Diligence memo · auto-generated · as of July 2, 2026
Union Credit Inc.
Union Credit Inc. looks fair against its niche peers and is dormant on financing cadence.
Businessfiled
Union Credit Inc. operates in Fintech, based in SANTA ROSA.
No verified homepage on file yet — operating evidence is limited to the public record.
Capital & rounds (filed)filed
Union Credit Inc. has raised $2.0M in disclosed capital across 1 recorded round, aggregated from public filings. Its latest round is modeled as Seed (a $1.0M–$4.0M round).
Largest single filing: $2.0M on 2022-10-11.
Most recent recorded round closed around 2022-10-11.
Valuation (modeled)modeled
Provath models Union Credit Inc. at approximately $23M (range $1.7M–$99M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Fair. Modeled value is 1.06× the median modeled value of Seed Fintech companies in 2022–2024 (53 peers) — value vs value, same stage and era. Within the normal band (106% of peer median) for its niche.
Financing rhythm & timingmixed
Last raise 3.7 yr ago; this sector typically re-raises about every 12 months.
Only one round on record and long silent — often defunct, acquired, or gone quiet.
Comparablesmixed
Capital scale ranks ahead of 77% of Fintech peers (1063 compared).
Modeled value ranks above 78% of those peers.
Closest niche peers: Floatpays Inc, Sote, Inc., Earnipay, Pink Swan Trading, Inc., Tweed Payments Inc..
Peoplefiled
2 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.