Companies · Fintech

Patriot Pay, LLCNew on the radar

MANCHESTER · Fintech · refined from filed group “Other Health Care

Diligence memoA one-page analyst read on Patriot Pay, LLC — recommendation, valuation, rhythm, risks.
$275K
Total raised · real
1
Rounds
Latest step-up
Top 33%
Sector rank · raised
Pre-Seed
Latest stage · inferred · Thu Feb 05 2026 00:00:00 GMT+0000 (Coordinated Universal Time)

Patriot Pay, LLC looks under-valued against its niche peers and is active on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.47× the median modeled value of Pre-Seed Fintech companies in 2025–2027 (9 peers) — value vs value, same stage and era.
Active
  • Last raise 5 mo ago; this sector typically re-raises about every 12 months.
  • Raising on or ahead of the sector's normal rhythm.

Procedural diagnosis est. — rule-based common-sense checks over the filing pattern, issuer name, activity cadence, and surfaced operating evidence.

Issuer-vehicle patternmedium confidence

Patriot Pay, LLC behaves more like a recurring private-offering issuer than a conventional venture-backed operating company.

Issuer structure
Company-like
No recurring-offering pattern strong enough to override normal financing interpretation.
Lifecycle
0.4 yr record
Peak capital year was 2026 with $275K across 1 filings.
Market position
ahead of 68% of Fintech peers
Capital scale is ahead of 68% of Fintech peers; modeled value is above 66% of peers by modeled value. Large capital with mid-pack modeled value can signal an issuer/program profile rather than operating-company growth.
Valuation reliability
Normal applicability
Stage/dilution valuation models are weakest when the issuer is broad-sector, recurring, or vehicle-like.
Operating evidence
Sparse
No clear CEO/founder/principal role is surfaced, so operating-company confidence is lower.
Data quality
Consistent
Canonical totals and visible filing detail are broadly aligned.
What triggered this
  • Legal name looks like an issuer vehicle rather than a product company.
  • No clearly named CEO/founder/principal role in the public records surfaced here.
  • No verified homepage on the profile yet.
  • Capital program peaked in 2026: $275K across 1 filings.
  • Largest single filing was $275K on 2026-02-05.
How to read the page
  • Read this less like a startup funding journey and more like a capital-raising program.
  • Stage-based valuation and peer labels have lower applicability for this pattern.
Leadership

No named principal in this company's public records yet — see all operators below.

Explore how these operators interlock with other companies in the operator network.

Where it sits in Fintech

Patriot Pay, LLC is one of 1063 Fintech companies tracked from MANCHESTER. By capital raised it ranks mid-pack (ahead of 68% of sector peers), and mid-pack by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
4
Investors (latest)
2023
Year incorporated
2026-02-05
First sale
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$250K$500K$750K$1.0MPre-Seed · 2026-02-05 Raised $275K (real) Modeled valuation $549K (est)$275K$549KPre-Seed2026

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Pre-Seed$275K · 2026

Stages are modeled from round size (public records carry no series label). Ladder is contiguous — every modeled rung has a record.

Modeled valuation trajectory
$549K
Base estimate est.
$176K
Conservative case
$1.1M
Upside case
$1.5M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Pre-Seeda round under $1.0M). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Not enough modeled valuation points to chart a trajectory.

Model inputs · modeled:benchmark-stage-stepup-v1
18%
Dilution assumption
Implied ownership sold in the financing.
29%
Survival probability
12% low · 53% high
1.74×/yr
Annual markup
2.35×/yr upside case
0.4 yr
Elapsed time used
0.4 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
Avg between rounds
Capital velocity
0.4 yr
On record since
2026
First round
New
First-time filer
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 0.1× of median
This company$275K
Sector median$4.3M
Latest round — vs other Pre-Seed rounds in sector (real $, this stage) 0.5× of median
This company$275K
Sector median$550K
Modeled value — vs sector median (estimate, all stages) 0.0× of median
This company$549K
Sector median$45.1M

Raised more than 68% of sector peers (real $). Modeled value above 66% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Pre-Seed) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #8 of 9.

