Accion

Magma is a building materials B2B manufacturing platform and supply chain enablement platform. Its product stack includes factory and supplier-specific applications that help partner factories obtain raw materials, locate global buyers, and gain access to energy and resources. It enables factories to improve their output, practices, and global demand.

Foyer is a company focused on facilitating homeownership for first-time buyers through an innovative savings account platform. The platform is designed to help users establish credible savings accounts specifically for home purchases, combining market savings accounts with potential state tax incentives and rewards for contributions. By streamlining the savings process, Foyer enables customers to accumulate funds more efficiently for their down payments, ultimately assisting them in achieving the goal of homeownership. Through its unique approach, Foyer aims to make the American dream of owning a home more accessible and attainable.

Banco Contactar is a microfinance institution specializing in providing financial services to rural communities. It offers credit services, savings accounts, microinsurance, financial education, and debt insurance to support small businesses and individuals in achieving their financial goals. The company also focuses on managing and mitigating social, environmental, and climate change risks.

Finfra is an infrastructure provider that specializes in enabling non-financial platforms to incorporate lending capabilities. By offering a comprehensive financial and lending infrastructure, Finfra facilitates the integration of financial services into various technology environments. The company streamlines the process from application to decision-making to operational execution, allowing businesses to transform into fintech entities with ease. Through its services, Finfra helps companies unlock new revenue streams and enhance their operational efficiency by seamlessly embedding lending functionalities into their existing platforms.

First Circle is a financial services company based in Taguig, Philippines, founded in 2015. It focuses on providing consumer lending, mortgages, and asset-based lending services, specifically tailored for small and medium enterprises (SMEs) in Southeast Asia. The company has developed an online financing platform that offers collateral-free short-term loans and trade financing to support the growth of businesses. By leveraging advanced data analytics and a user-friendly online account system, First Circle aims to enhance access to funding for SMEs, empowering business owners to expand beyond their immediate networks. Additionally, the company offers dedicated customer support and resources to foster a community among entrepreneurs, facilitating long-term growth and opportunity.

FlexiLoans is a Mumbai-based lending platform established in 2016, dedicated to providing quick and flexible funding solutions for small and medium-sized enterprises (SMEs) in India. Recognizing that over 80% of loan applications from SMEs are often rejected by traditional financial institutions due to insufficient credit history or collateral, FlexiLoans aims to bridge this financing gap. The company leverages digital transformation and advanced data analytics to create an online marketplace that connects loan seekers with potential investors. This innovative approach allows SMEs, particularly those lacking conventional credit histories, to access customized business loans, seasonal inventory financing, and equipment funding. By focusing on alternative scoring methods, FlexiLoans aspires to tap into the significant unserved demand within the SME sector, fostering growth and economic development.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

TransBnk is a transaction banking platform designed to facilitate agile, secure, and efficient financial transactions for corporate, commercial, and institutional clients. The company leverages Embedded Finance and Software as a Service (SaaS) to enhance domestic cash management and payment processes. By working closely with banks, TransBnk offers a range of services, including escrow, trade finance, supply chain financing, and custodial services. The platform is equipped with features such as real-time settlement, fraud prevention, and compliance with regulatory requirements, thereby ensuring increased efficiency, transparency, and security for its clients.

Agrizy operates an agri-processing platform that focuses on providing supply chain solutions for agribusinesses. The company connects processors and buyers of non-perishable farm products in both food and non-food categories, including items such as jute, oilseeds, cereals, and pulses. By facilitating these connections, Agrizy enables agri suppliers to effectively manage their supplies and enhance their operational success. The platform is designed to streamline transactions, thereby supporting the overall efficiency of the agricultural supply chain.

Sukhiba is a decentralized community-based commerce platform that focuses on enhancing customer engagement through conversational commerce. It provides businesses with tools designed to facilitate interactions via WhatsApp, allowing for efficient management of customer relationships. The platform enables companies to send notifications, process orders, and streamline operations, ultimately supporting growth in sales. By leveraging conversational technology, Sukhiba aims to create a more interactive and responsive shopping experience for both businesses and their customers.

Moffin is a fintech company that offers an integration platform for Know Your Customer (KYC) data providers, allowing businesses to efficiently collect and assess customer financial information. Its platform enables users to access and aggregate credit data through APIs, streamlining the processes of authorization, consultation, and evaluation. By providing a no-code option alongside API integration, Moffin caters to a diverse range of customer needs, ultimately helping companies save time and enhance operational efficiency in managing KYC compliance.

Amartha is a microfinance technology platform dedicated to fostering economic growth at the grassroots level by facilitating connections between micro and small to medium-sized enterprises (SMEs) and investors. The platform enables entrepreneurs, particularly in rural areas, to access microfinance loans through user-friendly mobile applications and websites. By bridging the gap between potential lenders and borrowers, Amartha aims to create equal opportunities for prosperity, thereby contributing to the overall development of local economies.

