Proximitty

Active

AI operating system for commercial loans

Winter 2026Founded 20262 peopleSan Francisco, CA, USA

proximitty.ai ↗LinkedIn ↗

Generate ideas →

AI insightcan contain mistakes

Loan Operations AutomationSaaSBanks, fintechs, lending platformsMedium competition

Moat

Regulator-grade AI agents for document parsing, covenants, and loan ops reduce manual work; compliance-first approach builds trust.

Key risk

Regulatory approval uncertainty; competing against legacy LOS vendors (Ellie Mae, Fiserv); concentration risk (FDIC banks).

Why now

Banking automation pressure; compliance costs rising; AI agents now capable of document understanding at scale.

Competitors

Ellie Mae, Fiserv, Black Knight, legacy loan platforms

About

Proximitty is the AI operating system for commercial loans - we build regulator-grade AI agents that ingest and parse documents, spread financials, automate loan operations and track covenants. We help FDIC-insured banks and fintechs underwrite faster and scale their loan books without scaling costs.

Founders · 2

Wye Yew HoFounder

McKinsey

Co-founder & CEO @ Proximitty (YC W26). Previously, led FinCrime and Growth at Taptap Send ($75m -> $200m ARR) and started his career advising banks and fintechs on risk strategy at McKinsey. Highest ranked Malaysian in history in the Southeast Asian Maths Competition (SEAMC).

LinkedIn ↗X ↗

Zi ZhangFounder

Co-founder & CTO @ Proximitty (W26). Previously, led security infrastructure at Bloomberg (securing 300k+ terminals) and Head of Engineering at ACI.dev (built world's first unified MCP with 4k GitHub stars in 1 month).

LinkedIn ↗X ↗

Fintech Credit and Lending

Related startups

ZolvoSpring 2026

AI that automates servicing for commercial lenders

Commercial Loan Servicing AIActive

Fenrock AIWinter 2026

AI agents for banking back office

Banking Back Office Compliance AIActive

3 more related startups + AI insights

Free account · no credit card.

Also in Winter 2026

Cardinal Wideframe Martini Condor Energy Remix Shofo