MPOWER Financing is a Public Benefit Corporation based in Washington, D.C., that provides educational loans to international and DACA students studying in the United States and Canada. Founded in 2014, the company offers loans ranging from $2,001 to $50,000, which can be used for various student-related expenses, including tuition, housing, and books. Notably, MPOWER does not require a co-signer, collateral, or a U.S. credit history, utilizing a proprietary credit algorithm that assesses future potential instead. Loans are structured as 10-year fixed-rate agreements, with repayments beginning six months after graduation. The company also offers additional support services, such as interest discounts, personal finance education courses, credit-building resources, and job placement assistance. By partnering with universities, MPOWER identifies potential loan candidates and directly disburses funds to educational institutions for tuition and related expenses.
Raisin is a Berlin-based online financial marketplace established in 2012 that connects retail customers with banks throughout Europe, facilitating access to competitive deposit rates. The platform offers a variety of savings and investment products, including overnight flexible savings and long-term deposits, allowing users to choose from exclusive offerings by various financial institutions. By streamlining the investment process, Raisin enables individuals and businesses to manage their investments efficiently through a single interface. The primary objective of Raisin is to help savers find the best interest rates while expanding the deposit reach for partner banks.
MotoRefi, Inc. operates an automotive refinance platform designed to help customers save on their car loans. By partnering with various local and community lenders, the company offers competitive loan rates and aims to reduce monthly payments, with customers typically saving an average of $100 each month. MotoRefi's secure digital platform allows users to assess potential savings and complete the refinancing process easily from home. The company handles all aspects of the transaction, including paying off the previous lender and retitling the vehicle, eliminating the need for customers to visit the DMV. Founded in 2016, MotoRefi is headquartered in Arlington, Virginia.
Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.
Starling Bank Limited is a digital-only bank headquartered in London, United Kingdom, founded in 2014 by Anne Boden. Originally known as Starling FS Limited, the institution rebranded in July 2016. Starling Bank specializes in providing personal and business banking services through its mobile banking application, which allows users to manage their finances efficiently. The platform offers features such as real-time spending intelligence, the ability to send money to friends, and tools for collaborative savings. Customers can conduct transactions in a paperless and branchless manner, ensuring a streamlined and personalized banking experience.
Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.
Ramp is a technology company based in New York that specializes in corporate credit cards and spending management solutions for businesses and startups. Founded in 2019, Ramp's corporate card offers tools for tracking expenses and gaining insights, alongside cashback rewards for purchases made at various retailers. The company aims to streamline corporate spending by providing higher card limits, automated expense management, and seamless integration with accounting systems. Ramp was founded by the team behind Paribus, known for facilitating automated savings on online purchases. Additionally, Ramp Holdings, an entity with a longer history, focuses on video management and delivery solutions, enabling organizations to optimize video content through advanced search, delivery, and monetization capabilities. Originally established in 1948 and based in Boston, this subsidiary of Raytheon BBN Technologies utilizes innovative technologies such as speech-to-text and natural language processing to enhance video experiences across numerous industries.
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.
Raisin is a Berlin-based online financial marketplace established in 2012 that connects retail customers with banks throughout Europe, facilitating access to competitive deposit rates. The platform offers a variety of savings and investment products, including overnight flexible savings and long-term deposits, allowing users to choose from exclusive offerings by various financial institutions. By streamlining the investment process, Raisin enables individuals and businesses to manage their investments efficiently through a single interface. The primary objective of Raisin is to help savers find the best interest rates while expanding the deposit reach for partner banks.
Addi is a technology company that provides credit and banking solutions. Addi is headquartered in Bogota, Colombia.
PeopleFund is Korea’s leading tech-based financial platform that is opening doors to financial freedom through affordable loans and attractive alternative investment products. It is the fastest growing marketplace lender in Korea and uniquely positioned as the first and only Korean marketplace lending platform to fully integrate with a top-tier commercial bank to process personal and business loans that are government approved. PeopleFund is also the first fintech platform to offer investment products directly on KakaoTalk, Korea’s most popular messaging app, which has allowed the company to grow and scale up its business. PeopleFund was founded in 2015 and is headquartered in Seoul, Korea.
Operator of fintech company focused on the lending platform to access private credit. The company offers loan proof, installment proof, personal lending and access to credit, enabling users to carry out their transactions easily without any hidden costs.
