-45%

est. 2Y upside i

FinTechAI & MLSeries D+

At Daylit (fka Lendica), we make working capital simple, predictable, and within reach. Our all-in-one working capital platform helps businesses, especially real economy operators, remove the guesswork from when money comes in.

Rank

#2471

Sector

Fintech, AI, Financial Software

Est. Liquidity

~3Y

Data Quality

Data: Medium

Daylit presents a moderate upside opportunity for a job seeker.

Last updated: March 10, 2026

Bull (35%)+100%

Daylit's proprietary AI agents achieve significant market penetration in AR automation and embedded lending, driving revenue to over $150M by 2028 and justifying a $1.3B+ valuation at a premium multiple, potentially leading to a strategic acquisition or successful IPO.

Base (40%)+30%

Daylit continues strong growth in its core SMB segments, fending off competitors with its integrated platform. Revenue reaches ~$90M by 2028, leading to an exit valuation of approximately $845M, providing a moderate return for common shareholders.

Bear (25%)-40%

Increased competition from incumbents and well-funded fintechs, coupled with slower-than-expected AI adoption or regulatory headwinds, limits Daylit's growth. Revenue stalls below $60M, resulting in a down round or acquisition at around $390M, significantly impacting common stock value due to liquidation preferences.

Est. time to liquidity~3.0 years

Preference Stack Risk

high

Investors hold $127M in liquidation preferences, meaning common stock holders would only see returns if the company exits above $127M, and significantly above that to realize meaningful gains given the estimated $650M valuation.

Dilution Risk

moderate

As a later-stage private company, further funding rounds are possible, which could lead to additional dilution for existing equity holders.

Secondary Liquidity

limited

Active secondary markets or tender offers are not explicitly mentioned and are typically limited for private companies of this stage, restricting early liquidity options.

Questions to Ask at the Interview

Strategic questions based on Daylit's data — designed to show you've done your homework.

  • 1

    “Given the rapid evolution of AI in fintech, how does Daylit plan to continuously innovate its AI agents to maintain a competitive edge against both established players and emerging startups in the AR automation and embedded lending space?”

  • 2

    “With a 200% YoY revenue growth, what are the key strategic priorities for Daylit over the next 12-18 months to sustain this trajectory and expand market share within the $1.7B SAM, particularly in the context of its hybrid revenue model?”

  • 3

    “Considering the recent $110M funding round and the 'Later Stage VC' designation, what is the company's anticipated timeline and strategy for a liquidity event (e.g., IPO or acquisition), and how does the current preference stack impact the potential returns for employee equity?”

Community

Valuation Sentiment

Our model estimates -45% upside. What do you think?

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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.