Google for Startups

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 specializes in providing tailored financial solutions and investment strategies for individuals and businesses. The company offers a range of services including investment management, retirement planning, and risk assessment, aiming to enhance clients' financial security and growth potential through personalized strategies.

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 an advanced data intelligence platform that leverages artificial intelligence and machine learning models. This platform processes large datasets, extracts meaningful insights, and automates data-driven workflows to enhance efficiency, optimize operations, and facilitate informed strategic decisions.

Evolve Credit is a Nigerian fintech company founded in 2020, headquartered in Lagos. It operates an online platform that empowers consumers to explore, compare, and apply for various loan products tailored to different needs, including personal loans, SME loans, and options for salary earners and the unemployed. The platform provides expert reviews, ratings, and comparisons based on price, interest rates, and other terms. Additionally, Evolve Credit offers a Software as a Service (SaaS) core banking platform that enables financial institutions to streamline, digitize, and manage deposit, lending, and recovery services efficiently. This platform includes no-code tools designed to offer personalized customer banking experiences both online and offline.

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 offers an end-to-end loan origination platform designed for community development financial institutions (CDFIs). It automates processes from intake to servicing, enabling efficient delivery of affordable capital to individuals and small businesses. Incorporated in 2017, LoanWell is headquartered in Durham, North Carolina.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

CashEx is a digital banking platform that provides US bank accounts, debit cards, and money transfer services with zero transaction fees. It features easy signup, a multi-currency wallet, a fund wallet, and currency swapping to enable inclusive financial access, including for immigrants moving to the United States. Headquartered in Cambridge, Massachusetts.

Deposits partners with brands, banks, and businesses to provide streamlined workplace experiences centered around money management and benefits.

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.

Tribal is a technology-driven financial services provider, specializing in offering small and medium-sized businesses in emerging markets access to modern payment methods and financing solutions. The company's platform enables SMBs to utilize multi-currency physical and virtual business credit cards, local and international wire transfers, short-term financing, and a comprehensive spend management tool, all integrated into a single, user-friendly interface. Tribal has secured funding from prominent investors such as SoftBank Latin America Fund, QED Investors, and Coinbase Ventures, and has been recognized by Visa as part of their FinTech Fast Track program.

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, lending opportunities, and a wallet application. The company employs a lean operational model that allows it to offer lower interest rates for borrowers while providing higher returns for depositors and investors. Kubo.financiero's innovative approach is designed to foster a "multiplier effect," aimed at generating and strengthening Mexico's emerging middle class through customer-centered financial solutions. By focusing on accessibility and user benefits, Kubo.financiero seeks to enhance financial freedom for its clients.

Much is a social banking platform based in New York that helps users save, invest, and reduce debt. The platform offers investment decisions and community-driven features designed to help millennials and Generation Z take control of their money, save more, and make informed financial decisions. By combining savings tools with investment options and debt management within a collaborative community, Much aims to simplify personal finance and help users manage their money more efficiently.

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.

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.

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 company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

FinanZero is an online marketplace in Brazil that operates as an independent loan broker, connecting borrowers with banks and credit institutions to compare loans and secure favorable terms. The platform negotiates on behalf of customers, manages the end-to-end lending process, and leverages a network of more than 50 lending partners to help individuals and small businesses access credit. It provides a user-friendly experience with personalized support to simplify finding and obtaining loans and related financial products from various banks. Founded in 2015 and based in São Paulo, FinanZero focuses on delivering transparent access to credit through its marketplace.

CreditAIs specializes in developing credit scoring tools tailored for micro businesses and individuals who are underserved by traditional credit scoring models. The company focuses on digitizing the credit application process for microlenders, enhancing their ability to provide credit to these borrowers. By leveraging machine learning, CreditAIs generates predictive insights that empower lenders to refine their lending conditions. This innovative approach not only facilitates access to credit for those outside conventional scoring systems but also supports wealth-building opportunities for individuals and small businesses.

Uellbee is a data-driven technology company dedicated to enhancing financial wellness for the middle class. It provides personalized and flexible consumer loans, focusing on debt refinancing solutions. Uellbee also features a proprietary personal financial management tool known as GPS Financiero, which assists users in managing their finances effectively. In addition to these services, the company offers financial coaching and savings instruments, enabling individuals to optimize their credit and automate their financial management. Through its innovative platform, Uellbee aims to empower consumers to take control of their financial health.

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 innovative online marketplace for microloans that operates as a branch-less digital microfinance platform. By leveraging technology, it simplifies and streamlines the borrowing process, making financial services accessible to individuals and businesses, including those in rural and remote areas. The company's platform incorporates artificial intelligence to enhance its offerings, which include tailored loans for personal and business needs, as well as investments and digital payments. Lupiya aims to empower underserved communities, particularly focusing on providing opportunities for women, thereby fostering financial inclusion across the region.

CredPal is a financial technology company based in Lagos, Nigeria, founded in 2018 by Fehintolu Olaogun and Olorunfemi Jegede. The company offers a platform that enables both businesses and individuals to purchase goods and services and pay for them in installments at various online and offline merchants. CredPal's solution enhances transparency by allowing users to set up accounts and select payment plans that minimize risk. The platform connects customers with multiple financial institutions, providing convenient access to credit at the point of checkout. This service not only facilitates consumer purchases but also empowers retail businesses to offer on-demand credit to their customers, thereby enhancing the overall shopping experience.

Shecluded is a financial services provider specializing in empowering women through tailored financial solutions. They offer loans, health insurance, wealth advisory services, investment advisory, retirement plans, and health insurance, aiming to help women achieve financial independence.