Zilch Technology Limited is a London-based company that specializes in a buy now, pay later platform. Founded in 2018, Zilch offers a six-week payment process that allows consumers to make purchases without incurring interest charges. The platform is designed to facilitate automated payments and includes options for refunds. Zilch aims to engage dormant customer bases and transform potential buyers into actual purchasers, enhancing the overall shopping experience.
Timelio is a peer-to-peer technology platform that makes it easier for businesses to access invoice finance, via an online marketplace. The purpose of Timelio is to help growing businesses in Australia access fast, flexible and lower cost finance. Timelio matches businesses that have invoices to sell with investors. Investors are based globally and range from high net worth individuals to family offices, hedge funds, self-managed superannuation funds and finance professionals.
Zilch Technology Limited is a London-based company that specializes in a buy now, pay later platform. Founded in 2018, Zilch offers a six-week payment process that allows consumers to make purchases without incurring interest charges. The platform is designed to facilitate automated payments and includes options for refunds. Zilch aims to engage dormant customer bases and transform potential buyers into actual purchasers, enhancing the overall shopping experience.
Younited SA is a financial technology company that operates an online platform designed to connect individual lenders with borrowers, facilitating financial transactions without the need for traditional financial intermediaries. Founded in 2009 and headquartered in Paris, France, Younited aims to provide credit with full transparency, allowing borrowers to share their testimonials and experiences. The company, previously known as PRET d'UNION S.A. until its rebranding in March 2016, focuses on creating a streamlined and direct lending experience for its users.
Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.
Lendbuzz, Inc. is a car financing platform based in Boston, Massachusetts, established in 2015. It specializes in providing car loans to individuals with limited U.S. credit history, including international students, expats, and foreign professionals. The company utilizes machine learning algorithms and data-intensive scoring technology to assess creditworthiness based on factors such as employment, education, and personal history, rather than traditional credit scores or the requirement of a Social Security Number. This innovative approach allows Lendbuzz to offer attractive loan terms to customers who are often overlooked by conventional lenders. Once approved, clients can purchase vehicles from any dealership and work toward building their U.S. credit history while managing their loans through an online platform.
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.
MotoRefi, Inc. operates an automotive refinance platform designed to help customers save on their car loans. By partnering with various local and community lenders, the company offers competitive loan rates and aims to reduce monthly payments, with customers typically saving an average of $100 each month. MotoRefi's secure digital platform allows users to assess potential savings and complete the refinancing process easily from home. The company handles all aspects of the transaction, including paying off the previous lender and retitling the vehicle, eliminating the need for customers to visit the DMV. Founded in 2016, MotoRefi is headquartered in Arlington, Virginia.
Amount, Inc. is a technology company focused on developing mobile banking solutions for financial institutions. Established in 2018 and headquartered in Chicago, Illinois, Amount offers a comprehensive suite of products designed to enhance digital credit offerings. Its flagship product, Amount 360, is a cloud-based platform that provides an integrated approach to lending, including credit decisioning, fraud prevention, and account verification. The company's solutions cater to various financial needs such as personal loans, credit cards, and deposit accounts. Amount's technology enables partners to transition to digital operations efficiently, with the capability to optimize performance across multiple product categories. Serving clients that manage nearly $1 trillion in assets and serve over 25 million customers in the United States, Amount plays a significant role in the evolution of the digital banking landscape.
Starling Bank Limited is a digital-only bank headquartered in London, United Kingdom, founded in 2014 by Anne Boden. Originally known as Starling FS Limited, the institution rebranded in July 2016. Starling Bank specializes in providing personal and business banking services through its mobile banking application, which allows users to manage their finances efficiently. The platform offers features such as real-time spending intelligence, the ability to send money to friends, and tools for collaborative savings. Customers can conduct transactions in a paperless and branchless manner, ensuring a streamlined and personalized banking experience.
