Overview
One-liner
Autonomous loan servicing and collections
Investors
Y Combinator, CRV, Cohen Circle, Uphonest Capital
Funding round
Seed
Funding notes
CRV, Cohen Circle, and Uphonest confirmed via YC jobs listing. Angels from Stripe and OpenAI also mentioned. Total raise beyond YC not disclosed.
Funding source
Why it's interesting
Market trends shaping Proximitty
- 1Cash-flow underwriting (via Plaid/MX) displacing FICO for thin-file borrowers
- 2Embedded lending in B2B SaaS becoming a default monetization layer
- 3Private credit funds replacing banks for middle-market loans
- 4AI-driven collections lifting recoveries 20–40% on charged-off books
- 5Small-business credit reinventing after the SVB and PPP shake-out
- 6Real-time underwriting on stablecoin rails opening new EM markets
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