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.

Movimento Black Money is a Brazilian initiative dedicated to empowering the Black community through digital platforms and educational programs. It fosters entrepreneurship, promotes financial autonomy, and encourages innovation within the community.

Conta Black is a fintech company based in Brooklin Paulista, Brazil, founded in 2015. It specializes in providing online banking services, including the issuance of tickets, interbank transfers, account payments, and withdrawals through its Black Money Card, which is accessible via a 24-hour network. The company also offers a digital bank account, a mobile application, and internet banking services, along with various lending options. These features are designed to enable users to efficiently manage their finances and enhance their banking experience.

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.

ErudiFi is a mission-driven technology company focused on making education affordable in Southeast Asia. It operates under the brands Danacita in Indonesia and Bukas in the Philippines, expanding access to higher education by funding thousands of students through technology-enabled partnerships with universities and vocational schools. The company provides an education financing platform that enables students to apply for loans online and receive approvals based on factors such as family income, field of study, and merit, offering low-interest, affordable loans while reducing documentation hassles. By expanding access to financing, ErudiFi aims to drive educational opportunity and support long-term social and economic development in the region.

Vittas operates a loan distribution platform that enhances transparency across lending markets. The system provides businesses with access to working‑capital loans without collateral, using machine‑learning to assess credit risk. Embedded loan‑management software and flexible repayment options streamline inventory procurement and liquidity for medical and fintech operators, automating lending workflows and improving access to capital.

Swipe Credit offers an AI-driven growth platform designed to assist lenders in accelerating revenue while ensuring robust risk management and compliance. The platform leverages financial inclusion behavior intelligence to provide insights into each customer's life, enabling faster, data-informed decisions and access to untapped market segments.

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.

Zirtue, LLC is a Dallas-based company founded in 2018 that specializes in a mobile lending application designed to facilitate loans among friends, family, and trusted relationships. The application simplifies the lending process by automating payments, allowing users to receive repayments through direct bank transfers. This system ensures that loan amounts and repayment terms are set by the borrower and lender, fostering transparency and reducing the awkwardness often associated with informal lending. By integrating real-time payment capabilities, Zirtue enables users to manage loans conveniently and securely, thereby digitizing and mobilizing personal lending practices.

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.

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 founded in 2018 that specializes in a mobile lending application designed to facilitate loans among friends, family, and trusted relationships. The application simplifies the lending process by automating payments, allowing users to receive repayments through direct bank transfers. This system ensures that loan amounts and repayment terms are set by the borrower and lender, fostering transparency and reducing the awkwardness often associated with informal lending. By integrating real-time payment capabilities, Zirtue enables users to manage loans conveniently and securely, thereby digitizing and mobilizing personal lending practices.

Agryo Inc., established in 2018 and headquartered in Brasília, Brazil, specializes in developing artificial intelligence and blockchain-based solutions for the agricultural sector. The company offers a peer-to-peer lending platform that provides access to financial services, including credit assessment, risk evaluation, and smart contract monitoring. Agryo also delivers infrastructure support for agribusiness through services such as ratings, risk assessment, lending, insurance, price protection, savings accounts, and trade contracts. Its core business involves providing global enterprise risk intelligence to enable financial institutions to assess, manage, and monitor financial risks at the crop field level, facilitating underwriting of agriculture insurance, credit, trade finance, and environmental services like carbon credits.

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 Brazilian fintech company specializing in innovative financial solutions for the agriculture sector. It offers personal loans, CFB lending, embedded buy-now-pay-later services for agricultural inputs, and crop-collateralized financing, all accessible via its web platform. TerraMagna aims to strengthen the entire agricultural value chain by providing tailored credit options, reducing dependence on traditional financiers, and promoting sustainable food security.

Kredytmarket is an online platform that specializes in providing short-term loans to small businesses. The company aims to simplify the lending process for entrepreneurs by offering loans with flexible terms, amounts, and repayment options. Its platform allows business owners to access credit for various purposes, typically with a loan duration of six months. Repayment of the principal is structured to occur at the end of the contract, enabling small businesses to secure working capital quickly and efficiently.

Proportunity Limited is a technology-driven mortgage lender based in London, United Kingdom, founded in 2016 by Vadim Toader and Stefan Boronea. The company specializes in providing mortgage and equity loans designed to assist first-time home buyers in increasing their deposits. Proportunity utilizes an AI-powered forecasting platform to analyze real estate data and identify emerging trends and high-growth areas within the UK housing market. By leveraging machine learning, the company offers insights that enable customers to purchase homes in areas projected for significant appreciation, allowing them to pay less than their current rent and save more effectively. Through its innovative approach, Proportunity aims to facilitate homeownership for individuals seeking to enter the property market.

Bnext is a Madrid-based fintech platform that operates as a digital banking platform and marketplace for financial products. It enables users to open a current account quickly and connect external bank accounts and other financial information within a single app. Through a curated marketplace, users can access a range of financial and insurance products from selected fintechs and banks, compare offers, and purchase or manage products without leaving the app. The company emphasizes collaboration with its partners to provide competitive, well-matched options, including offerings across real estate investment, mutual funds, loans, crowdlending, and microloans. By aggregating accounts and products, Bnext aims to simplify personal finance and expand access to diverse financial services.

Finda operates an online platform that compares various financial products such as mortgage, personal loans, P2P loans, and investments. Headquartered in Seoul, South Korea, the company aims to provide customized financial services and timely information by integrating data from diverse industries.