End Close YC Application
End Close went through Y Combinator in the Winter 2026 batch as a B2B company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.
- YC batch
- Winter 2026
- Industry
- B2BFinance and Accounting
- Team size
- 2
- Status
- Active
- Launched
- 2026
Founders
Sean BoltonFounder
David NewellFounder
What End Close does
End Close builds automatic reconciliation for payments companies like fintechs, marketplaces, banks and payroll companies. Reconciliation helps companies track every dollar and resolve every exception, ensuring they have no money loss, can report audit ready financials, and stay compliant. Sean (CEO) spent the last 6 years building the reconciliation org at Modern Treasury (S18), processing a trillion dollars in payments across 40 banks with 99.995% automation. Fast growing companies like Modern Treasury are forced to build a solution in-house or buy a legacy solution. End Close provides a modern reconciliation system that works with a company's existing stack and is managed by AI agents. Exception handling is where 99% of the manual work happens today, payment ops teams spend hours gathering context across various data sources to investigate each ticket. End Close provides an AI ops agent that connects to a company's data warehouse, invoicing platform and payment processors to triage and resolve issues without human intervention. Legacy providers only provide reconciliation for month end close applications. End Close continuously reconciles with developer friendly APIs, allowing teams to integrate real time payments data within their products to create product experiences for customers like faster balance top-ups, instant trading etc. New payment rails and agent-to-agent payments are increasing online transaction volumes, making reconciliation a growing challenge for companies. David (CTO and 2nd time YC founder) most recently built these kinds of high-scale ingestion pipelines when starting and leading error tracking at PostHog (W20), the fastest growing product in the company's history.
End Close's YC application, reconstructed
Y Combinator application
End Close, Winter 2026 batch. The real form questions, answered from public data.
- Founders2
- Company7
- Progress7
- Idea4
- Equity3
- Curious2
- Batch Preference1
Company
End Close
AI powered reconciliation for payments companies
We build an automatic reconciliation system for fintechs, marketplaces, banks, and payroll companies that processes payment data continuously and uses AI agents to resolve exceptions without manual work. It connects to existing company infrastructure, like data warehouses and invoicing platforms, to triage and fix discrepancies in real time.
We don't have a fixed location publicly disclosed yet. After YC, we plan to base the company where it best supports our product development and customer engagement - likely where the founders decide to settle for maximum focus.
We prioritize flexibility in location to follow product and customer needs. Sean's experience comes from building reconciliation at Modern Treasury, and David's background in high-scale pipelines suggests a remote or tech hub setup may be possible.
21 more answers in the full application
Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.
Frequently Asked Questions
Is this the real End Close YC application?
No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from End Close's public data (launch notes, founder backgrounds, product description). It shows how a company like End Close would present itself to YC, not the text they submitted.
What YC batch was End Close in?
End Close was part of the Y Combinator Winter 2026 batch.
Who founded End Close?
End Close was founded by Sean Bolton, David Newell.
What does End Close do?
AI powered reconciliation for high-volume payments companies
How do I read the full reconstructed application?
Create a free Round Funded account. The full 26-answer version of End Close's application, and every other YC batch, is in YC Insights.
More YC startups like End Close
