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Hiperbanco is a Fintech company specializing in providing a wide range of financial services, notably its "Banco Digital Whitelabel" product. It caters to businesses across various sectors, offering tailored and flexible financial solutions under their clients' brands, including accounts, PIX, TED, boleto, recargas, cartão, and loans. Hiperbanco stands out for its customer-centric approach, co-creating unique financial products and leveraging advanced technologies.

AmFi operates a decentralized lending platform that empowers users to create and manage custom asset pools based on their specific preferences, including maximum concentration, interest rates, and supported asset categories. This platform enables investors to explore diverse investment products, fostering real-world financial alternatives powered by blockchain technology.

Founded in 2016 by Akshay Garg, Kredivo Group is Southeast Asia's leading digital financial services provider. Its flagship product, Kredivo, offers instant credit financing for e-commerce and offline purchases, personal loans, and installment payments through a modern API.

Tutu Digital is a financial services technology firm that focuses on enhancing the efficiency of financial markets through innovative solutions. The company specializes in peer-to-peer lending, providing business loans to individuals interested in investing. Tutu Digital aims to support micro and small enterprises by facilitating access to financial resources, thereby promoting social impact and economic growth. The firm addresses customer inquiries through various channels, including phone, email, and online applications, ensuring a responsive and accessible service experience.

TeamApt is a financial technology company that develops digital banking and payment platform for financial transactions. It offers an end-to-end omnichannel digital banking service called Moneytor Digital Banking, enabling banks to offer retail, merchant, and corporate banking services through digital channels, Aptpay for automation of digital banking business operations, settlements, reconciliations, and tracks digital transformation processes with web and mobile interfaces. TeamApt was founded in 2015 and is headquartered in Lekki, Lagos, Nigeria.

Klar is a digital platform offering deposit and credit services. It provides instant credit, no-commission cashback, and withdrawal services via a card and mobile app, presenting secure, low-cost alternatives to traditional credit services.

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

Erithmitic operates a digital lending platform that connects borrowers and brokers with institutional financing options. The company differentiates itself by utilizing proprietary data and software to deliver competitive and reliable funding solutions tailored to various asset types. Its platform streamlines the end-to-end lending process, supported by experienced professionals in origination, underwriting, engineering, and data science.

TymeBank specializes in digital banking, offering accessible financial services to lower-income individuals and small businesses. It provides secure personal and business accounts with minimal fees and competitive savings interest rates through its online platform.

TymeBank specializes in digital banking, offering accessible financial services to lower-income individuals and small businesses. It provides secure personal and business accounts with minimal fees and competitive savings interest rates through its online platform.

Divibank is a fintech company that develops software to facilitate business access to financial products and services from accredited institutions. Its platform integrates multiple payment methods, aiming to reduce costs, increase transaction approvals, and drive sustainable growth for businesses seeking efficient expansion.

SellersFi is a financial technology company that specializes in providing funding and financial solutions for online marketplace sellers. Founded in 2017 and headquartered in New York, the company has developed a platform that offers automated working capital tailored specifically for e-commerce entrepreneurs. Utilizing machine-learning models, SellersFi analyzes data generated from the business activities of online sellers, enabling them to gain access to growth capital and actionable insights. This approach not only facilitates easy access to funding but also helps improve cash flow and streamline operations for e-commerce businesses.

Alvva is a San Francisco-based startup developing innovative financial products to enhance the upward mobility of over 25 million noncitizen immigrants residing in the United States. Its flagship product is a credit-building loan designed to cover expenses related to immigration application fees, addressing affordability concerns and limited access to traditional credit faced by many immigrants.

IOUU is a Fintech company dedicated to democratizing finance by providing simpler, faster, and cheaper access to financial services. It connects businesses seeking credit with investors willing to lend, offering an efficient and transparent platform that leverages technology for easy, fair, and secure credit access.

Umba is an African digital bank offering free bank accounts and connected financial services. Founded in 2017, it operates in Kenya and Nigeria, providing customers with complete control of their finances via a single mobile application.

Founded in 2015, Morty is an online mortgage marketplace that instantly matches homebuyers with competitive loan products from a wide network of lenders. Its platform simplifies operations for loan officers and brokerages through AI-assisted tools, built-in compliance handling, and streamlined processes.

