Alumni Ventures

Debbie is a mobile platform that incentivizes consumers to achieve their financial goals by rewarding positive financial behaviors rather than spending. Unlike traditional financial systems that focus on rewarding spending through credit card points, Debbie encourages users to save, pay off debt, and improve their financial health. The platform allows users to visualize their debt payoff progress and track various financial accounts, including credit cards and mortgages. Founded by experts in personal finance and lending, Debbie has successfully assisted over 10,000 individuals in paying off $1 million in debt and saving more than $10 million. By providing positive reinforcement and financial incentives, Debbie aims to address the root causes of financial insecurity.

Arch is a financial technology company that specializes in providing loans to owners of alternative assets, particularly in the cryptocurrency and non-fungible token (NFT) sectors. The company has developed a liquid crypto asset platform that enables users to manage all of their crypto assets in one location. Its primary offering includes over-collateralized crypto-backed loans, which are securely stored in qualified custody and free from rehypothecation of collateral. This service allows consumers to access instant loans against their crypto and NFTs while benefiting from real-time asset tracking, thus providing an efficient borrowing solution tailored to the needs of alternative asset owners.

Innoviti specializes in payment processing and management solutions, offering a range of software products designed to meet various merchant needs. Its offerings include uniPAY, a comprehensive payment and card management system for retailers; quickEMI, which allows consumers to pay for purchases in installments using their credit cards; pgEMI, providing similar installment options; and fastCollect, an automated collection technology tailored for banks and large retailers. The company's digital commerce platform supports secure payment operations across multiple channels, such as online, mobile, and in-store transactions. Innoviti serves a diverse array of markets, including retail, lifestyle, entertainment, education, and healthcare, effectively addressing the payment and credit distribution requirements of its clients.

UpEquity is a technology-driven mortgage platform that simplifies the home buying process. Founded in 2019 by Tim Herman and Louis Wilson while they were students at Harvard Business School, the company is headquartered in Austin, Texas. UpEquity offers services such as mortgage and refinance, enabling users to upload documents for pre-approval through its online portal. The platform combines free cash offers, automated underwriting, and competitive mortgage rates to facilitate quick offers and closings, making it accessible even for first-time homebuyers. By streamlining the application and approval process, UpEquity aims to democratize access to the housing market and enhance the overall home buying experience.

Honest is a company focused on developing financial products that enhance users' experience with economical transactions. It offers a credit card application characterized by no annual fees, low interest rates on purchases and balance transfers, as well as rewards points for every transaction. These features are designed to help customers build their credit history and improve their overall financial well-being. By prioritizing user-friendly financial solutions, Honest aims to make financial management accessible and beneficial for its customers.

Salus is a company focused on enhancing financial well-being for individuals, particularly within underserved communities. It partners with credit unions to deliver an innovative digital underwriting platform that facilitates greater access to credit. This platform integrates seamlessly, utilizing alternative data to evaluate applicants beyond traditional credit scores, thereby increasing approval rates. By assisting both new and existing members in improving their credit, Salus helps them progress toward their financial goals. Additionally, the platform aims to reduce unnecessary costs and barriers, ultimately fostering better financial outcomes for its clients and the communities they serve.

Finresi operates a digital brokerage platform that enables accredited investors to passively invest in high-yield, real estate-secured loans. The company focuses on small multifamily properties, allowing users to list their properties for sale in exchange for a commission. By streamlining the investment process, Finresi provides clients with access to secured loans that offer monthly distributions, eliminating the complexities associated with traditional property management. This approach aims to democratize access to high-yield returns and passive income through real estate investments.

Benny is an employee-focused lending platform that enables employees of publicly traded companies to participate in their employer's stock purchase plans. By providing access to discounted company stock, Benny aims to enhance employees' investment opportunities and maximize their earning potential. The platform is built on a commitment to workplace happiness and promotes joyful work environments through its innovative application, HeyBenny. This tool automates people management while offering personalized benefits, including a diverse range of well-being services and 24/7 support, all conveniently accessible to users.

Pontoro Inc. is a financial technology company established in late 2018, focused on enhancing investor participation in private market assets. The company is developing a patented technology solution that aims to create an innovative private investment platform, offering improved liquidity not typically available in traditional private investments. Pontoro's primary objective is to tackle the significant $15 trillion shortfall in infrastructure debt financing. By utilizing a blockchain-based platform, the company facilitates the flow of infrastructure loans from large bank originators to institutional investors, thereby providing greater access to asset liquidity and price transparency for these private market opportunities.

