Citi Ventures

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Atomic FI is a technology company that builds digital financial products designed to improve consumer engagement in financial services. It aims to launch a series of products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans, all focused on delivering a streamlined user experience and solving friction for financial institutions and fintechs. Its platform enables users to connect their payroll accounts using payroll credentials, reducing fraud and manual processes through multi-step verification, allowing employees and businesses to conduct secure banking transactions efficiently. The system accelerates payoff times by four to five times and emphasizes a user-centered design that prioritizes speed and ease of use.

Capital on Tap specializes in providing a comprehensive small business credit card and spend management platform. It enables entrepreneurs to oversee employee cards, secure business funding, and earn cashback rewards on all purchases. With over a decade of focus on small businesses, Capital on Tap has been recognized for its rapid growth and has served over 200,000 customers who have spent more than $5 billion using their business credit cards.

Validis Holdings Ltd. is a FinTech company based in London, with an additional office in Austin, Texas, that specializes in financial data transmission software. Its primary product, Validis, facilitates secure and efficient access to clients' financial data, specifically targeting accountancy firms, financial institutions, and commercial businesses. The software connects directly to mid-tier accounting packages, allowing for high-speed data retrieval and automated extraction of financial information. Validis generates standardized reports and detailed analytics, enabling lenders to review client data quickly and accurately. This streamlined process not only accelerates the onboarding of clients for funding applications but also enhances the ongoing monitoring of client performance and compliance. Established in 2007, Validis aims to improve the efficiency of financial data management and support lenders in making informed decisions.

Pylon offers a digital mortgage-lending platform that enables businesses to integrate mortgage services into their products. Based in New York, it provides APIs, UI components, and capital markets stack for origination, underwriting, processing, funding, and closing of loans.

Iwoca is a London-based provider of small business finance offering unsecured and short-term loans to UK retailers, restaurants, hotels and service providers. The company furnishes financing for working capital, inventory, technology, staff and expansion, with flexible repayment terms from 1 day to 24 months and no penalties for early repayment. Access to funding is available through an online application, enabling businesses to bridge cashflow gaps and pursue growth opportunities. Founded in 2011, Iwoca focuses on helping small businesses manage cash flow and invest in their operations.

Versana is a company that specializes in providing a loan data platform designed to enhance transparency and efficiency within the syndicated loan market. By offering real-time insights into loan-level details and portfolio positions, Versana enables its clients to eliminate discrepancies through direct digital access to agent banks' reference data. The company focuses on various aspects of the financial market, including loan syndication, corporate credit, leveraged finance, and investment-grade and high-yield loans. Through its innovative financial technology and data management solutions, Versana aims to streamline processes and improve overall market dynamics for its clients.

Setpoint is building trust in our credit system. An operating system for capital markets functions that drives capital and operational efficiency, while offering peace-of-mind to Capital Providers. Our platform unlocks speed, efficiency and accuracy for borrowers and lenders.

Numerated is a fintech company that simplifies business banking for financial institutions and their clients through its innovative digital lending platform. This platform enables banks and credit unions to enhance customer experience by leveraging data to streamline the origination of various business banking products, facilitating the entire process from application to decision and closure. The software includes features such as pre-filled digital applications, decision automation, and sales and marketing tools, thereby making it easier for businesses to obtain financial products. With over 400,000 businesses and 30,000 financial institution associates utilizing the platform, Numerated has processed $50 billion in lending. Financial institutions with a collective asset base of $1 trillion employ Numerated's solutions, which have garnered recognition in the fintech industry for their effectiveness and innovation.

Iwoca is a London-based provider of small business finance offering unsecured and short-term loans to UK retailers, restaurants, hotels and service providers. The company furnishes financing for working capital, inventory, technology, staff and expansion, with flexible repayment terms from 1 day to 24 months and no penalties for early repayment. Access to funding is available through an online application, enabling businesses to bridge cashflow gaps and pursue growth opportunities. Founded in 2011, Iwoca focuses on helping small businesses manage cash flow and invest in their operations.

Abound is a consumer lending startup based in London, United Kingdom, that aims to provide low-cost personal credit as an alternative to expensive payday loans. Founded in 2020, the company leverages the UK’s Open Banking standard to analyze consumers' historical bank statement data. This approach allows Abound to develop a detailed understanding of customers' financial situations, enabling them to assess affordability more accurately while reducing dependence on traditional credit reference agency scores. By focusing on individuals with low credit scores, Abound seeks to expand access to affordable credit, thereby promoting financial inclusion.

