TL;DR: If you are replacing Stilt, 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 Stilt (YC Winter 2016).
Last verified:
The three closest alternatives to Stilt are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Pesto | — | YC Winter 2021 | 8 | Active |
| Tally | — | YC Winter 2025 | 2 | Active |
| Laminate | — | YC Winter 2023 | — | Active |
| Zeal | Modern payroll for modern work | YC Summer 2019 | 45 | 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 |
| Facio | Salary advance to employees in Brazil. | YC Winter 2020 | 36 | Active |
| R2 | Embedded lending infrastructure | YC Winter 2021 | 100 | Acquired |
| Legalist | Legal investment firm | YC Summer 2016 | 40 | Active |
| Nexu | Financing platform for LatAm car dealerships. | YC Winter 2020 | 63 | Active |
| bxblue | bxblue is a marketplace for people with guaranteed income in Brazil.… | YC Summer 2017 | 28 | Acquired |
It depends on your size. Pesto is the closest match on what Stilt 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.
Stilt has been acquired, which often means pricing, roadmap or support changes. That is the usual reason people start looking at this list.
Every company here is Y Combinator-backed and was matched to Stilt 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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