Slash operates an online banking platform designed to facilitate seamless fund transfers between personal and business bank accounts. The platform offers a range of services, including deposits, payments, virtual cards, and expense tracking. Users benefit from features such as account and routing numbers, direct deposit capabilities, and detailed statements. Additionally, the platform incorporates bank-level security encryption and read-only access to ensure user information is protected. A mobile application enhances the user experience by allowing customers to manage both personal and business accounts from a single dashboard and to split subscription costs with friends. Support services are available to address customer inquiries via email.
Arch is a financial technology company that offers loans to alternative asset owners.
Hyperface is a banking-as-a-service startup that helps companies create and launch their own credit cards.
Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.
Zenbase is a leader in flexible rent payments, and is committed to economic inclusion that fosters financial empowerment for renters. Our solutions improve the financial wellness of renters while improving operational efficiency for property managers. Rent is usually due on the 1st of the month but that doesn’t align with most people’s bi-monthly pay cycle. We’ve fixed that misalignment and provided other financial tools to help level the playing field.
Grupo R5 Ltda operates R5, an online platform based in Bogotá, Colombia, that provides mortgage loans and insurance policies using assets such as cars and motorcycles as collateral. Founded in 2018, the company primarily serves low-income customers in cities including Bogotá, Medellín, Cali, and Bucaramanga. R5 enables users to refinance high-interest debt or invest in their businesses by offering a streamlined digital process for accessing funds. Additionally, the platform facilitates the purchase of compulsory vehicle insurance with affordable policies, allowing customers to leverage their vehicles as security for low-rate credit options.
Zenda is a fintech app that enables to pay school fees with pay-now and pay-later options, unlocking rewards for paying on time.
Pillar is an all-in-one mobile platform helping global citizens break down credit borders. Credit histories are siloed from country to country making it hard for the nomads of this world to access new financial products when settling in a new country. Pillar's credit cards are designed for people with little to no credit score, such as expats settling in a new country.
Knoma Ltd operates an online platform that facilitates loans for educational courses, focusing on bridging the digital skills gap in a rapidly evolving global economy. Established in 2018 and based in London, the platform allows users to access a wide range of online courses, including subjects like cybersecurity and software development. Knoma enables learners to finance their education through flexible monthly payments, allowing them to borrow up to £10,000, which can be repaid over a twelve-month period without any interest or fees. By partnering with leading coding and tech schools, Knoma aims to make lifelong learning more accessible and affordable, thereby supporting individuals in enhancing their technical, digital, and data skills for future career advancement.
Selina Finance Limited, incorporated in 2018 and based in London, provides innovative digital finance services aimed at consumers and businesses. Recognizing the significant value tied up in UK homes and the reliance on costly consumer loans, credit cards, and overdrafts, the company offers flexible financing solutions that are designed to meet modern customer needs. Selina Finance enables individuals to assess their loan eligibility and provides credit facilities for property investors and businesses. By leveraging expertise in real estate, finance, and technology, Selina Finance aims to deliver a next-generation financing option that combines the flexibility of a current account, the affordability of a mortgage, and the ease of application typical of consumer loans.
Bringing rent-to-own to Australia
Moss is a technology-based payment and credit card platform that enables companies to optimize their finances. Thanks to a dynamic and up to 10x higher limit, our corporate credit card can handle even the highest spend. With virtual and physical credit cards, the entire team can spend easily and securely. Individual spending limits and real-time data per card, merchant or team keep costs under control. The Moss app makes it easy to digitize receipts, including cost center and VAT assignment. At the end of the month, all data and documents can be exported to any accounting software.
SimpliFi is a company focused on democratizing payments through its Cards as a Service (CaaS) platform, specifically targeting the MENA region and Pakistan. The platform manages the entire card issuance process, encompassing partnerships with banks, payment schemes, processors, and identity verification. By providing a comprehensive technology stack, SimpliFi streamlines card operations and compliance functions, allowing clients to concentrate on their core business activities. This innovative approach aims to deliver trusted and cost-effective solutions for organizations looking to enhance their payment systems.