Sunbit, Inc., incorporated in 2015 and based in Los Angeles, California, specializes in financing services that allow consumers to split purchases into manageable payments. The company develops a pay-over-time platform that utilizes artificial intelligence and machine learning to approve a majority of applicants, making financial services accessible to a broad audience. Sunbit offers point-of-sale lending technology applicable to various service sectors, including auto dealership service centers, optical practices, dental offices, and specialty healthcare services. Their commitment to reducing financial stress for consumers is reflected in the convenience of their services, which are also accessible through mobile applications on both major platforms. Additionally, Sunbit provides tablets, scanners, signs for stores, and informational sheets for customers to enhance their offerings in retail environments.

Ampla is a financial technology company that offers tech-enabled financial solutions to help businesses grow. It operates an all-in-one financing platform that provides growth capital, modern banking services, and data analytics, delivering growth and working capital solutions through a platform designed to streamline access to capital for omnichannel brands and solve cash flow challenges.

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.

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.

Fleximize is a UK-based alternative business lender and digital platform that provides UK SMEs with flexible funding through a dedicated online experience. The company offers facilities from £5,000 to £500,000 with terms of one month to 60 months, and includes features such as repayment holidays, top ups, and no early repayment fees. Each client is assigned a dedicated relationship manager to tailor a funding package to their business needs. The platform supports growth across a range of sectors, enabling businesses to access flexible financing aligned with their growth plans.

Silvr is a Paris-based fintech that provides equity-free funding to e-commerce entrepreneurs by leveraging digital business data to forecast future revenues and offer funding within 24 hours. The platform serves merchants who often lack access to traditional banks, financing growth and marketing spend with repayments tied to sales, helping them scale online stores and marketplaces.

Prodigy Finance Limited is an online platform headquartered in London, United Kingdom, that facilitates education loans for international postgraduate and MBA students. Established in 2006, the company connects student borrowers with a community of lenders, including alumni, institutional investors, and qualified private investors. Prodigy Finance specifically targets students pursuing master's degrees across 18 countries, aiming to enhance access to higher education for those who may lack traditional financing options. In addition to its loan services, the company offers a mobile app that allows users to manage and access their loan information conveniently. Through its community funding model, Prodigy Finance addresses the financial barriers that students face, making it easier for them to pursue their academic aspirations at premium business schools.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Clerkie is an AI-driven financial planning platform that provides financial knowledge, personalized answers, and actionable plans to help users manage their finances. It also automates loan servicing and supports credit score building through debt management, using conversational AI to build comprehensive financial knowledge graphs that enable the management of loan losses and integrate financial advice with one-click automation. These capabilities serve lenders, businesses, and individuals by helping optimize loan portfolios, improve repayment performance, and promote financial wellness.

Versana is a company that specializes in providing a loan data platform designed to enhance transparency and efficiency within the syndicated loan market. By offering real-time insights into loan-level details and portfolio positions, Versana enables its clients to eliminate discrepancies through direct digital access to agent banks' reference data. The company focuses on various aspects of the financial market, including loan syndication, corporate credit, leveraged finance, and investment-grade and high-yield loans. Through its innovative financial technology and data management solutions, Versana aims to streamline processes and improve overall market dynamics for its clients.

Abound is a consumer lending startup based in London, United Kingdom, that aims to provide low-cost personal credit as an alternative to expensive payday loans. Founded in 2020, the company leverages the UK’s Open Banking standard to analyze consumers' historical bank statement data. This approach allows Abound to develop a detailed understanding of customers' financial situations, enabling them to assess affordability more accurately while reducing dependence on traditional credit reference agency scores. By focusing on individuals with low credit scores, Abound seeks to expand access to affordable credit, thereby promoting financial inclusion.

LiveMore Capital is a money lending financial services company. The company offers a broad range of mortgages for people aged 50-90+ LiveMore Capital was established in 2018 in London, England.

Anyfin is a Stockholm-based fintech that provides a loan refinancing platform. The service enables users to refinance existing loans by taking a photo of loan statements and using consumer data and artificial intelligence to assess terms and potential savings. By reducing reliance on intermediaries, the platform aims to secure lower interest costs for borrowers without extending repayment periods. Founded in 2017, Anyfin focuses on helping customers improve their financial situation from Sweden.

