Bart is a software to speed up agricultural credit granting by industries, tradings and distributers, using workflow automation, digital signature, a hub of services and giving our customer the opportunity of integrating players they are dealing with. Since the bureaucracy involved in these operations, and the consequent delay, many times are derived from the lack of information needed to analyze the borrowers credit risk, Bart also provide strategic information for the clients, as satellite monitoring of crops and environmental compliance information.
Klar is a fintech company founded in 2018 in Mexico City, offering a mobile app and a debit card that functions similarly to a credit card. Users benefit from a straightforward cash-back system, earning up to 4% on purchases without complicated points or expiration issues. The Klar card allows clients to send and receive payments instantly to their Klar accounts and other banks, enhancing its utility as a financial tool. The mobile app provides real-time tracking of all transactions, ensuring users have a clear view of their financial activities. Klar aims to provide secure and cost-effective alternatives to traditional banking services, catering specifically to the needs of Mexican customers.
We make banks and credit unions generate new business for their account holders and sell their products recovered from unpaid financing, creating a customized platform connected with the services and offers of the bank.
Fidel Limited is a payments API platform based in London that enables developers to create real-time and personalized applications using card-linked technology. Founded in 2012, Fidel offers a streamlined solution for integrating payment services, allowing developers to connect banking cards from major networks like Visa, Mastercard, and American Express with reward and marketing services. By managing the complexities of transaction data in the background, Fidel provides a secure and efficient single access point for developers to build web and mobile applications. Notable global companies such as Google and British Airways utilize Fidel's APIs to enhance their customer experiences. The company also has offices in Toronto, Lisbon, and New York and is supported by investors such as Nyca Partners and QED Investors.
Cignifi Inc. is a Boston-based company that specializes in credit and marketing analytics for mobile network operators. Founded in 2010, it utilizes mobile phone data to generate credit risk and marketing scores for consumers, particularly targeting mobile pre-pay customers who may lack access to traditional financial services. By analyzing mobile phone behavior, Cignifi provides valuable insights for credit cards, personal loans, insurance, and savings. The company aims to serve the needs of the 2.7 billion individuals globally who have mobile access but limited financial options. In addition to its core analytics platform, Cignifi offers related products such as airtime credit, handset financing, and online lending, thereby enhancing financial inclusion for underserved populations. With a presence in both Boston and Sao Paulo, Brazil, Cignifi targets telecommunications operators, retailers, lenders, and insurers to expand access to essential financial products.
GuiaBolso is a digital platform in Brazil that connects consumers to various financial products through an in-app marketplace, enabling real-time access and origination. By utilizing proprietary bank account aggregation technology, GuiaBolso offers users a comprehensive view of their finances, along with free credit bureau reports. This innovative approach allows users to access a range of fairly-priced loans based on actual credit risk, which is particularly significant in a market lacking a national credit score and characterized by high interest spreads. The platform also streamlines budgeting and financial control, automating processes and helping users select financial products from a curated list of partners. GuiaBolso's mission is to enhance individuals' financial well-being by providing the necessary information for better financial decision-making.
Divibank is a financing platform that provides businesses with access to growth capital through innovative financial services software. The platform facilitates connections to accredited financial institutions, offering credit solutions that align repayment with revenue performance, thereby preserving cash flow for users. By leveraging data from digital marketing campaigns, Divibank aims to enhance sales volume while ensuring effective campaign performance. This approach empowers entrepreneurs to expand their sales operations and acquire new customers efficiently.
SellersFi is a financial services company that specializes in providing funding solutions for e-commerce businesses, particularly those selling on online marketplaces. Established in 2017 and headquartered in Ridgewood, New Jersey, the company offers term loans and revenue advances tailored for Amazon sellers. SellersFi's platform utilizes machine-learning models to analyze data from online sellers' business activities, enabling the provision of actionable insights. This technology allows e-commerce entrepreneurs to access working capital more easily, improve cash flow, and enhance their operational efficiency. By focusing on the unique needs of online sellers, SellersFi aims to support their growth and success in a competitive marketplace.
Financial Choice allows consumers to invest their checking account funds for market returns while retaining instant cash access. Financial Choice provides instant access to cash, automated investing, tax efficiency, and portfolio rebalancing.
Naborly is a technology company that provides an AI-driven platform designed to assist landlords and tenants in managing the rental process more effectively. The platform offers comprehensive tenant screening services, allowing landlords to securely verify tenant identities, incomes, and employment histories. It features an inclusive credit bureau that provides free credit reports and facilitates criminal background checks, streamlining the tenant selection process. In addition to tenant screening, Naborly offers lease protection insurance and low-interest payday lending, aimed at supporting tenants during financial hardships. This combination of services is intended to alleviate the challenges associated with evictions and promote a smoother rental experience for both landlords and tenants.
