: United Kingdom
Website
- Description: Provider of a kids money management app and customizable debit card for 6 to 18-year-olds, combining web and mobile apps with parental controls. Offers real-time spending limits and monitoring, automatic allowance, chore incentives, savings goals, and in-app financial education through Money Missions with videos and quizzes, giving young people hands-on experience in earning, saving, and spending responsibly within a safe environment.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Payfare
HQ: Canada
Website
- Description: Provider of instant payout, digital banking and loyalty-reward solutions for the gig workforce, offering a full-service digital bank account with instant access to earnings, optional debit payment cards with cash back on fuel and everyday purchases, and a mobile banking app for instant deposits, bill payments, syncing with other bank accounts, and everyday transactions.
- 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 Payfare 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 TomoCredit
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Buyer group 2: ████████ ████████
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Buyer group 3: ████████ ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to TomoCredit
2.2 - Growth funds investing in similar companies to TomoCredit
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4 - Top valuation comps for TomoCredit
4.2 - Public trading comparable groups for TomoCredit
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