Who competes with Facio?

Facio competes in the Fintech category against Pesto, Tally, Lendtable, Abhi, bxblue and other Y Combinator-backed companies.

Facio alternatives: 12 options compared

Q: What are the best alternatives to Facio?

The closest alternatives to Facio are Pesto, Tally, Lendtable. This page compares 12 alternatives on what each one does, funding stage, team size and operating status.

Q: Which Facio alternative should I choose?

Pesto is the closest match to what Facio does. Larger teams in the comparison table generally offer more support and a longer track record, while earlier-stage companies tend to compete on price.

Q: Is Facio still active?

Facio is currently listed as Active in the Y Combinator directory.

TL;DR: If you are replacing Facio, the closest options are Pesto, Tally, Lendtable. The table below compares 12 alternatives on what they do, stage, size and status.

Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Facio (YC Winter 2020).

Last verified: 2026-04-21

What are the best alternatives to Facio?

The three closest alternatives to Facio are:

Pesto — works in the same Fintech category (YC Winter 2021).
Tally — works in the same Fintech category (YC Winter 2025).
Lendtable — We give employees cash advances for their 401k match and ESPP (YC Summer 2020).

Facio alternatives compared

Alternative	What it does	Stage	Team	Status
Pesto	—	YC Winter 2021	8	Active
Tally	—	YC Winter 2025	2	Active
Lendtable	We give employees cash advances for their 401k match and ESPP	YC Summer 2020	20	Active
Abhi	Abhi is Pakistan's 1st financial wellness platform focusing on…	YC Summer 2021	10	Active
bxblue	bxblue is a marketplace for people with guaranteed income in Brazil.…	YC Summer 2017	28	Acquired
Landed	White-labeled shared appreciation down payment programs for employers	YC Winter 2016	2	Acquired
GIMO	We help underbanked workers get paid before payday	YC Winter 2022	70	Active
Dayra	Data-driven embedded Financial Services for Gig Workers	YC Winter 2021	10	Active
Wagetap	Advance next payday, and BNPL for bills	YC Winter 2022	10	Active
Verde	Digital lending platform for Brazilian farmers	YC Summer 2021	4	Inactive
Satchel	—	YC Summer 2018	8	Inactive
Kovi	Making car ownership more inclusive, flexible and simple.	YC Winter 2019	890	Acquired

Which Facio alternative should I choose?

It depends on your size. Pesto is the closest match on what Facio actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.

Is Facio still active?

Facio is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.

How was this list put together?

Every company here is Y Combinator-backed and was matched to Facio on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.

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