Cashinvoice is a digital marketplace that unlocks supply chain finance for small businesses. They provide a technology platform that links financial institutions, large corporations, and their MSME supply chain partners to extend working capital by offering embedded lending products that grow and scale. Cashinvoice's technologies enable corporations to accelerate their transformation, modernize and mobilize their finance team's operations, and maximize their business performance.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

AquaExchange is an innovative technology platform designed for shrimp and fish farmers, focusing on enhancing global protein sustainability in aquaculture. The platform leverages Internet of Things (IoT) technology to improve aquaculture yields, mitigate crop risks, and help farmers manage rising input costs. Key features of the platform include power management, feed automation, and aeration control, which collectively aim to reduce expenses and increase profitability for farmers. Additionally, AquaExchange offers a mobile marketplace application that facilitates interactions between aqua farmers and suppliers of essential inputs, such as hatcheries and feed, as well as consultants and market research producers. By connecting these stakeholders, AquaExchange promotes efficiency and sustainability within the aquaculture industry.

Semaai is a technology company focused on providing an end-to-end solution for farmers, agricultural shop owners, and other stakeholders in the agriculture supply chain. Its platform includes a marketplace for agricultural inputs, advisory services, and soil testing, all designed to help farmers optimize their earnings and increase crop yields. By offering access to financing services and facilitating new market opportunities, Semaai aims to enhance the overall efficiency and profitability of the agricultural sector.

Showroom B2B is developing a comprehensive platform aimed at transforming India's $108 billion fashion industry by directly connecting Tier 2+ clothing retailers with small to mid-scale apparel manufacturers. This innovative “Phygital” marketplace emphasizes a "Touch & Feel" selling approach, minimizing product returns through an effective distribution model. Showroom B2B creates Experience Centres for retailers, fostering confidence in their purchases by ensuring they can assess product quality firsthand. The platform enhances the business landscape by offering effective solutions in distribution, credit, logistics, and marketing, benefiting both clothing retailers through improved margins and manufacturers with opportunities for aggressive growth. By providing insightful data and tools, Showroom B2B empowers all participants in the fashion value chain to streamline operations and maximize sales.

Verqor is an innovative platform that aims to transform the agricultural sector by integrating finance and technology. It facilitates access to cashless credits for farmers, enabling them to purchase necessary supplies and technology. The platform employs alternative data-driven credit scoring methods to promote financial inclusion and enhance agricultural practices. By connecting various stakeholders in the agriculture industry, including farmers, financial institutions, and crop buyers, Verqor creates a network that allows for efficient transactions and improved supply chain transparency. This approach not only empowers farmers with the resources they need but also allows financial institutions to offer low-risk credit options based on the unique credit profiles established through their data-driven methods.

Bababos is a supply chain management platform that facilitates small and medium-sized enterprise (SME) manufacturers in accessing a diverse range of high-quality raw materials, including polymers, chemicals, and metal products like steel. By connecting buyers and sellers, Bababos simplifies the procurement process, allowing manufacturers to avoid the complexities of managing multiple suppliers. The platform digitizes administrative tasks, streamlining the buying experience and enhancing overall efficiency. Additionally, Bababos offers flexible payment options that alleviate financial pressures on manufacturers, enabling them to focus on their core operations of producing high-quality products. Through its services, Bababos significantly improves the supply chain dynamics for SME producers.

CredRight is a data-driven lending platform that specializes in providing unsecured loans to micro, small, and medium enterprises. The company enables users to register online, upload necessary documents, and apply for loans conveniently from any location, significantly reducing the time required to secure funding. By streamlining the loan application process, CredRight facilitates access to collateral-free working capital loans, making it easier for small businesses to meet their financial needs. The platform's focus on efficiency and user experience positions it as a valuable resource for entrepreneurs seeking quick and hassle-free financing solutions.

Licify is a cloud-based procurement platform focused on the construction industry, facilitating improved interactions among developers, contractors, sub-contractors, and suppliers. By fostering a transparent and efficient community throughout the value chain, Licify enhances procurement and supply processes, leading to cost savings and increased profitability. The platform offers digital supply-chain management solutions that streamline transactions between builders and suppliers, allowing purchasing teams to operate more effectively and control project expenses. Utilizing advanced technology, Licify validates supplier information for compliance and enhances the analysis of proposals and budget data, empowering clients to make informed purchasing decisions.

Channel19 is a company that has developed a digital freight aggregation platform designed specifically for small truckers. This platform allows truckers to consolidate freight from various digital broker and load board relationships, enabling them to identify the most profitable loads for their operations. By simplifying the navigation, evaluation, and booking processes within the digital marketplace, Channel19 enhances the efficiency of freight management. Truckers using this platform can potentially increase their revenue by up to 20% and save over $3,000 per truck annually in dispatch costs. Through its innovative approach, Channel19 aims to empower small trucking businesses by providing them with the tools needed to optimize their freight operations.

IKF Finance Limited is a non-banking financial company based in Hyderabad, India, established in 1991. It specializes in providing finance for commercial vehicles and construction equipment, as well as other types of loans. The company offers vehicle loans for both new and used commercial vehicles, working capital loans for transport operators, and asset/collateral management services. IKF Finance Limited was previously known as IKF Finance & Investments Limited before changing its name in October 1998.