Moniepoint is a fintech company offering comprehensive financial services for businesses. Its platform enables businesses to create accounts, accept online payments, manage expenses, access credit facilities, and more.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

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

Clearco is an online financial platform that offers growth capital to e-commerce and B2B companies. It uses proprietary software and data science models to identify high-growth funding opportunities, providing funding in exchange for a steady revenue share of earnings.

Lana is a technology company that connects underserved populations in Mexico, Chile, and Peru with inclusive financial services via its mobile app.

Credit Dharma is rebranded as Threedots. Credit Dharma democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Credit Dharma’s platform offers a digital marketplace featuring competitive quotes from an array of home loan providers for seamless purchase. The company was founded in 2021 by Ex-groww team and is headquartered in Bengaluru, India

SoLo Funds is a financial technology company that operates a digital marketplace connecting lenders and borrowers to address emergency financial needs. Based in New York City, the platform uses technology to assess creditworthiness and facilitate small, self-selected microloans funded by individual lenders. Launched in 2018 to provide an equitable, community-driven lending alternative, SoLo aims to empower financial autonomy by expanding offerings beyond lending to include banking features, credit building, and premium member services. The marketplace has processed millions of transactions, reflecting its focus on community empowerment and accessible financing.

Avenify Corporation is a peer-to-peer lending platform based in Reston, Virginia, that focuses on income share agreements (ISAs) to finance education. Founded in 2018, Avenify simplifies the financing process for nursing students by offering them ISAs, which allow them to pay a percentage of their future income in exchange for funding their education. The platform also connects investors with students, facilitating access to both federal and private loan options to cover tuition fees. By providing transparent and straightforward financing terms, Avenify aims to support students in their educational pursuits and help them secure employment after graduation.

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 underserved individuals in the United States who have limited or no credit history. Stilt's innovative lending platform employs both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at competitive interest rates. By facilitating access to capital, Stilt aims to empower immigrants and non-citizens in building their credit profiles and achieving financial stability.

BukuKas is a neo-banking venture focused on integrating unbanked individuals in Southeast Asia into the financial ecosystem. Initially launched in Indonesia, the BukuKas app aims to support micro and small enterprises by digitizing traditional bookkeeping methods. The application allows business owners to easily record sales, expenses, and cash transactions using their smartphones. By simplifying cash management, BukuKas helps these enterprises enhance their profitability. Additionally, the app offers features such as transaction management, money transfer without bank fees, performance monitoring, automatic financial report generation, and stock management. Through these services, BukuKas seeks to improve cash flow management for small businesses in the region.

Prospa Advance Pty Ltd., established in 2011 and headquartered in Sydney, specializes in providing unsecured business loans to small enterprises across Australia. It offers tailored financing solutions for various purposes such as working capital, inventory, equipment purchases, renovations, expansion, tax obligations, marketing, payroll, partnership buyouts, and other business needs. Prospa's proprietary technology platform facilitates a swift and convenient online application process, enabling thousands of Australian small businesses to access finance efficiently. The company has been recognized for its rapid growth and innovation, including being named the fastest-growing technology company in Australia by Deloitte Tech Fast 50 in 2015.

TradeUP is a broker-dealer that offers trading and brokerage services. It is registered with the SEC and is a member of FINRA and SIPC. The company provides a feature-rich mobile trading application designed for investors to access equity markets and build global investment portfolios. The application is designed to empower self-directed investors with the necessary tools to manage their portfolios while offering extremely low commission rates. TradeUP also offers the ability to trade commission-free stocks, ETFs, and options.

Noah offers homeowners in select U.S. metro areas upfront financing based on their home's future value appreciation or depreciation, enabling debt-free access to funds without monthly payments or interest.

