Deserve, also known as SelfScore, is a credit card startup helping young people establish themselves, as well as a cloud-based credit card platform for businesses.

Deserve provides international student credit cards and other financial products to international students studying in the United States.

Deserve was founded in 2013 by Kalpesh Kapadia. The company is based in Menlo Park, California.

Deserve is committed to providing deserving but underserved people access to fair credit.

Deserve uses machine learning and alternative data to set you on a simpler path to credit. The company's cards include consumer education, tips, and tools to help keep you on track.

Deserve also leverages technology like machine learning alongside traditional financial data and other alternative and proprietary data sources in order to underwrite a larger population — including those who may be new to credit.

Deserve’s turnkey, cloud-based and API-based Deserve Credit Platform promises partners the ability to set up a program in as fast as 90 days, instead of the typical 18 to 24 months. The company is helping students gain access to credit on 5,000 campuses and counting. Deserve has partnered with clients like Sallie Mae, the New Jersey Institute of Technology and Honor Society to help them launch credit cards designed for their specific audiences. Its overall platform today serves more than 100,000 consumers.


Deserve is backed by Goldman Sachs, Sallie Mae, Accel, Aspect Ventures, Pelion Venture Partners, Mission Holdings and others. The compay raised $50M from a "Series C" financing on Nov 5, 2019. This brings Deserve's total funding to $97.4M to date.



  • Year founded: 2013
  • Funding Info: $97.4M over 6 Rounds (Latest Funding Type: Series C)
  • Yearly Revenue: $5M-$10M (2019)
  • Employee Size: 51-200
  • Business Valuation: NA
  • City/Town: Menlo Park
  • State: California
  • Country: United States
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