One develops an app that boosts the power of peoples paycheck so they have more spending power in their pockets. One helps users optimize their earnings and reach their financial goals faster, seamlessly share money with family and friends, and watch their money grow faster. One seamlessly bridge financial gaps. It was founded in 2019 and is headquartered in San Francisco, California.
IOUU Tecnologia e Serviços Financeiros Ltda. is a Brazilian fintech company established in 2016, based in Sao Paulo. The firm specializes in providing a peer-to-peer lending platform that connects micro and small businesses with investors seeking to lend. By offering loans at lower interest rates than traditional banks, IOUU aims to democratize access to finance and enhance financial inclusion. The platform adheres to the regulations set by the National Financial System and the Central Bank, ensuring compliance and security. By leveraging technology and innovative solutions, IOUU provides a more efficient and transparent alternative to conventional lending, thereby facilitating better credit access for businesses and individuals. The company's commitment to ethical practices and responsible lending is central to its mission of delivering greater value and opportunities to its customers.
Developer of financing services platform designed to facilitate credit for payment of medical, aesthetic, or dental treatments. The company's platform helps users to apply for financing from the clinic and they need to choose an installment option and provide the required documents upon approval to receive a subscription agreement by email, enabling both clinics and hospitals as well as patients to get financial medical assistance.
Morty is on a mission to revolutionize the outdated mortgage industry by letting people shop, compare, and close on any mortgage from any lender, completely online. Purchasing a home is the largest, most important financial transaction of most people’s lives. They believe getting a mortgage should be just as simple, modern, and transparent as buying anything else online. We’re building the first-ever, fully digital marketplace to make this possible - like Kayak, but for mortgages.
Altro, formerly known as Perch, is a fintech company based in Los Angeles, California, that offers a mobile platform designed to help users enhance their credit scores. Founded in 2019, the app enables users to convert common recurring expenses, such as subscriptions and rent, into creditworthy data points that contribute to their credit history. Currently available on iOS, Altro plans to launch an Android version in the near future. The company recently graduated from Y Combinator's Summer 2020 batch and has successfully raised $2.5 million in its latest funding round.
Kick is a financial app that helps solopreneurs and creators to save an income and expenses. The app connects one or more bank or credit cards and have Kick auto-scan their past 18 months of transactions for tax write-offs. Kick is based in Palo Alto, California.
Array is a fintech platform that enables users to access personalized credit and financial data. Founded in 2020 by Martin Toha and Phillip Zedalis, the platform aims to enhance the relationship between businesses and consumers through meaningful information sharing. Array’s technology features tokenized data security and includes comprehensive data attribution and dictionaries. It offers a flexible aggregator model that simplifies pricing by eliminating the need for large monthly data commitments, allowing businesses to avoid reliance on a single bank, credit bureau, or security vendor. Additionally, Array provides customizable, embedded, white-label sites and application programming interfaces that can be tailored to meet specific business needs.
Striga is a developer first platform for crypto companies that need to connect to traditional financial infrastructure, without needing to pay hundreds of thousands of dollars up front and without having to wait for 8 months to launch their first card.
Set Labs is creating the next generation of finance through crypto-financial primitives. The company is developing tools that enable developers to bundle crypto assets together called Sets, which allow users to create cryptocurrency baskets, baskets of non-fungibles, baskets of on-chain securities, and more.
Addi is a technology company that provides credit and banking solutions. Addi is headquartered in Bogota, Colombia.
Clearbanc provides growth capital for web-enabled businesses through its 20-minute term sheet. The company offers fast, affordable growth capital to eCommerce and B2B/SaaS companies. Its investments range from $10K - $10M and its portfolio spans small businesses across the United States, Canada, and the United Kingdom to some of the fastest-growing consumer brands. Launched in 2015, Clearbanc uses proprietary underwriting technology to offer more capital at quicker speeds and more flexible terms than other financing alternatives.
Developer of a digital banking platform designed to serve LGBTQ+ people. The company's platform offers prepaid cards, tools, advice, and cashback for spending at queer bars and allied businesses, enabling users to expand their financial skills and plan for their future while helping the LGBTQ+ community.
Developer of debit cards designed to access random gaming-related rewards each time they use their debit card. The company's card allows users to get rewards including free Xbox / PS4s, free video games, coins in Apex and Fortnite, and steam credits by swiping every time, enabling users to play by teaming up with friends and tackle weekly challenges for more rewards.
