Diligence memo · auto-generated · as of July 2, 2026
Sparrow Lending Pbc
Sparrow Lending Pbc looks under-valued against its niche peers and is dormant on financing cadence.
Businessfiled
Sparrow Lending Pbc 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
Sparrow Lending Pbc has raised $6.7M in disclosed capital across 2 recorded rounds, aggregated from public filings. Its latest round is modeled as Series A (a $4.0M–$15M round).
Largest single filing: $5.8M on 2021-12-09.
Most recent recorded round closed around 2021-12-09.
Valuation (modeled)modeled
Provath models Sparrow Lending Pbc at approximately $92M (range $7.6M–$360M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Under-valued. Modeled value is 0.64× the median modeled value of Series A Fintech companies in 2019–2021 (31 peers) — value vs value, same stage and era.
Financing rhythm & timingmixed
Historic cadence: a new round about every 9 months.
Last raise 4.6 yr ago; this sector typically re-raises about every 12 months.
Silent for over 3× the sector's normal cadence.
The last round stepped up 6.5× from the prior — scaling.
Comparablesmixed
Capital scale ranks ahead of 87% of Fintech peers (1063 compared).
Modeled value ranks above 88% of those peers.
Closest niche peers: Tesorio, Inc., Imprint Payments, Inc., Otis Wealth, Inc., Aella Credit, Oxygen, Inc..
Peoplefiled
5 named people on file across officers, directors and signatories.
Risks & flagsmixed
Financing has been silent well beyond sector cadence — possibly defunct, acquired, or paused.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.