Greenwood is a fintech company offering a mobile banking platform designed for Black and Latinx individuals and business owners. It provides savings accounts, debit cards, peer-to-peer transfers, mobile deposits, community reinvestment initiatives, global ATM access, and early pay services.

Founded in 2019, Lentra empowers banks and non-banking financial companies (NBFCs) to create custom loan products and enhance customer experiences through its API-driven modular architecture. Its digital lending platform serves over 50 banks, processing over $20 billion worth of loan applications monthly, with 2 million loans processed each month.

Propel Finance No 1 Limited, established in 1996 and based in Newport, United Kingdom, offers financial services primarily to small and medium-sized enterprises (SMEs) across various sectors, including catering, construction, fitness, IT, manufacturing, and real estate. The company specializes in asset finance solutions, enabling businesses to acquire essential equipment and vehicles efficiently. Propel is committed to providing flexible and accessible financing options, utilizing a blend of collaboration and technology to enhance customer experiences. Formerly known as Henry Howard Finance Group No. 1 Limited, the company rebranded in December 2016 to better align with its mission of delivering impactful financial solutions.

auxmoney GmbH is a digital lending platform based in Düsseldorf, Germany, specializing in peer-to-peer money lending services. Founded in 2007, the company offers a range of loan products, including personal loans, installment loans, and specialized loans for various purposes such as education, business commencement, and vacations. auxmoney employs unique risk assessment models and streamlined digital processes to enhance access to affordable credit while minimizing lending risks. The platform facilitates connections between borrowers and private investors, allowing individuals to secure financing more responsibly. By focusing on consumer credit, auxmoney plays a significant role in promoting financial inclusion across Europe.

LiquidX Inc. is a leading electronic marketplace based in New York that facilitates the exchange of trade finance assets. Established in 2015, the company operates a technology-driven platform that allows corporations, banks, asset managers, hedge funds, and insurers to trade risks and invest in various financial instruments, including receivables, payables, and letters of credit. By providing a transparent environment for tapping into capital markets, LiquidX enables participants to achieve optimal pricing for trade finance assets. The company also serves as a complementary funding source to traditional banking, enhancing access to capital for its diverse client base, which includes both large global companies and smaller financial institutions. With additional offices in London and Singapore, LiquidX continues to expand its global footprint and facilitate efficient trade finance transactions.

Konfio is a financial services platform in Mexico that provides online lending and payment solutions for micro, small, and medium-sized businesses. It offers working capital and short-term loans, fixed-rate loans, corporate cards, and online payments. The platform uses a data-driven approach with proprietary analytics to measure creditworthiness and extend affordable credit to businesses underserved by traditional banks, supporting growth and productivity.

MQube is a technology-driven company focused on transforming the UK mortgage market by addressing the challenges faced by lenders, brokers, landlords, and home buyers. Established with a commitment to enhancing user experience, MQube launched its MPowered Mortgages and MPowered platform in 2021. The company utilizes artificial intelligence, unique document extraction technology, and smart data management to automate lending decisions, thereby providing borrowers with greater certainty and control over the mortgage process. Its platform ensures the accuracy of customer data and facilitates the retrieval of relevant data points from documents supplied by mortgage brokers. This innovation enables customers to secure mortgages more easily while allowing lenders to make quicker lending decisions and improve overall customer outcomes.

Founded in 2019, Lev specializes in digitizing commercial real estate transactions via its technology platform. It offers financial services, including lending solutions and capital management.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

ChargeAfter Ltd is a financing platform founded in 2017, headquartered in Ramat Gan, Israel, with additional offices in Sunnyvale, California, and New York, New York. The company specializes in connecting retailers with multiple lenders to provide consumers with personalized, responsible financing options at the point of sale. Its platform utilizes a data-driven decisioning engine to streamline the approval process, enabling merchants to deliver relevant financing offers based on individual credit profiles. ChargeAfter's solution allows retailers to implement financing options quickly across both online and in-store channels, enhancing customer experiences while improving conversion rates and average order value. The platform also features an easy-to-use merchant dashboard, detailed transaction reporting, and options for white-label integration, thereby supporting lenders in expanding their reach within new retail markets.

