Clutch

San Francisco, California, USA · ≈220 employees · withclutch.com

Clutch is a fintech platform established in 2020 that specializes in digital origination and AI solutions for credit unions. The company aims to modernize operations, streamline lending processes, and enhance member experiences. Clutch focuses on deepening member relationships and improving operational efficiency across deposits, consumer loans, and business accounts. Founded by fintech veterans Nicky Hinrichsen and Chris Coleman, Clutch has quickly gained recognition, ranking #7 on the 2025 Inc. Regionals list of the fastest-growing private companies in the Pacific. The company offers a unified origination ecosystem that includes digital loan applications, deposit account onboarding, AI-powered agents for various tasks, and omnichannel software for consistent digital banking experiences. Clutch partners with over 200 credit unions globally, including six of the ten largest in the U.S., and has facilitated over $10 billion in funded consumer loans and raised deposits since its inception.