Banking lending

Altro

Website
Founded 2019Origin source ↗Checked 2026-09-15

Overview

Altro (altro.io) is a platform that enables members to build credit no matter who they are, where they are from, or their history of credit access/score. We serve the 68M people in the US (mainly Women and POC) who are denied credit due to historical bias and the lack of access that current banks provide to credit building and tools. (It wasn't until The Equal Credit Opportunity Act in the 1970's that Women and "Minorities" could even get fair access to credit)!

Altro has created a mobile that allows anyone to have access to credit, using their subscriptions as a means to start building their credit score. Altro lends to members a $75 Line of Credit to pay for their subscriptions, such as Netflix, Hulu, HelloFresh, etc. This card is built to solely work on the subscriptions that the member is already paying for, allowing them to securely use their $75 credit to build their credit using things they are already paying for.

Doing this empowers folx who were denied credit a way to start building their score and financial power. Altro will service millions of people in not only building their credit, but also gaining access to the tools (such as personal loans, emergency funds, car/house loans and more) that they could not access prior.

Company description As recorded 2026-11-08
GitHub
Banking lendingConsumer appConsumersConsumerTransaction fee

Founders & team

Previously Hatch Credit, Perch (Formerly Hatch Credit), Perch, Perch Credit, Perch, Altro

Company history As recorded 2026-11-08
29team members reported
Source-reported As recorded 2026-09-15

Founded 2019 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedLos Angeles, CA, USA; Remote
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The source reports an inactive or acquired company; current product identity needs review.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year
startup.observe Directory coverage · Sources & method