Google for Startups

Earthbond is a company focused on providing carbon accounting information for commercial and residential clients in Africa. By analyzing energy consumption and financial data, Earthbond connects users with renewable energy vendors, particularly in the solar energy sector. This approach enables homes and businesses to achieve cost savings while contributing to environmental sustainability. Additionally, the company aims to leverage the collective power of neighborhoods to enhance pricing and financing options for its clients, promoting a more accessible transition to renewable energy solutions.

20APY: Simplifying financial freedom with decentralized finance 20APY is a fintech that uses high-yield alternative investments and zero-interest credit to simplify Financial Freedom. We employ blockchain technology to issue RWA Tokens that offer a fixed return of 20% per year, and the funds raised are used to foster the credit market in Brazil in low-risk operations.

Beta Financial Services is a company focused on providing fair access to capital for small and midsize businesses. By utilizing innovative technologies like BetaScore, the firm aims to eliminate bias within the financial services sector, ensuring a more equitable lending process. Currently operating in stealth mode, Beta Financial Services is developing its offerings to better serve the needs of its clients in an increasingly competitive market.

20APY: Simplifying financial freedom with decentralized finance 20APY is a fintech that uses high-yield alternative investments and zero-interest credit to simplify Financial Freedom. We employ blockchain technology to issue RWA Tokens that offer a fixed return of 20% per year, and the funds raised are used to foster the credit market in Brazil in low-risk operations.

Periculum develops data analytic software utilizing artificial intelligence and machine learning to enhance credit assessment for organizations in underserved markets. The company's platform focuses on alternative data to provide comprehensive credit evaluations for lenders and financial institutions in Africa. By empowering clients with advanced data analytics and credit assessment services, Periculum aims to accelerate economic empowerment and improve access to financial resources for those in need.

Evolve Credit Limited operates a platform designed to enhance financial accessibility and transparency for consumers in Africa. Established in 2020 and based in Lagos, Nigeria, the company enables users to compare a variety of loan products, including personal loans and business loans, based on price, interest rates, and terms. Its platform also features expert reviews and personalized recommendations, helping users select the most suitable financial options for their needs. In addition to serving individuals, Evolve Credit provides solutions for small and medium-sized enterprises, addressing a broad spectrum of lending requirements. The company's goal is to streamline the loan application process while promoting inclusivity in financial services.

Alajo is an Escrowed Digital Piggy Bank for the Under(un)banked without the need of internet access. We do this by helping the grassroot population save money every day (avg. $2.13 per day) using USSD, IVR and SMS through POS and Money Agents in their communities, delivered via a Savings Infrastructure.

MipangoApp is a financial data analysis, education, money management, and recommendations software for Financial Institutions, and a mobile application for the unbanked. They are enabling users to track their income and expenses, set financial goals, and get personalized financial advice and investment opportunities.

LoanWell, LLC provides a customizable loan origination system designed to streamline the entire loan process, including application intake, underwriting, closing, disbursement, and repayment. Established in 2017 and located in Durham, North Carolina, LoanWell serves community development financial institutions (CDFIs) by automating lending processes to enhance efficiency and deliver affordable capital to individuals and small businesses. The platform allows for secure management of applicant information and required documentation, while offering automated communication to facilitate application completion. By focusing on equitable access to capital, LoanWell aims to support mission-driven lenders in fostering community growth and economic development.

Snowball Wealth, Inc. is a financial management platform based in San Mateo, California, that provides tailored guidance for managing student loans and other financial challenges. Established in 2018, the company focuses on helping individuals navigate debt, retirement, and investments through personalized analysis and recommendations. Its mobile app features a community-driven approach that encourages open discussions about debt and financial planning while also offering AI-driven tools to create customized plans for users. By addressing the complexities of student debt and providing insights on refinancing options, Snowball Wealth aims to empower individuals to effectively manage their finances, build generational wealth, and achieve their financial goals.

CashEx is a digital banking mobile application platform based in Cambridge, Massachusetts, designed to facilitate financial inclusion for Africans moving to the United States. The platform allows users to send and receive money without incurring transaction fees and offers a range of features including easy signup, a multi-currency wallet, a fund wallet, and currency swapping. By providing access to US bank accounts and debit cards, CashEx aims to improve global transactions and ensure that immigrants have equitable access to essential financial services.

