About Nova Credit
Nova Credit is a Financial Services company based in San Francisco (United States) founded in 2016 by Misha Esipov. Nova Credit is focused on consumer credit data solutions. It operates on a Data-as-a-Service and FinTech model in Financial Services and Technology sectors. Nova Credit has raised $156.25 million across 10 funding rounds from investors including Kleiner Perkins, Pear VC and Canapi Ventures. Its chief executive, as recorded, is Misha Esipov. Its website novacredit.com draws about 214 thousand monthly visits. Its Indian entity Instalogic Technologies Private Limited reported revenue of ₹1.77 Cr. Nova Credit offers products and services including Cash Atlas™, Credit Passport®, Income Navigator, and Nova Credit Platform. Its focus areas include Consumer Credit and Credit Data Solutions. Its competitors include TransUnion, Equifax and Juvo; 1 of its 3 listed competitors has raised funding.
Company details
Nova Credit is engaged in providing consumer credit data solutions through a unified platform. Data is sourced from international credit bureaus, bank aggregators, payroll systems, and documents. The company serves industries such as banks, fintech, credit unions, auto lenders, and tenant screening. Solutions are offered to reach new consumers, reduce portfolio risk, automate income verification, and integrate multi-source data. Operations are conducted globally with compliance under the Fair Credit Reporting Act in the U.S.
- Headquarters San Francisco, United States
- Founders Misha Esipov
- SectorsFinancial ServicesTechnology
- Email••••••••
- Website novacredit.com
- Social LinkedIn X Facebook Instagram
- Legal Name Nova Credit Inc.
- Date of Incorporation 01 Jun, 2016
- Jurisdiction New Delhi, Delhi, India
- Indian entity revenue₹1.77 Cr
FY 2025 · -38% YoY
- Indian entity net profit₹14 Lakh
FY 2025 · 8% margin
- Indian entity EBITDA₹18.7 Lakh
FY 2025 · 11% margin
- Total Equity Funding$156.25M (USD)
in 10 rounds
- Latest Funding Round$35M (USD), Series D
Oct 2025
- InvestorsKleiner Perkins
& 21 more
Associated legal entities of Nova Credit
Nova Credit operates through Instalogic Technologies Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Instalogic Technologies Private Limited CIN U72900DL2016PTC300719 | Active | 01 Jun 2016 | New Delhi, Delhi | ₹1.8 Cr | 3 | View details |
Products & Services of Nova Credit
Nova Credit offers a comprehensive portfolio of products and services, including Cash Atlas™, Credit Passport®, Income Navigator, and Nova Credit Platform.
Credit risk is assessed using bank transaction data.
Newcomers are approved quickly for mainstream credit terms.
Income verification is automated with reduced fraud risk.
Consumer credit data onboarding is scaled seamlessly here.
Funding Insights of Nova Credit
Nova Credit has successfully raised a total of $156.25M across 10 strategic funding rounds. The most recent funding activity was a Series D round of $35 million completed in October 2025. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $156.25M
- Total Rounds 10
- Last Round Series D — $35M
- Investors Count 22
All 10 funding rounds of Nova Credit with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Oct 2025 | $35M | Series D | – | Socium Ventures | |
| Oct 2023 | $45M | Series C | – | Canapi Ventures | |
| Sep 2022 | $10M | Series B | – | – | |
| Feb 2020 | $50M | Series B | – | Kleiner Perkins | |
| May 2018 | $16M | Series A | – | General Catalyst | – |
| Jun 2017 | $250,000 | Seed | – | Financial Solutions Lab | – |
| Sep 2016 | $1.55M | Debt – Conventional | – | – | – |
| Sep 2016 | $1.55M | Debt – Conventional | – | – | – |
| Sep 2016 | Seed | – | – | ||
| Aug 2016 | Seed | – | – |
22 investors in total: 20 institutional and 2 angel.
