Misha Esipov Creates Nova Credit To Provide Credit Data For Immigrants

The credit bureaus in the US also exist around the world. They are the backbone for how lenders make decisions all over the globe. And the credit bureau landscape grew from about 30 credit bureaus 30 years ago to well over 300. These credit companies exist in most countries, with with very few exceptions. And yet, they don't talk to one another. For example, there’s no way for credit information from say, Canada or Mexico, to make its way into the US.

The company’s growth trajectory and market opportunity has allowed the firm to attract $79.4 million in funding over eight rounds to date. Their latest funding was $10 million raised in September 2022 through HSBC, which followed its $50 million Series B round led by Kleiner Perkins. Additional investors include General Catalyst, Index Ventures, Pear Accelerator, YCombinator and others.

The family first lived in Syracuse, New York, then moved to Urbana Champaign, Illinois where his parent became professors at the University of Illinois, and later to Madison, Wisconsin for the University of Wisconsin. Esipov would later graduate from New York University with a degree in mathematics and finance, which led him to his job at Goldman Sachs before his desire to change directions, get his MBA and start Nova Credit in 2016.

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