Bankuish
Bankuish is a fintech that converts alternative income signals from gig platforms and freelance marketplaces into a bank-accepted credit score, serving credit-included gig workers and freelancers in the U.S. and Latin America (Mexico, Brazil, Colombia, Chile). It earns revenue through referral fees from partner banks and a Brazil-based subscription benefits program.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Bankuish does
Bankuish (legal entity Banquish, Inc., Delaware C Corporation) is a fintech founded in March 2020 by José V. Fernández and headquartered in Miami Beach, Florida. The company addresses the credit-access gap faced by gig workers and freelancers who are excluded by traditional underwriting because they lack conventional employment records and credit-bureau histories. It does this by aggregating alternative income and reputation signals from 27+ gig platforms, freelance marketplaces, and creator tools (Uber, Rappi, iFood, Didi, Glovo, Upwork, Fiverr, Freelancer.com, Airbnb, Mercado Libre, Amazon Seller Central, Etsy, Andela, Bolt, Cabify, Lalamove, TaskRabbit, and others) into a proprietary Bankuish Score, calculated from five weighted categories: income history (35%), satisfaction index (30%), income history duration (15%), income diversification (10%), and credit building (10%). The weekly-updating Bankuish Report and the in-app Bankuish Assistant provide transparency into score drivers and offer financial-education mini-courses that feed back into the score.
The core product surface is the Bankuish mobile app (Android, available in English, Spanish, and Portuguese), which connects users' work and bank accounts, surfaces pre-approved personalized loan, credit card, auto financing, and insurance offers from partner banks, and includes add-ons such as Tandas Digitales (digital savings circles) and the Clube Certo subscription benefits program in Brazil. Bankuish is not a lender itself; it acts as a referencing intermediary that transfers anonymized user credit data to its partner bank network (Socios Bancarios), which extends the actual credit products. Revenue is generated primarily through referral and referencing fees from banking partners, supplemented by Clube Certo subscription fees and a 30% cashback retention in Brazil.
The company operates across the United States (primary revenue market) and four Latin American countries (Mexico, Brazil, Colombia, Chile), employs 52 people as of March 2026, and has grown revenue 21x over the past five years. Bankuish has raised approximately $6M across a 2021 seed round led by Global Founders Capital (with Wollef Ventures, Latitud, Lightspeed Venture Partners, Plug and Play, Wayra) and a 2022 round from Amarena and Recharge Capital, and participated in the Intuit Prosperity Accelerator in late 2021.
Bankuish firmographics
Firmographics- Name
- Bankuish
- Legal name
- Banquish, Inc.
- Website
- https://bankuish.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Bankuish is a fintech that converts alternative income signals from gig platforms and freelance marketplaces into a bank-accepted credit score, serving credit-included gig workers and freelancers in the U.S. and Latin America (Mexico, Brazil, Colombia, Chile). It earns revenue through referral fees from partner banks and a Brazil-based subscription benefits program.
- Ownership category
- akta.pro rank
Bankuish industry classification
Industry- Product category
- Alternative Credit Scoring
- NAICS
- Credit Bureaus (561450)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)
- akta.pro secondary industries
- Underwriting Automation & Income/Employment Verification (FSAGAHAD), Open Banking / Bank Data Underwriting (Consumer) (FSAKAKAF)
Keywords
Where Bankuish is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Bankuish business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Referral/Referencing Fees from Banking Partners: Bankuish earns fees by referring qualified gig workers to partner banks and financial institutions. The company transfers each user's information anonymously (via an anonymous identification number) to banking partners who then extend pre-approved loan offers. Bankuish is not a lender itself and does not extend credit directly.
- Clube Certo Benefits Subscription: A subscription-based benefits program in Brazil where users pay a recurring fee for exclusive conditions, including free trial periods and discounts on subscription rates. Payments are processed via Stripe. Bankuish retains 30% of any cashback generated through the program, with 70% credited to users' virtual Bankuish cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free app for gig workers |
| Subscription | Monthly | Clube Certo paid benefits program (Brazil) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Bankuish product offering
Product offeringCore offering
Bankuish operates a mobile app that ingests alternative income and reputation data from gig platforms, freelance marketplaces, and creator tools, and converts those signals into a proprietary credit score (Bankuish Score) that partner banks accept for underwriting. Users connect their work and bank accounts, build a weekly-updated score, and receive personalized pre-approved offers for loans, credit cards, and auto financing from the partner bank network. The company also operates the Clube Certo subscription benefits program in Brazil.
