Banking lending

Stilt

Website

Stilt/Onbo enables you to launch credit products without a bank sponsor. We have built APIs to abstract complexity around licenses, regulatory compliance, underwriting, loan management system, credit reporting, and debt capital. We are backed by fintech investors including Y Combinator, Link Ventures, Hillsven Capital, Petrushka investments (

Founded 2015Origin source ↗Checked 2026-09-15

Overview

Stilt/Onbo enables you to launch credit products without a bank sponsor.

We have built APIs to abstract complexity around licenses, regulatory compliance, underwriting, loan management system, credit reporting, and debt capital.

We are backed by fintech investors including Y Combinator, Link Ventures, Hillsven Capital, Petrushka investments (early backer of Lending Club, Zillow, Check, Pets.com), and CEOs of billion-dollar fintech companies.

Company description As recorded 2026-11-08

Founders & team

Previously STILT, Stilt, Stilt (dba Onbo)

Company history As recorded 2026-11-08

Rohit Mittal

Founder/CEO

Working on new things, helping founders, and investing. Previously Cofounder/CEO of Stilt (W16, fintech company acquired by JGW). Raised $350M in debt, $1 billion in term sheets. Feel free to reach out if I can help. I got a lot of help and happy to pay it forward.

Founder profile As recorded 2026-09-15
35team members reported
Source-reported As recorded 2026-09-15

Founded 2015 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationsite error
Last website check2026-11-11
Location · source statedSan Francisco, CA, USA
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 corroborationdescriptive evidenceclassified market and modelsourced peoplesourced founding year