Better Tomorrow Ventures

Salsa is focused on developing a payroll API that integrates seamlessly into various software platforms, addressing the requirements of a modern workforce. The company's solution is designed to accommodate diverse payroll use cases while minimizing the complexity of frontend code. By enabling businesses to embed payroll workflows effortlessly, Salsa allows them to create customized payroll solutions tailored to their customers' needs. This approach ensures that employees receive timely payments and that compliance requirements are effectively managed.

Deck develops infrastructure and cognitive tools to help individuals solve problems.

Divibank is a financing platform offering businesses access to growth capital.

Music Royalties, Simplified.

Ethos is creating an end-to-end platform for model risk management in financial services.

BRKZ is a construction technology company that offers a comprehensive solution for contractors and builders by supplying building materials. The company aims to empower its clients by simplifying the procurement process. BRKZ provides features such as registration, request for quotation, and quotation management, allowing clients to purchase construction materials with ease. This approach addresses common challenges in the industry, including price fluctuations, delivery issues, and material availability, thereby streamlining operations for construction professionals.

Nilus is a plug-and-play platform that automates reconciliation, reporting, and payment workflows to empower finance teams with financial transparency and complete control. By unifying data from your payment providers, banks, platform, and ERP, Nilus creates a single source of financial truth for all your payment activity. Nilus provides a seamless plug-and-play experience for financial operators. With our automated workflows, pre-built data connectors, and smart reconciliation algorithms, Nilus eliminates dependence on tech teams and spreadsheets to get the job done.

FPL believes that consumption credit presents a very large opportunity in India and the credit card is the best product to offer consumption credit to India’s growing younger population. Card acceptance has trebled in the three years after demonetisation and every category is getting digitized. Like the overall growth in adoption of digital payments, the adoption of credit cards too has grown, both in terms of card issuance and spends. However, the experience of using a credit card has not evolved to serve the digitally savvy young millennials. FPL has created a proprietary full-stack technology platform to deliver a next-gen credit card experience to its customers. Customers can use an intuitive mobile app along with their credit cards to manage every aspect of their credit life cycle. FPL launched the OneScore app in July this year to help customers understand and manage their credit score and behavior in a simple and secure way.

Stay is a long-term incentive platform. We are working to decomplicate the task of investing in the future: both for companies and for their collaborators.

Deck develops infrastructure and cognitive tools to help individuals solve problems.

Permanent is an IT company that has developed a digital platform aimed at creating a collaborative food economy. This platform enables farmers to sell organic agricultural products directly to customers, facilitating wholesale sourcing from vendors. Additionally, it allows users to access field inventory, streamlining the process of sourcing food products directly from producers. By connecting agricultural suppliers with consumers, Permanent plays a pivotal role in enhancing transparency and efficiency within the food supply chain.

Agree.com is the best solution for creating and managing contracts, streamlining negotiations, enhancing compliance, optimizing workflows, and converting more customers — all within one intuitive platform. View edits, track signatures, and get alerted on all upcoming key milestones. Include free, one-click e-signatures with identity verification on every agreement. Increase deal velocity and drive revenue impact with integrated payments.

BrikMate is a developer of a lease management platform designed specifically for the commercial real estate sector. The platform leverages artificial intelligence to simplify the management of lease data, automating the extraction of vital information and providing instant insights. By focusing on data standardization and accuracy, BrikMate enhances operational efficiency for property managers, facilitating tasks such as lease tracking and compliance checks. This enables professionals in the industry to work more effectively and make informed decisions quickly.

Layer is an embedded accounting startup aiming to replace Quickbooks by integrating accounting and bookkeeping tools directly into platforms used by small and medium-sized businesses (SMBs). Founded in 2023 by Justin Meretab, a former product leader at Square, and Daniel O'Neel, a former engineering leader at Wealthfront, Layer provides APIs that allow platform customers to pass financial data from SMBs to Layer's system. This enables SMBs to manage their finances without needing separate software.

Capa is an interoperability protocol that connects fiat and blockchains in LATAM.

Coast is a developer of a card payment platform designed to make fleet and gasoline payments easier for truck drivers. The company's platform provides payment integration solutions to fleets, making fleet administration easier than traditional financial services.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

PostCredit is a production expense management platform that assists film producers and production accountants in automating their financial processes. The company offers services such as bank accounts specifically for productions and issues spend cards on the Visa network. With features including automated p-card issuance, real-time expense tracking, and both virtual and physical card options, PostCredit streamlines financial management. This automation allows production teams to minimize administrative tasks, ultimately saving time and money, so they can concentrate on their creative endeavors.

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Basis develops AI agents that assist accountants by automating accounting workflows. The agents integrate with existing systems and adapt to the needs of each engagement. The company serves industries such as finance and accounting.

