Companies · Fintech

Tesorio, Inc.Summer 2015Active

BURLINGAME · CA, USA; Burlingame, CA, USA; Remote · Fintech · refined from filed group “Other Technology · founded 2015 · https://www.tesorio.com

Diligence memoA one-page analyst read on Tesorio, Inc. — recommendation, valuation, rhythm, risks.
$18.3M
Total raised · real
2
Rounds
1.7×
Latest step-up
Top 9%
Sector rank · raised
Series A
Latest stage · inferred · Tue Jul 30 2019 00:00:00 GMT+0000 (Coordinated Universal Time)

Tesorio, Inc. looks over-valued 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.

Over-valued
  • Modeled value is 2.29× the median modeled value of Series A Fintech companies in 2019–2021 (31 peers) — value vs value, same stage and era.
Dormant
  • Last raise 6.9 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

Tesorio, Inc. is one of 1063 Fintech companies tracked from BURLINGAME, CA, USA; Burlingame, CA, USA; Remote, on record since 2015. By capital raised it ranks among the largest (ahead of 92% of sector peers), and among the largest 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

Tesorio is the cash flow performance platform that helps finance…

Tesorio is the world’s first and only cash flow performance platform. It empowers CFOs and finance teams to boost profits by using artificial intelligence to better manage, predict, and collect cash.

B2BFintechSaaSai/ml
Find Tesorio, Inc. online

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
29
Investors (latest)
2019-07-30
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$125M$250M$375M$500MSeries A · 2018-04-23 Raised $6.9M (real) Modeled valuation $198M (est)$6.9M$198MSeries A2018Series A · 2019-07-30 Raised $11M (real) Modeled valuation $328M (est)$11M$328MSeries A2019+$11MCumulative $18M

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
Series A$6.9M · 2018
Series A extension$11.4M · 2019

Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed, Seed — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 33%.

Modeled valuation trajectory
$328.0M
Base estimate est.
$15.0M
Conservative case
$1.8B
Upside case
$52.0M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Series Aa $4.0M–$15M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Series A · modeled $198.0M · 2018-04-232018Series A · modeled $328.0M · 2019-07-302019
Model inputs · modeled:benchmark-stage-stepup-v1
22%
Dilution assumption
Implied ownership sold in the financing.
53%
Survival probability
29% low · 72% high
1.51×/yr
Annual markup
1.90×/yr upside case
6.0 yr
Elapsed time used
6.9 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
15 mo
Avg between rounds
$14.5M/yr
Capital velocity
8.2 yr
On record since
2018
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) 4.3× above median
This company$18.3M
Sector median$4.3M
Latest round — vs other Series A rounds in sector (real $, this stage) 1.9× above median
This company$11.4M
Sector median$6.1M
Modeled value — vs sector median (estimate, all stages) 7.3× above median
This company$328.0M
Sector median$45.1M

Raised more than 92% of sector peers (real $). Modeled value above 94% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Series A) 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 #1 of 31.

This companyCohort peer
$100.0M$1.0B$1.0M$10.0M$100.0MCapital raised (log)Imprint Payments, Inc. · Series A Raised $14.0M · modeled $324.3M (est)Otis Wealth, Inc. · Series A Raised $14.2M · modeled $312.1M (est)Aella Credit · Series A Raised $10.0M · modeled $286.8M (est)Oxygen, Inc. · Series A Raised $23.9M · modeled $236.4M (est)Stilt Inc. · Series A Raised $18.1M · modeled $234.5M (est)Alphaflow, Inc. · Series A Raised $21.0M · modeled $200.2M (est)Bulk MRO Industrial Supply, Inc. · Series A Raised $6.6M · modeled $188.4M (est)Lulalend · Series A Raised $6.5M · modeled $186.4M (est)Verto · Series A Raised $10.0M · modeled $171.0M (est)Kudi Inc. · Series A Raised $5.9M · modeled $168.6M (est)TeamApt · Series A Raised $5.5M · modeled $157.7M (est)Tesorio, Inc. (this company) Raised $18.3M · modeled $328.0M (est)Tesorio, Inc.
CompanyStageRaised · realValue · estvs peer med.
Tesorio, Inc. this companySeries A$18.3M$328.0M2.29×
Imprint Payments, Inc.Series A$14.0M$324.3M2.26×
Otis Wealth, Inc.Series A$14.2M$312.1M2.18×
Aella CreditSeries A$10.0M$286.8M2.00×
Oxygen, Inc.Series A$23.9M$236.4M1.65×
Stilt Inc.Series A$18.1M$234.5M1.64×
Alphaflow, Inc.Series A$21.0M$200.2M1.40×
Bulk MRO Industrial Supply, Inc.Series A$6.6M$188.4M1.31×
LulalendSeries A$6.5M$186.4M1.30×
VertoSeries A$10.0M$171.0M1.19×
Kudi Inc.Series A$5.9M$168.6M1.18×
TeamAptSeries A$5.5M$157.7M1.10×
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.
Series A$6.9M2018-04-23$31.4M$198.0M90%
Series A$11.4M2019-07-30$52.0M$328.0M90%
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. Series A$6.9M2018-04-23
    • First recorded raise — entered as Series A.
    • 40 investors on this round.
  2. Series A$11.4M2019-07-30
    • Raised 15 mo later, in step with the ~12 mo sector norm.
    • Round 1.7× larger than the prior — scaling up.
    • 29 investors on this round.
Intelligence
2020 ~Q4
Modeled next raise · ~15mo cadence
$18.9M
Modeled next size est.range $12.3M$30.3M
1.7×
Last step-up
$14.5M/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
Carlos R. Vega2018-04
Fabio R. Fleitas2019-07
Hope R. Cochran2019-07
Registry & provenance

Tesorio, 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
1751129
SEC CIK
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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.

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Trading.TV, Inc.FintechSeries A$15.5M$6.1Msame sector · same stage
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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.

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Frequently asked
How much funding has Tesorio, Inc. raised?
Tesorio, Inc. has raised approximately $18.3M in disclosed capital across 2 recorded financing rounds, aggregated from public filings.
What is Tesorio, Inc.'s estimated valuation?
Provath's modeled valuation for Tesorio, Inc. is approximately $328.0M (modeled range $15.0M–$1.8B). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Tesorio, Inc. at?
Tesorio, Inc.'s latest modeled financing stage is Series A. Its most recent recorded round closed around Tue Jul 30.
What does Tesorio, Inc. do and where is it based?
Tesorio, Inc. operates in the Fintech sector, based in BURLINGAME, CA, USA; Burlingame, CA, USA; Remote. Tesorio is the cash flow performance platform that helps finance…
Explore related

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