This companyCohort peer
$100K$1.0M$10.0M$10K$100K$1.0M$10.0MCapital raised (log)Woliz · Pre-Seed Raised $2.2M · modeled $4.5M (est)NjiaPay · Pre-Seed Raised $1.0M · modeled $3.5M (est)EasyBank · Pre-Seed Raised $370K · modeled $1.3M (est)Hc Lending Llc · Pre-Seed Raised $450K · modeled $1.2M (est)Stream Pay Platforms Africa Inc. · Pre-Seed Raised $500K · modeled $1.2M (est)Cinergy Wealth LLC · Pre-Seed Raised $400K · modeled $1.0M (est)Circuit Pay, Inc. · Pre-Seed Raised $200K · modeled $731K (est)Gaingels Nova Credit LLC · Pre-Seed Raised $112K · modeled $362K (est)Patriot Pay, LLC (this company) Raised $275K · modeled $549K (est)Patriot Pay, LLC
CompanyStageRaised · realValue · estvs peer med.
WolizPre-Seed$2.2M$4.5M3.91×
NjiaPayPre-Seed$1.0M$3.5M3.02×
EasyBankPre-Seed$370K$1.3M1.10×
Hc Lending LlcPre-Seed$450K$1.2M1.05×
Stream Pay Platforms Africa Inc.Pre-Seed$500K$1.2M1.00×
Cinergy Wealth LLCPre-Seed$400K$1.0M0.88×
Circuit Pay, Inc.Pre-Seed$200K$731K0.63×
Patriot Pay, LLC this companyPre-Seed$275K$549K0.47×
Gaingels Nova Credit LLCPre-Seed$112K$362K0.31×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Pre-Seed$275K2026-02-05$1.5M$549K90%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Pre-Seed$275K2026-02-05
    • First recorded raise — entered as Pre-Seed.
    • 4 investors on this round.
Intelligence
Modeled next raise
$440K
Modeled next size est.range $286K$704K
Last step-up
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Key people & operators

Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.

PersonRoleAlso runsTied since
Matthew P Kaplan2026-02
Registry & provenance

Patriot Pay, LLC is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
2105365
SEC CIK
2023
Incorporated
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
Circuit Pay, Inc.FintechPre-Seed$200K$731Ksame sector · same stage
Cinergy Wealth LLCFintechPre-Seed$400K$1.0Msame sector · same stage
Wealthmeup Inc.FintechPre-Seed$135K$509Ksame sector · same stage
Gaingels Nova Credit LLCFintechPre-Seed$112K$362Ksame sector · same stage
Valens Pay Global LtdFintechPre-Seed$100K$599Ksame sector · same stage
HizoFintechSeed$100K$315Ksame sector
Low Tide Private Lending, LLCFintechSeed$6.2M$1.0Msame sector
1stCollabFintechsame sector
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
HealthBridge Financial, Inc.HealthtechSeries B$86.7M81%
Keystone Dental Holdings, Inc.HealthtechSeries B$424.9M79%
Health Payment Holdings, LLCHealthtechSeed$55.5M79%
Patriot Investment Group, LLCOtherPre-Seed$11.6M79%
PayPill LLCOther Health CareSeries A$84.8M78%
HealthChain Holdings LLCHealthtechPre-Seed$13.4M78%
Spyn Pay, Inc.FintechPre-Seed$17.5M78%
NED Medical, Inc.HealthtechSeries A$22.2M78%
Frequently asked
How much funding has Patriot Pay, LLC raised?
Patriot Pay, LLC has raised approximately $275K in disclosed capital across 1 recorded financing round, aggregated from public filings.
What is Patriot Pay, LLC's estimated valuation?
Provath's modeled valuation for Patriot Pay, LLC is approximately $549K (modeled range $176K–$1.1M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Patriot Pay, LLC at?
Patriot Pay, LLC's latest modeled financing stage is Pre-Seed. Its most recent recorded round closed around Thu Feb 05.
What does Patriot Pay, LLC do and where is it based?
Patriot Pay, LLC operates in the Fintech sector, based in MANCHESTER.
Explore related

See where Patriot Pay, LLC sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.

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