404 Fund

404 Fund is a Palo Alto-based pre-seed and seed VC investing exclusively in fintech, with United States and Canada geographic scope. The source record explicitly flags this fund as fintech-only and not healthcare-relevant. For physician AI and digital health founders, this is not a healthcare investor and should not be approached as one.

The only plausible relevance for any healthcare-tangent founder is healthcare-fintech overlap, which includes patient financing, healthcare payments, revenue cycle management with a financial-services flavor, healthcare credit and lending products, and HSA or FSA-adjacent consumer financial products. Even in those cases, founders should expect 404 Fund to underwrite primarily as a fintech investor, with the healthcare context a secondary consideration rather than a core thesis pillar. Portfolio companies are not disclosed in the input record; founders considering a healthcare-fintech pitch should review the current book to confirm relevant exposure before investing time.

Check size is not specified in the source record. Stages are pre-seed and seed, with US and Canada geographic scope. As a fintech-dedicated fund, partner expertise centers on payments rails, banking-as-a-service, lending economics, regulatory navigation in financial services, and fintech-specific go-to-market dynamics rather than clinical or provider commercialization.

Named team members are not provided in the input record. The firm’s website is the right reference for partner identification.

Approach 404 Fund only if your healthcare company is structurally a fintech business that happens to operate in a healthcare context, with the primary revenue model and product surface area being financial rather than clinical or workflow-driven. Examples include patient lending, healthcare payments infrastructure, and consumer health-finance products. Pure clinical AI, physician workflow software, EHR-adjacent tools, hospital operations software, and pharma-services plays are out of scope. The right entry, if a fit exists, is via a fintech advisor or founder familiar with the firm. When pitching, lead with the fintech mechanic, the unit economics, and the regulatory pathway in financial services, and treat the healthcare context as the customer environment rather than the core thesis. Vertical healthcare founders should redirect to healthcare-dedicated investors elsewhere in this directory.