Household Capital is a specialist financial services firm focused on providing longevity income solutions to senior Australians, enabling them to live comfortably in their own homes. The company offers retirement funding services that allow retirees to access a portion of their home's value, thereby addressing the financial needs of an aging population. By facilitating this access, Household Capital helps customers secure the necessary funds to support a comfortable retirement and maintain the lifestyle they have earned.

Octane is a financing platform designed to facilitate lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment, by enhancing the buying experience for consumers. The company employs advanced technology and innovative risk strategies to create a seamless, end-to-end process that supports customers throughout their purchasing journey. Octane inspires enthusiasts through its editorial brands, prequalifies consumers for financing online using its e-commerce tools, and connects customers with partner dealerships for efficient closing. Additionally, Octane provides comprehensive loan servicing to assist customers during the life of their loans. Operating as a remote-first organization, Octane maintains offices in New York, Irving, Irvine, and Knoxville, and collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States. The company has been recognized for its rapid growth, earning a spot on the 2022 Inc 5000 list of America's Fastest Growing Private Companies and being certified as a great place to work.

Splash Financial, established in 2013 and headquartered in Cleveland, Ohio, operates as a student loan refinancing company. It specializes in providing online lending solutions for college graduates to consolidate and refinance both federal and private student loans. The company's mission is to empower borrowers by helping them shop and compare financial products from its network of credit union and bank partners, aiming to reduce debt burdens through savings facilitated by its automated underwriting platform.

auxmoney GmbH is a digital lending platform based in Düsseldorf, Germany, specializing in peer-to-peer money lending services. Founded in 2007, the company offers a range of loan products, including personal loans, installment loans, and specialized loans for various purposes such as education, business commencement, and vacations. auxmoney employs unique risk assessment models and streamlined digital processes to enhance access to affordable credit while minimizing lending risks. The platform facilitates connections between borrowers and private investors, allowing individuals to secure financing more responsibly. By focusing on consumer credit, auxmoney plays a significant role in promoting financial inclusion across Europe.

HQLAX is a financial technology firm that uses distributed ledger technology to improve liquidity and collateral management in the institutional securities financing markets. The company leverages Corda to enable real-time, secure transfers of securities ownership, driving operational efficiency and regulatory compliance in global finance. Through a strategic partnership with Deutsche Börse Group, HQLAX aims to create a joint operating model that enhances collateral mobility across a fragmented securities settlement ecosystem, facilitating smoother collateral movements for market participants. The platform serves banks and asset managers, supporting efficient repo and securities financing workflows by reducing friction and improving settlement transparency.

4G Capital is a Nairobi-based company founded in 2013, dedicated to providing unsecured credit to small business owners in Africa's informal markets. Focused on supporting micro-enterprises, particularly in low-income sectors, the company offers working capital loans alongside bespoke financial literacy training. Utilizing proprietary machine learning technology, 4G Capital delivers tailored credit products and services to clients, enabling them to leverage micro-loans effectively for sustainable business growth. Loans can be accessed rapidly through mobile money, ensuring a streamlined experience for entrepreneurs who often lack traditional forms of credit due to high collateral demands. With a significant emphasis on supporting female traders, rural businesses, and micro-entrepreneurs in various sectors—including agriculture and trade—4G Capital aims to close the substantial finance gap across Africa. The company has achieved impressive collection rates and has expanded its impact to over one million individuals through ongoing operations in Kenya and Uganda, while continuing to scale its services across the continent.

Reonomy specializes in commercial real estate data and analytics. It uses big data, partnerships, and machine learning to provide comprehensive property intelligence, enabling professionals to discover new opportunities and make informed decisions.

Engine by MoneyLion is a financial technology company that specializes in embedded finance and marketplace platforms for financial services. The company offers a comprehensive suite of tools, including a search, comparison, and recommendation engine for various financial products, as well as tools for offer management and optimization. These services empower businesses to integrate financial products into their operations, enabling them to deliver personalized financial offers to their clients. Additionally, Engine by MoneyLion provides a diverse range of financial services, including loans, credit, insurance, and savings account solutions.

Octane is a financing platform designed to facilitate lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment, by enhancing the buying experience for consumers. The company employs advanced technology and innovative risk strategies to create a seamless, end-to-end process that supports customers throughout their purchasing journey. Octane inspires enthusiasts through its editorial brands, prequalifies consumers for financing online using its e-commerce tools, and connects customers with partner dealerships for efficient closing. Additionally, Octane provides comprehensive loan servicing to assist customers during the life of their loans. Operating as a remote-first organization, Octane maintains offices in New York, Irving, Irvine, and Knoxville, and collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States. The company has been recognized for its rapid growth, earning a spot on the 2022 Inc 5000 list of America's Fastest Growing Private Companies and being certified as a great place to work.