Ramp is a technology company based in New York that specializes in corporate credit cards and spending management solutions for businesses and startups. Founded in 2019, Ramp's corporate card offers tools for tracking expenses and gaining insights, alongside cashback rewards for purchases made at various retailers. The company aims to streamline corporate spending by providing higher card limits, automated expense management, and seamless integration with accounting systems. Ramp was founded by the team behind Paribus, known for facilitating automated savings on online purchases. Additionally, Ramp Holdings, an entity with a longer history, focuses on video management and delivery solutions, enabling organizations to optimize video content through advanced search, delivery, and monetization capabilities. Originally established in 1948 and based in Boston, this subsidiary of Raytheon BBN Technologies utilizes innovative technologies such as speech-to-text and natural language processing to enhance video experiences across numerous industries.
Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.
Ramp is a technology company based in New York that specializes in corporate credit cards and spending management solutions for businesses and startups. Founded in 2019, Ramp's corporate card offers tools for tracking expenses and gaining insights, alongside cashback rewards for purchases made at various retailers. The company aims to streamline corporate spending by providing higher card limits, automated expense management, and seamless integration with accounting systems. Ramp was founded by the team behind Paribus, known for facilitating automated savings on online purchases. Additionally, Ramp Holdings, an entity with a longer history, focuses on video management and delivery solutions, enabling organizations to optimize video content through advanced search, delivery, and monetization capabilities. Originally established in 1948 and based in Boston, this subsidiary of Raytheon BBN Technologies utilizes innovative technologies such as speech-to-text and natural language processing to enhance video experiences across numerous industries.
HQLAᵡ is a financial technology innovation firm that leverages R3’s distributed ledger technology, Corda, to provide liquidity management and collateral management solutions for institutional clients in the global securities financing markets. HQLAᵡ and Deutsche Börse Group formed a strategic partnership for the creation of a joint operating model that provides market participants with improved collateral mobility across a fragmented securities settlement eco-system.
Paidy Inc. is a Tokyo-based company that offers a cardless payment platform designed for online shopping. Founded in 2008 and rebranded in 2018, Paidy allows consumers to make purchases using only their name and email address, eliminating the need for credit cards or pre-registration. The service is optimized for mobile and instant-checkout, facilitating a seamless shopping experience. Users can consolidate their purchases into a single monthly bill, enhancing convenience. Paidy employs proprietary technology to assess creditworthiness and underwrite transactions, providing merchants with guaranteed payments. This approach caters to Japanese consumers who prefer not to use credit cards, helping online vendors improve conversion rates, increase average order values, and encourage repeat purchases.
Funding University, Inc. is a merit-based student lender that provides fixed interest rate loans to undergraduate students in the United States. Founded in 2015 and headquartered in Atlanta, Georgia, the company offers an alternative to traditional FICO and co-signer-based loan models. By assessing students' academic performance, career trajectories, and earning potential, Funding U enables students to secure loans without the need for a co-signer. This approach not only facilitates access to funding but also aims to reduce the likelihood of students dropping out of college due to financial constraints.
General Motors - Credit Card Business is a provider of financial and credit card services. The company is based in Detroit, Michigan, and it was recently acquired by Goldman Sachs.
Lendbuzz, Inc. is a car financing platform based in Boston, Massachusetts, established in 2015. It specializes in providing car loans to individuals with limited U.S. credit history, including international students, expats, and foreign professionals. The company utilizes machine learning algorithms and data-intensive scoring technology to assess creditworthiness based on factors such as employment, education, and personal history, rather than traditional credit scores or the requirement of a Social Security Number. This innovative approach allows Lendbuzz to offer attractive loan terms to customers who are often overlooked by conventional lenders. Once approved, clients can purchase vehicles from any dealership and work toward building their U.S. credit history while managing their loans through an online platform.
Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.
Moneythink is an American ed-tech non-profit organization tackling America’s 1.6 trillion dollar student debt problem, harnessing the power of people and technology to bring transparency to college costs. The organization ensures all students are equipped to invest in their futures, keeping students on track by minimizing financial complexity and risk while maximizing potential and minimizing stress. As a leader in youth-focused financial wellness, Moneythink has served over 32,000 students since 2008. Moneythink is creating a public-facing, no-cost Award Comparison Tool that helps low-income and 1st-gen students to plan for, cover, and manages all of their college costs through a healthy mix of aid, savings, loans, and work.
ZestMoney is a consumer lending FinTech company based in India that offers digital equated monthly installments (EMIs) without requiring a credit card or a credit score. Founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman, the company aims to make EMI payments accessible to a broader audience. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney has reached millions of consumers across India. The company is supported by prominent global investors in digital financial services, including PayU, Ribbit Capital, and Omidyar Networks.