QueroQuitar is a financial services company based in São Paulo, Brazil, that provides an online platform for debt negotiation and settlement. Established in 2013, the company specializes in helping individuals manage and clear their debts while also offering services related to financial education, credit recovery, and online trading. Through its innovative approach, QueroQuitar aims to empower clients to improve their financial situations by facilitating effective debt management solutions.
Founded in 2021 by former Google Speech AI leader Bob Summers, Goodcall is headquartered in Palo Alto, California. The company’s AI Phone Agent platform transforms how businesses manage customer calls, automating millions of conversations and ensuring that no customer opportunity is missed. Trusted by thousands of businesses and partners like Google, Microsoft, and Yelp, Goodcall delivers cutting-edge, natural, and responsive voice AI solutions that set a new standard in customer service for small and large in-house call centers.
SoLo Funds, Inc. is a mobile money exchange and lending platform that connects lenders and borrowers, allowing users to borrow on their own terms and lenders to benefit from their contributions. Established in 2015 and based in New York City, SoLo Funds operates as an alternative financial solution, offering rapid loan options to borrowers while providing lenders with significant value. The platform has evolved from a unique lending marketplace into a comprehensive community banking solution that leverages individual capital, insurance, and banking products, supported by advanced A.I. underwriting technology.
A modern, secure, and homeowner-first approach to homeownership.
Avenify Corporation operates a peer-to-peer lending platform that specializes in income share agreements, primarily aimed at assisting nursing students in financing their education without incurring debt. Founded in 2018 and headquartered in Reston, Virginia, Avenify allows students to apply for up to $15,000 in income-based financing, with repayment tied to their future income and no credit score or co-signer required. The platform ensures that students owe nothing until they secure employment, promoting a more accessible route to education. In addition to financial support, Avenify offers career services and further financial assistance, helping students lead financially healthy lives while pursuing their academic goals.
Stilt Inc. is a financial technology company based in San Francisco, California, founded in 2015. It specializes in providing collateral-free personal loans to international students, graduates, immigrants, and other underserved individuals who have limited or no credit history in the United States. By utilizing a peer-to-peer lending platform, Stilt leverages proprietary and public data to assess the creditworthiness of these individuals, allowing them to access short-term loans at competitive interest rates. The company's mission is to help immigrants build credit and gain access to essential financial services that can improve their economic prospects.
Prospa Advance Pty Ltd. provides business lending solutions for small and medium business owners in Australia. It offers small business loans for business and working capital, inventory, equipment, renovation, expansion and growth, business tax, marketing and advertising, payroll, partnership buyout, and other needs; and merchant cash advance, a solution that converts future credit and debit card receivables into immediate cash. The company was incorporated in 2011 and is headquartered in Sydney, Australia.
Fynn provides financial assistance services specifically tailored for students pursuing trade and vocational education. The company specializes in private loans that differ from federal loan programs and other private lending options in terms of terms, repayment plans, and rates. Fynn focuses on underwriting students based on their future potential, ensuring that its interests align with both educational institutions and the students themselves. This approach aims to support students from the moment they enroll until they secure employment, ultimately helping them access educational opportunities that contribute to long-term financial stability.
Patch Homes, Inc., doing business as Noah, provides consumer finance and home equity sharing services. It offers debt-free home equity financing with no monthly payments/interest in exchange for sharing in a portion of the future appreciation/depreciation of the home’s value. The debtor uses the money to reduce debt, finance home renovations, or cover other expenses. It offers services through its platform. Patch Homes, Inc. was incorporated in 2016 and is based in San Francisco, California with an additional office in New York, New York.
Synctera Inc. is a company that specializes in providing digital banking solutions aimed at facilitating partnerships between traditional banks and fintech startups. Founded in 2020 and headquartered in San Francisco, California, Synctera offers a platform that helps banks identify their specific needs and connects them with suitable fintech firms. The company manages the relationship through a backend platform that addresses regulatory compliance and supports the onboarding process. In addition to its partnership solutions, Synctera enhances security through features such as personally identifiable information (PII) encryption, endpoint protection, secure login, authentication, and role-based access.
SteadiPay Inc., founded in 2017 and based in Los Angeles, California, is a developer of a cash management application designed to optimize money management for small and medium-sized enterprises. The platform is bank-agnostic, allowing users to process payments through various credit and debit cards while integrating cash reporting and treasury management into a single, centralized solution. By streamlining financial processes, SteadiPay helps businesses save time, earn more rewards, and achieve higher returns, enabling them to concentrate on their core objectives rather than back-office finance tasks.
Steno Agency, Inc. is a Los Angeles-based company that specializes in court reporting and litigation support services for law firms. Founded in 2018, the company provides a comprehensive suite of services, including remote depositions, videography, and interpretation, along with an online dashboard that allows clients to track upcoming jobs and access previous cases. Steno's unique offering includes a non-recourse deferred payment process called DisbursePay, which helps clients manage financial challenges associated with legal proceedings. By focusing on innovation and exceptional customer service, Steno aims to enhance the efficiency of the litigation process while ensuring reliable and accessible support for its clients.