Brightside is a financial health company that offers an employer-based platform focused on improving the financial well-being of workers, particularly those living paycheck to paycheck. The platform addresses challenges faced by front-line workers, such as high turnover, healthcare costs, and productivity issues. Brightside provides tailored financial solutions supported by technology-driven financial assistants and a comprehensive app. This approach personalizes services to meet the individual needs of employees and their families, promoting better financial decision-making through behavioral science. By streamlining access to curated financial products, Brightside aims to enhance employee productivity and retention while contributing to a more diverse and equitable workplace.

Kanmon is a developer of an API-driven embedded lending platform that facilitates the integration of lending products into vertical SaaS and marketplace solutions. The platform is designed to help software companies and financial institutions enhance their offerings by providing their business customers with easy access to embedded lending options. By leveraging existing customer bases, Kanmon enables these entities to create additional revenue streams while supporting the growth of the Internet economy.

Innoviti specializes in payment processing and management solutions, offering a range of software products designed to meet various merchant needs. Its offerings include uniPAY, a comprehensive payment and card management system for retailers; quickEMI, which allows consumers to pay for purchases in installments using their credit cards; pgEMI, providing similar installment options; and fastCollect, an automated collection technology tailored for banks and large retailers. The company's digital commerce platform supports secure payment operations across multiple channels, such as online, mobile, and in-store transactions. Innoviti serves a diverse array of markets, including retail, lifestyle, entertainment, education, and healthcare, effectively addressing the payment and credit distribution requirements of its clients.

Benny is an employee-focused lending platform that enables employees of publicly traded companies to participate in their employer's stock purchase plans. By providing access to discounted company stock, Benny aims to enhance employees' investment opportunities and maximize their earning potential. The platform is built on a commitment to workplace happiness and promotes joyful work environments through its innovative application, HeyBenny. This tool automates people management while offering personalized benefits, including a diverse range of well-being services and 24/7 support, all conveniently accessible to users.

Innoviti specializes in payment processing and management solutions, offering a range of software products designed to meet various merchant needs. Its offerings include uniPAY, a comprehensive payment and card management system for retailers; quickEMI, which allows consumers to pay for purchases in installments using their credit cards; pgEMI, providing similar installment options; and fastCollect, an automated collection technology tailored for banks and large retailers. The company's digital commerce platform supports secure payment operations across multiple channels, such as online, mobile, and in-store transactions. Innoviti serves a diverse array of markets, including retail, lifestyle, entertainment, education, and healthcare, effectively addressing the payment and credit distribution requirements of its clients.

Fido is a developer of a digital financing platform that provides individuals and entrepreneurs with quick and secure access to instant credit loans. The platform allows users to apply for small credits without any fees, collateral, or guarantors. Utilizing advanced machine learning risk models, Fido's technology enables instant credit decisions for customers who may lack a financial track record. This approach not only facilitates access to essential financial services but also reduces operational costs, making it easier for users to obtain the financial support they need.

Copper Banking is a financial education platform designed to empower teenagers with financial literacy and banking services. By offering a user-friendly app and debit card, Copper enables teens to manage their money effectively, gaining hands-on experience that traditional banks often overlook. The platform facilitates money transfers, direct deposits, and payments while fostering a connection between parents and teens regarding financial decisions. Additionally, Copper provides exclusive content crafted by financial literacy experts, equipping users with valuable advice and tips to enhance their understanding of personal finance and help them take control of their financial futures. Through these features, Copper seeks to instill responsible financial habits in young users.

B Generous is a California-based fintech company established in 2021, specializing in a philanthropic credit product platform that facilitates immediate capital access for nonprofit organizations. The platform allows nonprofits to receive the full amount of donations upfront, thereby enabling them to focus on their missions without the stress of fundraising. Donors benefit by obtaining full gross tax deductions immediately and can finance their charitable contributions through interest-free payments over time. This innovative approach helps bridge the gap between donors and nonprofits, ensuring that charitable organizations have the necessary funding to operate effectively while providing donors with a flexible giving option.

Resolve is a B2B payments platform that facilitates buy now, pay later billing for business purchases, enabling merchants to offer risk-free net terms to their customers. By streamlining the payment process, Resolve assists manufacturers, wholesalers, and distributors in increasing sales and enhancing cash flow. The platform employs non-traditional underwriting data to analyze financing applications, allowing for the authorization of extended payment windows while assuming all repayment risks during the credit period. This service is applicable across various sales channels, including e-commerce checkouts, making it a versatile solution for B2B merchants. Resolve is supported by notable investors, including the co-founder of PayPal and Affirm.

