# StellarFi

> StellarFi is an Austin-based fintech and public benefit corporation that helps people build credit without taking on debt. Members link recurring bills - rent, utilities, streaming, phone - and StellarFi pays them, then reports the on-time payments to the major U.S. credit bureaus each month. Founded in 2021 by serial entrepreneur and former U.S. Marine Lamine Zarrad, the company targets the roughly 150 million Americans with thin files or credit scores below 680, turning ordinary monthly bills into a path to a better score. The product has since expanded into a tiered, behavior-based credit card.

- **Founded:** 2021
- **Headquarters:** Austin, Texas, United States
- **Founders:** Lamine Zarrad (Founder & CEO)
- **Team size:** ~20 employees (small team; planned to roughly double headcount after Series A)
- **Products:** StellarFi Bill-Pay Credit Builder, Credit Dashboard & Smart Action Plan, StellarFi Credit Card
- **Notable:** Reached $1M ARR in 134 days and over $2M ARR within seven months of launch, Average member credit score increase of 26 points in the first month, Reported zero defaults with a sophisticated fraud-detection system

## Products & services

- **StellarFi Bill-Pay Credit Builder** — A subscription service that links members' recurring bills (rent, utilities, phone, subscriptions), pays them on the member's behalf, and reports the on-time payments to the major U.S. credit bureaus each month - building credit without loans, deposits, or credit checks.
- **Credit Dashboard & Smart Action Plan** — Score tracking with AI-generated, personalized monthly recommendations and curated offers to help members find the next move that grows their credit.
- **StellarFi Credit Card** — A behavior-based Visa card offered in tiers (Silver secured, Gold semi-secured, Stellarite unsecured) that adjusts spending limits and rewards as members demonstrate responsible use, approved on income and banking history rather than credit score.

## Achievements

- Reached $1M ARR in 134 days and over $2M ARR within seven months of launch
- Average member credit score increase of 26 points in the first month
- Reported zero defaults with a sophisticated fraud-detection system
- Raised $22M+ total across seed and Series A
- Named to Built In Austin's Future 5 (Q4 2022) emerging startups
- Structured as a Public Benefit Corporation tying profit to social mission

## Latest updates

- **2022-03** — Emerged from stealth and closed a $7M+ seed round to overhaul the American credit system.
- **2023-03** — Raised $15M Series A led by Acrew Capital, bringing total funding to $22M, with plans to double headcount.
- **2026-01** — Website now features an expanded, tiered behavior-based StellarFi credit card (Silver/Gold/Stellarite) alongside the bill-pay credit builder.

## Links

- Website: https://stellarfi.com
- LinkedIn: https://www.linkedin.com/company/stellarfi
- Twitter/X: https://twitter.com/getStellarFi
- YouTube: https://youtube.com/@StellarFi
- Instagram: https://instagram.com/getstellarfi
- Facebook: https://facebook.com/GetStellarFi

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Profile page: https://yespress.io/stellarfi
Published by YesPress — https://yespress.io
Last updated: 2026-06-12