Griffin Financial Technology Ltd is a banking platform that specializes in providing operational and client money accounts for fintech and other money service businesses. Founded in 2017 and based in London, the company offers a comprehensive bank and payment platform, complete with a developer hub that includes guides, documentation, and various pricing plans. Griffin is currently in the process of seeking regulatory approval from the Prudential Regulation Authority and the Financial Conduct Authority to establish itself as the United Kingdom's first platform bank.
Certn Holdings, Inc. is a technology company based in Victoria, Canada, that specializes in applicant screening and risk management solutions. Founded in 2016, Certn uses machine learning and artificial intelligence to evaluate customer credibility, aiming to enhance financial inclusion. The platform offers a comprehensive suite of services for landlords, property management firms, and financial institutions, including criminal record checks, identity verification, and employment and education verification. Certn employs a three-dimensional approach to scoring applicants, utilizing social, behavioral, and financial profiling to assess risk and predict credibility. This methodology allows clients to efficiently identify and manage applications, ultimately streamlining the hiring and tenant selection processes. Additionally, Certn's proprietary Softcheck tool scans extensive databases for negative information, providing rapid results to its users.
Settle is a developer of cash flow management software that focuses on automating business-to-business payments and enhancing working capital for sellers. The platform streamlines payment processes through features such as payment management, payable date management, paperless invoicing, and automated payments, enabling businesses to expedite their billing cycles. By facilitating quicker payments, Settle helps sellers receive their funds an average of 15 days faster, thereby improving their overall cash flow and operational efficiency. The company's innovative solutions have garnered positive feedback from customers and investors alike, driving Settle's commitment to providing advanced tools for organizations looking to scale in today's economy.
Solid, formerly known as Wise, is a modern banking platform that provides digital banking services tailored for small businesses. Founded in 2018 and headquartered in San Mateo, California, Solid enables e-commerce platforms to seamlessly embed banking services within their applications, facilitating business management for online retailers. The platform offers tools for businesses to integrate banking solutions into their operations, including the provision of business checking accounts. Solid is supported by various investors, including e.ventures, Base10, Grishin Robotics, and Abstract Ventures, positioning itself as a comprehensive banking solution for modern business needs.
Bloom Credit is a fintech platform that works to improve the financial eligibility of people declines for lending products. The company's technology uses a data-driven approach to offer actionable advice, insights, and guidance working directly with lenders to graduate their applicants through consumer credit analysis, ongoing credit monitoring and alerting lenders when an applicant meets eligibility requirements, enabling consumers to improve their financial health and loan eligibility. With credit at the heart of financial customer relationships, BloomCredit creating advanced developer-friendly API solutions that can improve, monitor, and promote credit health to build trust between consumers and the financial institutions that serve them. It was founded in 2016 and is based in New York, United States.
Developer of a financial management platform designed to help users to manage their credit cards. The company's platform provides money management, debt payment and wealth management, enabling users to reach better financial stability, using artificial intelligence and data science.
Credere is a company founded in June 2014 by Orlando Seabra, Sanderson Santana, and Fred Alecrim, with its headquarters located in Natal, Brazil. The company has developed a business platform designed to improve the sales processes of automobile dealerships. This platform offers various tools that include real-time credit pre-approval for customers, performance reports for banks and dealership teams, and insights into customer data. By providing these features, Credere enables car dealerships to optimize their sales strategies and enhance their revenue margins effectively and efficiently.
Unit Finance Inc. is a financial infrastructure company that provides a platform for businesses to integrate banking services into their operations. Founded in 2019 and based in Redwood City, California, Unit enables third parties to incorporate various financial features, including accounts, cards, payment processing, and lending, into their products. The platform simplifies the process for companies to launch vertical banks by managing compliance and banking relationships, allowing them to deliver unique banking experiences more efficiently. This capability helps businesses enhance their offerings and increase customer lifetime value.
Treasure Financial Inc. is a company based in Toronto, Canada, that specializes in developing a money management app designed for children. Founded in 2017, the app serves as a financial education platform that teaches kids essential money management skills, including budgeting, saving, and distinguishing between wants and needs. The application features a virtual money tracker that allows users to monitor account balances and manage funds across various categories such as saving, spending, giving, and goal-oriented accounts. By using this platform, parents can actively engage in their children's financial education, helping them develop good habits and a clear understanding of the value of money.
