# Nova Credit

> Nova Credit is a San Francisco-based credit infrastructure and analytics company that helps lenders extend credit responsibly to people traditional bureaus miss. Founded in 2016 by three Stanford classmates, it operates as a consumer reporting agency built around three products: Credit Passport, which translates a newcomer's international credit history into a U.S.-readable report; Cash Atlas, a cash flow underwriting tool that reads consumer-permissioned bank transaction data; and Income Navigator, which automates income and employment verification. Banks and lenders including American Express, HSBC, Chase, and PayPal use Nova Credit to reach credit-invisible and thin-file consumers.

- **Founded:** 2016
- **Headquarters:** San Francisco, California, United States
- **Founders:** Misha Esipov (Co-Founder and CEO), Nicky Goulimis (Co-Founder (former COO)), Loek Janssen (Co-Founder and CTO)
- **Team size:** Approximately 96 employees
- **Products:** Credit Passport, Cash Atlas, Income Navigator, Nova Credit Platform
- **Notable:** Built the world's first cross-border credit reporting system (Credit Passport)., Became the first company authorised as a cross-border credit information provider in the U.K., Signed marquee lenders including American Express, HSBC, Chase, and PayPal.

## Products & services

- **Credit Passport** — The world's first cross-border credit reporting system, which translates a consumer's international credit history into a standardized, U.S.-readable credit report so newcomers can access financial services without starting from zero.
- **Cash Atlas** — A cash flow underwriting product that uses consumer-permissioned bank transaction data to give lenders real-time visibility into income, spending, and financial health for more accurate credit decisions.
- **Income Navigator** — An automated income and employment verification tool that reduces friction and improves accuracy in the application and underwriting process.
- **Nova Credit Platform** — A unified credit data onboarding and underwriting platform that brings Nova Credit's data sources, compliance framework, and analytics together for lenders and housing operators.

## Achievements

- Built the world's first cross-border credit reporting system (Credit Passport).
- Became the first company authorised as a cross-border credit information provider in the U.K.
- Signed marquee lenders including American Express, HSBC, Chase, and PayPal.
- American Express reported accounts approved via Nova Credit were 79% less likely to become delinquent than domestic prime borrowers.
- Raised roughly $160M in total venture funding across five rounds.
- Backed by Kleiner Perkins, General Catalyst, Index Ventures, Canapi Ventures, and Y Combinator.

## Latest updates

- **2025-10** — Raised $35M Series D led by Socium Ventures (backed by Cox Enterprises) to accelerate the Nova Credit Platform and cash flow underwriting.
- **2025-09** — PayPal selected Cash Atlas to power cash flow underwriting across its consumer credit products.
- **2025-09** — Chase announced it will deploy Cash Atlas and use Credit Passport for international credit data.
- **2024-09** — BMO partnered with Nova Credit to help newcomers to North America build financial history.
- **2024** — Launched the Nova Credit Platform, unifying credit data onboarding and underwriting.

## Links

- Website: https://novacredit.com
- LinkedIn: https://www.linkedin.com/company/nova-credit-inc./
- Twitter/X: https://twitter.com/nova_credit
- Instagram: https://www.instagram.com/novacredit/
- Facebook: https://www.facebook.com/novacredit/

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Profile page: https://yespress.io/nova-credit
Published by YesPress — https://yespress.io
Last updated: 2026-07-18