Ledn is a financial services company focused on helping individuals save in digital assets. It offers a range of products, including a bitcoin-backed loan service that allows clients to access cash without selling their bitcoin. Additionally, Ledn provides a B2X product that enables users to instantly double their bitcoin holdings through a loan. The company also features interest-bearing savings accounts for bitcoin and USDC, which pay interest without requiring minimum deposits. By providing these services, Ledn aims to empower clients to grow their digital wealth while maintaining their cryptocurrency holdings.
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.
Developer of a payments platform designed to allow users to make use of their credit card receivables. The company's platform allows retailers to get more credit to buy from their suppliers, using card receivables without having to anticipate them, enabling users to avail of working capital whenever they need it.
Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
Developer of financial software designed to unlock financial services for people in emerging markets via alternative credit scores and microloans. The company uses machine learning algorithms to build an alternative credit score and application that provides store credit financing to buy essentials like food and medicine, enabling users to access essential goods and financial services easily.
Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.
Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.
Fraction is a technology-based lending platform focused on making residential real estate more affordable, flexible and liquid.
Anyfin AB, founded in 2017 and based in Stockholm, Sweden, offers a service that allows users to refinance their existing loans by simply taking a photo of their loan statements. By leveraging artificial intelligence and consumer data, the company aims to help individuals save money on private loans and avoid high interest rates and compound interest. Users can easily initiate the refinancing process by submitting a picture of their latest loan invoice through the company’s website or via messaging platforms. Although currently available only in Sweden, Anyfin has ambitions to expand its services across Europe, providing a more comprehensive assessment of borrowers’ financial situations than traditional credit scores. This innovative approach seeks to make refinancing and consolidating loans more accessible and cost-effective for consumers.
Hyperface is a banking-as-a-service startup that helps companies create and launch their own credit cards.
MODIFI GmbH, founded in 2018 and based in Berlin, Germany, operates an online platform designed to facilitate global trade financing for small and medium-sized enterprises (SMEs). By providing access to digital trade financing, MODIFI aims to empower these businesses to engage in international trade, which is essential for their growth and development. The platform offers a streamlined financing process that reduces paperwork and ensures quick access to funds, allowing SMEs to enhance their liquidity and build robust international partnerships. MODIFI's commitment to transparency and flexibility in trade finance helps SMEs navigate the complexities of global commerce and fosters local economic development.
Prospa is a technology company focused on supporting African entrepreneurs and small businesses through its banking application. This application enables business owners to open and manage business accounts, providing them with an account number in the company's name. Prospa's platform facilitates various financial transactions, including sending and receiving transfers, creating invoices, and establishing sub-accounts. By addressing common financial challenges faced by small businesses, Prospa aims to enhance productivity and streamline operations for its users.
Developer of a payments platform designed to allow users to make use of their credit card receivables. The company's platform allows retailers to get more credit to buy from their suppliers, using card receivables without having to anticipate them, enabling users to avail of working capital whenever they need it.
Flowbo is a funding platform designed to support creators, freelancers, and solopreneurs in accessing financing. By leveraging data to assess risk, Flowbo packages the assets of creators into investable products. This allows creators to raise capital tailored to their specific needs, such as launching e-commerce stores, developing games, and initiating collaborations. The loan amounts available to users are determined by their audience reach and engagement across various channels. Through this innovative approach, Flowbo empowers creators to unlock their full potential and explore new avenues for growth and visibility.
Moss is a technology-based payment and credit card platform that enables companies to optimize their finances. Thanks to a dynamic and up to 10x higher limit, our corporate credit card can handle even the highest spend. With virtual and physical credit cards, the entire team can spend easily and securely. Individual spending limits and real-time data per card, merchant or team keep costs under control. The Moss app makes it easy to digitize receipts, including cost center and VAT assignment. At the end of the month, all data and documents can be exported to any accounting software.
Bringing rent-to-own to Australia
Bankuish is a technology platform where gig workers and freelancers leverage their work history data to demonstrate their creditworthiness. Users gain access to a marketplace of preapproved offers from national banks tailored to their unique profile as well as tools to grow their credit score. The company helps banks gain new customers, manage risk, and improve customer relationships. The Bankuish Score has been used to de-risk thousands of individuals while maintaining a default rate well below the industry standard. Bankuish was established in 2020 with its headquarters in New York City and Mexico City.
HonestRobin provides financial education and access to no-interest cash advance and FDIC insured & high-interest saving accounts. Through our gamified tools and weekly rewards(upto $10 Million), We encourage users to save and invest.
