CreditRich AI: Funding, Investors & Team (Oct 2026)
CreditRich is an AI-powered fintech neobank that helps consumers automatically increase their credit scores in real time by optimizing how their everyday bill payments are applied. Using advanced payment-routing algorithms, CreditRich analyzes users’ banking activity, credit reports, and bill obligations to strategically schedule and allocate payments for maximum FICO impact, using features like rounded-up spare change, automated pay-downs, and intelligent bill timing. CreditRich combines mobile banking, credit reporting, payments, and financial literacy tools into one seamless platform, giving users a faster, easier path to credit improvement and long-term wealth building. Partnered with major financial institutions and embedded in culturally relevant campaigns, CreditRich is uniquely positioned to serve the 134 million Americans with credit scores below 750, including underserved communities historically excluded from traditional credit systems. The platform leverages culturally resonant engagement strategies, celebrity partnerships, and community-driven financial education to scale rapidly while addressing a deeply entrenched national problem. CreditRich’s AI engine delivers real-time credit score growth, transforming everyday financial behavior into measurable progress and empowering users to access better loans, housing, insurance rates, and wealth opportunities. Built with a mission of economic justice, CreditRich is designed to become the global standard for automated credit optimization, providing consumers, partners, and institutions with a smarter, more equitable financial system.
CreditRich AI has raised $4.0M across 1 funding round on record, the most recent a Series A of $4.0M announced in Dec 2025.
That round is below the $6.0M median round size for Artificial Intelligence companies tracked on FundedIQ over the last two years.
CreditRich AI Company Profile and Key Stats
Latest funding round on record: Dec 2025.
CreditRich AI Funding Rounds
CreditRich AI Founders and Leadership Team
No contact details are on record for this team yet.
CreditRich AI Funding Compared to Other Artificial Intelligence Startups
CreditRich AI's latest round of $4.0M is below the median round in Artificial Intelligence. Medians cover the last 24 months of disclosed rounds.
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CreditRich AI Funding FAQs
What does CreditRich AI do?
CreditRich is an AI-powered fintech neobank that helps consumers automatically increase their credit scores in real time by optimizing how their everyday bill payments are applied. Using advanced payment-routing algorithms, CreditRich analyzes users’ banking activity, credit reports, and bill obligations to strategically schedule and allocate payments for maximum FICO impact, using features like rounded-up spare change, automated pay-downs, and intelligent bill timing. CreditRich combines mobile banking, credit reporting, payments, and financial literacy tools into one seamless platform, giving users a faster, easier path to credit improvement and long-term wealth building. Partnered with major financial institutions and embedded in culturally relevant campaigns, CreditRich is uniquely positioned to serve the 134 million Americans with credit scores below 750, including underserved communities historically excluded from traditional credit systems. The platform leverages culturally resonant engagement strategies, celebrity partnerships, and community-driven financial education to scale rapidly while addressing a deeply entrenched national problem. CreditRich’s AI engine delivers real-time credit score growth, transforming everyday financial behavior into measurable progress and empowering users to access better loans, housing, insurance rates, and wealth opportunities. Built with a mission of economic justice, CreditRich is designed to become the global standard for automated credit optimization, providing consumers, partners, and institutions with a smarter, more equitable financial system.
How much funding has CreditRich AI raised?
CreditRich AI has raised $4.0M across 1 round on record. The most recent is a Series A of $4.0M announced in Dec 2025.
When did CreditRich AI last raise funding?
CreditRich AI's most recent funding round on record is a Series A of $4.0M, announced in Dec 2025.
Who founded CreditRich AI?
FundedIQ lists Angel Rich (Founder) at CreditRich AI.
Where is CreditRich AI headquartered?
CreditRich AI is based in Washington, District of Columbia, United States.
How many employees does CreditRich AI have?
CreditRich AI is in the 11-50 employee band.
How does CreditRich AI's funding compare to other Artificial Intelligence startups?
CreditRich AI's latest round of $4.0M is below the $6.0M median round size for Artificial Intelligence companies on FundedIQ across 7,243 tracked companies over the last two years.
About FundedIQ's CreditRich AI Funding Data
FundedIQ tracks announced funding rounds and refreshes this profile every week. Round dates, stages and amounts are normalised to a single format, converted to US dollars, and de-duplicated: two records of the same round announced days apart are merged, and two genuinely different rounds are kept apart on the amounts they disclose. Amounts shown are the disclosed figures only — a round announced without a number is listed and excluded from the total rather than estimated.
Employee counts are reported bands, not exact headcounts. Founder and executive names carry the job title on record. Anything we do not hold for CreditRich AI is left off this page rather than filled in.
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