ZestMoney is a consumer lending FinTech company based in India that offers digital equated monthly installments (EMIs) without requiring a credit card or a credit score. Founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman, the company aims to make EMI payments accessible to a broader audience. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney has reached millions of consumers across India. The company is supported by prominent global investors in digital financial services, including PayU, Ribbit Capital, and Omidyar Networks.
Moneythink is an American ed-tech non-profit organization tackling America’s 1.6 trillion dollar student debt problem, harnessing the power of people and technology to bring transparency to college costs. The organization ensures all students are equipped to invest in their futures, keeping students on track by minimizing financial complexity and risk while maximizing potential and minimizing stress. As a leader in youth-focused financial wellness, Moneythink has served over 32,000 students since 2008. Moneythink is creating a public-facing, no-cost Award Comparison Tool that helps low-income and 1st-gen students to plan for, cover, and manages all of their college costs through a healthy mix of aid, savings, loans, and work.
Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.
Paidy Inc. is a Tokyo-based company that offers a cardless payment platform designed for online shopping. Founded in 2008 and rebranded in 2018, Paidy allows consumers to make purchases using only their name and email address, eliminating the need for credit cards or pre-registration. The service is optimized for mobile and instant-checkout, facilitating a seamless shopping experience. Users can consolidate their purchases into a single monthly bill, enhancing convenience. Paidy employs proprietary technology to assess creditworthiness and underwrite transactions, providing merchants with guaranteed payments. This approach caters to Japanese consumers who prefer not to use credit cards, helping online vendors improve conversion rates, increase average order values, and encourage repeat purchases.
CredFIC provides enterprise financial analytics tools primarily for family offices, investment funds, and asset administrators. The company is structured into two main segments: Software as a Service (SaaS) and Consulting as a Service (CaaS). Its offerings include financial analysis and insight consulting tailored for high-net-worth individuals (HNWIs) and ultra-high-net-worth individuals (UHNWIs), as well as enterprise-grade investment analytics and opportunity prospecting aimed at business-to-business clients, which include family offices and small investment funds. Additionally, CredFIC engages with academic institutions in India to support capacity building initiatives.
Mission Lane LLC specializes in providing credit card services to subprime consumers, aiming to facilitate access to responsible credit on transparent terms. Founded in 2018 and headquartered in Atlanta, Georgia, the company utilizes advanced technology, data analytics, and machine learning to enhance the customer experience. Mission Lane offers digital self-service tools that empower customers to manage their accounts effectively and work towards improving their credit scores. The company is dedicated to creating fair and clear credit solutions, ensuring that its terms are straightforward and accessible compared to other options in the market. By focusing on customer success, Mission Lane fosters a mutually beneficial relationship where both the company and its clients thrive together.
Konfio is a financial technology company based in Mexico City that focuses on providing online financial solutions for micro entrepreneurs and small to mid-size enterprises. Founded in 2013, Konfio offers a range of products including fixed-rate loans, working capital loans, corporate credit cards, and online payment solutions. The company utilizes a proprietary algorithm that combines data and technology to assess creditworthiness, enabling it to extend credit to clients who have been historically underserved by traditional banks. Additionally, Konfio provides business productivity software tools and a loyalty program, all designed to enhance the growth and productivity of its clients. Through its innovative approach, Konfio aims to facilitate economic growth by making financial services more accessible and affordable.
Founded in 2015, Even Financial is an NYC based fintech company focused on evolving how financial institutions connect with consumers and provide them the best product recommendations at the right moment, facilitating an on-demand and personalized customer acquisition experience across the entire financial services ecosystem. The Even platform serves as a trusted intermediary for financial institutions - including Prosper, Lending Club, and Marcus by Goldman Sachs - that helps find consumers and distribute their products digitally. Even’s industry-leading search, comparison, and recommendation API is an infrastructure layer that enables hundreds of diverse partners - including Credit.com, Transunion, Money Under 30, Credit Sesame, and The Penny Hoarder - to power comprehensive personal finance websites, mobile apps, and other offerings with a modern platform that is proven to accelerate customer acquisition through optimal product recommendations, lowering cost of acquisition and maximizing monetization. Even Financial is based in New York.
