Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 48 companies across 1 category.
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Founded in 2020 as a Y Combinator-backed API startup aimed at unlocking fragmented HR and payroll data. The core thesis was that employment infrastructure is siloed across 20,000+ systems, creating friction for fintech and HR platforms. Finch has expanded from a read-only payroll data API into a full read-write unified employment API — enabling deductions management, benefits automation, and write-back capabilities — positioning itself as the Plaid for employment data. As of 2023 it was cash-flow positive before its $40M Series B, indicating strong product-market fit with retirement, lending, and benefits platform customers.
Other Unified Payroll/HRIS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/finch/install" width="1" height="1" alt="" style="display:none">48 companies disclose Finch in their stack in the Embedded Finance Index 2026, including TD Bank Group, Thoropass, Pry, UKG, TempoPay, Mosaic, Rillet, Paycor, CandorIQ, Toast and 2 others.
Finch is an embedded-finance provider in Unified Payroll/HRIS. It ranks #1 of 23 Unified Payroll/HRIS providers by disclosed buyers.
The most-disclosed Unified Payroll/HRIS alternatives to Finch are Apideck (9 buyers), Argyle (8 buyers), Atomic (7 buyers), Remote (7 buyers), Merge (6 buyers) and Pinwheel (5 buyers).
Finch was founded by Jeremy Zhang and is founded in 2020, headquartered in San Francisco, CA, USA.
Finch has raised $43.5M+ in total.
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