Funding Received
$37 Million in 4 Rounds from 9 Investors
Most Recent Funding
$21 Million Series C on January 17, 2013
San Francisco, CA
BillFloat provides credit solutions that give consumers on-demand access to credit, more time to pay bills, and ongoing access to cash.
Sean O'Malley, Ryan Gilbert

Company Details


Better Finance, Inc. (previously BillFloat, Inc.) . is a financial technology company providing innovative leasing and credit solutions to consumers and small businesses online, in-store and via mobile.

Better Finance has two main products:

SmartPay for Consumers

Consumers rely on SmartPay, our lease-to-own payment plan, to get smartphones, accessories and other high-value items. SmartPay spreads the payments over an extended term to make them more affordable.

SmartBiz for Small Business

Small businesses use SmartBiz to quickly and easily apply online for low-interest, long-term, SBA-guaranteed working capital loans between $5,000 and $25,000 (increasing to $150,000 shortly). The SmartBiz online application process can take less than 20 minutes and the loan can be funded in 5 to 7 business days after completing the application.

Better Finance, Inc. is privately held and based in San Francisco. The company was founded in 2009 by a team of experienced financial services entrepreneurs with backing from leading venture capital firms including Investor Growth Capital, Venrock, First Round Capital, Baseline Ventures, and SoftTech VC.

Current Team (7)


Past Team (5)


Funding Rounds (4) - $37M


Board Members and Advisors (3)


Investors (9)

  • 2cbd18921efa9d569f3623ecadf73a4b

    Bronze Investments

    Bronze Investments, Llc is a financial investment advisory firm headquartered in San Francisco,...
  • 4d4bea878f64f927f544891c4a3e78f3

    Investor Growth Capital

    Venture Capital Firm
  • Ficyggtwmdgziyl2exmj


    Venrock is a venture capital firm investing in technology and healthcare companies.
  • Qulwlsgonnklkvnhevze

    First Round

    First Round is a venture capital firm that specializes in providing seed-stage funding to...
  • 4e9eb3b0dbb38f1a754af98e3eb8176b

    Baseline Ventures

    Baseline is an investment company that aims to help founders build and grow their early-stage...
  • 20e0740010dd063a306ed323780065b0

    SV Angel

    SV Angel is the micro VC firm located in Silicon Valley and founded by angel investors, Ron...
  • 88d27d0de246751dbbad7b080654af22

    SoftTech VC

    SoftTech VC is one of the original micro VC firms, founded in 2004 and backing over 150...
  • 214b87425fff9d00c0f8e4d0e6866122

Offices/Locations (1)

  • Office

    417 Montgomery Street

    Suite 600

    San Francisco, CA 94104


Images (1)

  • 863e6258fca014749426f451e13ce431