Deposits is a fintech company that develops a low-code, cloud-based platform aimed at enhancing the financial service offerings of banks and brands. By partnering with various financial institutions and businesses, Deposits provides a streamlined approach to money management and employee benefits. Its platform enables community banks, credit unions, insurers, and retailers to modernize their services and engage effectively with their customers. The tools offered include payment processing, mobile applications, and lending solutions, all designed to foster financial innovation and inclusion. Through these services, Deposits aims to transform workplace financial experiences and simplify access to essential financial services.

Kubo.financiero is a regulated finance company based in Mexico that provides a range of financial services including digital savings accounts, personal loans, term deposits, and a wallet application. Its innovative platform is designed to facilitate access to financial resources while promoting a lean operational model that results in lower interest rates for borrowers and higher returns for depositors. Kubo.financiero aims to foster financial inclusion and support the growth of Mexico's emerging middle class through customer-centric services that encourage economic empowerment and financial freedom.

NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.

Miren is an end-to-end lending software company for community development financial institutions. Miren’s software and data services eliminates the use of credit scores for small business lending. We are on a mission to expand access to financing capital to underserved small business owners.

Dollarito is a digital lending platform that helps the Hispanic population with no credit history or low FICO score access fair credit. The company specializes in the fields of credit, financial services, fintech, and personal finance.

Much is a social banking platform based in New York that empowers individuals, particularly millennials and Generation Z, to enhance their financial well-being. The platform facilitates saving, investing, and managing debt, aiming to help users make informed financial decisions. By fostering a community-oriented approach, Much enables its users to take control of their finances, save more effectively, and streamline the research process associated with money management.

Moneta is a financial service for merchants to use at the POS. After a customer pays with cash, It enables the cashiers to send back the spare change digitally whether the customer has a bank account or not. Moneta not only understands that decentralized currency is the future but we want to do our part by being the final frontier between the physical and digital currency. Pay cash and receive crypto as your change.

Snowball Wealth, Inc. is a financial management platform based in San Mateo, California, that provides tailored guidance for managing student loans and other financial challenges. Established in 2018, the company focuses on helping individuals navigate debt, retirement, and investments through personalized analysis and recommendations. Its mobile app features a community-driven approach that encourages open discussions about debt and financial planning while also offering AI-driven tools to create customized plans for users. By addressing the complexities of student debt and providing insights on refinancing options, Snowball Wealth aims to empower individuals to effectively manage their finances, build generational wealth, and achieve their financial goals.

FinanZero is an online marketplace for consumer loans based in São Paulo, Brazil, founded in 2015. The company operates as an independent broker, negotiating loan applications with over 50 banks and credit institutions to secure the best interest rates and terms for its customers. FinanZero simplifies the lending process by providing a user-friendly platform that allows individuals and small businesses to compare various financial products, including loans and credit cards. Through personalized support, FinanZero aims to make it easier for customers to access the financial services they need, ultimately streamlining the experience of obtaining loans.

CreditAIs specializes in providing innovative credit scoring tools tailored for micro businesses and individuals who do not conform to traditional credit scoring models. By utilizing machine learning, the company develops financial application programming interfaces (APIs) and software applications that deliver predictive insights, facilitating access to credit for underserved borrowers. This approach not only digitizes the credit application process for microlenders but also enhances lending conditions, thereby empowering individuals and small businesses with essential wealth-building resources.

Eversend SAS, founded in 2017 and based in Paris, France, offers a multi-currency e-wallet application that enables users to send and receive money, buy cryptocurrency, create virtual cards, and purchase airtime. The platform leverages blockchain technology to provide a digital payment gateway, facilitating electronic money transfers to bank accounts and mobile payments while minimizing costs associated with fees and foreign exchange. In addition to its current services, Eversend plans to expand its offerings to include personal loans, savings, group savings, merchant payments, and investment options. The company aims to grow its presence in Nigeria, Francophone Africa, and Europe while utilizing funds for product development, user acquisition, and regulatory compliance.

Uellbee is a technology company that specializes in financial wellness, providing a range of services aimed at improving personal finance management. The company offers debt refinancing loans and a proprietary tool called GPS Financiero, which assists users in managing their finances effectively. In addition, Uellbee provides personalized and flexible consumer loans targeted at the middle class, along with access to credit and financial coaching. Their platform also includes savings instruments, enabling individuals to automate their financial management and redesign their approach to consumer credit.