Trukkr is Pakistan's first and largest online logistics platform, founded in 2019. The company streamlines the booking process for commercial cargo by connecting shippers with transporters through a secure and user-friendly platform. Trukkr provides shippers with transparency in pricing, visibility, and options while offering transporters easy access to job opportunities on-demand. Its platform allows users to enter cargo details, select vehicle types, and manage pick-up and drop-off schedules, facilitating efficient road haulage for various sectors, including individuals, households, and businesses. Trukkr aims to modernize Pakistan's trucking industry, enhancing the overall logistics experience for millions of truckers and ensuring timely access to the right transportation resources.

Semaai is a technology company focused on providing an end-to-end solution for farmers, agricultural shop owners, and other stakeholders in the agriculture supply chain. Its platform includes a marketplace for agricultural inputs, advisory services, and soil testing, all designed to help farmers optimize their earnings and increase crop yields. By offering access to financing services and facilitating new market opportunities, Semaai aims to enhance the overall efficiency and profitability of the agricultural sector.

Magma is a building materials B2B manufacturing platform and supply chain enablement platform. Its product stack includes factory and supplier-specific applications that help partner factories obtain raw materials, locate global buyers, and gain access to energy and resources. It enables factories to improve their output, practices, and global demand.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company focuses on enhancing employee productivity by offering financial empowerment solutions. By providing quick access to funds, Advance Tech Lending helps employees meet their daily financial needs with minimal hassle, charging only a processing fee without any interest. This approach not only facilitates immediate financial relief but also contributes to increased employee engagement, reduced turnover, and lower workplace stress, thereby assisting organizations in attracting and retaining talent.

Tienda Pago is a merchant support platform designed to assist small merchants in emerging markets by facilitating mobile cashless payments and financing for inventory purchases. The company focuses on creating an ecosystem where both distributors and traders can thrive by offering a closed-loop payment mechanism that leverages mobile technology. This system allows merchants to buy high-demand products on credit, thereby increasing their sales and profit margins. Tienda Pago's platform addresses inefficiencies in traditional payment methods, enabling seamless cashless transactions and supporting the growth of small businesses within its network. Through its services, Tienda Pago aims to promote collaboration among participants, encouraging more traders and distributors to engage with its innovative solutions.

Fairbanc is an AI-powered online payments platform based in San Francisco, California, designed specifically for small and medium enterprises (SMEs) in emerging markets. The platform provides access to credit without the need for collateral or a credit history. By leveraging digital footprints, such as transaction histories and mobile data, Fairbanc offers instant digital credit lines that SMEs can use to purchase inventory from approved suppliers. This innovative approach not only facilitates easier payment processes but also helps retail shop owners increase sales by up to 20% while allowing them to develop a credit history. Additionally, suppliers benefit from more consistent order cycles and instant payments upon delivery, enhancing their sales opportunities. Fairbanc's gender-intelligent ecosystem aims to eliminate the limitations of cash transactions and empower SMEs across various sectors.

Fisdom is a prominent digital wealth platform in India that provides a diverse array of financial products and services tailored for retail and mass affluent customers. The company offers a comprehensive suite of options, including stocks, mutual funds, pension funds, sovereign bonds, insurance, and tax services, positioning itself as a one-stop solution for financial needs. Fisdom has transformed the wealthtech landscape by implementing a B2B2C distribution model through strategic partnerships with leading banks, granting it access to a vast customer base exceeding 400 million. The platform integrates seamlessly into the mobile banking applications of partner banks, enhancing user experience through a hybrid model that combines digital and assisted service options. With an active customer base of 1.2 million, a significant portion of which is from tier 2 and tier 3 cities, Fisdom has established itself as a key player in the financial services sector. The company's achievements have been recognized through various awards, underscoring its impact and innovation in the industry.

AquaExchange is an innovative technology platform designed for shrimp and fish farmers, focusing on enhancing global protein sustainability in aquaculture. The platform leverages Internet of Things (IoT) technology to improve aquaculture yields, mitigate crop risks, and help farmers manage rising input costs. Key features of the platform include power management, feed automation, and aeration control, which collectively aim to reduce expenses and increase profitability for farmers. Additionally, AquaExchange offers a mobile marketplace application that facilitates interactions between aqua farmers and suppliers of essential inputs, such as hatcheries and feed, as well as consultants and market research producers. By connecting these stakeholders, AquaExchange promotes efficiency and sustainability within the aquaculture industry.

R5 is a company based in Colombia that simplifies vehicle ownership by providing an online insurance and lending platform. It enables low-income customers to use their cars and motorcycles as collateral to secure financing. The platform facilitates access to funds for refinancing expensive debt or investing in businesses, offering a digital process for purchasing compulsory vehicle insurance with affordable policies. Through its services, R5 allows customers to leverage their vehicles to obtain credit at lower rates, making financial opportunities more accessible.

