Tomo Credit

TomoCredit builds an AI-powered credit card platform intended to make credit accessible to people without a credit history or a credit score. Its machine learning systems replace traditional credit checks with AI-based underwriting and loan decisioning, and the TomoCredit credit card is offered without fees or interest rates. The company reports that it has helped more than 3 million people gain access to credit.

The technical work spans machine learning, AI underwriting and loan decisioning, AI financial advising, and real-time data with intelligent automation. Alongside its credit card, the company offers TomoBoost, an AI financial advisor designed to help users spend, save, and manage their finances using real-time data and automated guidance.

Headquartered in San Francisco, TomoCredit operates in the financial services, banking, credit and lending, and consumer fintech sectors. The company states a mission focused on financial inclusion for those excluded by traditional financial institutions, and it describes its team as 90% immigrants and people of colour, with a stated commitment to non-discrimination based on race, status, or age.