Written by Sarah James ·
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TomoCredit has officially been named to the 2026 Inc. 5000 list of the fastest-growing private companies in America!
For more than 40 years, the Inc. 5000 has recognized the entrepreneurs and companies driving growth, creating jobs and transforming industries across the United States. Previous honorees include Microsoft, Meta, Chobani and Under Armour, putting TomoCredit in some truly incredible company.
Companies on the 2026 Inc. 5000 are ranked by their revenue growth percentage from 2022 through 2025. To qualify, companies must be privately held, for-profit, based in the United States, and independently operated. Every honoree must also pass Inc.'s editorial review.
Earning a place on this year's list is an exciting milestone for TomoCredit and a meaningful sign of the growing demand for more accessible, personalized financial technology.
TomoCredit has officially been named to the 2026 Inc. 5000 list of the fastest-growing private companies in America!
For more than 40 years, the Inc. 5000 has recognized the entrepreneurs and companies driving growth, creating jobs and transforming industries across the United States. Previous honorees include Microsoft, Meta, Chobani and Under Armour, putting TomoCredit in some truly incredible company.
Companies on the 2026 Inc. 5000 are ranked by their revenue growth percentage from 2022 through 2025. To qualify, companies must be privately held, for-profit, based in the United States, and independently operated. Every honoree must also pass Inc.’s editorial review.
Earning a place on this year’s list is an exciting milestone for TomoCredit and a meaningful sign of the growing demand for more accessible, personalized financial technology.
TomoCredit was founded by CEO Kristy Kim after her own experience navigating the U.S. credit system as a South Korean immigrant.
Despite working as an investment banker, Kristy struggled to qualify for an auto loan because she did not have an established U.S. credit history. Her income and financial responsibilities could not offset the absence of a traditional credit score.
Millions of immigrants, students, young adults, and credit-invisible consumers encounter similar barriers. They may be earning income, paying bills and working toward important financial goals, but the traditional credit system does not always provide a clear way for them to establish themselves.
TomoCredit was created to give more people an opportunity to build credit and move forward financially.
TomoCredit’s growth also reflects a major change underway in consumer finance.
People want financial tools that understand their real questions and circumstances. They need clear, personalized guidance that can help them make decisions about credit, saving, spending and their long-term financial goals.
Through TomoIQ, TomoCredit is using AI to make personalized financial guidance available to more consumers. The AI-powered financial assistant is designed to meet people where they are, answer their financial questions and help them better understand the steps they can take next.
Personalized financial advice has historically been difficult or expensive to access. AI has the potential to bring that level of support to millions more people, including those who have often been overlooked by traditional financial institutions.
TomoCredit’s place on the Inc. 5000 demonstrates that consumers are ready for financial technology that feels more accessible, useful, and personal.
The Inc. 5000 measures revenue growth, but reaching this milestone requires trust.
It requires customers who believe in the product, team members who continue to listen and improve, and a shared commitment to solving real financial challenges.
This recognition reflects every customer who chose TomoCredit, every employee who helped build and grow the company, and every person who believed consumer finance could serve more people.
We are incredibly grateful to everyone who has been part of TomoCredit’s journey.
Making the 2026 Inc. 5000 is an achievement worth celebrating—and we are even more excited about what comes next.
A three-digit number used to be the whole story. Now consumers want their score to explain itself, show them what to do next, and reflect how they actually manage money — and the industry is starting to catch up.
The most useful financial AI might be the one that helps you tackle the money task you've been avoiding. When life gets busy, managing money often falls to the bottom of your to-do list—but it doesn't have to be complicated.
Building winning consumer finance applications isn't just about adding AI. It's about creating experiences that help people feel informed, confident, and supported.
The language used on this page is for creative purposes only. TomoCredit (or TomoBoost) does not guarantee an increase in credit score. Individual results vary based on each person's unique credit history and financial circumstances, and subscription payments are non-refundable.
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