Khazna is a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of the population who are active smartphone users but lack access to traditional banking. The company offers a range of services, including General Purpose Credit, Buy Now Pay Later (BNPL), bill payment, savings, and insurance. Additionally, Khazna enables employers to provide cash advances to employees for unforeseen emergencies and facilitates seamless transfers and withdrawals without transaction fees. By focusing on digitizing cash transactions, Khazna aims to provide convenient, effective, and secure smartphone-based financial solutions, thereby improving the overall financial landscape in Egypt and potentially beyond.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

MyRobin.id is an end-to-end talent hub based in Jakarta, Indonesia, that connects businesses with pre-screened, quality workers on flexible contracts, including both long and short-term options. Launched in 2019, the company has developed a hiring intelligence platform designed to streamline the employee-employer matching process. This platform efficiently allocates workers based on their experience, skills, and location, while also managing associated paperwork, attendance tracking, payments, and insurance. By simplifying the hiring process, MyRobin.id enables clients to access a convenient and hassle-free solution for their workforce needs.

Annapurna Finance is a microfinance company dedicated to the financial and economic upliftment of underserved women and economically backward clients. The firm focuses on expanding microfinance operations in areas that remain outside the formal financial system, providing essential financial and technical support to help clients develop entrepreneurial skills and engage in business activities. Annapurna Finance offers a range of services, including micro-loans for clean water, sanitation, home improvement, support for widowed families, and small businesses. Additionally, the company provides customized insurance plans tailored to the specific needs of its clients, ensuring that they receive the financial assistance necessary for economic empowerment throughout various stages of their lives.

Kuunda is a B2B advisory platform that specializes in providing financial services tailored for developing economies. The company offers a range of solutions including liquidity management tools, data insight tools, and consulting services. Its platform empowers users, such as underserved agents, merchants, and consumers, to access the liquidity they need to meet their financial requirements. By facilitating connections between users and bank partners, Kuunda enhances network productivity and encourages the distribution of products, ultimately promoting economic resilience and growth. The company aims to help individuals and businesses maintain their standard of living while driving measurable results through its innovative digital offerings.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

Cashinvoice is a digital marketplace that unlocks supply chain finance for small businesses. They provide a technology platform that links financial institutions, large corporations, and their MSME supply chain partners to extend working capital by offering embedded lending products that grow and scale. Cashinvoice's technologies enable corporations to accelerate their transformation, modernize and mobilize their finance team's operations, and maximize their business performance.

CredRight is a data-driven lending platform that specializes in providing unsecured loans to micro, small, and medium enterprises. The company enables users to register online, upload necessary documents, and apply for loans conveniently from any location, significantly reducing the time required to secure funding. By streamlining the loan application process, CredRight facilitates access to collateral-free working capital loans, making it easier for small businesses to meet their financial needs. The platform's focus on efficiency and user experience positions it as a valuable resource for entrepreneurs seeking quick and hassle-free financing solutions.

Capiter is a B2B e-commerce marketplace based in Cairo, Egypt, that connects small businesses, vendors, wholesalers, and FMCGs on a single platform. Founded in 2019, the company streamlines the supply chain by allowing merchants to order products online and access on-demand credit facilities. Capiter facilitates immediate payment to suppliers for goods sold to buyers, thereby mitigating collection and credit risks. By leveraging advanced technology and machine learning, it enhances operational efficiency and data accuracy across the supply chain. This approach not only supports small businesses in increasing sales and expanding their customer base but also improves cash flow management.

Dinie is a pioneering fintech company specializing in embedded lending infrastructure tailored for B2B platforms in Brazil, particularly focusing on the underserved micro, small, and medium-sized enterprise (MSME) market. The company simplifies the process for digital platforms to offer instant revolving lines of credit and B2B payment solutions through straightforward API integration. By providing flexible financial services with pre-approved credit limits, Dinie empowers businesses to access the financial tools necessary for their growth and success. Its innovative approach positions Dinie at the forefront of the embedded lending model and open finance landscape in Brazil.

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016, that aims to enhance access to credit and finance for small and medium enterprises. The company offers a mobile-first platform that allows businesses to open accounts, manage funds, and build credit profiles efficiently, often within 15 minutes. Utilizing proprietary credit scoring algorithms, Lidya enables business owners to access essential credit and working capital, including invoice financing, to support their growth and financial planning. Additionally, the platform includes tools and dashboards designed to help businesses manage their receivables and cash flow, thereby improving their credit scores and unlocking higher credit limits at more affordable rates.

Fairbanc is an AI-powered online payments platform based in San Francisco, California, designed specifically for small and medium enterprises (SMEs) in emerging markets. The platform provides access to credit without the need for collateral or a credit history. By leveraging digital footprints, such as transaction histories and mobile data, Fairbanc offers instant digital credit lines that SMEs can use to purchase inventory from approved suppliers. This innovative approach not only facilitates easier payment processes but also helps retail shop owners increase sales by up to 20% while allowing them to develop a credit history. Additionally, suppliers benefit from more consistent order cycles and instant payments upon delivery, enhancing their sales opportunities. Fairbanc's gender-intelligent ecosystem aims to eliminate the limitations of cash transactions and empower SMEs across various sectors.