Payin7 discovers the possibility of delaying payment by financing your purchases in easy installments. From 2 to 12 installments. From 35 euros to 1500 euros. Payin7 is a company 100% Spanish equity. It was founded by professionals with over 25 years of experience in banking and electronic commerce.

Lupiya is an online marketplace for microloans, operating as a branch-less digital microfinance platform. It utilizes technology to simplify and enhance the borrowing process, ensuring that individuals and businesses, including those in rural and remote areas, can access essential financial services. The platform offers tailored loans for personal and business needs, with a particular focus on empowering women. By leveraging artificial intelligence, Lupiya aims to create an efficient and user-friendly experience for online loans, peer-to-peer investments, and digital payments, thereby broadening financial inclusion across the region.

CredPal is a financial platform that enables both businesses and individuals to make purchases and pay for them in installments at various online and offline merchants. Launched in 2018 by Fehintolu Olaogun and Olorunfemi Jegede, CredPal is headquartered in Lagos, Nigeria. The platform is designed to provide transparency and convenience, allowing users to set up their accounts and select payment plans that best suit their needs. By leveraging technology, CredPal minimizes risk and connects users with multiple financial institutions that offer credit. This service not only facilitates consumer access to credit for purchases but also empowers retail businesses to provide on-demand credit options to their customers.

Shecluded is a financial consulting company focused on empowering women through access to essential financial services. The company offers an online platform that provides business and personal loans with competitive interest rates, supporting women's personal development, career advancement, and business growth. In addition to loans, Shecluded supplies investment advisory, retirement planning, and health insurance services, all aimed at fostering financial independence and growth for women. Through these offerings, Shecluded seeks to help women achieve their financial goals and enhance their overall economic well-being.

REACH is credit scoring and financial literacy for frontier markets. Not only do we help individuals master their personal finances and access credit responsibly, we have built a universal credit scoring algorithm to enable any lender or retailer determine credit capacity and credit worthiness for anyone with a transaction history - bank account or mobile money. We see a world where responsible credit is a transformative force, enabling people and businesses to achieve their fullest potential. As we unlock credit ethically, those we serve can expand their reach to live better, more hopeful and confident lives.

Conta Black is a fintech company based in Brooklin Paulista, Brazil, founded in 2015. It provides a range of online banking services designed to facilitate financial management for its users. The company offers a digital bank account, a Black Money Card, and features such as mobile application access, internet banking, and loans. Users can execute financial transactions including ticket issuance, transfers between their Black Account and other banks, account payments, and withdrawals through the 24 Hour Network. By streamlining these financial services, Conta Black enables individuals to manage their finances more effectively.

Movimento Black Money serves as a vital resource for the Black community in Brazil, focusing on enhancing their economic participation and autonomy in the digital landscape. The organization addresses the unique challenges faced by this community by offering a range of financial resources and educational programs. It operates a digital marketplace and functions as a financial institution, providing tools and support to empower Black entrepreneurs and youth. Through its initiatives, Movimento Black Money aims to foster an innovative mindset, promote business development, and ultimately transform the Black entrepreneurial ecosystem.

ErudiFi is a technology company dedicated to making education more affordable in Southeast Asia. Operating under the names Danacita in Indonesia and Bukas in the Philippines, ErudiFi provides an education financing platform that assists students in obtaining low-interest educational loans. The platform enables users to apply for loans online, with approval based on factors such as family income, area of study, and academic merit. By streamlining the application process and minimizing documentation requirements, ErudiFi has facilitated funding for thousands of students, thereby enhancing access to education and contributing to long-term societal transformation.

Paperstack is a financial platform that offers working capital and business insights specifically tailored for e-commerce brands. The company leverages technology to deliver customized funding solutions that are easily integrated into existing operations. By providing on-demand working capital, Paperstack enables direct-to-consumer and retail brands to accelerate their growth through investments in inventory, advertising, and talent acquisition. The platform emphasizes a transparent fee structure, allowing online merchants to effectively manage their financial needs and enhance their business performance.