Railz Financial Technologies Inc. is a Toronto-based company that specializes in providing a unified API for accessing data from major accounting software providers such as QuickBooks, Xero, and Sage. Founded in 2020, Railz enables lenders, financial institutions, accounting firms, and tech developers to obtain real-time financial data, analytics, insights, and reports on small business customers. This streamlined access facilitates the assessment of credit applications and the evaluation of a business's financial health. Railz's Data as a Service solution allows clients to integrate quickly and efficiently without the need to alter existing operations, technology infrastructure, or workflows. The platform is designed for rapid deployment, ensuring that users can access their customers' accounting information with minimal disruption and cost.
TrueAccord Corp. is a San Francisco-based company founded in 2013 that specializes in providing an automated platform for debt recovery. The company leverages machine learning and behavioral analytics to personalize communication with customers across various digital channels. This approach not only enhances recovery rates for businesses but also aims to maintain positive relationships with their customers. By optimizing outreach strategies, TrueAccord delivers a customer experience designed to foster long-term brand loyalty, thereby redefining the traditional dynamics between creditors and debtors.
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Developer of debit cards designed to access random gaming-related rewards each time they use their debit card. The company's card allows users to get rewards including free Xbox / PS4s, free video games, coins in Apex and Fortnite, and steam credits by swiping every time, enabling users to play by teaming up with friends and tackle weekly challenges for more rewards.
Fold, Inc. operates a platform that allows users to earn bitcoin as cashback while shopping with credit or debit cards at various retailers. Founded in 2014 and based in San Francisco, California, the company offers an online service where users can sync their payment cards or transfer bitcoin from their wallets to purchase digital gift cards on their mobile devices, receiving immediate bitcoin rewards. Fold also enables users to exchange old gift cards for bitcoin, further integrating cryptocurrency into everyday transactions. Through its innovative solutions, Fold aims to make bitcoin more accessible and practical for mainstream consumers.
Funding Societies Pte. Ltd. is a peer-to-peer financing platform based in Singapore, founded in 2015. It connects investors with small and medium-sized enterprises (SMEs) seeking funding, thereby addressing financial inclusion challenges and making credit-worthy SMEs more bankable. The platform offers a range of flexible financing options, including micro and term loans, as well as invoice financing, supported by advanced credit scoring and risk assessment models. Since its inception, Funding Societies has facilitated over 3.3 million business loans, amounting to more than S$1.8 billion in funding. The company has received multiple accolades, including the Global Excellence Award from ITU Telecom, and holds operating licenses from regulators in Singapore, Indonesia, and Malaysia, making it a pioneer in the region's peer-to-peer lending landscape.
Stilt Inc. is a financial technology company based in San Francisco, California, founded in 2015. It specializes in providing collateral-free personal loans to international students, graduates, immigrants, and other underserved individuals who have limited or no credit history in the United States. By utilizing a peer-to-peer lending platform, Stilt leverages proprietary and public data to assess the creditworthiness of these individuals, allowing them to access short-term loans at competitive interest rates. The company's mission is to help immigrants build credit and gain access to essential financial services that can improve their economic prospects.
Conductiv is an AI-powered, decisioning data conductor for lenders that enables them to continuously improve lending accuracy and quality. It aims to get lenders back to business as usual while gaining easy access to data needed to lend during and after Covid-19. Its work recovered hundreds of millions of dollars in “found money” for a top-five lender—meaning new revenue but with no additional customer acquisition cost! The company was founded in 2019 and is based in New York, New York.
Set Labs is creating the next generation of finance through crypto-financial primitives. The company is developing tools that enable developers to bundle crypto assets together called Sets, which allow users to create cryptocurrency baskets, baskets of non-fungibles, baskets of on-chain securities, and more.
Meu Tudo is a Brazilian financial technology company that operates a mobile application focused on providing payroll loans. Founded in 2016 and headquartered in Ceara, the company serves as a marketplace lending platform, enabling users, particularly retired pensioners and federal and state employees, to access financial products and services. By acting as a banking correspondent, Meu Tudo facilitates the intermediation and negotiation of loans, utilizing anti-fraud technology to ensure secure transactions. This innovative approach allows for a streamlined digital experience in obtaining payroll loans, enhancing financial accessibility for its target audience.
One develops an app that boosts the power of peoples paycheck so they have more spending power in their pockets. One helps users optimize their earnings and reach their financial goals faster, seamlessly share money with family and friends, and watch their money grow faster. One seamlessly bridge financial gaps. It was founded in 2019 and is headquartered in San Francisco, California.