Kafene is a startup focused on providing flexible payment solutions to consumers, particularly those who may face difficulties with traditional debt products. The company offers a range of financing options for various products, including furniture, appliances, electronics, musical instruments, and jewelry. Kafene's innovative approach allows consumers to return items without incurring residual debt if they can no longer make payments, promoting financial freedom. The platform leverages advanced technology, including app-based point-of-sale systems and artificial intelligence for underwriting, to deliver near-instantaneous approval and payment capabilities. This enables Kafene to serve a wide customer base across the full credit spectrum, facilitating access to essential goods while maintaining a commitment to responsible lending practices.
QisstPay operates a Buy Now, Pay Later platform in Pakistan, offering consumers the ability to purchase items through interest-free installments. The service is designed to facilitate credit sales for merchants without imposing any markup fees or interest charges. By enabling customers to buy products such as clothing and shoes while deferring payment, QisstPay enhances the shopping experience and increases sales potential for retailers. The platform aims to simplify the payment process and make installment purchasing accessible, thereby promoting a more flexible financial option for consumers in Pakistan.
Ledn is a financial services company focused on helping individuals save in digital assets. It offers a range of products, including a bitcoin-backed loan service that allows clients to access cash without selling their bitcoin. Additionally, Ledn provides a B2X product that enables users to instantly double their bitcoin holdings through a loan. The company also features interest-bearing savings accounts for bitcoin and USDC, which pay interest without requiring minimum deposits. By providing these services, Ledn aims to empower clients to grow their digital wealth while maintaining their cryptocurrency holdings.
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.
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.
Fraction is a technology-based lending platform focused on making residential real estate more affordable, flexible and liquid.
Ledn is a financial services company focused on helping individuals save in digital assets. It offers a range of products, including a bitcoin-backed loan service that allows clients to access cash without selling their bitcoin. Additionally, Ledn provides a B2X product that enables users to instantly double their bitcoin holdings through a loan. The company also features interest-bearing savings accounts for bitcoin and USDC, which pay interest without requiring minimum deposits. By providing these services, Ledn aims to empower clients to grow their digital wealth while maintaining their cryptocurrency holdings.
Moss is a technology-based payment and credit card platform that enables companies to optimize their finances. Thanks to a dynamic and up to 10x higher limit, our corporate credit card can handle even the highest spend. With virtual and physical credit cards, the entire team can spend easily and securely. Individual spending limits and real-time data per card, merchant or team keep costs under control. The Moss app makes it easy to digitize receipts, including cost center and VAT assignment. At the end of the month, all data and documents can be exported to any accounting software.
Tilled, Inc. operates a payments platform that facilitates the integration of payment processing into software applications, allowing businesses to quickly start accepting various forms of payment, including credit and debit cards, ACH transactions, and health savings account payments. Founded in 2019 and based in Boulder, Colorado, Tilled provides services such as hosted payment forms, recurring payments, and split payments. The platform is designed to enable clients to monetize payments through modern APIs and SDKs, eliminating the need for upfront costs or additional staffing. This approach allows businesses to concentrate on their core operations while generating revenue from payment processing.
Knoma Ltd operates an online platform that facilitates loans for educational courses, focusing on bridging the digital skills gap in a rapidly evolving global economy. Established in 2018 and based in London, the platform allows users to access a wide range of online courses, including subjects like cybersecurity and software development. Knoma enables learners to finance their education through flexible monthly payments, allowing them to borrow up to £10,000, which can be repaid over a twelve-month period without any interest or fees. By partnering with leading coding and tech schools, Knoma aims to make lifelong learning more accessible and affordable, thereby supporting individuals in enhancing their technical, digital, and data skills for future career advancement.
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.
Selina Finance Limited, incorporated in 2018 and based in London, provides innovative digital finance services aimed at consumers and businesses. Recognizing the significant value tied up in UK homes and the reliance on costly consumer loans, credit cards, and overdrafts, the company offers flexible financing solutions that are designed to meet modern customer needs. Selina Finance enables individuals to assess their loan eligibility and provides credit facilities for property investors and businesses. By leveraging expertise in real estate, finance, and technology, Selina Finance aims to deliver a next-generation financing option that combines the flexibility of a current account, the affordability of a mortgage, and the ease of application typical of consumer loans.
