Worth, a FinTech platform modernising onboarding and underwriting for SMBs across financial institutions, has closed a $30m Series A funding round.
The round was led by Fulcrum Equity Partners, with participation from Amex Ventures and TTV Capital.
The company is tackling what it sees as a long-standing inefficiency in financial services: whilst consumers can be approved for credit in a matter of seconds, small business owners are often stuck in onboarding workflows that can take days or even weeks.
Worth’s platform uses patented crosswalking technology to enable high match rates across business identity in real time, allowing institutions to onboard customers in seconds. Its artificial intelligence (AI)-powered solution consolidates credit assessments, Know Your Business, Know Your Customer, banking and fraud detection into a single, seamless platform — enabling faster and more accurate credit decisions at scale.
The company says it is already seeing adoption among global financial institutions, with a growing enterprise client base spanning payment processors, financial institutions and FinTechs, all using Worth to reduce operational inefficiencies and accelerate access to capital for small businesses.
The Series A proceeds will be directed towards refining Worth’s existing technology, introducing Know Your Agent frameworks, and rolling out new product updates — most notably its Decision Intelligence tool. The agentic AI system combines verified identity data, network intelligence, risk signals, machine learning models and customisable decision workflows to generate real-time decisions across onboarding, underwriting and fraud prevention. All decisions made through the platform are auditable and traceable in line with compliance and regulatory requirements.
Worth co-founder and CEO Sal Rehmetullah said, “Financial institutions have been forced to make critical underwriting decisions on incomplete, fragmented data for far too long. At Worth, we’ve built a global infrastructure layer that unifies business identity, risk and financial signals into a single, real-time decisioning engine. Our platform isn’t just improving onboarding speed; it’s fundamentally redefining how institutions onboard and underwrite small businesses at scale.
“With our agentic AI-powered Decision Intelligence, we’re enabling automated, auditable, real-time decisions that give financial institutions confidence in every outcome. This investment allows us to accelerate that vision and bring to market what we believe is the future: a one-click, global onboarding experience through the Worth Wallet, enabling financial institutions to instantly onboard businesses with speed, accuracy and trust.”
Worth chief evangelist and co-founder Suneera Madhani said, “We built Worth to fix a system that wasn’t working. Not just for small businesses, but for the financial institutions trying to serve them. When underwriting is fragmented and onboarding is slow, everyone loses. At Worth, we’re giving institutions the data infrastructure to move faster, make better decisions and unlock access to capital at scale. Because when financial institutions win, small businesses finally get the experience they deserve. This funding allows us to accelerate that mission and redefine how financial services are delivered to the backbone of our economy.”
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