Clocktower Technology Ventures

Ume is a consumer finance platform designed to simplify access to credit, particularly for low-income individuals who lack traditional banking resources. By offering purchase credit through retailers' points of sale, Ume eliminates hidden fees, unclear terms, and high interest rates, fostering a more inclusive financial environment. The platform aims to empower consumers to achieve their personal financial goals while enabling retailers to offer a risk-free credit alternative. Through its competitive pricing and commitment to transparency, Ume seeks to democratize credit access and create an economic landscape that benefits both consumers and retailers.

M1 is a comprehensive personal finance platform offering automated investment management, low-cost borrowing, high-interest checking, and cashback rewards on Visa debit/credit cards. With over $6 billion in assets under management, M1 serves hundreds of thousands of users, earning numerous accolades for its services.

Crediverso is a digital platform that connects the US Latino community with tailored financial products. It offers services such as credit card comparisons, credit checks, international money transfers, and financial education resources.

Graviti offers the products needed the most, financed for months. No credit or debit card, no initial payment, no arrears, and with credit approved immediately. It wants to make sure every family in LATAM is able to buy basic appliances for the home by offering fair and accessible financing to acquire them. The company was founded in 2019 and is based in Mexico.

M1 is a comprehensive personal finance platform offering automated investment management, low-cost borrowing, high-interest checking, and cashback rewards on Visa debit/credit cards. With over $6 billion in assets under management, M1 serves hundreds of thousands of users, earning numerous accolades for its services.

M1 is a comprehensive personal finance platform offering automated investment management, low-cost borrowing, high-interest checking, and cashback rewards on Visa debit/credit cards. With over $6 billion in assets under management, M1 serves hundreds of thousands of users, earning numerous accolades for its services.

M1 is a comprehensive personal finance platform offering automated investment management, low-cost borrowing, high-interest checking, and cashback rewards on Visa debit/credit cards. With over $6 billion in assets under management, M1 serves hundreds of thousands of users, earning numerous accolades for its services.

Borrowell is a Toronto-based fintech that provides personal loans, unsecured consumer credit and an online lending marketplace. It offers free credit scores, credit education, and weekly monitoring, along with tools such as personalized credit coaching and AI-powered product recommendations to help customers access low-interest loans, manage debt, and improve financial well-being.

Bread is a New York-based company founded in 2014 that specializes in providing pay-over-time financing solutions for retailers. The company has developed an online financing platform aimed at enhancing merchant sales by offering consumers clear and transparent credit options. By integrating its financing tools into the e-commerce journey, Bread enables merchants to offer flexible payment plans, which increases conversion rates and average order values. The company's focus on consumer-friendly credit aims to improve access, transparency, and ease of use, ultimately making financing more accessible for a broader range of consumers.