Lami is an end-to-end digital insurance platform and API that enables companies across sectors to offer insurance products. Its API allows underwriters to connect with consumer-facing companies that can provide embedded insurance as a value add for existing customers, many of whom are uninsured.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

Henry trains software developers and data scientists for free in LatAm and helps them find a job remotely in exchange for a share of their future income. More than +1,000 companies from all around the world hire HENRY talent.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

TerraMagna is a Brazil-based digital lender focused on addressing the specific challenges and opportunities within the agricultural sector in Latin America. The company provides a comprehensive suite of financial products, including personal loans, Canadian Forces base lending, embedded buy now pay later options for agricultural inputs, and crop-collateralized financing. These offerings are accessible through an online platform designed to enhance user experience. TerraMagna aims to not only provide credit but also to contribute to the transformation of agriculture by strengthening all links in the agricultural value chain and encouraging sustainable food security practices.

Arya Collateral Warehousing Services Private Limited specializes in post-harvest services that support the agricultural value chain. The company offers a range of storage and logistics solutions, including warehousing, fumigation, quality testing, and port handling. It also provides stock audits for commodity loans and cash credit, as well as procurement facilitation services that assist with on-field farmer procurement and export assistance. Additionally, Arya offers consulting services focused on the post-harvest value chain, farm linkages, and commodity-based finance. The company caters to a diverse clientele, including farmers, farmer producer organizations, processors, financial institutions, agri-corporations, international buyers, and development actors. Established in 1982, Arya Collateral Warehousing Services is headquartered in Noida, India.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company focuses on enhancing employee productivity by offering financial empowerment solutions. By providing quick access to funds, Advance Tech Lending helps employees meet their daily financial needs with minimal hassle, charging only a processing fee without any interest. This approach not only facilitates immediate financial relief but also contributes to increased employee engagement, reduced turnover, and lower workplace stress, thereby assisting organizations in attracting and retaining talent.

Apollo Agriculture, established in 2015, is a Kenyan agtech company with a presence in Nairobi. It specializes in providing smallholder farmers with access to critical farming inputs, financing, and advisory services. The company leverages agronomic machine learning, remote sensing, and mobile technology to assess credit risk and tailor financial and technical assistance to each farmer's unique needs and location. This approach aims to enhance farm yields and profitability in emerging markets, with a focus on Kenya.

CreditMantri is an India-focused digital credit services management platform that assists consumers in understanding and improving their credit health. By creating comprehensive credit profiles using data from institutional sources, such as credit history and scores, along with alternative data, CreditMantri offers tailored solutions for users. These solutions may include guidance on discovering suitable loans or credit cards and accessing credit improvement services. Additionally, CreditMantri provides a range of services for lenders, including marketplace listings of credit products and tools that facilitate instant credit decisions for new-to-credit users. The platform also offers verification services and collaborates with over 55 lenders to enhance the credit experience for both consumers and financial institutions.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

SmartCoin Financials Private Limited operates a mobile app-based lending platform that specializes in providing unsecured loans to individuals outside the salaried class. Established in 2015 and based in Bengaluru, India, SmartCoin utilizes data science and machine learning algorithms to evaluate the risk profiles of potential borrowers in real time. The platform allows users to register, upload necessary documents, and select from various loan options. By leveraging a proprietary credit underwriting engine, it aggregates numerous data points from a customer's smartphone to create a tailored credit score. This technology enables SmartCoin to offer personalized loan products instantly, with funds transferred directly to the borrower’s bank account.

Field develops innovative pharmaceutical supply-chain technology aimed at enhancing healthcare delivery in rapidly growing regions. The company focuses on digitizing and modernizing supply chains, making them more effective and scalable. By providing accessible and efficient solutions, Field strengthens partnerships with communities and supports the promise of healthcare for millions. Its platform is designed to empower governments and businesses, transforming the way healthcare services are provided globally.

Khazna is a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of the population who are active smartphone users but lack access to traditional banking. The company offers a range of services, including General Purpose Credit, Buy Now Pay Later (BNPL), bill payment, savings, and insurance. Additionally, Khazna enables employers to provide cash advances to employees for unforeseen emergencies and facilitates seamless transfers and withdrawals without transaction fees. By focusing on digitizing cash transactions, Khazna aims to provide convenient, effective, and secure smartphone-based financial solutions, thereby improving the overall financial landscape in Egypt and potentially beyond.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

Prayaan Capital, established in 2018 and headquartered in Chennai, India, specializes in providing financial services to micro, small, and medium enterprises (MSMEs). The company offers a range of credit facilities, including secured and unsecured loans, machinery loans, and financing for small stores and manufacturing units. In addition to lending, Prayaan Capital provides mobile-based solutions, insurance services, business advisory, and financial health tracking tools to support the growth and development of MSMEs.