MPOWER Financing is a Public Benefit Corporation based in Washington, D.C., that provides educational loans to international and DACA students studying in the United States and Canada. Founded in 2014, the company offers loans ranging from $2,001 to $50,000, which can be used for various student-related expenses, including tuition, housing, and books. Notably, MPOWER does not require a co-signer, collateral, or a U.S. credit history, utilizing a proprietary credit algorithm that assesses future potential instead. Loans are structured as 10-year fixed-rate agreements, with repayments beginning six months after graduation. The company also offers additional support services, such as interest discounts, personal finance education courses, credit-building resources, and job placement assistance. By partnering with universities, MPOWER identifies potential loan candidates and directly disburses funds to educational institutions for tuition and related expenses.
Moneythink is an American ed-tech non-profit organization tackling America’s 1.6 trillion dollar student debt problem, harnessing the power of people and technology to bring transparency to college costs. The organization ensures all students are equipped to invest in their futures, keeping students on track by minimizing financial complexity and risk while maximizing potential and minimizing stress. As a leader in youth-focused financial wellness, Moneythink has served over 32,000 students since 2008. Moneythink is creating a public-facing, no-cost Award Comparison Tool that helps low-income and 1st-gen students to plan for, cover, and manages all of their college costs through a healthy mix of aid, savings, loans, and work.
Raisin is a Berlin-based online financial marketplace established in 2012 that connects retail customers with banks throughout Europe, facilitating access to competitive deposit rates. The platform offers a variety of savings and investment products, including overnight flexible savings and long-term deposits, allowing users to choose from exclusive offerings by various financial institutions. By streamlining the investment process, Raisin enables individuals and businesses to manage their investments efficiently through a single interface. The primary objective of Raisin is to help savers find the best interest rates while expanding the deposit reach for partner banks.
Liqui.do is a B2B platform on a mission to help SMEs to become more competitive by accessing quality equipment that never becomes waste. Liqui.do is a fully automated platform, Small businesses can apply online and get a decision in seconds. No documentation is required, the underwriting process is fully automated, if eligible customers are funded in minutes.
Judo Bank Pty. Ltd., founded in 2016 and based in Southbank, Australia, specializes in providing lending services to small and medium enterprises (SMEs). The bank offers a range of financial products, including business loans, lines of credit, equipment loans, and finance leases. Recognizing the significant role that SMEs play in the Australian economy, Judo Bank aims to address the financial needs of these businesses by offering personalized banking solutions. Customers benefit from direct interactions with empowered decision-makers, ensuring that each application is evaluated based on its unique circumstances rather than standardized metrics. This relationship-focused approach allows Judo Bank to tailor its services to meet the specific needs of its clients, fostering a supportive environment for the growth and success of small to medium-sized businesses.
Credijusto provides an online lending platform designed to offer easy, reliable, and transparent credit for SMEs. Its platform offers credit models that are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history, enabling small businesses to obtain accessible credits in a fraction of the time and effort and grow their business. The company's credit models are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history. The company was founded in 2015 and is based in Mexico City.
Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.
Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.
Climb Credit, Inc. is a student lending platform founded in 2014 and based in New York City. The company specializes in providing educational loans to U.S. citizens and permanent residents, focusing on accessibility, affordability, and accountability in career development. Climb partners with a variety of educational institutions that offer programs aimed at enhancing graduates' earning potential, including fields such as cybersecurity, data science, culinary arts, and aviation. By identifying schools with a proven track record of improving student outcomes, Climb offers tailored financing options designed to meet the specific needs of individuals seeking to advance their careers, regardless of their credit history. This approach ensures that students have the resources necessary to pursue their career ambitions and successfully navigate an evolving job market.
Capify is a financial services provider that specializes in offering business loans to small and medium-sized enterprises (SMEs) in the United Kingdom. Utilizing a proprietary online technology platform, Capify aims to simplify the lending process and disrupt traditional business loan models. The company provides loans of up to £50,000, with repayment terms tailored to align with the business's average turnover and cash flow. In addition to business loans, Capify offers various financial products, including merchant cash advances, working capital funding, and equipment financing, helping clients sustain and grow their operations. Qualified applicants can expect to receive funds directly in their business bank accounts within days, facilitating quick access to necessary capital.