MotoRefi, Inc. operates an automotive refinance platform designed to help customers save on their car loans. By partnering with various local and community lenders, the company offers competitive loan rates and aims to reduce monthly payments, with customers typically saving an average of $100 each month. MotoRefi's secure digital platform allows users to assess potential savings and complete the refinancing process easily from home. The company handles all aspects of the transaction, including paying off the previous lender and retitling the vehicle, eliminating the need for customers to visit the DMV. Founded in 2016, MotoRefi is headquartered in Arlington, Virginia.
Nova Credit Inc. is a credit reporting agency based in San Francisco, California, that specializes in providing credit access solutions for immigrants. Founded in 2016, the company translates international credit scores into U.S.-equivalent scores, allowing newcomers to apply for credit cards, loans, and housing without having to establish a U.S. credit history from the ground up. By offering a digital credit passport, Nova Credit enables financial institutions, property managers, and other businesses in the U.S. to assess the creditworthiness of immigrant consumers based on their foreign credit histories. The company's diverse team is dedicated to creating a seamless integration of global credit information, facilitating financial services for individuals moving to the United States.
IOUU Tecnologia e Serviços Financeiros Ltda. is a Brazilian fintech company established in 2016, based in Sao Paulo. The firm specializes in providing a peer-to-peer lending platform that connects micro and small businesses with investors seeking to lend. By offering loans at lower interest rates than traditional banks, IOUU aims to democratize access to finance and enhance financial inclusion. The platform adheres to the regulations set by the National Financial System and the Central Bank, ensuring compliance and security. By leveraging technology and innovative solutions, IOUU provides a more efficient and transparent alternative to conventional lending, thereby facilitating better credit access for businesses and individuals. The company's commitment to ethical practices and responsible lending is central to its mission of delivering greater value and opportunities to its customers.
Acordo Online operates an online agreement platform aimed at enhancing credit recovery processes. The platform provides end customers with convenient options to settle their debts while equipping creditors and collection companies with tools to streamline their operations. This approach not only reduces costs for these entities but also improves the overall experience for debtors in resolving their financial obligations. By focusing on facilitating payment methods and strengthening relationships between customers and creditors, Acordo Online seeks to create a more efficient and user-friendly environment for debt resolution.
A modern, secure, and homeowner-first approach to homeownership.
Credere is a company founded in June 2014 by Orlando Seabra, Sanderson Santana, and Fred Alecrim, with its headquarters located in Natal, Brazil. The company has developed a business platform designed to improve the sales processes of automobile dealerships. This platform offers various tools that include real-time credit pre-approval for customers, performance reports for banks and dealership teams, and insights into customer data. By providing these features, Credere enables car dealerships to optimize their sales strategies and enhance their revenue margins effectively and efficiently.
We make banks and credit unions generate new business for their account holders and sell their products recovered from unpaid financing, creating a customized platform connected with the services and offers of the bank.
Level, operating under the name Zero Financial, Inc., is a financial technology company based in San Francisco, California, that offers a modern mobile banking experience. The company's primary products include a mobile banking application, a debit card known as Zerocard, and a checking account called Zero Checking. The app provides users with real-time insights into their finances, displaying debit card purchases alongside other transactions to help manage their budgets effectively. Unlike traditional banking options, Zerocard combines the convenience of a debit card with the benefits of a credit card, offering users unlimited cash back rewards ranging from 1.0% to 3.0% on expenditures, as well as competitive annual interest rates on account balances. Level aims to eliminate common banking fees, striving to simplify personal finance management for its users.
IOUU Tecnologia e Serviços Financeiros Ltda. is a Brazilian fintech company established in 2016, based in Sao Paulo. The firm specializes in providing a peer-to-peer lending platform that connects micro and small businesses with investors seeking to lend. By offering loans at lower interest rates than traditional banks, IOUU aims to democratize access to finance and enhance financial inclusion. The platform adheres to the regulations set by the National Financial System and the Central Bank, ensuring compliance and security. By leveraging technology and innovative solutions, IOUU provides a more efficient and transparent alternative to conventional lending, thereby facilitating better credit access for businesses and individuals. The company's commitment to ethical practices and responsible lending is central to its mission of delivering greater value and opportunities to its customers.
Banfox aims to help business owners succeed by making sure they have convenient access to capital for their everyday funding needs. The company has helped dozen of businesses since we started in 2015, funding more than $10 million in working capital through traditional factoring. Our goal is to help finance more using technology. Based in Sao Paulo, the company provides cash in advance to businesses.
Adianta Pagamentos Ltda is a financial services company based in São Paulo, Brazil, that specializes in providing working capital solutions for small and medium enterprises. Founded in May 2016, the company operates an online platform that facilitates credit assessment, receivables prepayment, and loans. Its services include invoice factoring and cash flow management, employing advanced technology to automate the evaluation of client operations. Adianta aims to enhance access to credit for small businesses, helping them secure necessary funding to support their growth and financial stability. The company has been recognized as one of Brazil's top fintechs, reflecting its commitment to innovation in the financial sector.