Product overview
Bankuish is a fintech platform that converts alternative income signals from gig workers and freelancers into credit assessments accepted by traditional banks. The core product is the Bankuish App, which includes the Bankuish Score (a proprietary credit scoring system using five weighted categories), the Bankuish Report (weekly-updating progress tracker), and the Bankuish Assistant (AI-powered financial education tool). Users connect their work accounts from 27+ gig platforms to generate a Bankuish Score, which unlocks personalized product recommendations from partner banks including loans, credit cards, and insurance. Additional features include Tandas Digitales (digital savings circles) for demonstrating debt management capability, Financial Education Courses that positively impact the Bankuish Score, and the Clube Certo subscription benefits program with cashback features. The platform operates across Latin America (Mexico, Brazil, Colombia, Chile) and the U.S. market.
Differentiator
Problem solved
Functional benefit
Products and services
- Bankuish App Mobile application (Android, English/Spanish/Portuguese) that enables individual gig workers and freelancers to connect work and bank accounts, build a Bankuish Score from alternative income data, and receive personalized financial product offers from partner banks. Free for consumers; revenue is generated via referral fees from partner banks.
- Clube Certo Benefits Program Subscription benefits program available to Bankuish users in Brazil, providing exclusive conditions, free trial periods, discounts on subscription rates, and cashback credited to users' virtual Bankuish cards. Paid monthly via Stripe after the free trial; Bankuish retains 30% of cashback generated through the program.
Quantifiable outcome
- 21x revenue growth over five years
- +2 more outcomes
Companies that use Bankuish
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
Bankuish technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration27 records
AI capability3 records
Feature5 records
Bankuish partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core.
- UbercoreUber is one of the primary gig platforms whose driver account data (income history, satisfaction ratings, trip data) is connected to Bankuish to build a worker's credit score. Uber accounts are among the first and most commonly connected work accounts referenced in Bankuish's product documentation and legal disclosures.
- RappicoreRappi is a major on-demand delivery platform whose couriers' work history, order volumes, and satisfaction data are used in Bankuish's credit scoring algorithm. Named prominently alongside Uber in Bankuish's core product materials and Latin American market narratives.
- iFoodcoreiFood is a leading food delivery platform in Brazil whose driver/delivery worker account data feeds into Bankuish's income history and reputation scoring system. Key platform partner for Bankuish's Brazil market operations.
- DidicoreDidi is a major ride-hailing and delivery platform integrated with Bankuish for data sharing on driver income and satisfaction, supporting the credit scoring process across Latin American markets.
- GlovocoreGlovo is a multi-category delivery platform whose courier activity data (delivery counts, ratings, income) is used by Bankuish to build credit assessments for workers across Spain and Latin America.
- UpworkcoreUpwork is a freelance marketplace whose freelancer earnings and reputation data (client ratings, job success scores) are connected to Bankuish to enable independent professionals to access credit based on their freelance income history.
- FiverrcoreFiverr is a global freelance services marketplace whose seller earnings and ratings data are used as an alternative income signal in Bankuish's credit scoring model for freelancers and independent contractors.
- Freelancer.comcoreFreelancer.com is a freelance marketplace integrated with Bankuish, providing income and reputation data for independent contractors seeking credit access through alternative work histories.
- Mercado LibrecoreMercado Libre is a major e-commerce marketplace in Latin America whose seller transaction data (sales volumes, revenue) is connected to Bankuish to build credit assessments for entrepreneurial sellers on the platform.
- AirbnbcoreAirbnb is a short-term rental platform whose host income and guest rating data are used as alternative income signals in Bankuish's diversification scoring for hosts seeking financial products.
- CabifycoreCabify is a ride-hailing platform operating in Spain and Latin America whose driver account data is used in Bankuish's income and reputation scoring for credit assessments.
- BoltcoreBolt is a ride-hailing and delivery platform whose driver income and satisfaction data are integrated with Bankuish's credit scoring system across European and African markets.
- TaskRabbitcoreTaskRabbit is a freelance services marketplace whose tasker earnings and rating data are used by Bankuish as alternative income signals for credit assessments of gig workers and service providers.
- LalamovecoreLalamove is a logistics and delivery platform whose driver income and delivery data are connected to Bankuish's scoring system for credit assessment purposes.
- AndelacoreAndela is a talent marketplace connecting developers with global opportunities. Its developer engagement and payment data are used by Bankuish as alternative income signals for tech freelancers seeking credit.
- eBaycoreeBay seller transaction data (sales volumes, revenue trends, seller ratings) is connected to Bankuish for credit scoring of small e-commerce entrepreneurs using the platform.
- Amazon Seller CentralcoreAmazon third-party seller performance data (sales, reviews, account health) is used by Bankuish as an alternative credit signal for entrepreneurial sellers on the Amazon marketplace.
- EtsycoreEtsy seller earnings and shop rating data are connected to Bankuish for credit assessments of independent crafters and creative entrepreneurs on the platform.
