# Proximitty

> Proximitty is the AI operating system for commercial lending. It builds regulator-grade AI agents that chase and ingest borrower documents, spread financials, generate credit memos, monitor covenants, and service loans across their full lifecycle - helping FDIC-insured banks, credit unions, and fintechs underwrite faster and scale their loan books without scaling headcount.

- **Founded:** 2025
- **Headquarters:** San Francisco, California, United States
- **Founders:** Wye Yew Ho (Co-founder & CEO), Zi Zhang (Co-founder & CTO)
- **Team size:** 2-3
- **Products:** Document Ingestion & Reconciliation, Credit Analysis, Portfolio Monitoring & Servicing, Custom Loan Operations (Servicing Studio)
- **Notable:** Accepted into Y Combinator's Winter 2026 batch, Backed by CRV, Cohen Circle, and Uphonest Capital, with angels from Stripe and OpenAI, Presented at FinovateSpring 2026

## Products & services

- **Document Ingestion & Reconciliation** — AI agents that request, chase, and ingest borrower documents - financial statements, rent rolls, tax returns, debt schedules - and reconcile discrepancies in real time, including from blurry scans and handwritten notes.
- **Credit Analysis** — Automated financial spreading and credit memo generation from ingested documents, using the institution's exact business logic, with edge-case learning and audit-ready outputs.
- **Portfolio Monitoring & Servicing** — A unified data layer that tracks covenants, closing requirements, and borrower obligations, with automated covenant monitoring, breach escalation, and early-warning detection.
- **Custom Loan Operations (Servicing Studio)** — Turn a standard operating procedure or screen recording into a production-ready AI agent that executes any action on any interface, without engineering resources.

## Achievements

- Accepted into Y Combinator's Winter 2026 batch
- Backed by CRV, Cohen Circle, and Uphonest Capital, with angels from Stripe and OpenAI
- Presented at FinovateSpring 2026
- Reported helping a fintech cut its servicing team from 15 to 2 and redeploy staff to close $20M in new originations in one quarter
- Claims 5x faster underwriting (under 10 days to close) and 8x analyst efficiency (6,500 loans per FTE)

## Latest updates

- **2026-01** — Joined Y Combinator's Winter 2026 batch and launched its loan servicing agent.
- **2026-01** — Closed early seed funding with Y Combinator, CRV, Cohen Circle, and Uphonest Capital.
- **2026** — Presented at FinovateSpring 2026, demoing autonomous loan servicing and collections.

## Links

- Website: https://proximitty.ai
- LinkedIn: https://www.linkedin.com/company/proximitty-ai/
- Twitter/X: https://x.com/WyeYew

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Profile page: https://yespress.io/proximitty-yc-w26
Published by YesPress — https://yespress.io
Last updated: 2026-07-30