Facio YC Application

Winter 2020Active

Facio went through Y Combinator in the Winter 2020 batch as a Fintech 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 2020
Industry: FintechCredit and Lending
Team size: 36
Status: Active
Launched: 2020

Founders

Márcio Dos SantosFounder
Saulo TristaoFounder
Ticiano VieiraFounder

Facio's YC application, reconstructed

Y Combinator application

Facio, Winter 2020 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Facio

Describe what your company does in 50 characters or less.

Salary advance to employees in Brazil

What is your company going to make? Please describe your product and what it does or will do.

We built a platform that lets employees in Brazil access salary advances instantly through their employer. Our product connects directly with companies' payrolls, offering workers cash before payday without complicated credit checks or traditional loans.

Where do you live now, and where would the company be based after YC?

We live in São Paulo, Brazil, and the company is based there, with parts of the team working remotely. After YC, we plan to keep São Paulo as our base while leveraging YC's network globally.

Explain your decision regarding location.

São Paulo is Brazil's financial and tech hub. Being local helps us deal directly with employers and understand the regulatory environment. Our users and partners are here, so this location is critical to our growth.

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.

See full application

Frequently Asked Questions

Is this the real Facio YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Facio's public data (launch notes, founder backgrounds, product description). It shows how a company like Facio would present itself to YC, not the text they submitted.