FJ Labs

CredAluga is a B2B2C fintech company that offers innovative financial solutions for rental partnering with Real Estate Agencies in Brazil. CredAluga combines Technology, Credit and Real Estate expertise to offer innovative financial solutions that make rental seamless for tenants, safer for landlords and empower real estate agencies. With offices in São Paulo and Minas Gerais, CredAluga has local partners nationwide. Founded by experienced entrepreneurs with a strong track record in the real estate market, CredAluga is growing rapidly, with a mission-driven multidisciplinary team.

Digitt is a financial technology company that focuses on providing equitable financial tools to address the issues of predatory lending, particularly in the credit card sector. The company offers low-interest rates ranging from 20% to 42% per year, significantly lower than traditional bank rates. This enables customers to manage their debt more effectively, reducing the overall interest paid and facilitating quicker repayment. Digitt's products are designed to be transparent, giving users a clear understanding of their monthly payment obligations and timelines for becoming debt-free. By transforming the way individuals handle credit card debt, Digitt aims to empower users to regain control of their finances and achieve their financial goals.

Higlobe is an international payment platform for overseas freelancers, contractors, and independent workers with U.S. business clients. Higlobe offers zero transaction fees, with the goal of eliminating all transaction fees. Founded in 2020, Higlobe is headquartered in Palo Alto, California.

Ume is a credit platform capable of reaching competitive prices and creating an economic environment to make credit simple and democratic.

January is a developer of a data-driven financial platform that focuses on providing end-to-end resolution services for delinquent and charged-off consumer loans. The platform aims to build and enforce trust in consumer finance by addressing the challenges faced by borrowers in delinquency and default, such as harassment, hidden fees, and damaged credit scores. At the same time, it helps creditors recover lost funds while mitigating compliance and operational risks. By utilizing technology, January offers a streamlined and effective resolution process that caters to the unique financial situations and preferences of borrowers, ultimately fostering a more trustworthy relationship between borrowers and creditors.

Midas is a cryptocurrency application that enables users to buy, sell, and invest in various cryptocurrencies and tokens. Additionally, the company has developed a tokenization protocol platform aimed at converting real-world assets into tokenized formats. This platform allows for the issuance of permissionless tokens that are securely held in segregated accounts managed by institutional custodians. Midas emphasizes transparency in its operations, facilitating efficient settlement processes and enabling lending and borrowing activities on decentralized finance (DeFi) money markets.

Higlobe is an international payment platform for overseas freelancers, contractors, and independent workers with U.S. business clients. Higlobe offers zero transaction fees, with the goal of eliminating all transaction fees. Founded in 2020, Higlobe is headquartered in Palo Alto, California.

Upfront is a FinTech startup that provides financial advisory services for refinancing auto loans. It assists in finding competitive interest rates and monthly payments to refinance auto loans with reduced interest rates and flexible repayment options. The company was founded in 2021 and is headquartered in New York.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. The company offers a range of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing through an online platform. Xepelin aims to provide SMEs with economic freedom in their financial decisions by allowing clients to personalize services to meet their specific needs. With a team of over 500 employees, Xepelin leverages advanced financial indicators and risk assessments to streamline decision-making processes within the business ecosystem. The company is supported by notable investors, positioning it as a leader in the region's evolving financial landscape.

HomeOptions is a real estate brokerage and homeownership platform designed to connect customers with elite agents and service providers. The platform offers a unique approach by providing cash upfront in exchange for the right to sell a home in the future. This straightforward and transparent model allows homeowners to capitalize on their homeownership experience, facilitating every step of the journey, including the purchase of home products, services, and refinancing. By streamlining the process and minimizing additional costs, HomeOptions aims to create a comprehensive solution for homeowners looking to maximize their investments.

Abhi is a financial wellness platform based in Pakistan that offers employees the ability to access salary advances based on their accrued wages. Founded in 2021, the platform allows users to withdraw a portion of their earned income directly into their bank accounts, addressing immediate financial needs without hidden fees. In addition to salary advances, Abhi provides services such as invoice factoring and payroll processing, aimed at facilitating timely payments for employees. This solution not only supports individual financial health but also helps employers streamline processes within their HR and finance departments, ultimately improving overall workplace efficiency.

Digitt is a financial technology company that focuses on providing equitable financial tools to address the issues of predatory lending, particularly in the credit card sector. The company offers low-interest rates ranging from 20% to 42% per year, significantly lower than traditional bank rates. This enables customers to manage their debt more effectively, reducing the overall interest paid and facilitating quicker repayment. Digitt's products are designed to be transparent, giving users a clear understanding of their monthly payment obligations and timelines for becoming debt-free. By transforming the way individuals handle credit card debt, Digitt aims to empower users to regain control of their finances and achieve their financial goals.

Founded in 2021 by Roland Jais-Nielsen, HERO aims to address the funding challenges faced by small and medium-sized enterprises (SMEs) across Europe. The company operates a financial platform that offers a diverse array of instantly available financing and payment options. By integrating banking, payments, and credit services, HERO seeks to resolve the working capital issues that hinder the growth and operational efficiency of digital sellers. Its mission is to enhance financial flexibility for European SMEs, ultimately disrupting the traditional financial landscape for these businesses.

Fuell is a premier expense management platform that brings SMEs' financing into the current era.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Klar is a digital platform that functions as a challenger bank, offering deposit and credit services primarily for customers in Mexico. The company provides instant credit along with no-commission cashback and withdrawal options through its card and mobile application. By doing so, Klar aims to provide secure and cost-effective alternatives to traditional credit and debt services, catering to the needs of its users.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. The company offers a range of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing through an online platform. Xepelin aims to provide SMEs with economic freedom in their financial decisions by allowing clients to personalize services to meet their specific needs. With a team of over 500 employees, Xepelin leverages advanced financial indicators and risk assessments to streamline decision-making processes within the business ecosystem. The company is supported by notable investors, positioning it as a leader in the region's evolving financial landscape.

Fuell is a premier expense management platform that brings SMEs' financing into the current era.

Toss is a South Korean mobile financial service platform operated by the fintech startup Viva Republica, founded in 2011 by Seunggun Lee in Seoul. The application provides a range of financial services, including peer-to-peer money transfers, credit score management, bank account oversight, and access to loans and insurance plans. Additionally, Toss offers features such as bill-splitting and QR payment options, all designed to facilitate hassle-free financial management for its users.

Velocity is a prominent financial solution provider in India, specifically catering to digitally native businesses. Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, the company seeks to reshape the landscape of banking and financial services for modern enterprises. Velocity offers a diverse array of financial services, including term loans, revenue-based financing, overdrafts, and payment solutions. It distinguishes itself by providing funding options that do not require equity dilution or personal guarantees, allowing clients to repay loans as a fixed percentage of their future revenues. This innovative approach presents an alternative to traditional venture capital and standard loans, enabling businesses to access necessary funds while maintaining greater control over their financial obligations.

Toss is a South Korean mobile financial service platform operated by the fintech startup Viva Republica, founded in 2011 by Seunggun Lee in Seoul. The application provides a range of financial services, including peer-to-peer money transfers, credit score management, bank account oversight, and access to loans and insurance plans. Additionally, Toss offers features such as bill-splitting and QR payment options, all designed to facilitate hassle-free financial management for its users.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

AutoFi is a commerce platform delivering point of sale solution for financing a vehicle online. The platform allows consumers to purchase and finance a vehicle entirely online through a seamless user experience and an automated application and approval process. The company's platform connects an auto dealer’s customers to a network of lenders, providing a fast, mobile-first checkout experience. It provides vehicle buyers instant full spectrum decisions with customizable terms.