- StripecoreStripe is the third-party payment processing platform used by Bankuish to handle Clube Certo subscription payments and benefits program transactions in Brazil. Stripe processes all payment flows for the paid benefits program.
- Partner Banks and Financial Institutions (Socios Bancarios)coreBankuish's network of banking partners (Socios Bancarios) are financial institutions that receive anonymized worker credit data and extend pre-approved loan, credit card, and auto financing offers to qualified Bankuish users. Bankuish does not lend directly; it acts as a referencing intermediary connecting workers with its partner bank network across the U.S. and Latin America.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Bankuish competitors and assessment
Company assessmentDirect peers
- Nova Credit: Nova Credit translates alternative data (including immigrant and cross-border credit histories) into bank-ready scores, the same core function as Bankuish. Like Bankuish, Nova Credit is an underwriting intermediary that connects non-traditional credit profiles to partner lenders.
- Possible Finance: Possible Finance builds underwriting and small-dollar credit products for underbanked and thin-file U.S. consumers using alternative cash-flow data. Overlaps with Bankuish on alternative-data underwriting for financially excluded workers, though Possible is a direct lender rather than a referral intermediary.
- Steady: Steady is an income and benefits platform that aggregates gig and 1099 earnings to help workers access financial products and emergency funds. Closely comparable to Bankuish's mission of turning gig income data into access to credit and benefits, with direct overlap on the gig-worker segment.
- Even: Even provides earned-wage access and budgeting tools built around variable gig and hourly income. Comparable to Bankuish in serving underbanked workers with non-traditional income and in using income data to extend financial products beyond the traditional credit system.
- Dave: Dave is a neobank focused on Americans living paycheck to paycheck, including gig workers, offering cash advances, budgeting, and credit-building products. Comparable customer segment and mission to Bankuish's gig-worker focus, though Dave operates as a chartered bank with direct consumer products.
- Argyle: Argyle provides real-time income and employment data connectivity for credit underwriting, serving lenders with payroll and platform-earning data. Highly comparable to Bankuish's infrastructure layer of connecting gig-platform work history into bank decisioning systems.
- Belvo: Belvo is a LatAm open banking API platform providing bank account data connectivity for credit, lending, and financial inclusion use cases. Comparable to Bankuish as enabling infrastructure for alternative-data underwriting in the same LatAm geographies (Mexico, Brazil, Colombia).
Broad incumbents
- Plaid: Plaid is the dominant financial data connectivity layer powering fintech underwriting and account linking. Comparable to Bankuish's bank-account data ingestion and broader API-first approach to alternative-data underwriting, though Plaid operates as broad infrastructure across many fintech verticals.
- Experian: Experian is a global credit bureau operating consumer credit reporting and scoring at massive scale. Comparable to Bankuish in producing consumer credit assessments, but Experian is the legacy incumbent that Bankuish explicitly differentiates against for gig-economy and thin-file consumers.
- Credit Karma: Credit Karma is a consumer credit monitoring and pre-approved offer platform reaching tens of millions of U.S. users. Comparable to Bankuish in monetizing credit profiles through referral offers from partner lenders, but Credit Karma serves broad-file consumers via traditional bureau data rather than gig-economy alternative data.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Bankuish social profiles
Digital presenceBankuish financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bankuish leadership team
Management profileNumber of profiles
Profiles1 record
Bankuish funding detail
Funding detailFunding overview
Funding rounds3 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bankuish M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bankuish
What does Bankuish do?
Bankuish operates a mobile app that ingests alternative income and reputation data from gig platforms, freelance marketplaces, and creator tools, and converts those signals into a proprietary credit score (Bankuish Score) that partner banks accept for underwriting. Users connect their work and bank accounts, build a weekly-updated score, and receive personalized pre-approved offers for loans, credit cards, and auto financing from the partner bank network. The company also operates the Clube Certo subscription benefits program in Brazil.
Is Bankuish a public or private company?
Bankuish is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bankuish founded?
Bankuish was founded in 2020. It employs 1 to 10 people.
Where is Bankuish based?
Bankuish is headquartered in New York, United States, in the North America region.
How does Bankuish make money?
Two revenue lines are on record. Referral/Referencing Fees from Banking Partners are the primary driver. The others are clube Certo Benefits Subscription.
Who are Bankuish's main competitors?
Direct peers on record are Nova Credit, Possible Finance, Steady, Even, Dave, Argyle and Belvo. Broad incumbents are Plaid, Experian and Credit Karma.
Does Bankuish have an API?
No public API is recorded for Bankuish.
What industry is Bankuish in?
Bankuish's product category is Alternative Credit Scoring. Its primary akta.pro industry code is FSAKAKAG, Consumer Credit Decisioning & Underwriting Platforms, with a secondary code of FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 561450 and its SIC code is 7320.