Palus Finance
Palus Finance is a YC Winter 2026 (W26) company. Team of 2.
About Palus Finance
Summary
Palus Finance builds a treasury management platform that moves company cash from money market funds into short-duration bond portfolios, delivering higher yields with sub-3-day liquidity and setup through existing bank accounts. The platform also provides fractional CFO services, pairing AI-powered financial workflows with human finance professionals to handle cash flow planning, margin analysis, and day-to-day finance decisions. It targets startups and SMBs that lack dedicated finance staff, replacing the work of both a standing treasury function and an in-house CFO team.
Business model
Fee structure not specified in available sources.
Go-to-market
Companies sign up directly and connect existing bank accounts for treasury onboarding; fractional CFO services are initiated via a sales call, targeting healthcare, marketing agencies, CPG brands, manufacturers, startups, and SMBs.
From the Y Combinator listing
40% higher yields on company cash, in under 5 minutes.
Palus Finance is the first treasury management platform with a higher-yield bond portfolio for companies’ idle cash. We launched in late February and are live with 33 companies, growing 110% week-over-week. Existing startup/SMB treasury products just sweep cash into a money market fund and charge a high management fee. Palus offers a short-duration bond portfolio which safely earns ~40% more yield than money market funds, with sub-3-day liquidity, and 5-minute setup with customers' existing bank accounts. We see treasury as a great wedge to eventually offer full-suite banking services to all high-growth companies. Sam and Michael are technical cofounders who met at Caltech. Sam previously built the AI research platform for a $3T AUM asset manager; Michael built quantum computers for the defense industry.
Facts
- Fintech / Fintech
- 2
- Active
- Early
Founders (2)
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