Based only on the facts in our directory. The right pick still depends on the job you need done.
Lower starting price
Not comparable
Not comparable: Campfire does not list a price
Free plan
Tie
Neither has one
Higher rating
Campfire
4.3 against 4.2
Same job?
Yes
Both are Finance & Fintech AI tools
Side by side
Compared on
Campfire
Zest AI
Our rating
4.3Better
4.2
Starts at
Not listed
Not listed
Free plan
No
No
Category
Finance & Fintech AI
Finance & Fintech AI
Plans
See pricing
See pricing
Key features
AI-native general ledger, close process, and financial reporting built from scratch
Positioned as a modern alternative to legacy ERP systems like NetSuite
$100M+ raised across Series A and Series B within about two years
$65M Series B in October 2025 co-led by Accel and Ribbit Capital
10x year-over-year revenue growth reported as of its Series B
AI credit-underwriting models built for explainability under regulatory scrutiny
Nearly 300 lenders using its models, representing $5.5 trillion in assets
Automates up to 80% of loan applications without manual underwriting
Reports roughly a 20% reduction in chargeoffs for lenders using its models
$200M growth investment from Insight Partners in December 2024
Pros
Built AI-native from the start rather than retrofitted onto legacy accounting software
Extremely fast recent growth and funding validate strong market pull
Founder's finance-industry background shows in the product's workflow focus
Explainability built in specifically to satisfy lending regulators and examiners
Massive scale of lenders and assets under management validates real-world reliability
Reported chargeoff reduction gives lenders a concrete, measurable return
Cons
Quote-based pricing requires a sales conversation, no published rates
Young company, founded 2023, with a shorter track record than established ERP vendors
Best fit for companies actively migrating off legacy systems, not a quick add-on
Enterprise quote-based pricing requires a sales conversation
Built specifically for regulated lending, not applicable outside credit underwriting
Implementation requires integration with a lender's existing loan origination systems
Company
Campfire, founded 2023
Zest AI, founded 2009
Prices come from each vendor's pricing page, last checked 20260714. Check the vendor before you buy.
FAQ
Questions people ask
Is Campfire better than Zest AI?
In our reviews Campfire scores 4.3 and Zest AI scores 4.2. The better pick depends on the job. Campfire: Raised $100M in its first two years, winning startups away from NetSuite. Zest AI: 300+ lenders use its models to automate 80% of loan decisions.
Campfire
Zest AI