Bom Pra Crédito a Brazilian website that provides online credit products for the general population, as well as qualified applicants for our financial Institution partners.
Investree is Indonesia’s leading B2B marketplace lending platform for SMEs that is fully licensed by Financial Services Authority of Indonesia (OJK) for both conventional and Shariah businesses. Investree is based in Indonesia but has grown its regional footprint in Thailand and soon to be in the Philippines. Investree's mission as marketplace is to use technology and data to provide small businesses with access to working capital solutions from retail and institutional lenders. Established in October 2015, Investree focuses on a B2B acquisition model to drive origination of SME borrowers. These include strong partnerships with ecosystems to drive origination, enhance verification and reduce cost of acquisition. These include strategic partnerships such as e-procurement platforms, payment gateway providers to source potential SME while accessing its digital footprint through the ecosystem to enhance the business process and customer experience. Led by a solid team of seasoned professionals from the financial industry with a team of 175 employees across the region Investree, by August 2019 has facilitated over USD 230 mio since inception, providing access to more than 1000 SMEs , while maintaining a robust and healthy asset quality.
Quotanda Loans, S.L. operates an online platform designed to facilitate student loan origination and servicing. The company provides a lending as a service (LaaS) solution that enables banks and lending institutions to quickly establish affordable education loan programs across various countries and currencies. Quotanda manages all facets of its partners' online lending initiatives, including program setup, marketing, compliance, loan origination, automated credit assessments, loan disbursement, and default management. The platform offers tailored loan programs for educational institutions and lenders, featuring automated decision-making, integrated document management, and customizable workflows. Additionally, Quotanda's system allows schools to certify student enrollment, ensuring that borrowers access only the necessary funds for their education. Founded in 2012 and headquartered in Barcelona, Spain, Quotanda aims to democratize access to education by enhancing financing options for students and educational institutions.
Creditas is a financial technology company based in São Paulo, Brazil, specializing in secured consumer loans. Founded by Sergio Furio, the company operates a digital platform that leverages credit scoring and borrower assets, such as homes and automobiles, as collateral to provide loans. This approach allows Creditas to offer affordable lending solutions by partnering with traditional financial institutions and utilizing investor-backed resources. The platform is designed to enable borrowers to repay their loans in manageable installments, thereby making financing more accessible.
Credere is a company founded in June 2014 by Orlando Seabra, Sanderson Santana, and Fred Alecrim, with its headquarters located in Natal, Brazil. The company has developed a business platform designed to improve the sales processes of automobile dealerships. This platform offers various tools that include real-time credit pre-approval for customers, performance reports for banks and dealership teams, and insights into customer data. By providing these features, Credere enables car dealerships to optimize their sales strategies and enhance their revenue margins effectively and efficiently.
Orchard Platform is a Brazilian company that offers data, technology, and software solutions for the online lending industry. It operates a centralized marketplace that connects loan originators with institutional investors, facilitating the exploration and evaluation of funding opportunities. By leveraging a global network and providing high-quality data services, advanced analytics, and capital management tools, Orchard Platform enhances the efficiency of transactions in the private credit markets. The company also produces the Orchard U.S. Consumer Marketplace Lending Index, a key performance benchmark in the direct lending sector. Recognized as a thought leader, Orchard shares insights and research through its platform and blog. As a subsidiary of Velocity Markets, Inc., it aims to create a transparent and technologically optimized environment for its users, while investment advisory services are offered through Orchard Platform Advisors, LLC, an SEC-registered investment adviser based in New York.
GuiaBolso is a digital platform in Brazil that connects consumers to various financial products through an in-app marketplace, enabling real-time access and origination. By utilizing proprietary bank account aggregation technology, GuiaBolso offers users a comprehensive view of their finances, along with free credit bureau reports. This innovative approach allows users to access a range of fairly-priced loans based on actual credit risk, which is particularly significant in a market lacking a national credit score and characterized by high interest spreads. The platform also streamlines budgeting and financial control, automating processes and helping users select financial products from a curated list of partners. GuiaBolso's mission is to enhance individuals' financial well-being by providing the necessary information for better financial decision-making.
Cherry is a point of sale financing company headquartered in San Francisco, CA.
Noverde Tecnologia e Pagamentos S/A is a Brazilian company that specializes in providing personal loan services. Founded in 2015 and headquartered in São Paulo, Noverde also develops software aimed at enhancing credit services for its clients. The company's platform includes features that restrict the sharing of personal information with third parties and allows users to track the entire loan process directly through the application. Noverde is committed to offering a transparent and secure experience for individuals seeking financial assistance.