Lingxi is a company based in Changping, China, that specializes in developing augmented intelligence technologies tailored for financial services. Its product offerings include an artificial intelligence augmented station designed to enhance employee productivity, ensure workflow compliance, and improve management assistance. Additionally, Lingxi provides an AI and robotic assistant that facilitates faster decision-making, amplifies human capabilities, and enhances data value for enterprises. The company also offers an AI training robot that delivers high-fidelity client interactions, professional training packages, and customized training solutions. Lingxi's services span various financial applications, including debt collection, financial sales, and insurance training and sales, effectively addressing the needs of the customer service sector through advanced machine intelligence.
Anyfin AB, founded in 2017 and based in Stockholm, Sweden, offers a service that allows users to refinance their existing loans by simply taking a photo of their loan statements. By leveraging artificial intelligence and consumer data, the company aims to help individuals save money on private loans and avoid high interest rates and compound interest. Users can easily initiate the refinancing process by submitting a picture of their latest loan invoice through the company’s website or via messaging platforms. Although currently available only in Sweden, Anyfin has ambitions to expand its services across Europe, providing a more comprehensive assessment of borrowers’ financial situations than traditional credit scores. This innovative approach seeks to make refinancing and consolidating loans more accessible and cost-effective for consumers.
Raise Marketplace Inc. operates an online platform for buying and selling gift cards, allowing users to convert unused cards into cash and purchase discounted gift cards from various brands and categories. The company collaborates with over 600 national brands to enhance customer loyalty and engagement while providing savings and rewards through its Raise Pay service. Since its inception in 2010, Raise has helped millions of members save over $200 million. Additionally, the company offers rZero, a risk minimization service aimed at preventing digital fraud, including account takeovers and counterfeit activities. Based in Chicago, Illinois, Raise is accessible on both iOS and Android devices, as well as through its website.
Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
Moss is a technology-based payment and credit card platform that enables companies to optimize their finances. Thanks to a dynamic and up to 10x higher limit, our corporate credit card can handle even the highest spend. With virtual and physical credit cards, the entire team can spend easily and securely. Individual spending limits and real-time data per card, merchant or team keep costs under control. The Moss app makes it easy to digitize receipts, including cost center and VAT assignment. At the end of the month, all data and documents can be exported to any accounting software.
Sonovate Limited is a financial services provider specializing in the recruitment industry in the United Kingdom. Founded in 2011 and based in London, the company caters to a diverse clientele, including start-up recruitment agencies and established firms seeking to place contractors. Sonovate offers a comprehensive suite of services that includes financing, contract administration, and back-office support, all facilitated through its cloud-based placement management application. This platform streamlines various operational tasks such as credit control, invoicing, payments, compliance, and timesheet management, allowing businesses to efficiently manage their freelance workforce. By providing both funding and administrative support, Sonovate aims to simplify the contractor payment process and offer greater flexibility to its clients.
Knoma Ltd operates an online platform that facilitates loans for educational courses, focusing on bridging the digital skills gap in a rapidly evolving global economy. Established in 2018 and based in London, the platform allows users to access a wide range of online courses, including subjects like cybersecurity and software development. Knoma enables learners to finance their education through flexible monthly payments, allowing them to borrow up to £10,000, which can be repaid over a twelve-month period without any interest or fees. By partnering with leading coding and tech schools, Knoma aims to make lifelong learning more accessible and affordable, thereby supporting individuals in enhancing their technical, digital, and data skills for future career advancement.
Lyght GmbH is a Berlin-based company established in 2018 that operates an online platform for furniture rental services. The company offers a range of furniture items, including sofas, armchairs, tables, and beds, allowing customers to rent these items for as long as they desire. This approach provides flexibility without the financial burden and commitment associated with ownership. Additionally, Lyght GmbH emphasizes sustainability by adopting a circular model that addresses the environmental impact of furniture consumption.
Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.
MODIFI GmbH, founded in 2018 and based in Berlin, Germany, operates an online platform designed to facilitate global trade financing for small and medium-sized enterprises (SMEs). By providing access to digital trade financing, MODIFI aims to empower these businesses to engage in international trade, which is essential for their growth and development. The platform offers a streamlined financing process that reduces paperwork and ensures quick access to funds, allowing SMEs to enhance their liquidity and build robust international partnerships. MODIFI's commitment to transparency and flexibility in trade finance helps SMEs navigate the complexities of global commerce and fosters local economic development.
