Companies · Fintech

SmartPath, Inc.Summer 2016Active

ATLANTA · GA, USA; Remote · Fintech · refined from filed group “Other Technology · founded 2016 · http://joinsmartpath.com

Diligence memoA one-page analyst read on SmartPath, Inc. — recommendation, valuation, rhythm, risks.
$4.4M
Total raised · real
2
Rounds
0.6×
Latest step-up
Top 18%
Sector rank · raised
Seed
Latest stage · inferred · Fri Oct 09 2020 00:00:00 GMT+0000 (Coordinated Universal Time)

SmartPath, Inc. looks fair against its niche peers and is dormant 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.

Fair
  • Modeled value is 1.00× the median modeled value of Seed Fintech companies in 2019–2021 (34 peers) — value vs value, same stage and era.
  • Within the normal band (100% of peer median) for its niche.
Dormant
  • Last raise 5.7 yr ago; this sector typically re-raises about every 12 months.
  • Silent for over 3× the sector's normal cadence.
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

SmartPath, Inc. is one of 1063 Fintech companies tracked from ATLANTA, GA, USA; Remote, on record since 2016. By capital raised it ranks in the upper tier (ahead of 83% of sector peers), and in the upper tier by modeled valuation est..

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

AI analyst read est. — model-extracted from this company's public description, not a verified fact. 30%

operates a technology-led product inferred from public copy

Grounded in: “You are a venture analyst

Financial wellness for the middle class

SmartPath is a financial wellness company based in Atlanta, GA. We offer unique workplace financial wellness programs centered around 1-on-1 financial coaching. SmartPath wellness programs are designed to increase the bottom line for both employers and employees.

Fintech
Find SmartPath, Inc. online

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
4
Investors (latest)
2016
Year incorporated
2020-10-09
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$25M$50M$75M$100MSeed · 2019-01-24 Raised $2.8M (real) Modeled valuation $98M (est)$2.8M$98MSeed2019Seed · 2020-10-09 Raised $1.6M (real) Modeled valuation $49M (est)$1.6M$49MSeed2020+$1.6MCumulative $4.4M

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
Seed$2.8M · 2019
Seed extension$1.6M · 2020

Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 50%.

Modeled valuation trajectory
$48.5M
Base estimate est.
$1.4M
Conservative case
$353.6M
Upside case
$7.9M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Seeda $1.0M–$4.0M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Seed · modeled $98.1M · 2019-01-242019Seed · modeled $48.5M · 2020-10-092020
Model inputs · modeled:benchmark-stage-stepup-v1
20%
Dilution assumption
Implied ownership sold in the financing.
38%
Survival probability
17% low · 60% high
1.62×/yr
Annual markup
2.13×/yr upside case
5.7 yr
Elapsed time used
5.7 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
21 mo
Avg between rounds
$2.6M/yr
Capital velocity
7.4 yr
On record since
2019
First round
2
Rounds on file
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) 1.0× above median
This company$4.4M
Sector median$4.3M
Latest round — vs other Seed rounds in sector (real $, this stage) 0.8× of median
This company$1.6M
Sector median$2.0M
Modeled value — vs sector median (estimate, all stages) 1.1× above median
This company$48.5M
Sector median$45.0M

Raised more than 83% of sector peers (real $). Modeled value above 84% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (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 #18 of 34.