Investors in Nova Credit
Nova Credit has secured backing from 22 investors, including venture fund, institutional, and angel investors. Prominent investors backing the company include Kleiner Perkins, Pear VC and Canapi Ventures.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Investing in B2B software and fintech for the financial services economy. | canapi.com | |||
Investment and transformation services for entrepreneurs in technology and finance sectors. | generalcatalyst.com | |||
Venture capital investments in technology startups and entrepreneurs. | indexventures.com | |||
Venture capital firm investing in early-stage tech startups | 1972 | kleinerperkins.com | Menlo Park, United States | |
Early-stage startups are supported by Avid Ventures through investments. | avidventures.com | New York, United States | ||
Early-stage startups are accelerated via funding and educational programs. | ycombinator.com | Mountain View, United States | ||
Growth-stage tech investments are targeted in the US and Japan. | geodesiccap.com | Foster City, United States | ||
Expansion-stage venture investing is offered by Harmonic Growth Partners. | harmonicgp.com | Chevy Chase, United States | ||
An evergreen venture fund backed by Cox Enterprises | sociumventures.com | Atlanta, United States | ||
Venture capital funding is provided by HSBC-backed firm in London. | ventures.hsbc.com | London, United Kingdom |
Investor details for Nova Credit
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
Board of directors of Instalogic Technologies Private Limited (Nova Credit)
Instalogic Technologies Private Limited is the primary company behind Nova Credit. The board of Instalogic Technologies Private Limited currently have 3 directors; the longest-serving is Shatrughan Kumar Roy, appointed in 2016. 1 earlier director has ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Shatrughan Kumar Roy DIN 07373811 | Director | 01 Jun 2016 | 10 yrs 4 mo | Instalogic Technologies Private Limited |
| Subhash Saini DIN 07373814 | Director | 01 Jun 2016 | 10 yrs 4 mo | Instalogic Technologies Private Limited |
| Mikhail S Esipov DIN 07637459 | Director | 17 Oct 2016 | 10 yrs | Instalogic Technologies Private Limited |
People of Nova Credit
50 people are tracked at Nova Credit (14 in leadership, 4 in board & advisors, 32 in team).
| Name | Role | Group |
|---|---|---|
Misha Esipov | Co-Founder & CEO | Leadership |
Collin Galster | Chief Operating Officer | Leadership |
Cloris Guo | Head Of Global Partnerships | Leadership |
Lindsie Hartman | Senior Channel Partner Manager | Leadership |
Sophie Heriot | Associate Director, International Accounts | Leadership |
Yacine Azmi | VP, Engineering | Leadership |
Brock Leong | Head Of Consumer Lending | Leadership |
Jonathan Hwang | Head Of Financial Services | Leadership |
Katie McNally | Director, Demand Generation And Field Marketing | Leadership |
Hale Ahangi | Director, People & Talent | Leadership |
Ryan Nier | GC, Chief Compliance Officer, & Head of People | Leadership |
Tyrone Chen | Director Of Software Engineering | Leadership |
Shivam Patel | Head Of Customer Delivery | Leadership |
Anna Cottle | Sr. Director, Product & Regulatory Legal | Leadership |
Ilya Fushman | Board Observer | Board & advisors |
Nicky Goulimis | Board Member | Board & advisors |
Jeffrey Reitman | Board Member | Board & advisors |
Mark Goldberg | Board Member | Board & advisors |
Flora Cortez Anthony | Sr. Executive Assistant & Workplace Manager | Team |
Alyssa Nickow | Software Engineer | Team |
30 more people are available in the full profile.
Complete people profiles for Nova Credit
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
Financials of Nova Credit
Figures of Instalogic Technologies Private Limited, the primary company behind Nova Credit, for FY 2025. Revenue was ₹1.77 Cr (-38% year on year). Net profit was ₹14 Lakh (8% margin). EBITDA was ₹18.7 Lakh (11% margin). Revenue has grown at a compounded annual rate of +202% over three years and +81% over five years.
- ₹1.77 CrRevenue · FY 2025 · -38% YoY
- ₹14 LakhNet profit · 8% margin
- ₹18.7 LakhEBITDA · 11% margin
- ₹1,000Paid-up capital
- +202%Revenue CAGR, 3 years
- +81%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Instalogic Technologies Private Limited are on its company page.