Anyfin AB, founded in 2017 and based in Stockholm, Sweden, offers a service that allows users to refinance their existing loans by simply taking a photo of their loan statements. By leveraging artificial intelligence and consumer data, the company aims to help individuals save money on private loans and avoid high interest rates and compound interest. Users can easily initiate the refinancing process by submitting a picture of their latest loan invoice through the company’s website or via messaging platforms. Although currently available only in Sweden, Anyfin has ambitions to expand its services across Europe, providing a more comprehensive assessment of borrowers’ financial situations than traditional credit scores. This innovative approach seeks to make refinancing and consolidating loans more accessible and cost-effective for consumers.
Zen Finance is a fintech company based in Sao Paulo, Brazil, founded in 2018. It offers a unique fintech-as-a-service platform, designed to enhance the financial relationships between individuals and businesses. By providing customized design and operation of financial products, Zen Finance aims to create value for its partners, which include notable companies such as Uber, iFood, and Dafiti. The company's services focus on facilitating access to affordable credit by leveraging technology and risk management systems, thereby enabling small and medium-sized enterprises to secure loans with lower interest rates and reduced bureaucratic hurdles. Through its innovative approach, Zen Finance seeks to establish financial connections that empower users and streamline their financial experiences.
TheGuarantors is a FinTech company that specializes in providing risk and financial solutions tailored for the real estate sector. By leveraging data and expertise in real estate, risk, and finance, TheGuarantors streamlines the leasing process, benefiting landlords, leasing staff, brokers, renters, and tenants. The company's platform offers a rental coverage solution that allows tenants to replace traditional security deposits with a small annual fee, thereby freeing up capital and making renting more affordable. Simultaneously, it provides landlords with necessary protection against potential risks. TheGuarantors also addresses specific market needs through offerings like Guaranti for multifamily properties and Securiti for office spaces, enhancing overall efficiency in the leasing process. The company's innovative approach has garnered recognition, including a spot on CNBC's 2018 Upstart 100 list of promising startups.
CREDITOO TECNOLOGIA, SOLUÇÕES FINANCEIRAS E SERVIÇOS LTDA develops a platform which provides private payroll loan solutions. It helps employees who do not have access to payroll loans or have bureaucratic access with high-interest rates, enabling companies to offer their employees a simple and fast mode of credit. The company was founded in 2016 and is based in Sao Paulo, Brazil. As of August 1, 2019, CREDITOO TECNOLOGIA, SOLUÇÕES FINANCEIRAS E SERVIÇOS LTDA operates as a subsidiary of Creditas Soluções Financeiras Ltda.
MODIFI GmbH, founded in 2018 and based in Berlin, Germany, operates an online platform designed to facilitate global trade financing for small and medium-sized enterprises (SMEs). By providing access to digital trade financing, MODIFI aims to empower these businesses to engage in international trade, which is essential for their growth and development. The platform offers a streamlined financing process that reduces paperwork and ensures quick access to funds, allowing SMEs to enhance their liquidity and build robust international partnerships. MODIFI's commitment to transparency and flexibility in trade finance helps SMEs navigate the complexities of global commerce and fosters local economic development.
Zen Finance is a fintech company based in Sao Paulo, Brazil, founded in 2018. It offers a unique fintech-as-a-service platform, designed to enhance the financial relationships between individuals and businesses. By providing customized design and operation of financial products, Zen Finance aims to create value for its partners, which include notable companies such as Uber, iFood, and Dafiti. The company's services focus on facilitating access to affordable credit by leveraging technology and risk management systems, thereby enabling small and medium-sized enterprises to secure loans with lower interest rates and reduced bureaucratic hurdles. Through its innovative approach, Zen Finance seeks to establish financial connections that empower users and streamline their financial experiences.
QuadPay is a prominent US-based installment payment platform that offers consumers a straightforward and responsible alternative to traditional credit. The service allows customers to make purchases by splitting the total amount into four interest-free payments over six weeks. This approach enables millions of users to shop online and in-store without incurring interest, enhancing their purchasing flexibility. QuadPay's innovative platform integrates seamlessly with a wide range of merchants, including many leading global retailers, thereby facilitating an enhanced shopping experience. By transforming the payment process, QuadPay not only supports consumer financial well-being but also aids retailers in expanding their business reach.