Solid Financial Technologies, Inc. is a San Mateo, California-based company that specializes in providing a modern banking platform designed for small businesses and e-commerce platforms. Founded in 2018, Solid enables these businesses to offer banking services directly to their customers through an integrated suite of fintech solutions. The platform allows users to quickly create bank accounts and payment cards, facilitating the embedding of banking services within various applications and marketplaces. By offering a fully managed infrastructure, Solid supports companies in launching compliant and user-friendly fintech products, enhancing their overall business management capabilities.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

BloomCredit is a fintech platform focused on enhancing the financial eligibility of individuals who have been declined for lending products. Founded in 2016 and based in New York, the company employs a data-driven approach to provide actionable insights and guidance. By collaborating directly with lenders, BloomCredit conducts consumer credit analysis and ongoing credit monitoring, notifying lenders when applicants meet eligibility criteria. This process not only helps consumers improve their financial health but also increases their chances of securing loans. Additionally, BloomCredit offers advanced developer-friendly API solutions that promote and monitor credit health, fostering trust between consumers and financial institutions.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Founded in 2015, Morty is an online mortgage marketplace that instantly matches homebuyers with competitive loan products from a wide network of lenders. Its platform simplifies operations for loan officers and brokerages through AI-assisted tools, built-in compliance handling, and streamlined processes.

Fold is a bitcoin financial services company offering a consumer platform that enables users to earn bitcoin cashback as they shop with linked credit or debit cards and a bitcoin wallet. The platform supports syncing cards, transferring bitcoin to digital gift cards, and receiving bitcoin cashback instantly. It also provides a crypto and cash management experience that lets users buy, sell, and manage bitcoin and dollars, with rewards of up to 1.5% on eligible purchases; premium members enjoy a no-fee transaction experience. Fold aims to expand access to bitcoin by delivering a suite of consumer financial products that let customers earn, accumulate, and utilize bitcoin in everyday life.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Prospa Advance Pty Ltd., established in 2011 and headquartered in Sydney, specializes in providing unsecured business loans to small enterprises across Australia. It offers tailored financing solutions for various purposes such as working capital, inventory, equipment purchases, renovations, expansion, tax obligations, marketing, payroll, partnership buyouts, and other business needs. Prospa's proprietary technology platform facilitates a swift and convenient online application process, enabling thousands of Australian small businesses to access finance efficiently. The company has been recognized for its rapid growth and innovation, including being named the fastest-growing technology company in Australia by Deloitte Tech Fast 50 in 2015.

Clearco is an online financial platform that offers growth capital to e-commerce and B2B companies. It uses proprietary software and data science models to identify high-growth funding opportunities, providing funding in exchange for a steady revenue share of earnings.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

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 underserved individuals in the United States who have limited or no credit history. Stilt's innovative lending platform employs both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at competitive interest rates. By facilitating access to capital, Stilt aims to empower immigrants and non-citizens in building their credit profiles and achieving financial stability.

Nira is a financial technology company focused on promoting financial inclusion through accessible and transparent lending products. The company has developed a digital credit application that simplifies the process of obtaining small-sized loans. Users can easily upload necessary documents and select their desired loan amount, receiving a decision within three minutes. This streamlined approach enables individuals to gain immediate access to funds, empowering them to make choices that enhance their financial freedom. Nira aims to create an environment where users can confidently manage their financial needs with clarity and ease.

Conductiv enhances lending decisions for banks, credit unions, and fintech lenders by providing alternative data beyond traditional FICO scores. Its platform offers a user-friendly workflow and UI development tool connected to a single API, accessing hundreds of alternative data points to improve loan approvals without increasing risk.

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.

IOUU is a Fintech company dedicated to democratizing finance by providing simpler, faster, and cheaper access to financial services. It connects businesses seeking credit with investors willing to lend, offering an efficient and transparent platform that leverages technology for easy, fair, and secure credit access.

Acordo Online develops an online agreement platform for credit recovery that enables debtors to settle their obligations and provides creditors and collection agencies with tools to streamline processes, reduce costs, and improve the debtor experience in resolving outstanding financial obligations.

Ualá is a fintech company offering a wide range of financial services. It provides users with a prepaid Mastercard for payments, savings accounts, and investment options, aiming to increase financial inclusion in Latin America.

Instadapp is a DeFi technology company that provides a platform and middleware to simplify interaction with multiple decentralized finance protocols. The platform enables users to deposit cryptocurrencies, borrow, lend, leverage, swap assets, and manage blockchain-based assets and financial positions, while offering tools for developers to build and monetize DeFi use-cases with reliable, integrated access. Founded in 2018 and based in Hyderabad, India.