Oodle Car Finance is a UK-based car finance company that specializes in connecting customers with reputable car dealers and facilitating a streamlined car buying experience. By integrating the processes of search and finance into one digital platform, Oodle Car Finance enhances the customer journey in the used-car market. Utilizing advanced algorithms, the company enables clients to quickly receive pre-approved financing, ensuring they find their ideal vehicle efficiently. With a focus on delivering a best-in-class consumer experience, Oodle Car Finance aims to redefine how individuals approach car purchasing and financing in the UK.

Pagaya is a fintech company leveraging machine learning and big data analytics to manage institutional funds, primarily focusing on fixed income and alternative credit markets.

1st Stop Group Limited is a financial services provider based in Blackpool, United Kingdom. Established in 2004, the company offers a diverse array of financial products aimed at the retail marketplace. Its offerings include unsecured personal loans, secured loans for homeowners, car finance, and hire purchase services available for both homeowners and tenants. Through its various subsidiary companies, 1st Stop Group caters to the financial needs of consumers, facilitating access to credit and financing options.

BDO Unibank is a full-service universal bank in the Philippines, headquartered in Makati City. It serves corporate and retail customers with a broad range of products and services, including lending and deposits, treasury and cash management, and trust and investment services. The bank also provides investment banking, private banking, insurance, leasing and financing, remittance, rural banking, and card services such as credit cards and cash cards, along with securities brokerage. It offers private, online, and mobile banking to individuals and institutions. Through its local subsidiaries and networks, BDO Unibank supports capital markets activities and wealth management, delivering a comprehensive platform that combines traditional banking with financing, remittance, and digital solutions.

Cobalt is a financial technology company that offers critical risk and data services to participants in the foreign exchange (FX) market, while also extending its regulatory compliant solutions to the digital asset sector. Additionally, Cobalt provides high-risk payments and funding services tailored for small businesses across various industries, including hospitality, automotive, e-commerce, and retail. Through its innovative services, Cobalt aims to address the unique challenges faced by these sectors in managing risk and facilitating transactions.

Bluevine is a financial technology company dedicated to improving the financial landscape for small business owners through tailored banking solutions. Established in 2013, Bluevine has rapidly expanded its customer base to over 400,000 across all 50 states and has facilitated more than $13 billion in financing. The company specializes in working capital management, offering products such as business lines of credit and invoice factoring. Through these services, Bluevine provides immediate access to capital, enabling businesses to manage payroll, purchase supplies, and invest in growth. With a strong commitment to innovation, security, and customer care, Bluevine aims to empower small businesses to focus on their core operations and future expansion.

Advantage Capital Partners is a United States‑based venture capital firm that provides growth equity, debt, and mezzanine financing to small and mid‑market companies, with a focus on underserved communities and state and local economic development. The firm invests across sectors including manufacturing, technology, business services, life sciences, and energy, and also supports real estate development projects with equity and debt. It typically makes initial investments ranging roughly from half a million to ten million in companies with modest sales, and may participate in larger follow‑on rounds or co‑invest with other firms. It uses senior debt, mezzanine debt, subordinated loans, and government‑guaranteed lending, and often pursues equity positions through preferred shares or convertible notes. Advantage Capital operates nationwide in the United States, with roots in New Orleans and offices in multiple states, and has backed thousands of jobs and housing projects as part of its mission to expand inclusive economic growth.

CrediLinq.Ai is a technology infrastructure company that enables B2B platforms to offer embedded finance solutions to their customers. It facilitates 'PayLater' for buyers and 'PayNow' for sellers, aiming to enhance conversion rates, increase average order volumes, and reduce operational burdens.

Vontive is a developer of an embedded mortgage platform designed to finance investment properties. The platform offers a no-code, white-label solution that allows businesses serving real estate investors to launch their own investment-property mortgage operations in 1-2 weeks. It creates a direct conduit to finance investment property mortgages, connects to a debt marketplace, and streamlines capital allocation at scale, enabling real estate investors to access predictable, cost-effective financing and compete with cash buyers.