Detailed financial statements for Nova Credit
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
- Statement rows
- Financial ratios
- Five-year trends
- Downloads
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Timeline of Nova Credit
3 dated milestones of Nova Credit across 9 years, from founding to its latest funding, stage changes and deals.
- Founded Nova Credit is founded.
- Funding First funding round.
- Funding Latest funding round, Series D, of $35.0M.
Competitors of Nova Credit
Nova Credit has 3 listed competitors in our database, 1 of them funded. They include TransUnion, Equifax and Juvo.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| transunion.com | 1968 | Chicago, United States | 834 | Provider of credit scoring data for consumers and businesses | ||
| equifax.com | 1899 | Atlanta, United States | 1,691 | Credit score data is provided online for businesses and individuals. | ||
| juvo.com | 2014 | San Francisco, United States | $59.27M | 8 | Mobile data transactions are analyzed for alternative credit scoring solutions. |
Detailed competitors of Nova Credit
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of Nova Credit
The website of Nova Credit (novacredit.com) receives about 213.9K visits a month.
- Monthly visits213.9K
▲ 16.7% vs previous month
Websites whose visitors overlap most with Nova Credit. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| nerdwallet.com | 100% | 22.3M | #2,677 | View details | |
eb5brics.com | eb5brics.com | 96% | #2,158,989 | – | |
| sparrowfi.com | 95% | 81.3K | #335,721 | View details | |
| varomoney.com | 95% | 1.3M | #33,296 | View details | |
| muralpay.com | 95% | 139.1K | #280,780 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 25 similar websites and full traffic analytics for Nova Credit
The complete similar-websites list, audience overlap and engagement analytics require an active premium plan.
- 25 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
Verified entity values are shown only after access is granted.
Top companies in Banking & FinTech Platforms
3 companies that operate in the same segment as Nova Credit (Banking & FinTech Platforms) in United States, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Online business banking and financial workflow tools are provided. | 2010 | San Francisco, California, United States | USD 546 M | USD 2.71 M | 1,807 | |
Digital banking services are offered to individuals via mobile apps. | 2012 | San Francisco, California, United States | USD 3.15 B | USD 1.96 B | 2,516 | |
Digital sustainable banking services are offered to consumers. | 2013 | Los Angeles, California, United States | USD 865 M | 237 |
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Related news about Nova Credit
Complete news archive for Nova Credit
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Frequently Asked Questions about Nova Credit
Nova Credit was founded in 2016.
Nova Credit is headquartered in San Francisco, United States. It is registered at San Francisco, California, United States.
Misha Esipov is the CEO of Nova Credit, as recorded in our data. They have also founded this company.
Nova Credit is a funded company, having raised a total of $156.25M across 10 funding rounds to date.
The primary company behind Nova Credit, Instalogic Technologies Private Limited, reported revenue of ₹1.77 Cr for FY 2025, down 38% year on year.
Nova Credit is engaged in providing consumer credit data solutions through a unified platform. Data is sourced from international credit bureaus, bank aggregators, payroll systems, and documents. The company serves industries such as banks, fintech, credit unions, auto lenders, and tenant screening. Solutions are offered to reach new consumers, reduce portfolio risk, automate income verification, and integrate multi-source data. Operations are conducted globally with compliance under the Fair Credit Reporting Act in the U.S.
Nova Credit's top competitors include TransUnion, Equifax and Juvo.
Nova Credit offers Cash Atlas™, Credit Passport®, Income Navigator, and Nova Credit Platform.
Nova Credit has 22 investors. Key investors include Kleiner Perkins, Pear VC, Canapi Ventures, General Catalyst, and Index Ventures.
Nova Credit operates through Instalogic Technologies Private Limited.
The legal entities of Nova Credit currently have 3 directors, including Shatrughan Kumar Roy, Subhash Saini, Mikhail S Esipov.
The website of Nova Credit receives about 214 thousand visits a month.