Toffee Insurance operates a digital insurance platform designed to provide affordable and accessible insurance solutions. The company offers a streamlined plan that encompasses health, lifestyle, and travel coverage, allowing customers to secure protection for various aspects of their lives, including health hazards and household items. By simplifying the insurance process and enabling easy monthly payments, Toffee Insurance aims to make insurance relevant to a broad audience, ensuring that individuals and families can obtain the coverage they need without unnecessary complexity.

Joust, Inc. is a company based in Austin, Texas, that develops a real-time software platform designed for social competition. Founded in 2013, Joust connects users with their friends and engages them through a variety of interactive features, including challenges, contests, polls, surveys, predictions, and competitions across diverse topics such as sports, entertainment, and politics. The platform aims to foster social interaction and engagement by allowing users to share their interests and participate in friendly competition. Additionally, Joust provides business banking and merchant services tailored for the self-employed, utilizing a chartered community bank to address the financial needs of independent workers.

Flex Finance is a spend management platform specifically designed to assist small and medium-sized enterprises in Africa with managing their finances. Recognizing that a significant number of businesses in the region fail due to inadequate financial management, Flex provides a solution that streamlines expense tracking and budgeting through an intuitive user interface. The platform offers features such as digital requisitions, bulk payment transfers, and comprehensive expense management tools, empowering businesses to digitize their daily operations and better control their spending. With high digital literacy among African businesses and a willingness to adopt digital solutions, Flex Finance aims to enhance financial management practices, ultimately contributing to the sustainability and growth of these enterprises.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

Ftcash is a rapidly growing financial technology company in India, recognized for its innovative approach to empowering micro-merchants and small businesses through digital payments and credit access. Founded in 2015, the company has developed a mobile payments platform that allows merchants to accept payments through various methods, including debit cards, credit cards, and mobile wallets, without the need for additional hardware. Utilizing a proprietary algorithm, ftcash assesses creditworthiness based on transaction flow data and other metrics, including psychometric analysis, to provide small and medium enterprises (SMEs) with access to institutional finance. The company collaborates with banks and financial institutions to implement its solutions, facilitating financial inclusion for SMEs. With support from major players like PayPal and MasterCard, ftcash is expanding its services globally, aiming to enhance merchant services on an international scale.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

CÍVICO is a digital company that maps cities and citizens by crowdsourcing location data to drive transactions between consumers, merchants and brands. CÍVICO is currently up and running in México City, Bogotá and Santiago with more than 4 million monthly active users using our apps and web, 1,000,000 crowdsourced places in its database and 50,000 crowdsourcer´s mapping their cities. From the consumer perspective, we are solving their daily needs in their city by aggregating all their city in a single app. CÍVICO is a multipurpose app where we are building and mapping the most relevant digital information system which includes local places, news, public transport, bicycles, events, movies, deliveries, and much more. From the business perspective, we are understanding real time consumer behavior by mapping daily life in the city and we connect those consumers with key markets in a city. Currently we are focused on 4 key players in a city: merchants/smb´s, banks, brands and government.

Destácame SpA is a Chilean company based in Santiago that specializes in developing and marketing a behavior-based credit-ranking service, making it the first of its kind in Latin America. The company offers an online financial management platform designed to enhance financial inclusion and improve overall financial health. Its suite of products enables users to manage various aspects of their financial lives, including past-due debt repayment, credit history, consumer loans, credit cards, and savings. By providing these tools, Destácame empowers individuals to effectively handle and enhance their financial wellbeing.

Jeitto is a financial technology company based in São Paulo, Brazil, founded in 2014. It operates a digital platform that offers interest-free loans, targeting unbanked individuals. The app combines loan services with functionalities for mobile recharges and bill payments, aiming to enhance users' financial experiences by providing credit and convenience. Jeitto's platform features a digital wallet that allows users to make purchases and payments using a credit limit accessible through the app, facilitating access to credit for small transactions.

BASIX Sub-K iTransactions Limited, established in 2010 and headquartered in Hyderabad, India, operates a mobile technology-based transactional platform designed to provide digitized services to residents in rural, urban, and semi-urban areas. The company offers a range of financial services including banking, savings, government payments, money transfers, utility payments, and prepaid mobile top-ups through a network of basic convenience outlets. Sub-K, which translates to "for everyone" in Hindi and indicates transactions within 1,000 meters distance for less than 1,000 rupees, serves as a subsidiary under the BASIX Social Enterprise Group. It recruits, trains, and equips local entrepreneurs as Business Correspondent agents who act as human ATMs, facilitating real-time banking and non-banking solutions at the last mile of connectivity between banks and end consumers. The company aims to bridge the digital divide by offering affordable, accessible, and scalable digital payment solutions to the bottom-of-the-pyramid segment, ultimately creating a financially included society.