Anyfin AB, founded in 2017 and based in Stockholm, Sweden, offers a service that allows users to refinance their existing loans by simply taking a photo of their loan statements. By leveraging artificial intelligence and consumer data, the company aims to help individuals save money on private loans and avoid high interest rates and compound interest. Users can easily initiate the refinancing process by submitting a picture of their latest loan invoice through the company’s website or via messaging platforms. Although currently available only in Sweden, Anyfin has ambitions to expand its services across Europe, providing a more comprehensive assessment of borrowers’ financial situations than traditional credit scores. This innovative approach seeks to make refinancing and consolidating loans more accessible and cost-effective for consumers.
Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.
TheGuarantors is a FinTech company that specializes in providing risk and financial solutions tailored for the real estate sector. By leveraging data and expertise in real estate, risk, and finance, TheGuarantors streamlines the leasing process, benefiting landlords, leasing staff, brokers, renters, and tenants. The company's platform offers a rental coverage solution that allows tenants to replace traditional security deposits with a small annual fee, thereby freeing up capital and making renting more affordable. Simultaneously, it provides landlords with necessary protection against potential risks. TheGuarantors also addresses specific market needs through offerings like Guaranti for multifamily properties and Securiti for office spaces, enhancing overall efficiency in the leasing process. The company's innovative approach has garnered recognition, including a spot on CNBC's 2018 Upstart 100 list of promising startups.
Anyfin AB, founded in 2017 and based in Stockholm, Sweden, offers a service that allows users to refinance their existing loans by simply taking a photo of their loan statements. By leveraging artificial intelligence and consumer data, the company aims to help individuals save money on private loans and avoid high interest rates and compound interest. Users can easily initiate the refinancing process by submitting a picture of their latest loan invoice through the company’s website or via messaging platforms. Although currently available only in Sweden, Anyfin has ambitions to expand its services across Europe, providing a more comprehensive assessment of borrowers’ financial situations than traditional credit scores. This innovative approach seeks to make refinancing and consolidating loans more accessible and cost-effective for consumers.
BXblue is a digital marketplace for personal loans in Brazil, focusing on pensioners and government workers who can secure loans against their guaranteed income. This model allows banks to deduct payments directly from paychecks, resulting in interest rates significantly lower than those of conventional credit cards. Payroll-secured loans are the most affordable personal loan option in Brazil, comprising 60% of the country's personal loan market, which is valued at approximately $40 billion annually and has historically operated offline. BXblue aims to transition this entire market online by providing a platform that simplifies the loan contracting process. The platform enables users to access multiple bank offers, receive alerts on falling interest rates for refinancing, and stay informed about important account updates, allowing borrowers to choose their preferred bank for loan services.
Proportunity Limited is a technology-driven mortgage lender based in London, United Kingdom, specializing in providing innovative financing solutions for first-time home buyers. Founded in 2016 by Vadim Toader and Stefan Boronea, the company leverages artificial intelligence and machine learning to analyze real estate data, accurately forecasting house prices and identifying high-growth areas. By offering equity and mortgage loans, Proportunity aims to assist buyers in overcoming the challenges of deposit requirements, allowing them to purchase homes in promising locations while potentially paying less than their current rent. Through its data-driven insights, Proportunity empowers customers to make informed decisions in the real estate market.
Rapidoo Serviços de Tecnologia LTDA is a Brazilian company established in 2016 and headquartered in São Paulo. It specializes in providing financing services for small and medium-sized enterprises through an online invoice factoring platform. This platform allows businesses to anticipate payments on invoices issued in installments, facilitating access to working capital by depositing funds for discounted bills. Rapidoo aims to offer a practical, transparent, and competitively priced alternative in a market characterized by inefficiencies and high interest rates. As of July 2020, Rapidoo operates as a subsidiary of One7.
Innolend GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing financing solutions for small and medium enterprises (SMEs) through its online platform. The company focuses on optimizing cash flow for businesses by offering loans ranging from 5,000 to 250,000 euros. Innolend’s services facilitate quick and transparent access to financing, helping SMEs manage outstanding invoices and bridge financial gaps effectively. The platform emphasizes ease of use, confidentiality, and efficiency in delivering financial support to its clients.
Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.
Loot Financial Services Ltd., based in London, provides innovative financial solutions through its current account and contactless Mastercard services. Established in 2014, the company offers a digital application that simplifies money management by combining a prepaid debit card with budgeting tools. Users benefit from features such as real-time spending tracking and the ability to set weekly budgets, allowing them to manage their finances effectively without the need for manual entry of expenses. Loot is focused on enhancing user experience by offering insights into spending patterns and enabling users to pause and unpause their cards as needed.
Sonovate Limited is a financial services provider specializing in the recruitment industry in the United Kingdom. Founded in 2011 and based in London, the company caters to a diverse clientele, including start-up recruitment agencies and established firms seeking to place contractors. Sonovate offers a comprehensive suite of services that includes financing, contract administration, and back-office support, all facilitated through its cloud-based placement management application. This platform streamlines various operational tasks such as credit control, invoicing, payments, compliance, and timesheet management, allowing businesses to efficiently manage their freelance workforce. By providing both funding and administrative support, Sonovate aims to simplify the contractor payment process and offer greater flexibility to its clients.
Innolend GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing financing solutions for small and medium enterprises (SMEs) through its online platform. The company focuses on optimizing cash flow for businesses by offering loans ranging from 5,000 to 250,000 euros. Innolend’s services facilitate quick and transparent access to financing, helping SMEs manage outstanding invoices and bridge financial gaps effectively. The platform emphasizes ease of use, confidentiality, and efficiency in delivering financial support to its clients.
Iwoca provides small business credit finance services in the United Kingdom. It offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities. It serves retailers, restaurants, hotels, service providers, and more.
Christoph Rieche and James Dear founded iwoca on October 1, 2011. iwoca's headquarters is located in London in the United Kingdom.
Loot Financial Services Ltd., based in London, provides innovative financial solutions through its current account and contactless Mastercard services. Established in 2014, the company offers a digital application that simplifies money management by combining a prepaid debit card with budgeting tools. Users benefit from features such as real-time spending tracking and the ability to set weekly budgets, allowing them to manage their finances effectively without the need for manual entry of expenses. Loot is focused on enhancing user experience by offering insights into spending patterns and enabling users to pause and unpause their cards as needed.
Bondora is a peer-to-peer lending platform that connects investors and borrowers, focusing on providing financial services in Europe. Founded over a decade ago during the global financial crisis, the company aims to simplify access to investing and personal loans. Bondora has served over 120,000 customers, facilitating more than €40 million in interest earnings for its investors. The platform enables users to enhance their financial situations by offering non-bank personal loans, thereby promoting fair finance and addressing the need for accessible financial solutions.
Iwoca provides small business credit finance services in the United Kingdom. It offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities. It serves retailers, restaurants, hotels, service providers, and more.
Christoph Rieche and James Dear founded iwoca on October 1, 2011. iwoca's headquarters is located in London in the United Kingdom.
Monedo Holding GmbH specializes in providing credit lending solutions through advanced technology, particularly focusing on the underbanked population. The company employs machine-learning algorithms and big data scoring to enhance credit decision-making and accessibility. Its product lineup includes customized installment loans, microloans through Kredito24, a digital wallet, and a personal finance manager aimed at helping customers manage their finances effectively. Additionally, Monedo offers a "Lending as a Service" model, enabling partners to integrate its credit products via API into their platforms. Founded in 2012 and headquartered in Hamburg, Germany, Monedo operates across multiple markets, including Poland, Romania, Russia, Spain, and Thailand, processing over four million loan applications to date. The company is led by CEO and Co-Founder Alexander Graubner-Müller and is supported by prominent investors.
BORRO is an online lending company founded in 2008, with its headquarters in Denver, Colorado, and additional offices in London and New York. The firm specializes in providing credit solutions secured by luxury assets, including fine art, classic cars, jewelry, watches, and collectibles. By leveraging in-house valuation expertise, BORRO offers discreet loans that allow clients to access capital quickly without relying on traditional banking methods. Operating as a subsidiary of Luxury Asset Capital LLC, BORRO serves customers primarily in the United Kingdom and the United States, positioning itself as a provider of non-bank financing options for individuals seeking immediate liquidity.