Diligence memo · auto-generated · as of July 2, 2026
Bloom Credit, Inc
Bloom Credit, Inc looks under-valued against its niche peers and is at-risk on financing cadence.
Businessfiled
Bloom Credit, Inc operates in Fintech, based in NEW YORK.
No verified homepage on file yet — operating evidence is limited to the public record.
Capital & rounds (filed)filed
Bloom Credit, Inc has raised $21M in disclosed capital across 7 recorded rounds, aggregated from public filings. Its latest round is modeled as Series A (a $4.0M–$15M round).
Largest single filing: $8.7M on 2020-10-05.
Most recent recorded round closed around 2023-09-08.
Valuation (modeled)modeled
Provath models Bloom Credit, Inc at approximately $15M (range $2.6M–$39M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Under-valued. Modeled value is 0.23× the median modeled value of Series A Fintech companies in 2022–2024 (32 peers) — value vs value, same stage and era.
Financing rhythm & timingmixed
Historic cadence: a new round about every 12 months.
Last raise 2.8 yr ago; this sector typically re-raises about every 12 months.
Past due for a raise versus sector cadence — watch for distress or a bridge.
The last round stepped up 1.5× from the prior — scaling.
Comparablesmixed
Capital scale ranks ahead of 93% of Fintech peers (1063 compared).
Modeled value ranks above 75% of those peers.
Closest niche peers: Thndr, Peach Payments, Bite Ninja, Inc., Kinside Inc., Plerk Holdings LLC.
Peoplefiled
7 named people on file across officers, directors and signatories.
Risks & flagsmixed
Overdue for a raise versus sector norm — distress or bridge risk.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.