Self Financial, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

Self Financial, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

Tez Financial Services Limited is a digital non-banking microfinance company based in Karachi, Pakistan, founded in 2017. It offers a comprehensive smartphone application that provides financial services to the unbanked and under-banked population. The platform aggregates various financial products, including nano credit services through Tez Advance, insurance distribution via Tez Bima, and investment solutions through Tez Sarmaya. By utilizing algorithms and artificial intelligence, the application analyzes users' digital footprints, social behaviors, and consumption patterns to facilitate access to credit, savings, insurance, and investment options. This innovative approach aims to address the financial needs of individuals seeking short-term liquidity and security in health and life insurance.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

Lumkani is a South Africa-based company founded in 2014, specializing in developing early-warning IoT heat sensors to mitigate the risks associated with fires in urban informal settlements. The company aims to enhance community resilience by combining technology with financial services, particularly addressing the insurance needs of underserved populations. Lumkani's innovative mesh networked fire detectors are designed for informal homes and enable community-wide alerts during fire incidents, significantly limiting fire spread. Currently, these detectors are installed in over 50,000 homes across South Africa, as well as in Bangladesh and Kenya. In 2017, Lumkani launched a pioneering fire detection and fire insurance bundle in partnership with Hollard Insurance, providing financial support to individuals affected by fires. As Lumkani expands its distribution platform, it continues to identify and address the protection gap by introducing additional relevant insurance products aimed at low-income customers.

Lend Street Financial, Inc. is a consumer lending company focused on assisting individuals in financial distress by providing solutions to refinance existing debt and rebuild their credit. Established in 2010 and headquartered in Oakland, California, the company operates in multiple states, including Arizona, Arkansas, California, Florida, Maryland, Massachusetts, Minnesota, Missouri, New Mexico, North Carolina, Oklahoma, Pennsylvania, and Texas. Lend Street Financial engages in negotiations with creditors to secure discounts on debts, which allows customers to reduce their financial burdens and achieve a fresh start. Through its partnerships within the financial sector, the company aims to facilitate debt relief, enabling clients to regain control of their financial futures.

CredRight is a data-driven lending platform that specializes in providing unsecured loans to micro, small, and medium enterprises. The company enables users to register online, upload necessary documents, and apply for loans conveniently from any location, significantly reducing the time required to secure funding. By streamlining the loan application process, CredRight facilitates access to collateral-free working capital loans, making it easier for small businesses to meet their financial needs. The platform's focus on efficiency and user experience positions it as a valuable resource for entrepreneurs seeking quick and hassle-free financing solutions.

Toffee Insurance operates a digital insurance platform designed to provide affordable and accessible insurance solutions. The company offers a streamlined plan that encompasses health, lifestyle, and travel coverage, allowing customers to secure protection for various aspects of their lives, including health hazards and household items. By simplifying the insurance process and enabling easy monthly payments, Toffee Insurance aims to make insurance relevant to a broad audience, ensuring that individuals and families can obtain the coverage they need without unnecessary complexity.

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016, that aims to enhance access to credit and finance for small and medium enterprises. The company offers a mobile-first platform that allows businesses to open accounts, manage funds, and build credit profiles efficiently, often within 15 minutes. Utilizing proprietary credit scoring algorithms, Lidya enables business owners to access essential credit and working capital, including invoice financing, to support their growth and financial planning. Additionally, the platform includes tools and dashboards designed to help businesses manage their receivables and cash flow, thereby improving their credit scores and unlocking higher credit limits at more affordable rates.

Lidya Live offer high engaging, interactive shopping experience for your customers.

Pula GmbH is an insurance intermediary based in Mollis, Switzerland, specializing in agricultural insurance broking services. The company focuses on providing data-driven insurance solutions for small-scale farmers across six countries in Africa. By leveraging machine learning and analyzing weather patterns and farm losses, Pula helps farmers navigate climate risks and enhance their agricultural practices. Through the use of mobile technology, Pula empowers hundreds of thousands of smallholders to protect their crops and make informed financial decisions, ultimately enabling them to invest in their farms and improve their overall income.

Tienda Pago is a merchant support platform designed to assist small merchants in emerging markets by facilitating mobile cashless payments and financing for inventory purchases. The company focuses on creating an ecosystem where both distributors and traders can thrive by offering a closed-loop payment mechanism that leverages mobile technology. This system allows merchants to buy high-demand products on credit, thereby increasing their sales and profit margins. Tienda Pago's platform addresses inefficiencies in traditional payment methods, enabling seamless cashless transactions and supporting the growth of small businesses within its network. Through its services, Tienda Pago aims to promote collaboration among participants, encouraging more traders and distributors to engage with its innovative solutions.

SmartCoin Financials Private Limited operates a mobile app-based lending platform that specializes in providing unsecured loans to individuals outside the salaried class. Established in 2015 and based in Bengaluru, India, SmartCoin utilizes data science and machine learning algorithms to evaluate the risk profiles of potential borrowers in real time. The platform allows users to register, upload necessary documents, and select from various loan options. By leveraging a proprietary credit underwriting engine, it aggregates numerous data points from a customer's smartphone to create a tailored credit score. This technology enables SmartCoin to offer personalized loan products instantly, with funds transferred directly to the borrower’s bank account.