Pontoro Inc. is a financial technology company established in late 2018, focused on enhancing investor participation in private market assets. The company is developing a patented technology solution that aims to create an innovative private investment platform, offering improved liquidity not typically available in traditional private investments. Pontoro's primary objective is to tackle the significant $15 trillion shortfall in infrastructure debt financing. By utilizing a blockchain-based platform, the company facilitates the flow of infrastructure loans from large bank originators to institutional investors, thereby providing greater access to asset liquidity and price transparency for these private market opportunities.

Obligo, Inc. is a financial technology company based in New York, founded in 2017, that specializes in providing open banking solutions to simplify the rental process for both tenants and landlords by eliminating the need for security deposits. Its primary offering, Obligo, allows tenants to authorize landlords to charge a limited amount for potential damages instead of requiring a cash deposit. This model enables landlords to receive compensation for claims quickly while allowing tenants to repay any charges in installments. Obligo's innovative approach combines AI-based underwriting with open banking technology, making it a unique non-insurance alternative to traditional security deposits. The platform enhances the tenant-landlord relationship by promoting fairness, trust, and accountability, while also helping property owners streamline their operations and adapt to evolving regulatory requirements.

UpEquity is a technology-driven mortgage platform that simplifies the home buying process. Founded in 2019 by Tim Herman and Louis Wilson while they were students at Harvard Business School, the company is headquartered in Austin, Texas. UpEquity offers services such as mortgage and refinance, enabling users to upload documents for pre-approval through its online portal. The platform combines free cash offers, automated underwriting, and competitive mortgage rates to facilitate quick offers and closings, making it accessible even for first-time homebuyers. By streamlining the application and approval process, UpEquity aims to democratize access to the housing market and enhance the overall home buying experience.

Honest is a company focused on developing financial products that enhance users' experience with economical transactions. It offers a credit card application characterized by no annual fees, low interest rates on purchases and balance transfers, as well as rewards points for every transaction. These features are designed to help customers build their credit history and improve their overall financial well-being. By prioritizing user-friendly financial solutions, Honest aims to make financial management accessible and beneficial for its customers.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Hello Alice is a FinTech platform established in 2017 by Carolyn Rodz and Elizabeth Gore, headquartered in Houston, Texas. The platform is designed to support small business owners by providing access to credit, loans, grants, and business planning services. It connects entrepreneurs of all backgrounds—regardless of gender, ethnicity, geography, or stage of growth—with the necessary programs, networks, and opportunities for success. Through its innovative use of machine learning, Hello Alice curates mentorship, events, tools, and resources tailored to the specific needs of each business. The company collaborates with enterprise business services, government agencies, and institutions to enhance support for small and medium enterprises, ultimately aiming to drive increased revenues for its users.

Sunbit, Inc. is a financing service provider that enables users to split purchases into affordable payments, enhancing financial accessibility for everyday needs. Founded in 2015 and headquartered in Los Angeles, California, the company utilizes artificial intelligence and machine learning technology to approve a majority of applicants, thereby reducing the financial stress associated with larger purchases. Sunbit offers a point-of-sale lending platform that is integrated into various service locations, including auto dealerships, optical practices, dental offices, and specialty healthcare services. In addition to its financing solutions, Sunbit provides tools such as tablets, scanners, and informational sheets to assist retailers in facilitating transactions. The company also has mobile applications available on major platforms, allowing users to access its services conveniently from their smartphones.

Stavvy, Inc. is a financial technology company based in Boston, Massachusetts, that specializes in a digital mortgage vendor platform aimed at transforming the lending experience. Founded in 2018 and originally named Stavros Technologies, the company provides tools such as Stavvy Connect, which facilitates secure communication and access to vendor data for mortgage banking professionals during the underwriting and settlement processes. Additionally, Stavvy Notarize enables title agents, lawyers, and notaries to conduct virtual closings and meetings in real-time using web conference technology. By eliminating paper-based processes and enhancing communication, Stavvy aims to improve operational efficiency while minimizing risk for its users in the mortgage industry.

Method Financial is a developer of a financial connectivity API that focuses on consumer liability data and payments. The company offers a loan management application designed to simplify and secure debt repayment. Its platform enables real-time access to consumer credit and liability accounts, facilitating end-to-end refinance experiences and one-click checkout capabilities. By providing comprehensive real-time credit data and integrated payment solutions, Method Financial empowers lenders, fintech companies, and financial institutions to create personalized lending and financial management experiences. This connectivity allows users to securely manage all their liabilities while retrieving detailed financial information.