MÉLIUZ S.A. operates a cashback program in Brazil. Its portal that offers free of charge, discount coupons from the online stores and returns part of the amount spent directly to the bank account. The company was founded in 2011 and is based in Belo Horizonte, Brazil.
Quotanda Loans, S.L. operates an online platform designed to facilitate student loan origination and servicing. The company provides a lending as a service (LaaS) solution that enables banks and lending institutions to quickly establish affordable education loan programs across various countries and currencies. Quotanda manages all facets of its partners' online lending initiatives, including program setup, marketing, compliance, loan origination, automated credit assessments, loan disbursement, and default management. The platform offers tailored loan programs for educational institutions and lenders, featuring automated decision-making, integrated document management, and customizable workflows. Additionally, Quotanda's system allows schools to certify student enrollment, ensuring that borrowers access only the necessary funds for their education. Founded in 2012 and headquartered in Barcelona, Spain, Quotanda aims to democratize access to education by enhancing financing options for students and educational institutions.
Bom Pra Crédito a Brazilian website that provides online credit products for the general population, as well as qualified applicants for our financial Institution partners.
Headnote is a technology company founded in 2016 and based in San Francisco, California, that specializes in payment and accounts receivable automation software specifically designed for the legal industry. The platform simplifies the payment process for law firms, making it as user-friendly as consumer payment services while ensuring compliance with legal regulations across all states. This innovation allows law firms to significantly improve their payment timelines, with Headnote customers typically receiving payments within an average of four days, compared to the industry standard of 60 to 94 days. Additionally, Headnote automates the tracking and management of accounts receivable, streamlining traditionally manual and time-consuming processes. The company also serves a range of legal professionals and partners, enhancing the efficiency of financial operations within the legal sector.
Clarity Money, Inc. is a New York-based company founded in 2016 that specializes in a personal finance application powered by artificial intelligence. The application is designed to assist individuals in managing their personal finances by providing tools to analyze spending habits and make informed financial decisions. Users can lower their bills, cancel unnecessary subscriptions, transfer money, open savings accounts, and check their credit scores through the app. Clarity Money aims to enhance financial transparency and empower users to optimize their financial resources. As of April 2018, Clarity Money operates as a subsidiary of Goldman Sachs Bank USA.
Ledger Investing Inc. operates an online marketplace that connects insurers with institutional investors seeking to invest in various classes of insurance risk. Founded in 2016 and based in Washington, D.C., the platform allows asset managers, pension funds, hedge funds, and family offices to access a new asset class that offers the potential for returns uncorrelated with broader capital markets. The company capitalizes on recent trends where significant capital influx from long-term institutional investors is directed towards direct insurance investments. Additionally, Ledger Investing leverages technology to transform business models and create efficient marketplaces, enhancing the connection between buyers and sellers in the insurance sector. The firm is supported by Y Combinator.
QueroQuitar is a financial services company based in São Paulo, Brazil, that provides an online platform for debt negotiation and settlement. Established in 2013, the company specializes in helping individuals manage and clear their debts while also offering services related to financial education, credit recovery, and online trading. Through its innovative approach, QueroQuitar aims to empower clients to improve their financial situations by facilitating effective debt management solutions.
First Access is a financial technology company headquartered in New York, founded in 2011. It provides a smart data platform tailored for emerging market financial institutions, particularly micro and small-to-medium enterprise lenders. The company's solutions facilitate the digitization of paper-based operations, enabling institutions to collect and analyze comprehensive data, monitor trends, and automate processes. By leveraging credit scoring expertise, First Access allows lenders to implement incremental changes without disrupting their daily operations. The platform also supports the integration of machine learning insights, enhancing the sophistication of financial institutions in managing data. Ultimately, First Access aims to transform data into financial opportunities, helping lenders worldwide improve their access to credit through user-friendly technology.
Meu Tudo is a Brazilian financial technology company that operates a mobile application focused on providing payroll loans. Founded in 2016 and headquartered in Ceara, the company serves as a marketplace lending platform, enabling users, particularly retired pensioners and federal and state employees, to access financial products and services. By acting as a banking correspondent, Meu Tudo facilitates the intermediation and negotiation of loans, utilizing anti-fraud technology to ensure secure transactions. This innovative approach allows for a streamlined digital experience in obtaining payroll loans, enhancing financial accessibility for its target audience.
HomeCredi is a real estate financing company that specializes in providing loans secured by property. It has developed a platform designed to help borrowers explore various financing options, allowing them to compare different rates and credit conditions. By streamlining the process of finding the most favorable loan terms, HomeCredi aims to save homeowners time, effort, and money. Through its services, the company facilitates access to financing for individuals seeking to invest in real estate.