Effectiv is a next-generation fraud management platform tailored for financial institutions. The company specializes in developing solutions that provide initial assessments of transactions to identify potential fraudulent activity. By leveraging artificial intelligence, Effectiv automates the fraud detection process during the onboarding of new users, ensuring the authenticity of credentials. This technology allows for a comprehensive analysis of data, facilitating deeper investigations into suspicious transactions. Effectiv's platform aims to enable financial companies to effectively detect and manage fraud while optimizing costs.

Collective operates as an online back-office platform designed for self-employed people. Its technology and a team of trusted advisors give its members the freedom to focus on what matters by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a community all in one platform.

Pave helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics. 100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system. We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk. Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.

We provide the technology infrastructure needed by business' neobanks and fintech lenders to underwrite fast and efficient financial services to their clients.

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Navro specializes in providing payment and banking infrastructure tailored for software companies. The company has developed a fintech platform that enables brands to scale their payment operations on a global scale. Navro offers a range of services, including customizable checkout solutions, integration of various payment acceptance methods, local fund collection, and real-time payment stack management. This comprehensive approach allows businesses to efficiently manage their payments infrastructure, facilitating international growth and ensuring that companies can receive funds in their preferred methods.

Monnai provides a global infrastructure that delivers more than 500+ insights to financial organizations to make more accurate and informed decisions throughout the lifecycle of their customers. Through a single API, fintech firms get access to a global integrated platform that helps them navigate the four key pillars of onboarding, trust and fraud risk, credit underwriting and debt collections.

We provide a holistic digital engagement platform with the mission to enable banks of any size globally to implement delightful mobile and web experiences for their customers and provide them with the foundation for success beyond fast-time-to-market.

Portão 3 is a travel management platform established in 2020 and based in Uberlândia, MG. The company offers a comprehensive suite of services for businesses, including reservations for flights, hotels, cars, and insurance. In addition to travel services, Portão 3 has developed financial software that facilitates expense management, rules, approvals, reimbursements, and budgets. This platform enables businesses to streamline their payment processes and manage reservations efficiently, providing multiple payment methods to simplify transactions.

BRKZ is a construction technology company that offers a comprehensive solution for contractors and builders by supplying building materials. The company aims to empower its clients by simplifying the procurement process. BRKZ provides features such as registration, request for quotation, and quotation management, allowing clients to purchase construction materials with ease. This approach addresses common challenges in the industry, including price fluctuations, delivery issues, and material availability, thereby streamlining operations for construction professionals.

Nilus is a plug-and-play platform that automates reconciliation, reporting, and payment workflows to empower finance teams with financial transparency and complete control. By unifying data from your payment providers, banks, platform, and ERP, Nilus creates a single source of financial truth for all your payment activity. Nilus provides a seamless plug-and-play experience for financial operators. With our automated workflows, pre-built data connectors, and smart reconciliation algorithms, Nilus eliminates dependence on tech teams and spreadsheets to get the job done.

It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

Mendel offers a corporate expense management platform that streamlines financial processes for businesses. Its solutions include automated expense tracking, corporate cards, and real-time reporting to improve visibility and control over company spending. The platform integrates with accounting systems and provides analytics for better financial decision-making.

LogRock is obsessed with compliance so you don’t have to be — from DQ files to Permits, from HoS to Maintenance Records. Compliance doesn't need to be complicated. We connect all your data in one place and analyze it 24/7 to ensure you can stand tall when the DoT or Trial Lawyers come knocking. Our technology automates as much as possible to keep costs low and minimize errors. This reduces time spent Out of Service, cuts the risk of nuclear verdicts, drives down insurance rates, and opens doors to freight from premium shippers. LogRock frees up trucking companies to stay focused on moving freight because they know we have their backs.

Navro specializes in providing payment and banking infrastructure tailored for software companies. The company has developed a fintech platform that enables brands to scale their payment operations on a global scale. Navro offers a range of services, including customizable checkout solutions, integration of various payment acceptance methods, local fund collection, and real-time payment stack management. This comprehensive approach allows businesses to efficiently manage their payments infrastructure, facilitating international growth and ensuring that companies can receive funds in their preferred methods.

Monnai provides a global infrastructure that delivers more than 500+ insights to financial organizations to make more accurate and informed decisions throughout the lifecycle of their customers. Through a single API, fintech firms get access to a global integrated platform that helps them navigate the four key pillars of onboarding, trust and fraud risk, credit underwriting and debt collections.

Flexpa allows digital health apps to connect to new patient access APIs. Flexpa develops an API to integrate claims histories into any digital health or fintech app. The company was founded in 2021 and is located in San Francisco, California.