This companyCohort peer
$10.0M$100.0M$1.0B$1.0M$10.0M$100.0MCapital raised (log)Paymob · Seed Raised $3.5M · modeled $116.7M (est)Alude Holdings Ltd. · Seed Raised $3.3M · modeled $110.6M (est)Stitch · Seed Raised $4.0M · modeled $102.5M (est)Chari · Seed Raised $5.0M · modeled $95.2M (est)Diool · Seed Raised $3.5M · modeled $89.7M (est)Planet42 · Seed Raised $2.4M · modeled $84.5M (est)Fan Payment Solutions LP · Seed Raised $2.1M · modeled $74.0M (est)Indicina, Inc. · Seed Raised $4.5M · modeled $73.6M (est)Kwara · Seed Raised $4.0M · modeled $70.0M (est)Workpay · Seed Raised $2.1M · modeled $69.8M (est)Allied Payment Network Inc. · Seed Raised $9.1M · modeled $65.9M (est)NowPay · Seed Raised $2.1M · modeled $64.5M (est)SmartPath, Inc. (this company) Raised $4.4M · modeled $48.5M (est)SmartPath, Inc.
CompanyStageRaised · realValue · estvs peer med.
PaymobSeed$3.5M$116.7M2.39×
Alude Holdings Ltd.Seed$3.3M$110.6M2.27×
StitchSeed$4.0M$102.5M2.10×
ChariSeed$5.0M$95.2M1.95×
DioolSeed$3.5M$89.7M1.84×
Planet42Seed$2.4M$84.5M1.73×
Fan Payment Solutions LPSeed$2.1M$74.0M1.52×
Indicina, Inc.Seed$4.5M$73.6M1.51×
KwaraSeed$4.0M$70.0M1.44×
WorkpaySeed$2.1M$69.8M1.43×
Allied Payment Network Inc.Seed$9.1M$65.9M1.35×
NowPaySeed$2.1M$64.5M1.32×
SmartPath, Inc. this companySeed$4.4M$48.5M1.00×
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.
Seed$2.8M2019-01-24$13.9M$98.1M90%
Seed$1.6M2020-10-09$7.9M$48.5M90%
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. Seed$2.8M2019-01-24
    • First recorded raise — entered as Seed.
    • 7 investors on this round.
  2. Seed$1.6M2020-10-09
    • Raised again after 20 mo — slower than the ~12 mo sector norm.
    • Round 1.8× smaller than the prior — bridge or down round.
    • 4 investors on this round.
Intelligence
2022 ~Q2
Modeled next raise · ~21mo cadence
$1.6M
Modeled next size est.range $1.6M$2.5M
0.6×
Last step-up
$2.6M/yr
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
Gardiner Garrard5 other2019-01
Alok Deshpande1 other2019-01
David Maritirano2019-01
Karim Shariff2019-01
Mark Miles2019-01
Registry & provenance

SmartPath, Inc. 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
1766326
SEC CIK
2016
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
Remedial HealthFintechSeed$4.4M$52.7Msame sector · same stage
DuploFintechSeed$4.3M$52.6Msame sector · same stage
Indicina, Inc.FintechSeed$4.5M$73.6Msame sector · same stage
WealthForge Holdings, Inc.FintechSeed$4.1M$7.2Msame sector · same stage
Coverage Cat Inc.FintechSeed$4.0M$52.7Msame sector · same stage
EarnipayFintechSeed$4.0M$63.7Msame sector · same stage
Floatpays IncFintechSeed$4.0M$65.7Msame sector · same stage
KwaraFintechSeed$4.0M$70.0Msame sector · same stage
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
PeakPath
Smartwatch powered coaching to improve teams sustainable performance
78%
SafePath Medical, Inc.HealthtechSeed$30.5M76%
RehabPath Inc.Other TechnologySeries A$24.8M74%
FirstPath, Inc.Other Health CareSeed$43.4M74%
finHealth, Inc.Other TechnologyPre-Seed$16.7M74%
Dealpath, Inc.Other TechnologySeries A$116.8M74%
Path
Financial advisors for Gen-Z
Fintech73%
Leanpath, Inc.Business ServicesSeries A$19.5M73%
Frequently asked
How much funding has SmartPath, Inc. raised?
SmartPath, Inc. has raised approximately $4.4M in disclosed capital across 2 recorded financing rounds, aggregated from public filings.
What is SmartPath, Inc.'s estimated valuation?
Provath's modeled valuation for SmartPath, Inc. is approximately $48.5M (modeled range $1.4M–$353.6M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is SmartPath, Inc. at?
SmartPath, Inc.'s latest modeled financing stage is Seed. Its most recent recorded round closed around Fri Oct 09.
What does SmartPath, Inc. do and where is it based?
SmartPath, Inc. operates in the Fintech sector, based in ATLANTA, GA, USA; Remote. Financial wellness for the middle class
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