Associate Counsel, Reach Financial

While many technology companies have attempted to go after this vertical, few have done so with the poise of Reach. Others have pursued flashy product features and feel-good branding. Instead, Reach has steadily built up a reputation for offering a practical, modern lending service distinguished for its customer service.

The startup also differentiates itself by its proprietary method for underwriting good borrowers based on signals that go well beyond credit scores. A major part of its focus will be refining its combination of artificial intelligence and machine learning to approve applicants whom other lenders may overlook.

Performing as a lender is becoming increasingly difficult in the current economic climate. Strong capabilities as an underwriter combined with a stellar reputation among borrowers should see Reach fare better than most venture-backed fintechs in this cycle.