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Splash Financial

Founded Year



Convertible Note | Alive

Total Raised


Last Raised

$10M | 6 mos ago

Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

+10 points in the past 30 days

About Splash Financial

Splash Financial is a student loan refinancing company that provides online lending options to help college graduates consolidate and refinance their student loan debt. Its mission is to help young professionals tackle student loan debt, so they can find financial freedom earlier in their careers. The company was founded in 2015 and is based in Cleveland, Ohio.

Headquarters Location

812 Huron Rd. E. Suite 350

Cleveland, Ohio, 44115,

United States


ESPs containing Splash Financial

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Financial Services / Digital Lending Tech

Lending marketplaces are non-bank financial institutions that match borrowers and lenders based on their risk profile and maturity. Their platforms offer services such as lead generation, loan origination, and loan servicing. Lending marketplaces can help lenders lower their customer acquisition costs.

Splash Financial named as Highflier among 15 other companies, including Biz2Credit, Lendio, and Creditas.

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Splash Financial's Products & Differentiators

    Student Loan Refinancing

    Splash allows people to shop and compare student loan refinance offers from its network of lenders. It’s fast, easy, and totally free.

Research containing Splash Financial

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Splash Financial in 2 CB Insights research briefs, most recently on Dec 1, 2021.

Expert Collections containing Splash Financial

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Splash Financial is included in 3 Expert Collections, including Digital Lending.