Sixup PBC, Inc. is a for-profit technology company based in San Francisco that operates an online lending platform aimed at supporting high-achieving, low-income students in obtaining financing for their college education. Founded in 2014, Sixup provides responsible and affordable loans with minimal paperwork, facilitating access to funds for students who are often underserved and underfunded. The company employs a systems-based approach to aggregate, underwrite, and fund loans, creating a new asset class referred to as Future-Prime, which encompasses millions of students and represents significant annual financing volume. Sixup has raised substantial equity and lending capital from various investors, allowing it to operate as a consumer lender across 18 states. The company collaborates with numerous community-based organizations and advocacy groups to enhance its impact on the educational landscape.
Shanghai Lujiazui International Financial Asset Exchange (“Lufax”) is an online marketplace for the origination and trading of financial assets. Lufax was incorporated in September, 2011 in Shanghai with the support of Shanghai’s Municipal Government, and has grown into China’s largest internet finance company in less than four years. The company is an associate of China Ping An Group, the largest and most innovative non-SOE financial institution in China. Lufax’s number of registered users surpassed 7 million by February 2015, while the volume of online transactions grew more than 8 times year-on-year. Close to 50% of Lufax transactions are now handled via mobile. As a constant innovator and pioneer in the internet finance industry, Lufax has developed China’s most open, safe and convenient investment and financing platform. Investors come to Lufax for its broad product offering, diverse liquidity avenues and superior user experience. Asset owners look to Lufax to help them structure, price and place complex assets to investors in a credible and transparent manner. Lufax takes full advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems. Combined with its value proposition to customers, Lufax has a competitive edge which it believes cannot be replicated.
Shanghai Lujiazui International Financial Asset Exchange (“Lufax”) is an online marketplace for the origination and trading of financial assets. Lufax was incorporated in September, 2011 in Shanghai with the support of Shanghai’s Municipal Government, and has grown into China’s largest internet finance company in less than four years. The company is an associate of China Ping An Group, the largest and most innovative non-SOE financial institution in China. Lufax’s number of registered users surpassed 7 million by February 2015, while the volume of online transactions grew more than 8 times year-on-year. Close to 50% of Lufax transactions are now handled via mobile. As a constant innovator and pioneer in the internet finance industry, Lufax has developed China’s most open, safe and convenient investment and financing platform. Investors come to Lufax for its broad product offering, diverse liquidity avenues and superior user experience. Asset owners look to Lufax to help them structure, price and place complex assets to investors in a credible and transparent manner. Lufax takes full advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems. Combined with its value proposition to customers, Lufax has a competitive edge which it believes cannot be replicated.
Prodigy Finance Limited operates an online platform that facilitates education loans for international postgraduate and MBA students, enabling access to higher education that may otherwise be financially unattainable. Founded in 2006 and headquartered in London, the platform connects student borrowers with a community of lenders, which includes alumni, institutional investors, qualified private investors, and banks. These lenders collectively fund the loans, offering financial and social returns on their investments. The company utilizes localized lending templates and historical earnings data to assess cross-border risk, allowing it to serve students from over 150 nationalities. Through this innovative approach, Prodigy Finance aims to bridge the funding gap for aspiring international students.
Founded in 2015, Even Financial is an NYC based fintech company focused on evolving how financial institutions connect with consumers and provide them the best product recommendations at the right moment, facilitating an on-demand and personalized customer acquisition experience across the entire financial services ecosystem. The Even platform serves as a trusted intermediary for financial institutions - including Prosper, Lending Club, and Marcus by Goldman Sachs - that helps find consumers and distribute their products digitally. Even’s industry-leading search, comparison, and recommendation API is an infrastructure layer that enables hundreds of diverse partners - including Credit.com, Transunion, Money Under 30, Credit Sesame, and The Penny Hoarder - to power comprehensive personal finance websites, mobile apps, and other offerings with a modern platform that is proven to accelerate customer acquisition through optimal product recommendations, lowering cost of acquisition and maximizing monetization. Even Financial is based in New York.