Nira is a financial technology company focused on promoting financial inclusion through accessible and transparent lending products. The company has developed a digital credit application that simplifies the process of obtaining small-sized loans. Users can easily upload necessary documents and select their desired loan amount, receiving a decision within three minutes. This streamlined approach enables individuals to gain immediate access to funds, empowering them to make choices that enhance their financial freedom. Nira aims to create an environment where users can confidently manage their financial needs with clarity and ease.

IOUU is a Fintech company dedicated to democratizing finance by providing simpler, faster, and cheaper access to financial services. It connects businesses seeking credit with investors willing to lend, offering an efficient and transparent platform that leverages technology for easy, fair, and secure credit access.

Banfox is a Brazilian company that operates an invoice financing platform designed to facilitate quick access to credit for small and medium enterprises. Founded in 2015 and based in São Paulo, the company specializes in providing working capital by allowing businesses to anticipate receivables on delivered products through traditional factoring. With a focus on transparency, Banfox offers its services at clear rates, free from fines and default interest, thus enabling business owners to secure necessary funding for their everyday operational needs. Since its inception, the company has successfully funded over $10 million in working capital, aiming to enhance financial access for businesses through technological innovation.

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.

A Fina nasceu para facilitar a vida do pequeno empresário e profissional autônomo que necessita de crédito rápido, simples e seguro.

ByeBnk Holding S/A is a Brazilian company that provides innovative financial solutions leveraging blockchain technology. Founded in 2015 and headquartered in Belo Horizonte, with an additional office in São Paulo, ByeBnk offers a digital wallet through its ByeBnk app. This platform enables users to send money to individuals and businesses, pay bills, and exchange various currencies, including cryptocurrencies. The app is designed with a user-friendly interface, making it accessible for a wide range of users, including banks, retailers, service providers, and smartphone users. ByeBnk also features an investment platform that facilitates investment in the U.S. market, allowing users to easily open accounts and manage their investments through autopilot options or selected portfolios. The company aims to streamline financial transactions and enhance user experience by providing quick payments, low-rate credit and debit cards, and transparent asset management.

Quotanda is a lending as a service platform that enables organizations to offer education loan programs in any country and currency. The platform supports lenders, schools, governments, foundations, and communities in quickly creating and managing affordable education financing. Quotanda handles end-to-end program operations, including setup, marketing, compliance, loan origination, automated credit decisions, disbursement, servicing, and default management, allowing partners to scale access to education without expanding internal resources. Its client base includes educational institutions, government bodies, and financial institutions seeking to broaden student financing options globally.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Noverde Tecnologia e Pagamentos S/A is a Brazilian company that specializes in personal loan services and the development of software for credit services. Founded in 2016 and headquartered in São Paulo, Noverde offers a platform that allows individuals to create accounts and share necessary information for loan applications. The company conducts real-time analyses to facilitate secure bank transfers for approved loans, ensuring a streamlined lending process. Noverde prioritizes the privacy of its customers by restricting the sale of personal information to third parties and enables users to track their loan progress directly through its application.

Quotanda is a lending as a service platform that enables organizations to offer education loan programs in any country and currency. The platform supports lenders, schools, governments, foundations, and communities in quickly creating and managing affordable education financing. Quotanda handles end-to-end program operations, including setup, marketing, compliance, loan origination, automated credit decisions, disbursement, servicing, and default management, allowing partners to scale access to education without expanding internal resources. Its client base includes educational institutions, government bodies, and financial institutions seeking to broaden student financing options globally.

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.

First Access is a financial technology company founded in 2011 and headquartered in New York. It specializes in providing a smart data platform tailored for financial institutions in emerging markets, particularly micro and SME lenders. The company focuses on digitizing paper-based operations, allowing these institutions to collect rich data, monitor trends, and automate processes without disrupting their daily activities. Leveraging its expertise in credit scoring, First Access enables lenders to adopt advanced data-driven strategies, incorporating machine learning insights to enhance their capabilities. The company aims to transform data into financial opportunities by facilitating the automation and digitization of credit access through user-friendly technology, ultimately fostering growth and collaboration within the financial sector.

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 home borrowers explore various financing options. By comparing available rates and credit conditions, HomeCredi enables homeowners to identify the most favorable loan terms, ultimately saving them time, effort, and money in the borrowing process. The company's focus is on making real estate financing more accessible and efficient for its clients.