Kwara GmbH is a technology company that specializes in developing a digital banking platform tailored for savings and credit co-operative societies (SACCOs). Founded in 2018 and headquartered in Berlin, Germany, with an additional office in Nairobi, Kenya, Kwara aims to modernize credit unions by providing a comprehensive cloud-based solution. The platform facilitates loan application servicing and approval for members, while also offering integration services, customer support, real-time financial tracking, and compliance assistance. Kwara's offerings include Kwara Pronto, a tool for managing loans. Currently, the company serves over 200 SACCOs across Kenya, South Africa, and the Philippines, enabling these financial institutions to enhance their operations and improve access to formal financial services.

Vittas is a developer of a loan distribution platform that aims to enhance transparency in lending markets. The platform facilitates access to affordable and flexible loans for businesses without requiring collateral, enabling them to meet their working capital needs. In addition to supporting borrowers, Vittas provides lending institutions with essential tools to effectively assess credit risk, thereby fostering a more open and efficient lending environment.

Revival is a financial services company that specializes in debt relief. It buys consumer debt in bulk at discounted rates and enables consumers to access these discounts through its platform. By doing so, Revival helps individuals pay off their debts faster and at a lower cost, having already eliminated over $2 million in debt for its users.

Swipe Credit is a provider of an artificial intelligence-powered growth platform designed to assist lenders in enhancing their cash flow and improving the borrower experience. The platform offers a comprehensive solution focused on revenue-accelerating risk and compliance, along with financial inclusion capabilities. By leveraging behavioral intelligence, Swipe Credit enables lenders to gain deeper insights into their customers' profiles, thereby facilitating quicker and more informed decision-making. This approach helps lenders target untapped market segments and provides equitable services to small business borrowers, promoting financial inclusivity and growth within the lending industry.

BizCapital is a financial services provider that specializes in offering loans to small and micro businesses that lack access to traditional banking institutions. The company employs a digital evaluation system that quickly analyzes and ranks loan requests, allowing for rapid funding decisions. By leveraging technology, BizCapital streamlines the loan application process, enabling clients to secure the necessary funds to support their business operations efficiently through an online lending platform.

Avenue is an online financial platform designed to facilitate access to the U.S. investment market for all types of investors. By eliminating minimum investment requirements and reducing costs, Avenue aims to create a more inclusive financial environment. The platform offers a straightforward and efficient investment and banking experience, allowing users to engage in international investing with enhanced security, guidance, and comprehensive information. Through its services, Avenue seeks to remove barriers to entry in the American financial system, making it accessible to a broader audience.

EnrichHER Inc., established in 2017 and based in Atlanta, Georgia, specializes in empowering women-led businesses by facilitating affordable, non-dilutive funding through its EnrichHER Funding platform. This platform connects pre-screened women-led companies with investors for loans ranging from $50,000 to $75,000, similar to the model employed by Kiva. Additionally, EnrichHER offers educational resources and community support through its EnrichHER Society and EnrichHER Spark platforms, fostering a network of women entrepreneurs and providing them with opportunities for growth and connection.

A.M. Money provides no co-signer low-cost, and flexible college financing to help students finance their college education. They know that money is the predominant reason why someone will or will not graduate from college. They have experienced this first hand, and created the student loan product that they wished was available when they were going through college.

Zirtue, LLC is a Dallas-based company that has developed a mobile application aimed at facilitating loans between friends, family, and trusted individuals. Founded in 2018, Zirtue's platform allows users to request loans and establish repayment terms that suit both the lender and borrower. The application automates the repayment process through direct bank transfers, ensuring that payments are made seamlessly on a monthly basis. By digitizing the lending process, Zirtue eliminates the discomfort often associated with personal loans, making it easier for users to manage financial transactions within their personal relationships. The app integrates in real-time with creditors, enhancing the reliability of repayments and enabling users to navigate loans without the usual complexities.

Pravaler S.A. is a financial services company based in São Paulo, Brazil, specializing in the private education sector. Established in 2001, it offers a range of solutions, including educational loans for undergraduate, graduate, and distance learning programs. Pravaler's digital platform assists students in managing their financial commitments, allowing those who are behind on payments to catch up and enroll in courses without incurring additional charges. The company also provides debt renegotiation options through its Desenrola program, enabling graduates to address outstanding debts with flexible repayment terms. In addition to its core lending services, Pravaler engages in the management and structuring of investment funds, consultancy services, and the administration of accounts payable and receivable, while also offering risk assessment and credit advisory services tailored to the education sector.