Paidy Inc. is a Tokyo-based company that offers a cardless payment platform designed for online shopping. Founded in 2008 and rebranded in 2018, Paidy allows consumers to make purchases using only their name and email address, eliminating the need for credit cards or pre-registration. The service is optimized for mobile and instant-checkout, facilitating a seamless shopping experience. Users can consolidate their purchases into a single monthly bill, enhancing convenience. Paidy employs proprietary technology to assess creditworthiness and underwrite transactions, providing merchants with guaranteed payments. This approach caters to Japanese consumers who prefer not to use credit cards, helping online vendors improve conversion rates, increase average order values, and encourage repeat purchases.
Yirendai operates as the consumer finance division of CreditEase, a Chinese peer-to-peer lender. The company focuses on providing online financial services that cater to the needs of both individual borrowers and investors in China, addressing the significant demand in this market. By leveraging an automated platform, Yirendai efficiently connects borrowers with investors and facilitates loan transactions. In addition to its core lending services, Yirendai offers a range of financial and lifestyle solutions aimed at improving the financial well-being of its customers. The platform is designed to support clients at various stages of their financial journeys, ensuring that their consumption and production financing needs are met while enhancing their overall quality of life.
MFS, Inc. is a consumer lending company based in Tokyo, Japan, established in 2009. It specializes in providing online mortgage services, streamlining the process of obtaining home loans for consumers without the need to search for, apply for, or negotiate with traditional financial institutions. MFS has garnered significant media attention, being featured in prominent outlets such as NHK, Nihon Keizai Shimbun, and Yomiuri Shimbun, which highlights its innovative approach in the lending sector.
The interest rate derivatives platform.
Final, Inc. is a fintech company based in Oakland, California, founded in 2014. It focuses on enhancing consumer protection against fraud and theft through its innovative credit card and mobile application. The service allows users to generate multiple credit card numbers, including disposable ones for single-use purchases, thus providing a secure way to engage with various merchants. Users gain insights into their transactions and spending habits while minimizing the risks associated with account breaches and card cancellations. Final aims to empower consumers by offering greater control over their financial interactions, effectively reducing the potential for financial fraud. The company has received venture backing and participated in the Y Combinator accelerator program in 2015.
Financeit USA Inc. provides an online platform that allows businesses to offer consumer financing to their customers from various Web enabled devices. It also enables user to create and manage loans. The company was founded in 2011 and is based in New York, New York. Financeit USA Inc. operates as a subsidiary of Financeit Canada Inc.
Sixup PBC, Inc. is a for-profit technology company based in San Francisco that operates an online lending platform aimed at supporting high-achieving, low-income students in obtaining financing for their college education. Founded in 2014, Sixup provides responsible and affordable loans with minimal paperwork, facilitating access to funds for students who are often underserved and underfunded. The company employs a systems-based approach to aggregate, underwrite, and fund loans, creating a new asset class referred to as Future-Prime, which encompasses millions of students and represents significant annual financing volume. Sixup has raised substantial equity and lending capital from various investors, allowing it to operate as a consumer lender across 18 states. The company collaborates with numerous community-based organizations and advocacy groups to enhance its impact on the educational landscape.
Financeit USA Inc. provides an online platform that allows businesses to offer consumer financing to their customers from various Web enabled devices. It also enables user to create and manage loans. The company was founded in 2011 and is based in New York, New York. Financeit USA Inc. operates as a subsidiary of Financeit Canada Inc.
Genesis Capital focuses on providing responsive, flexible and reliable personal service to highly qualified and experienced real estate developers who buy, renovate, and sell single family residential real estate and/or multi-family apartment buildings
Bond Street is a startup focused on transforming small business lending through technology, data, and design. Small business owners are the foundation for growth in the economy, and yet today’s banking system has left them behind. It is building a better future where access to financing is simple, transparent, and fair. The company was founded in 2013 and is headquartered in New York, New York.
Neyber is a provider of employee benefit services focused on enhancing personal finance through a collaborative approach. By partnering with employers, Neyber enables employees to access affordable loans and financial education, delivered through an integrated platform that works with payroll systems. This service offers fair rates and realistic terms, allowing employees to borrow and save within their community. The aim is to improve financial well-being, reduce credit costs, and foster employee engagement and productivity by alleviating financial stress. Through its innovative solutions, Neyber seeks to change the landscape of borrowing and saving in the workplace.
Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.
Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.
