Worth AI has raised $20.0M in total across 1 funding round.
Worth AI's investors include TTV Capital.
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 $20.0M across 1 funding round. Most recently, it raised $20.0M Seed in March 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Mar 1, 2025 | $20.0M Seed | TTV Capital |