BASIX Sub-K iTransactions Limited, established in 2010 and headquartered in Hyderabad, India, operates a mobile technology-based transactional platform designed to provide digitized services to residents in rural, urban, and semi-urban areas. The company offers a range of financial services including banking, savings, government payments, money transfers, utility payments, and prepaid mobile top-ups through a network of basic convenience outlets. Sub-K, which translates to "for everyone" in Hindi and indicates transactions within 1,000 meters distance for less than 1,000 rupees, serves as a subsidiary under the BASIX Social Enterprise Group. It recruits, trains, and equips local entrepreneurs as Business Correspondent agents who act as human ATMs, facilitating real-time banking and non-banking solutions at the last mile of connectivity between banks and end consumers. The company aims to bridge the digital divide by offering affordable, accessible, and scalable digital payment solutions to the bottom-of-the-pyramid segment, ultimately creating a financially included society.

SmartMEI is a Brazilian company that offers banking and automated accounting solutions specifically designed for micro-entrepreneurs. Founded by two Brazilian graduates from Stanford's MBA program, SmartMEI addresses the foundational needs of micro-business owners by providing a comprehensive business-in-a-box solution. This platform simplifies essential tasks such as ensuring compliance with government regulations, managing financial transactions, and organizing legal and fiscal obligations. Through its application, users can manage bank accounts, issue invoices, and handle payments and receipts efficiently. SmartMEI's services are currently utilized in over 3,500 cities across Brazil, helping entrepreneurs streamline their operations and focus on growing their businesses.

ESCALA EDUCACION S.A.S is a social enterprise based in Medellin, Colombia, founded in 2015. The company focuses on promoting access to higher education and financial inclusion by offering innovative savings plans to employees of its business partners. These plans allow employees to save for their own education or for their children's education through payroll deductions. ESCALA EDUCACION enhances these savings with company matching funds and provides additional benefits such as tuition discounts, scholarships, and career counseling. By partnering with various companies, ESCALA serves as their primary educational benefits provider, making higher education more accessible and affordable for employees.

Self Financial, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

Self Financial, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

First Circle is a financial services company based in Taguig, Philippines, founded in 2015. It focuses on providing consumer lending, mortgages, and asset-based lending services, specifically tailored for small and medium enterprises (SMEs) in Southeast Asia. The company has developed an online financing platform that offers collateral-free short-term loans and trade financing to support the growth of businesses. By leveraging advanced data analytics and a user-friendly online account system, First Circle aims to enhance access to funding for SMEs, empowering business owners to expand beyond their immediate networks. Additionally, the company offers dedicated customer support and resources to foster a community among entrepreneurs, facilitating long-term growth and opportunity.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Lidya Live offer high engaging, interactive shopping experience for your customers.

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016, that aims to enhance access to credit and finance for small and medium enterprises. The company offers a mobile-first platform that allows businesses to open accounts, manage funds, and build credit profiles efficiently, often within 15 minutes. Utilizing proprietary credit scoring algorithms, Lidya enables business owners to access essential credit and working capital, including invoice financing, to support their growth and financial planning. Additionally, the platform includes tools and dashboards designed to help businesses manage their receivables and cash flow, thereby improving their credit scores and unlocking higher credit limits at more affordable rates.

CreditMantri is an India-focused digital credit services management platform that assists consumers in understanding and improving their credit health. By creating comprehensive credit profiles using data from institutional sources, such as credit history and scores, along with alternative data, CreditMantri offers tailored solutions for users. These solutions may include guidance on discovering suitable loans or credit cards and accessing credit improvement services. Additionally, CreditMantri provides a range of services for lenders, including marketplace listings of credit products and tools that facilitate instant credit decisions for new-to-credit users. The platform also offers verification services and collaborates with over 55 lenders to enhance the credit experience for both consumers and financial institutions.

Destácame SpA is a Chilean company based in Santiago that specializes in developing and marketing a behavior-based credit-ranking service, making it the first of its kind in Latin America. The company offers an online financial management platform designed to enhance financial inclusion and improve overall financial health. Its suite of products enables users to manage various aspects of their financial lives, including past-due debt repayment, credit history, consumer loans, credit cards, and savings. By providing these tools, Destácame empowers individuals to effectively handle and enhance their financial wellbeing.

Aye Finance is a financial services company focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

Comunidad 4Uno (C4Uno) is an online platform that distributes tailored and market-based financial products to low income and financially excluded domestic workers. The company aims to be the largest and most reliable financial product distribution channel for the low income population in Mexico by 2020.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

Aire is a credit assessment and automation platform based in London, founded in 2014. The company specializes in providing credit scores to consumers, facilitating their applications for loans and credit cards. Aire's innovative approach enhances underwriting decisions by leveraging advanced data analytics. In addition to its operations in the UK, the company has expanded its services to the US market. Customers in the UK can contact Experian UK for any data requests related to their credit files associated with Aire.

Apollo Agriculture, established in 2015, is a Kenyan agtech company with a presence in Nairobi. It specializes in providing smallholder farmers with access to critical farming inputs, financing, and advisory services. The company leverages agronomic machine learning, remote sensing, and mobile technology to assess credit risk and tailor financial and technical assistance to each farmer's unique needs and location. This approach aims to enhance farm yields and profitability in emerging markets, with a focus on Kenya.