Worth has raised USD $30 million in a Series A round led by Fulcrum Equity Partners, with participation from Amex Ventures and TTV Capital.
The Orlando-based fintech will use the funding to develop its onboarding and underwriting products for small and medium-sized businesses, including its Decision Intelligence tools, Know Your Agent frameworks and Worth Wallet.
Worth operates in a part of financial services that often remains slow for smaller companies. While consumer credit applications can be approved in seconds, small business applications for banking and lending products often require checks across multiple systems, manual reviews and mismatched records, delaying decisions for days or longer.
Its platform combines business identity checks, credit data, compliance workflows, banking information and fraud screening in a single system. It is aimed at financial institutions, fintechs and payments companies seeking to reduce the manual work involved in onboarding and underwriting business customers.
Founders' focus
Worth was founded in 2023 by Sal Rehmetullah and Suneera Madhani, who previously built payments company Stax. The company is based on the view that business onboarding remains far more fragmented than consumer onboarding, despite the wider digitisation of financial services.
A recurring problem, according to Worth, is inconsistency in business records. A trading name may differ from the legal name on registration documents, or addresses may appear differently across databases, leading to additional document requests and slower approval times.
That creates an opening for providers that can reconcile data quickly and give lenders and payments firms a clearer picture of a business applicant. Worth says its system uses crosswalking technology to match business identities in real time and help institutions make decisions with a documented audit trail.
The platform is built on a database of more than 700 million businesses across more than 200 countries and territories, according to the company. That international data footprint suggests it is targeting institutions with cross-border operations as well as domestic lenders and payments providers.
Investor backing
The round gives Worth backing from investors with established interests in financial technology. Fulcrum Equity Partners led the raise, with Amex Ventures and TTV Capital participating.
Worth did not disclose its valuation. It said the financing will support continued product development as demand grows among financial institutions seeking faster ways to assess business customers without losing oversight of compliance and fraud risks.
Rehmetullah said the company is addressing a longstanding problem in the market.
"Financial institutions have been forced to make critical underwriting decisions on incomplete, fragmented data for far too long. At Worth, we've built a global infrastructure layer that unifies business identity, risk and financial signals into a single, real-time decisioning engine," the founder said.
"Our platform isn't just improving onboarding speed; it's fundamentally redefining how institutions onboard and underwrite small businesses at scale. With our agentic AI-powered Decision Intelligence, we're enabling automated, auditable, real-time decisions that give financial institutions confidence in every outcome. This investment allows us to accelerate that vision and bring to market what we believe is the future: a one-click, global onboarding experience through the Worth Wallet, enabling financial institutions to instantly onboard businesses with speed, accuracy and trust," Rehmetullah added.
Product build-out
The new capital will support products designed to automate more of the checks that are now spread across separate teams and software tools. Worth says its Decision Intelligence software combines identity data, network intelligence, risk signals, machine learning models and configurable workflows to generate decisions in onboarding, underwriting and fraud prevention.
It also says those decisions are auditable and traceable, a point likely to matter to banks, payments companies and fintechs that must show how customer approvals or rejections were reached.
Madhani said the company was founded to address a system that leaves both institutions and businesses facing delays.
"We built Worth to fix a system that wasn't working. Not just for small businesses, but for the financial institutions trying to serve them. When underwriting is fragmented and onboarding is slow, everyone loses. At Worth, we're giving institutions the data infrastructure to move faster, make better decisions and unlock access to capital at scale. Because when financial institutions win, small businesses finally get the experience they deserve. This funding allows us to accelerate that mission and redefine how financial services are delivered to the backbone of our economy," said Madhani.
Investors framed the deal as a bet on both the market need and the founding team. Jim Douglass, Partner at Fulcrum Equity Partners, said: "Sal and Suneera's deep understanding of the market, combined with their exceptional leadership and vision, led them to identify a critical gap in financial services that no one else was addressing. Worth is a solution built by a remarkable team that knows how to execute."
"Leading this investment round is not only about backing a company - it's about supporting the vision of a founding team who have demonstrated time and time again that they can turn bold ideas into transformative solutions. The human capital they've assembled, from their leadership team to their board of industry veterans, makes it clear that Worth is built to last, and we're looking forward to a great future together," Douglass added.
Amex Ventures also pointed to the demand for tools that simplify business customer onboarding.
"We are excited to back Worth on their mission to transform the way enterprises approach SMB onboarding and underwriting. We believe Worth's AI-powered automation solutions could enable more seamless experiences for customers. Worth's strong growth momentum demonstrates that their value proposition is resonating," said Margaret Lim, Managing Director at Amex Ventures.