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Clay logo — Launch and Fund Your Lending Program with Clay's Brandable C...

Clay

Launch and Fund Your Lending Program with Clay's Brandable Credit™ Platform

Founded 2023 United Kingdom London, United Kingdom 9 employees Series D Total: $115.00M

General Information

Company Name Clay
Founded Year 2023
Location United Kingdom London, United Kingdom
Employees 9
Funding Stage Series D
Business Model B2B, PaaS, API
Revenue Model Subscription, Usage Based, Service Fee
Social

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About Clay

Clay is positioning itself as a pivotal player in the fintech landscape by enabling tech-enabled businesses to launch bespoke lending programs. Launched in 2023, this United Kingdom-based startup offers an innovative solution with its Brandable Credit™ Platform, allowing businesses to offer seamless lending experiences under their own brands. Through a comprehensive platform and API, Clay provides a full lending stack, streamlining the process from origination to servicing without redirecting users to third-party sites.

The company's recent traction includes a Seed Round investment on January 24, 2024, led by Pepper Advantage, highlighting investor confidence in Clay's potential to revolutionize fintech lending solutions. As it supports tech-first businesses in launching lending programs with minimal coding, Clay is strategically positioned to capture a growing market interested in customized financial services.

Business keywords: LendTech, Debt-as-a-Service, Brandable Credit, Lending Platform, API Integration, Debt Capital, Loan Servicing, Tech-Enabled Lending, Fintech Solutions, SaaS Originator, Consumer Credit, Lending Technology

Services & Products

Brandable Credit Platform
Debt Capital Access
Loan Servicing APIs
Credit Intelligence Monitoring
Underwriting Models
Compliance Management
Portfolio Performance Reporting

Target Customers

Lending Originators Fintech Startups Banks Financial Institutions Developers Building Lending Solutions

Funding Rounds & Investors (2)

View All
Funding Stage Amount Investors Lead Investors Date
Series D $115.00M 11
Bloomberg Beta BoxGroup CapitalG
Bloomberg Beta, BoxGroup +9
10 Sep 2026
Seed Round Undisclosed 1
Pepper Advantage
Pepper Advantage
24 Jan 2024

Latest News

View All
Clay raises $115m at a $7.1bn valuation, more than double its 2025 price — Thenextweb
Clay raises $115m at a $7.1bn valuation, more than double its 2025 price
Thenextweb Sep 10, 2026
Startups are clamping down on internal AI slop: ‘You’re losing so much’ — Sifted
Startups are clamping down on internal AI slop: ‘You’re losing so much’
Sifted Aug 19, 2026
Former Google and Apple Researchers Launch a Startup to Build AI’s Missing Feedback Loop — Wired
Former Google and Apple Researchers Launch a Startup to Build AI’s Missing Feedback Loop
Wired May 27, 2026
Intercom expands to Berlin with new AI R&D Hub and 100 jobs — Tech
Intercom expands to Berlin with new AI R&D Hub and 100 jobs
Tech Nov 23, 2025
Conversion Raises $28 Million in Series A — Thesaasnews.com
Conversion Raises $28 Million in Series A
Thesaasnews.com Aug 04, 2025

Clay Alternatives & Competitors

View All Alternatives
Clay vs
TIMVERO
TIMVERO United Kingdom

Your lending stack, built on an AI-powered Building Platform you actually own

Seed
15 employees
Clay vs
Mifundo
Mifundo Estonia

Data-solution which enables cross-border lending for people and banks in Europe

Seed
18 employees
Clay vs
LendFoundry
LendFoundry United States

Full stack technology platform for lenders to run lending products digitally

76 employees
Fintech, Information Technology
View all alternatives

FAQ About Clay

Launch and Fund Your Lending Program with Clay's Brandable Credit™ Platform
Clay was founded in 2023.
Clay is headquartered in London, United Kingdom.
Clay has a B2B, PaaS and API business model. Its revenue comes from Subscription, Usage Based and Service Fee.
Clay has approximately 9 employees.
Clay has completed 2 funding rounds, raising a total of $115.00M. The latest funding stage is Series D.
Clay offers: Brandable Credit Platform, Debt Capital Access, Loan Servicing APIs, Credit Intelligence Monitoring, Underwriting Models, Compliance Management, Portfolio Performance Reporting.
Top alternatives and competitors to Clay include TIMVERO, Mifundo, LendFoundry, Focus NFe, finperks. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Clay and TIMVERO are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Clay, https://bouncewatch.com/company/clay, updated 25 September 2026. When citing, please name BounceWatch and link this page.

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