SoLo is a New York-based financial technology company established in 2015. It operates a mobile platform that facilitates peer-to-peer lending, connecting individuals with emergency cash needs to those willing to lend. The platform assesses creditworthiness using technology, enabling low-dollar microloans with no interest and flexible terms. Since its launch in 2018, SoLo has processed millions of transactions, aiming to provide an equitable, empowering, and community-driven lending alternative.

Carputty is a consumer automotive startup that specializes in providing straightforward car loan services. Founded in 2020 by Patrick Bayliss and Joshua Tatum, the company offers a flexible line of auto credit designed to simplify the financing process for customers. Utilizing a proprietary predictive valuation tool, Carputty helps clients understand the optimal times to buy and sell their vehicles, encouraging them to view their cars as valuable assets. This transparent and user-friendly approach allows customers to access auto loans with ease, whether for refinancing, purchasing, or leasing vehicles.

Hello Alice is a FinTech platform established in 2017 by Carolyn Rodz and Elizabeth Gore, headquartered in Houston, Texas. The platform is designed to support small business owners by providing access to credit, loans, grants, and business planning services. It connects entrepreneurs of all backgrounds—regardless of gender, ethnicity, geography, or stage of growth—with the necessary programs, networks, and opportunities for success. Through its innovative use of machine learning, Hello Alice curates mentorship, events, tools, and resources tailored to the specific needs of each business. The company collaborates with enterprise business services, government agencies, and institutions to enhance support for small and medium enterprises, ultimately aiming to drive increased revenues for its users.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Resolve is a B2B payments platform that facilitates buy now, pay later billing for business purchases, enabling merchants to offer risk-free net terms to their customers. By streamlining the payment process, Resolve assists manufacturers, wholesalers, and distributors in increasing sales and enhancing cash flow. The platform employs non-traditional underwriting data to analyze financing applications, allowing for the authorization of extended payment windows while assuming all repayment risks during the credit period. This service is applicable across various sales channels, including e-commerce checkouts, making it a versatile solution for B2B merchants. Resolve is supported by notable investors, including the co-founder of PayPal and Affirm.

Own Up is a home loan marketplace designed to assist clients in locating suitable mortgages and lenders. The company focuses on ensuring that borrowers do not overpay for their mortgage by providing customized data that clearly outlines the appropriate payment amounts. Its services include tools for evaluating lenders, determining affordability, comparing loan offers, and obtaining pre-approval letters on demand. This comprehensive approach aims to optimize and simplify the home financing process for users.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and other financial products tailored for international students in the United States. Founded in 2012 and originally known as Tremus, Inc., the company leverages machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve utilizes various predictive attributes, such as education and future employability, to evaluate a student's ability to repay. Additionally, the company operates a mobile-first, cloud-native platform, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to enhance the customer experience.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Sunbit, Inc. is a financing service provider that enables users to split purchases into affordable payments, enhancing financial accessibility for everyday needs. Founded in 2015 and headquartered in Los Angeles, California, the company utilizes artificial intelligence and machine learning technology to approve a majority of applicants, thereby reducing the financial stress associated with larger purchases. Sunbit offers a point-of-sale lending platform that is integrated into various service locations, including auto dealerships, optical practices, dental offices, and specialty healthcare services. In addition to its financing solutions, Sunbit provides tools such as tablets, scanners, and informational sheets to assist retailers in facilitating transactions. The company also has mobile applications available on major platforms, allowing users to access its services conveniently from their smartphones.

Alviere is a finance platform that offers embedded financial products and technology, allowing businesses to deliver a range of financial services to their customers. The platform facilitates banking, mobile payments, card issuance, payment processing, and cross-border currency exchange. By providing a flexible framework, Alviere enables brands to launch new financial service lines, thereby enhancing customer relationships and insights while boosting satisfaction and retention. This approach not only strengthens customer connections but also helps businesses increase revenue and maximize profits.

Rize develops customer-centric financial applications aimed at fintechs, established financial institutions, and non-financial brands. Its innovative technology features patent-pending Synthetic Account capabilities, which integrate checking, saving, and brokerage services into a single, flexible platform. This allows clients to create tailored products and user experiences that address the specific needs of their customers. By offering a unified application programming interface (API), Rize enables businesses to efficiently build across various account types, simplifying the development process and enhancing financial service delivery.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and other financial products tailored for international students in the United States. Founded in 2012 and originally known as Tremus, Inc., the company leverages machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve utilizes various predictive attributes, such as education and future employability, to evaluate a student's ability to repay. Additionally, the company operates a mobile-first, cloud-native platform, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to enhance the customer experience.