Clubbi operates a B2B marketplace designed specifically for small merchants, such as mini-markets and corner stores. The platform digitizes the procurement process, allowing these retailers to efficiently source a variety of daily consumption products at competitive prices. Clubbi facilitates transactions between merchants and their suppliers, enhancing operational efficiency and supporting the growth of independent retailers. By streamlining communication and logistics for distributors and brands, Clubbi aims to maximize sales within the fragmented fast-moving consumer goods (FMCG) market, ultimately increasing the overall value for the industry. Orders placed through the marketplace are shipped within a day, providing timely access to essential products.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Freightpay’s mission is to enable the global supply chain to transact more efficiently.

Coast is a developer of a card payment platform designed to make fleet and gasoline payments easier for truck drivers. The company's platform provides payment integration solutions to fleets, making fleet administration easier than traditional financial services.

Brick develops financial application programming interfaces (APIs) aimed at enhancing fintech products. The platform enables the seamless processing of end-users' financial data, offering access to transaction information from various sources, including telecommunications, e-wallets, e-commerce, and super apps. By providing real-time, secure, and accurate data, Brick's APIs facilitate the creation of personalized financial solutions, improve onboarding processes, and enhance conversion rates while reducing the risk of fraud. This empowers fintech developers to offer affordable, inclusive, and tailored products to their clients, addressing the diverse needs of the financial technology landscape.

Amitruck is a logistics platform based in Nairobi, Kenya, that connects cargo owners with trucking professionals through a mobile and web application. Founded in 2018, the platform allows customers to easily book deliveries and access a network of available trucks. It features a driver application that facilitates communication between clients and transporters, ensuring timely updates on shipments. Amitruck's user-friendly interface enables clients to receive instant quotes and track their deliveries in real-time, offering complete visibility throughout the delivery process.

Vitt is a financial payment platform that offers non-dilutive venture debt investment, primarily targeting SaaS companies. The platform facilitates the integration of billing systems and the management of subscriptions, allowing clients to verify potential payouts based on their monthly recurring revenues. By converting recurring revenues into upfront cash, Vitt enables businesses to enhance their cash flow without the burden of dilution. Additionally, the platform provides tools for clients to invest in treasuries, thereby supporting effective cash management and savings strategies.

Caplight is a financial technology platform that facilitates derivative transactions in private equity, allowing institutional investors to buy and sell options and swap contracts related to private company stock. The platform connects institutional trading counterparties with underwriting financial institutions, enabling investors to manage risks, generate income on assets, and achieve greater liquidity through mechanisms similar to public market settlements. Caplight serves a diverse clientele, including hedge funds, venture capital firms, family offices, pensions, endowments, mutual funds, and insurance companies. The platform's innovative approach provides institutional investors with the ability to take both long and short positions in private companies using synthetic and cash-settled derivatives.

FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements. It helps farmers unlock capital to amplify farm profitability and sustainability. It's free to register a FarmRaise account, match with grants, and apply for 3 federal programs currently on the platform. The company was founded in 2020 and is based in San Francisco, California.

CreditBook is a digital platform focused on providing financial solutions to Pakistan's underserved micro, small, and medium enterprises (MSMEs). Launched in 2020, it initially began with a bookkeeping app that has since benefited over 1 million MSMEs across 400 localities in the country. The platform offers a comprehensive suite of financial management tools that enables businesses to efficiently track pending payments, receive payment reminders, and maintain detailed transaction records. This functionality enhances transparency and decision-making efficiency, allowing businesses to extend financing to their customers quickly. CreditBook aims to improve the financial outcomes of MSMEs in emerging markets, contributing to their growth and sustainability.

Clubbi operates a B2B marketplace designed specifically for small merchants, such as mini-markets and corner stores. The platform digitizes the procurement process, allowing these retailers to efficiently source a variety of daily consumption products at competitive prices. Clubbi facilitates transactions between merchants and their suppliers, enhancing operational efficiency and supporting the growth of independent retailers. By streamlining communication and logistics for distributors and brands, Clubbi aims to maximize sales within the fragmented fast-moving consumer goods (FMCG) market, ultimately increasing the overall value for the industry. Orders placed through the marketplace are shipped within a day, providing timely access to essential products.

Selfbook provides a technology-driven payment platform that simplifies and secures the hotel booking process. By enabling one-tap payments, the platform supports all major credit and debit cards, as well as digital wallets and alternative payment methods. Selfbook aims to remove barriers to direct bookings, allowing hotels to enhance their booking flow and increase revenue. The solution unifies the payment process and connects with existing reservation systems, making it easier for hotels to capture mobile bookings and improve conversion rates. Ultimately, Selfbook equips hotels with modern e-commerce tools to streamline the direct booking experience for both businesses and customers.

