A rundown:

MobilePay USA went into beta yesterday after presenting at TechCrunch Disrupt. MobilePay is an iPhone app that allows consumers to store their credit and loyalty cards in their cell and use the phone to make payments. The app uses location technology to make the payments. The company has raised $100,000 of funding today.

Credit Sesame, which also debuted at TechCrunch Disrupt, aims to turn loan underwriting on its head by giving

consumers access to lender-grade underwriting software to help with credit decisions. According to TechCrunch, “Credit Sesame says that it uses the ‘same pricing engine that top banks use’ to find [credit] products.”

Gifi, also an iPhone app, lets consumers leave virtual money for their friends in various locations to entice them to “check-in” their location via Foursquare. To leave money, users can link their bank accounts or credit cards to Gifi. Gifi’s founders say that currently it utilizes real money for the service, but will eventually expand to other forms of currency, like Facebook Credits.Gifi is an outgrowth of Venmo, Philadelphia startup that allows for payments via SMS text and to social networking sites. (More on Gifi here.)

These startups come in advance of next week’s Finovate Fall, which will feature a host of new ventures, too. When it rains, it pours new companies, it seems.