Meilleurtaux is a Paris-based financial services provider specializing in advisory and brokerage services for individuals seeking real estate loans. The company focuses on mortgage loans, credit repurchase, borrower insurance, and consumer credit, operating both online and through a network of franchises. Meilleurtaux has established partnerships with various retail banks and insurers in France, enabling it to offer a comprehensive range of financial products. The company aims to enhance the user experience by providing online tools such as calculators, rate barometers, and simulation resources, assisting clients in making informed decisions regarding their financial services, particularly in the mortgage sector.
Fundation Group LLC is a digital credit lending platform based in Reston, Virginia, that connects financial institutions with small businesses to facilitate access to working and growth capital. Founded in 2011, the company partners with a variety of banks and B2B vendors to enhance the credit delivery process through technology and advanced analytics. Fundation offers a range of services, including outsourced lending, referral programs, and point-of-sale financing solutions. Its platform is designed to simplify the borrowing experience and streamline loan and deposit origination workflows for small and medium-sized businesses. By focusing on innovation, Fundation aims to empower its partners to better serve their small business clients, thereby strengthening the small business economy.
Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.
Future Finance is a non-government lender based in Dublin that specializes in providing student loans. Founded in 2014 by Brian Norton and Vishal Garg, the company aims to eliminate financial barriers to education, enabling students to focus on their studies and career aspirations regardless of their financial background. Future Finance offers straightforward loan facilities that cover tuition fees and living expenses for both undergraduate and postgraduate studies, ensuring a hassle-free financing experience for individuals pursuing higher education. The company's mission is to support students in fulfilling their potential by making education accessible and affordable.
OnDeck is a technology-driven financial platform that offers loan financing specifically tailored for small and medium-sized businesses. Founded in 2006 and headquartered in New York City, the company utilizes proprietary software to collect and analyze operational data from businesses, employing an algorithm to assess loan eligibility based on performance rather than solely on personal credit scores. This innovative approach facilitates efficient access to capital, addressing a significant challenge faced by small businesses. By focusing on actual business performance, OnDeck enables companies to concentrate on growth and customer service instead of the complexities of securing loans. The company expanded its services to Australia in 2015, further broadening its reach in providing responsible credit access.
Tinkoff Bank is a prominent online retail financial services provider in Russia, established in 2006 and headquartered in Moscow. It operates a branchless banking model, offering a diverse range of products including transactional and savings accounts, credit cards, consumer loans, personal insurance, and investment services. Tinkoff Bank also provides payment and money transfer services, alongside mortgage products and mobile banking solutions. With a strong focus on digital engagement, the bank serves its customers primarily through online channels and a call center, supported by approximately 2,500 representatives across the country. It aims to reach a broad customer base, including those in underserved regions, by leveraging cutting-edge technology to facilitate seamless banking experiences. Tinkoff Bank is a subsidiary of TCS Group Holding PLC and has garnered significant market presence in the credit card sector, with millions of cards issued and substantial assets under management.
Revolution Money is a financial services company focused on disrupting traditional credit card companies and digital payment platforms. It offers a unique credit card, the RevolutionCard, which utilizes PIN activation instead of signatures, enhancing security by allowing the card to be printed without personally identifiable information. This innovative approach aims to reduce identity theft and lower processing fees through an internet-based transaction system. Additionally, Revolution Money provides MoneyExchange, a service that enables users to transfer funds between one another, with the added benefit of accessing these funds via a debit/ATM card. Transfers between account holders are free, promoting seamless transactions. The company is partially owned by Revolution, LLC, an investment firm founded by Steve Case, and is supported by a board comprising notable figures from the financial industry.
Tinkoff Bank is a prominent online retail financial services provider in Russia, established in 2006 and headquartered in Moscow. It operates a branchless banking model, offering a diverse range of products including transactional and savings accounts, credit cards, consumer loans, personal insurance, and investment services. Tinkoff Bank also provides payment and money transfer services, alongside mortgage products and mobile banking solutions. With a strong focus on digital engagement, the bank serves its customers primarily through online channels and a call center, supported by approximately 2,500 representatives across the country. It aims to reach a broad customer base, including those in underserved regions, by leveraging cutting-edge technology to facilitate seamless banking experiences. Tinkoff Bank is a subsidiary of TCS Group Holding PLC and has garnered significant market presence in the credit card sector, with millions of cards issued and substantial assets under management.
Private Equity Round in 2000
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LoanTrader, an online marketplace that connects mortgage brokers with lenders,