Goodwater Capital

Patika is a financial technology company dedicated to supporting African microenterprises in transitioning to the digital economy. It offers a software-as-a-service (SaaS) application that assists small businesses in managing their financial operations. This includes tracking customer debt, facilitating repayments, and overseeing cash flow. By providing tools for receivable automation and payment services, Patika enables microenterprises to efficiently record their income, expenses, and repayments, thereby maintaining a comprehensive digital record of their financial health.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

Kippa is a mobile app designed for African small business owners and bookkeepers. It streamlines financial management by replacing physical record books with digital platforms, enabling users to track daily transactions, generate invoices, manage inventory, and monitor business fluctuations.

GroMo is a fintech marketplace that empowers individuals in India to become micro-entrepreneurs by selling a variety of financial products, including insurance policies, credit cards, savings accounts, and loans. The platform allows users to partner with banks and non-banking financial companies (NBFCs) to distribute these products, enabling them to earn substantial income with no initial investment. GroMo provides a user-friendly mobile app that facilitates sales from anywhere, offering features such as instant payouts, training and certification programs, customer management tools, and robust customer support. With over 1.4 million partners, GroMo aims to financially empower its users, allowing them to earn over INR 1 lakh monthly by leveraging the app's capabilities. This innovative platform not only simplifies the sales process but also fosters a community of individuals who can enhance their financial knowledge and grow their businesses through referrals and personalized engagement.

When you need to hire someone to help you - Quest finds them for you! Quest is a platform where Gen Zs can access to earning opportunities by monetising their skills and time to solve everyday problems. We're on a mission to democratise earning opportunities for all and reimagine the way we work. In this post-covid world, our vision is to provide the next million jobs through peer-to-peer transactions. With over 40,000 heroes and 15,000 quests posted, you can #HireAHero for pretty much anything, very quickly. Quest is a venture-backed start-up supported by the National Youth Council, SMU's Business Innovations Generator (BIG) by IIE, Enterprise Singapore, SG United, and global early-stage VC Antler. Since the soft launch in mid-June, the Quest - Hire a Hero app has garnered more than 40,000 heroes and reached #1 on the Lifestyle category in the Apps Stores and #5 overall. We have never left the charts since.

PayO is an Accounting and payments application that enables simplified billing, easy stock management, payment collections, and supplier payments for small businesses.

VUI provides Flexible Payroll (EWA) solutions, income statistics, and employee financial management education through a technology platform.

Patika is a financial technology company dedicated to supporting African microenterprises in transitioning to the digital economy. It offers a software-as-a-service (SaaS) application that assists small businesses in managing their financial operations. This includes tracking customer debt, facilitating repayments, and overseeing cash flow. By providing tools for receivable automation and payment services, Patika enables microenterprises to efficiently record their income, expenses, and repayments, thereby maintaining a comprehensive digital record of their financial health.

Founded in 2021, Mewt is an Indian fintech company that simplifies business banking for Micro, Small, and Medium Enterprises (MSMEs). It aggregates accounts from state-run banks, private banks, and neo banks into a single account, enabling fast transfers and QR code-based payments.

HelloSubs is the future of substitute teaching. We ensure schools & districts have the coverage they need while providing great opportunities to new, and experienced substitute teachers.

Musicbuk is a music education platform that facilitates virtual music lessons by connecting students with professional and vetted music instructors. The company aims to cater to learners of all ages and skill levels, offering a diverse range of educators to ensure that users can find an instructor that best fits their learning style and preferences. Musicbuk's database includes private instructors and professional musicians, providing an extensive selection for those looking to learn a new instrument, improve their skills, or explore new musical avenues. By handling marketing for instructors, Musicbuk allows educators to focus on teaching while ensuring they receive fair compensation for their expertise. The platform is designed to make music education accessible, engaging, and tailored to individual needs.

