R2 is currently listed as Acquired in the Y Combinator directory.

Who competes with R2?

R2 competes in the Fintech category against Pesto, Tally, Laminate, Kredi, Prospa and other Y Combinator-backed companies.

R2 alternatives: 12 options compared

Q: What are the best alternatives to R2?

The closest alternatives to R2 are Pesto, Tally, Laminate. This page compares 12 alternatives on what each one does, funding stage, team size and operating status.

Q: Which R2 alternative should I choose?

Pesto is the closest match to what R2 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.

TL;DR: If you are replacing R2, the closest options are Pesto, Tally, Laminate. 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 R2 (YC Winter 2021).

Last verified: 2026-07-01

What are the best alternatives to R2?

The three closest alternatives to R2 are:

Pesto — works in the same Fintech category (YC Winter 2021).
Tally — works in the same Fintech category (YC Winter 2025).
Laminate — works in the same Fintech category (YC Winter 2023).

R2 alternatives compared

Alternative	What it does	Stage	Team	Status
Pesto	—	YC Winter 2021	8	Active
Tally	—	YC Winter 2025	2	Active
Laminate	—	YC Winter 2023	—	Active
Kredi	Rocket Mortgage for LatAm.	YC Winter 2021	66	Active
Prospa	Banking for businesses	YC Winter 2021	70	Active
Duplo	Venmo for B2B in Africa	YC Winter 2022	13	Active
Satchel	—	YC Summer 2018	8	Inactive
Lenk	The next-gen lending platform for the banking system in LATAM.	YC Winter 2022	18	Active
Apurata	Point of sale financing for Latin America's middle class.	YC Summer 2019	12	Active
Facio	Salary advance to employees in Brazil.	YC Winter 2020	36	Active
Lendflow	Embedded lending infrastructure for software companies	YC Winter 2021	55	Active
Sivo	Debt as a service for companies to lend money to their users at scale.	YC Winter 2021	15	Active

Which R2 alternative should I choose?

It depends on your size. Pesto is the closest match on what R2 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 R2 still active?

R2 has been acquired, which often means pricing, roadmap or support changes. That is the usual reason people start looking at this list.

How was this list put together?

Every company here is Y Combinator-backed and was matched to R2 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.

Looking to save on Fintech tools? Browse our vetted lifetime SaaS deals from verified vendors.

Built by LemStudio

Building or buying SaaS? Try our founder tools →

Explore related

Loading interactive view…