Zirtue, LLC is a Dallas-based company that has developed a mobile application aimed at facilitating loans between friends, family, and trusted individuals. Founded in 2018, Zirtue's platform allows users to request loans and establish repayment terms that suit both the lender and borrower. The application automates the repayment process through direct bank transfers, ensuring that payments are made seamlessly on a monthly basis. By digitizing the lending process, Zirtue eliminates the discomfort often associated with personal loans, making it easier for users to manage financial transactions within their personal relationships. The app integrates in real-time with creditors, enhancing the reliability of repayments and enabling users to navigate loans without the usual complexities.

Agryo Inc. is a company specializing in artificial intelligence and blockchain technology to create a lending ecosystem tailored for farmers and individuals. Based in Brasília, Brazil, Agryo offers a peer-to-peer and marketplace lending platform that provides essential financial services, including credit assessments, risk evaluations, and contract monitoring through smart contracts. The company's infrastructure supports agribusiness by delivering services such as ratings, lending, insurance, price protection, savings accounts, and trade contracts. Additionally, Agryo provides global risk intelligence, enabling financial institutions to assess and manage risks at the crop field level for agriculture insurance, credit, trade finance, and environmental services. Established in 2018, the company focuses on improving the scoring and monitoring of financial services to help institutions automate and digitize their operations effectively.

REBEL is a data, tech and analytics-driven online platform led by technology and finance entrepreneurs. Founded in 2016, REBEL offers its customers fast, easy and trust-worthy credit of up to 50,000 reais for up to 24 months at interest rates as low as 2.9% per month. In addition, REBEL offers consumers free access to its proprietary REBEL Score, a credit score designed to transparently explain an individual’s credit profile and to suggest actionable steps to improve financial health.

TerraMagna is a digital lender based in Brazil, specializing in the agricultural sector of Latin America. The company offers a range of financial products tailored to meet the specific needs of farmers and agricultural businesses. These products include personal loans, CFB lending, embedded buy now pay later (BNPL) options for agricultural inputs, and crop-collateralized financing, all accessible through a user-friendly web interface. By addressing the unique challenges and opportunities within agriculture, TerraMagna aims to enhance the resilience of the agricultural value chain and promote sustainable food security.

Kredytmarket is an online financial platform that specializes in providing short-term loans to small businesses. The platform aims to streamline the loan application process, offering credit options for entrepreneurs with terms typically lasting six months. Borrowers can utilize the funds for various purposes, and the repayment of the principal is structured to occur at the end of the loan term. Kredytmarket's offerings include a range of loan amounts and flexible repayment options, making it easier for small businesses to access working capital quickly and efficiently.

Proportunity Limited is a technology-driven mortgage lender based in London, United Kingdom, specializing in providing innovative financing solutions for first-time home buyers. Founded in 2016 by Vadim Toader and Stefan Boronea, the company leverages artificial intelligence and machine learning to analyze real estate data, accurately forecasting house prices and identifying high-growth areas. By offering equity and mortgage loans, Proportunity aims to assist buyers in overcoming the challenges of deposit requirements, allowing them to purchase homes in promising locations while potentially paying less than their current rent. Through its data-driven insights, Proportunity empowers customers to make informed decisions in the real estate market.

Bnext is a fintech platform based in Madrid, Spain, that functions as a supermarket for financial products. It offers users the ability to create a current account quickly, providing nearly all the functionalities of a traditional bank without the need to engage with one. Users can consolidate their financial information by linking external accounts on the platform. The core innovation of Bnext is its Marketplace, where users can explore a diverse range of financial products from various fintechs and banks, all selected to meet their specific needs. This platform allows users to purchase and manage these products seamlessly within the app, without incurring excessive fees. Rather than focusing on selling numerous products, Bnext collaborates with fintechs to present the best available offers, encompassing services such as real estate investments, mutual funds, loans, and crowdfunding. By progressively integrating leading market products, Bnext aims to redefine banking by becoming a comprehensive financial service provider without the limitations of a traditional bank.

Finda, Inc. is a data-driven online comparison platform based in Seoul, South Korea, specializing in various financial products such as mortgages, personal loans, and investments. The company enables users to compare different financial offerings by collecting and analyzing data from multiple industries, including the automobile finance sector. Finda's platform not only helps users identify suitable financial products but also provides economic calculation services related to housing loans, monthly savings, and loan repayment. By focusing on delivering customized financial information, Finda aims to empower individuals to make informed financial decisions in a timely manner.