FinLocker, LLC is a financial technology company founded in 2014 and based in St. Louis, Missouri. It develops a consumer-enabled financial data platform that facilitates the loan process for mortgages and other financial products. The platform serves both businesses and consumers by streamlining loan transactions and enhancing the overall financial experience. For businesses, FinLocker provides tools that cut costs, reduce fraud, and mitigate risks while improving customer satisfaction and operational efficiency. For consumers, the platform simplifies the loan application process, minimizes paperwork, and enables better management of personal finances. Using consumer consent, FinLocker captures essential borrower data and employs intelligent analytics to offer tailored loan product recommendations based on individual financial profiles.

FIS is a prominent global provider of financial services technology, specializing in areas such as retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. The company serves over 20,000 clients across more than 130 countries, leveraging its extensive solutions portfolio and industry expertise. Headquartered in Jacksonville, Florida, FIS employs over 53,000 individuals worldwide and maintains leading positions in payment processing, financial software, and banking solutions. As a Fortune 500 company, FIS plays a crucial role in delivering software, services, and technology outsourcing that empower the financial sector.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Archblock is a financial technology company that focuses on bridging institutional capital with decentralized finance (DeFi) through innovative web3-enabled products. Founded in 2017 and based in San Francisco, Archblock operates the TrustToken platform, which facilitates the creation of asset-backed tokens for global trading. The company emphasizes transparency and accessibility in lending by connecting institutional lenders and fund managers to DeFi markets. Its offerings include a modular suite of tools that allows institutions to create and manage stablecoins, tokenize real-world assets, and securely manage portfolios. Archblock's platform ensures compliance with fiduciary responsibilities and provides a legal framework that enforces smart contract terms, thereby enhancing the integrity of financial transactions.

Archblock is a financial technology company that focuses on bridging institutional capital with decentralized finance (DeFi) through innovative web3-enabled products. Founded in 2017 and based in San Francisco, Archblock operates the TrustToken platform, which facilitates the creation of asset-backed tokens for global trading. The company emphasizes transparency and accessibility in lending by connecting institutional lenders and fund managers to DeFi markets. Its offerings include a modular suite of tools that allows institutions to create and manage stablecoins, tokenize real-world assets, and securely manage portfolios. Archblock's platform ensures compliance with fiduciary responsibilities and provides a legal framework that enforces smart contract terms, thereby enhancing the integrity of financial transactions.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and other financial products tailored for international students in the United States. Founded in 2012 and originally known as Tremus, Inc., the company leverages machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve utilizes various predictive attributes, such as education and future employability, to evaluate a student's ability to repay. Additionally, the company operates a mobile-first, cloud-native platform, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to enhance the customer experience.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Upstart is a peer-to-peer online lending platform that utilizes artificial intelligence and machine learning to enhance the lending process. Founded in 2012 and based in San Mateo, California, the company focuses on providing fixed-rate personal loans by employing a proprietary underwriting model that evaluates factors such as education, area of study, and employment history, allowing it to identify borrowers with limited credit backgrounds. Upstart connects consumer loan demand with its network of AI-enabled bank partners, facilitating a streamlined borrowing experience. The platform supports a variety of loan offerings, including personal loans, automotive financing, home equity lines of credit, and small-dollar loans, enabling banks to achieve higher approval rates and reduced loss rates while enhancing customer satisfaction through a digital-first approach.

Sunbit, Inc. is a financing service provider that enables users to split purchases into affordable payments, enhancing financial accessibility for everyday needs. Founded in 2015 and headquartered in Los Angeles, California, the company utilizes artificial intelligence and machine learning technology to approve a majority of applicants, thereby reducing the financial stress associated with larger purchases. Sunbit offers a point-of-sale lending platform that is integrated into various service locations, including auto dealerships, optical practices, dental offices, and specialty healthcare services. In addition to its financing solutions, Sunbit provides tools such as tablets, scanners, and informational sheets to assist retailers in facilitating transactions. The company also has mobile applications available on major platforms, allowing users to access its services conveniently from their smartphones.

FinLocker, LLC is a financial technology company founded in 2014 and based in St. Louis, Missouri. It develops a consumer-enabled financial data platform that facilitates the loan process for mortgages and other financial products. The platform serves both businesses and consumers by streamlining loan transactions and enhancing the overall financial experience. For businesses, FinLocker provides tools that cut costs, reduce fraud, and mitigate risks while improving customer satisfaction and operational efficiency. For consumers, the platform simplifies the loan application process, minimizes paperwork, and enables better management of personal finances. Using consumer consent, FinLocker captures essential borrower data and employs intelligent analytics to offer tailored loan product recommendations based on individual financial profiles.