Digital Lending

1,813 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



7,565 items

US-based companies


Fintech 250

250 items

250 of the top fintech companies transforming financial services

Latest Splash Financial News

Best Medical School Student Loan Refinance

Nov 9, 2022

November 9, 2022 - Advertisement - Doctors and other medical professionals typically leave medical school with a large amount of student loan debt. However, most high-income professionals will also be. - Advertisement - Medical school loan refinancing can be an easy way to save money during loan repayment. The key is to shop around for the lowest interest rate. - Advertisement - For medical professionals with private student loans, you should consider refinancing those medical school loans as often as you can to save money on interest. If you have federal student loans, refinancing may or may not make sense — depending on whether you’re going to pursue public service loan forgiveness. Here’s our guide to how and when (and with whom) to refinance medical school loans. - Advertisement - Before You Refinance Medical School Loans Before you consider refinancing your medical school loans, you need to find out what type of student loans you have so that you can create a plan. If you don’t know where to start, check out this guide on where to get your student loans. You may find that you have a combination of both federal and private student loans. Depending on your loan type, and your current career (and future career goals), you can create a plan. If you’re going to consider student loan forgiveness for doctors, you usually don’t want to refinance your student loans. However, if you have private student loans, it makes sense to refinance as often as possible to reduce your interest rate. Before refinancing your student loans from medical school, you should recap: Know What Types of Loans You Have – Understand the difference between federal and private student loans. Understand your current and future career goals – Know whether you are going to work in public service or private practice, as this may affect your loan forgiveness options. Check for Loan Forgiveness or Loan Repayment Assistance – Some states will offer loan repayment assistance even if you have a private loan. Know your financial numbers – You should also make sure you have a good idea of ​​your credit score, as well as proof of your income. Best Medical School Student Loan Refinance Here are our top options for refinancing medical school student loans. These options may differ slightly from our regular list of student loan refinancing companies because physicians typically have higher incomes and higher loan balances. Note: The refinance offers that appear on this site are from companies from which the college investor is compensated. This compensation may affect how and where products appear on this site (for example, the order in which they appear – but we currently alphabetize lenders). College Investor does not include all student loan companies or all student loan offers available on the market. Reliable Trusted is our favorite marketplace for comparing student loans. They have about a dozen different lenders that you can easily buy and compare on their platform. As a result of having a market place, you can get great rates and terms as you are looking at the best offers from a variety of lenders. Right now, they offer the following rates: Fixed Rate: 2.94% – 11.87% APR Variable Rate: 2.48% – 11.67% APR And as a College Investor reader, really any lender you choose – if you refinance on their platform you’ll get: $1,000 gift card bonus if you refinance at least $100,000 in student loans. $300 gift card bonus if you refinance less than $100,000 in student loans. reliable >> . get a quote on Read our trusted review here. Imaginary dwarfs ELFI has a long track record of helping doctors and others in the medical field to refinance their student loans. Plus, they are consistently at the top of “best rate” charts and customer service rankings. The minimum ELFI loan for refinancers is $10,000, with a maximum of your outstanding loan balance. This can be a huge win for borrowers with high student loan debt, especially doctors. ELFIs do not have post specific credit minimums, but they require borrowers to be creditworthy (or have a creditworthy cosigner). However, one of the few downsides of ELFI is that it is one of the few lenders on this list that does not offer a cosigner release program. Right now, they offer the following rates: Fixed Rate: 4.29% – 7.29% APR Variable Rate: 2.48% – 7.24% APR ELFI is offering our readers a great bonus: $1,100 bonus when you refinance at least $100,000 in student loans. $550 bonus when you refinance less than $100,000 but at least $50,000 in student loans. View and get started ELFI >> Read our full ELFI review. first republic First Republic is a traditional bank offering assistance to those looking to refinance. They offer a slightly different product — a personal line of credit — that can be used to refinance your student loans. First Republic is known for having some of the lowest interest rates on loans. So if you’re eligible, you should check them out! Plus, a nice $300 welcome bonus is always a plus if you open an account! They have been consistently listed as one of the best banks for high net worth individuals. First Republic only offers one fixed rate loan: 3.95% – 5.45% APR Note that First Republic’s personal credit line is only available to residents of certain areas. To see if you live in a supported region, check out our first Republic review here. Apply to First Republic here >> laurel road Laurel Road is best suited for medical and dental graduates, but they have student loan refinance options for any borrower. One of the things that we really like about them is that they are one of the few lenders that offer special payment options for medical residents. Currently, you can pay at least $100 per month for your loans that you refinanced along Laurel Road while you are in residence. Right now, they offer the following rates: Fixed Rate: 4.49% – 6.90% APR Variable Rate: 2.50% – 6.80% APR Plus, if you refinance through Laurel Road, apply through our site for a $200 bonus! Read our full Laurel Road review. Apply Now at Laurel Road >> Splash Financial Splash Financial is a student loan refinance marketplace that works with some of the major lenders including Nelnet Bank, Laurel Road and PenFed. We highly recommend Splash to medical residents because they pay $100 on your refinance loan during and after your residency for up to 6 months. They also have some of the lowest rates consistently. Right now, they offer the following rates: Fixed Rate: 3.99% – 8.49% APR Variable Rate: 2.50% – 8.65% APR Splash is currently offering College Investor readers a $5,000 bonus if you refinance a loan of more than $50,000. This is a nice bonus and you can apply here to get started. Read our full Splash review here. Should You Refinance Medical School Loans? Remember, student loan refinancing is when you take out a new private student loan to replace your existing loans. Your existing loans can be federal or private (or possibly a combination of both). Since you are replacing your old loans with a new one, refinancing may not make sense. For example, if you are working in public service (in a non-profit hospital or health group), it is a better option to go for public service loan forgiveness. However, if you have any private student loans, it is always a good idea to refinance at a lower interest rate if you can save money. Here’s when it makes sense to refinance a medical school loan: You have private student loans – It always makes sense to refinance private student loans to try to get the lowest rate possible (to save you money). You are 100% positive that you will not qualify for any loan forgiveness programs such as PSLF – if you have federal loans but work in private practice and are sure that you will not qualify for any loan forgiveness programs, This can ensure refinancing. You’ll pay off the loan in 5 years or less (without loan forgiveness) – The best rates on student loans are typically for loan terms of 5 years or less. This can be an option to save money. However, don’t jeopardize loan forgiveness if you are eligible. Don’t Forget to Consider Alternative Physicians Student Loan Repayment Options If you have federal loans but aren’t sure whether you should refinance them into private loans, you may have other options that can be beneficial as well. First, you should consider getting an income-driven repayment plan. The main plan options for physicians will be between PAYE and REPAYE. You’ll have to do some math and see which is best, but in general, REPAYE is great for interest subsidies, which can be helpful. However, if you also have a higher-income spouse, you must use your combined AGI — which can further advance your payment plan. If you have a high-income spouse, you may consider filing your taxes separately and taking advantage of PAYE. While you may pay slightly more in taxes, the savings on your student loan payments may be substantial. And if you don’t know where to start your plan, check out Student Loan Advice by White Coat Investor. Their expertise with doctors and student loans is top notch as that is what they focus on. Related Articles: Student Loan Forgiveness for Doctors: A Step-by-Step Guide Best Student Loan Refinance Companies in November 2022 Best Student Loan Refinance Bonuses and Promotional Offers for November 2022

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Splash Financial Rank

Splash Financial Frequently Asked Questions (FAQ)

  • When was Splash Financial founded?

    Splash Financial was founded in 2015.

  • Where is Splash Financial's headquarters?

    Splash Financial's headquarters is located at 812 Huron Rd. E., Cleveland.

  • What is Splash Financial's latest funding round?

    Splash Financial's latest funding round is Convertible Note.

  • How much did Splash Financial raise?

    Splash Financial raised a total of $71.83M.

  • Who are the investors of Splash Financial?

    Investors of Splash Financial include CMFG Ventures, Northwestern Mutual Future Ventures, DST Global, Detroit Venture Partners, Citi Ventures and 5 more.

  • Who are Splash Financial's competitors?

    Competitors of Splash Financial include CommonBond and 2 more.

  • What products does Splash Financial offer?

    Splash Financial's products include Student Loan Refinancing and 1 more.

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Summer​ ​is a student loan management and repayment platform providing users with a comprehensive view of their debt and targeted recommendations on how to alleviate it, which evolves based on their current life circumstances.

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