Caliza is developing a global financial infrastructure aimed at facilitating seamless commerce by eliminating borders. The company offers a platform that enables instant cross-border settlements and provides regulated digital dollar accounts for its clients. This infrastructure supports various applications, including prompt international supplier payments and corporate fund transfers, thereby allowing merchant settlement providers to efficiently and cost-effectively manage cross-border transactions. By leveraging stablecoins, Caliza aims to enhance the ability of its customers to transact effortlessly and access the U.S. economy.

CashBook creates an online application to record and track expenses and income of businesses. It offers a digital access of data for small businesses who still use pen and paper to write information. Cashbook was founded in 2020 by Vivek Kumar and Ashutosh Pathak

indiagold offers innovative gold loan and locker services designed to meet the savings, consumption, and credit needs of customers. The company provides insured locker systems with real-time tracking and a free doorstep pick-up and drop-off service, ensuring convenience and security for users. Additionally, indiagold enables customers to secure instant loans against their gold at competitive rates and with minimal documentation. By utilizing advanced algorithms and mobile app operations, indiagold enhances operational efficiencies for its banking partners, allowing them to expand their asset-backed products across various regions quickly and without significant investment. This comprehensive service model supports both individual clients and banking institutions in maximizing the potential of gold as a financial asset.

Coast is a developer of a card payment platform designed to make fleet and gasoline payments easier for truck drivers. The company's platform provides payment integration solutions to fleets, making fleet administration easier than traditional financial services.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Selfbook provides a technology-driven payment platform that simplifies and secures the hotel booking process. By enabling one-tap payments, the platform supports all major credit and debit cards, as well as digital wallets and alternative payment methods. Selfbook aims to remove barriers to direct bookings, allowing hotels to enhance their booking flow and increase revenue. The solution unifies the payment process and connects with existing reservation systems, making it easier for hotels to capture mobile bookings and improve conversion rates. Ultimately, Selfbook equips hotels with modern e-commerce tools to streamline the direct booking experience for both businesses and customers.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

Agora is a compensation platform that helps companies figure out how to pay their employees by making data-driven decisions. It helps companies centralize their data, set their pay structure, benchmark themselves against similar companies in real-time, and communicate total rewards to their candidates and employees. Figure streamlines complicated manual compensation processes into simple, secure, and collaborative workflows. Agora's mission is to bring equity and transparency to compensation for companies, employees, and candidates.

Mendel offers a corporate expense management platform that streamlines financial processes for businesses. Its solutions include automated expense tracking, corporate cards, and real-time reporting to improve visibility and control over company spending. The platform integrates with accounting systems and provides analytics for better financial decision-making.

CloudTrucks develops a virtual trucking carrier application designed to reduce operating costs for truck drivers. The platform helps to manage and book loads from brokers and shippers, offer instant payments after load delivery, and access to cheap insurance options, enabling truck owners and operators to strategize their schedule and design a revenue-maximizing driving program. The company was founded in 2019 and is headquartered in San Francisco, California.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Pave helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics. 100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system. We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk. Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

Punch List makes it easy for independent contractors and homeowners to complete successful remodels together. With a simple app that offers messaging, photos, client approval of progress, and payment tracking, Punch List is the first modern tool for simple and efficient home remodeling. For contractors, Punch List simplifies client communications and helps them get paid faster with quick and easy digital invoicing. For homeowners, Punch List provides a real-time view into the status of their home remodel—gone are the days of feeling in the dark. Punch List offers them peace of mind with automatic invoices that are generated when each big task is completed, so the agreed-upon budget doesn’t go out the window. In response to the COVID-19 pandemic, Punch List launched a new app called Specialist (https://special.ist/) in April 2020. Specialist is the easiest way for professionals and their customers to connect over video chat from their home or office. It’s the SAFE, SIMPLE, and TRANSPARENT way for specialists to make money and for customers to get the help they need.

Settle is a cash-flow management platform that assists businesses and individuals in managing their financial transactions and optimizing cash flow. Founded by Alek Koenig in November 2019 and based in San Francisco, California, Settle provides users with tools and insights to enhance their understanding of their financial situations. The platform automates business-to-business payments, offering features such as payment management, payable date management, paperless invoices, and auto payments. By streamlining these processes, Settle enables businesses to expedite billing cycles and make informed financial decisions.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Capa is an interoperability protocol that connects fiat and blockchains in LATAM.

Agree.com is the best solution for creating and managing contracts, streamlining negotiations, enhancing compliance, optimizing workflows, and converting more customers — all within one intuitive platform. View edits, track signatures, and get alerted on all upcoming key milestones. Include free, one-click e-signatures with identity verification on every agreement. Increase deal velocity and drive revenue impact with integrated payments.