Stablegains is a financial technology company that provides an online platform designed to help individuals and businesses earn high interest on their cash through decentralized finance (DeFi) lending markets. By leveraging the advantages of DeFi, which operates continuously and eliminates the need for traditional financial institutions, Stablegains simplifies access to these digital lending opportunities. The company's platform serves as a user-friendly savings tool, enabling users to efficiently optimize their capital and generate passive income. Stablegains focuses on identifying and offering the safest earning methods within the DeFi space, making these financial opportunities more accessible to a broader audience.

Treinta is a digital ledger app tailored for Latin American microbusinesses. It enables users to record transactions by assigning products from their inventory, providing real-time insights into business metrics. By using Treinta, owners can save up to 30 minutes daily in bookkeeping tasks and enhance efficiency by over 30%. Currently, it serves microbusinesses transitioning from pen-and-paper tracking methods.

So-Col is a pioneering platform facilitating direct connections between content creators and their fans. It leverages blockchain technology to bridge Web2 identities to Web3, enabling creators to monetize their content and build communities by converting social media posts into non-fungible collectibles.

Startup oi operates as a talent matching and job search platform for engineers. It connects engineers with companies by building a professional and social tech community that complements traditional networks. The platform supports career development through job search, online learning, mentorship, and guidance, while enabling engineers to pursue various interests and build their careers within a global community.

Numida Technologies is a digital financial institution based in Kampala, Uganda, founded in 2015. The company specializes in serving micro- and small businesses in East Africa by offering application software that helps these enterprises maintain up-to-date digital financial records. Numida's proprietary credit scoring system enables it to provide unsecured growth and working capital loans to businesses, which not only results in high portfolio yields but also significantly impacts the livelihoods of borrowers. The platform aims to lower risks and costs for lending institutions, leading to improved lending terms for borrowers and fostering a thriving small business sector that creates employment, increases tax revenues, and enhances living standards for entrepreneurs and their staff.

Kilo operates a business-to-business e-commerce platform that connects wholesalers with micro, small, and medium-sized enterprises. The company's platform is designed to digitize the local retail value chain by providing retailers with access to essential tools for price, assortment, and inventory management. By focusing on small and medium-sized retailers, Kilo enhances their ability to manage businesses across multiple sales channels. The platform fosters a network effect that promotes growth for both supply and demand, thereby creating a more efficient and responsive retail environment.

StowNest Storage offers household storage, luggage office storage, and business storage services. StowNest redefines the relationship between a client's space and belongings, so they can spend less time managing their things and more time living their life. We are solving the on-demand storage needs for SMEs and Startups by being their Warehouse Partners. We also offer Self Service Private Lockers to address the luggage storage needs of traveller under the name of KLOAK

Nomod is a financial technology company established in 2019 and headquartered in London. It specializes in creating a financial operating system tailored for innovative businesses in emerging markets. Nomod's suite of payment tools and financial services simplifies the management of business transactions, allowing entrepreneurs and startups to efficiently handle their finances. The platform enables users to easily sign up and begin accepting card payments both in-person and online, thereby supporting the growth and development of businesses in these regions.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

Flexi Salary is a financial services company based in Gurugram, Haryana. It offers an innovative salary wallet platform that enables employees to access their earned income early, fostering happier work environments and potentially reducing attrition rates for organizations.

Mentorcam is a platform that connects individuals with mentors and experts for one-on-one guidance and advice. Through a video messaging app, users can obtain personal messages from renowned experts and public figures, or engage in consultations to discuss fundraising, user acquisition, sales strategies, and other business challenges. Founded in 2019 and based in San Francisco, Mentorcam aims to help small business owners and professionals access expert advice to accelerate growth.

Pideaky is a payment and collection platform designed to enhance cash flow for small and medium-sized businesses (SMBs) through embedded finance solutions. Utilizing artificial intelligence, Pideaky's technology accelerates the onboarding and underwriting processes, making them six times faster than traditional methods, while also streamlining payment collections to be three times quicker than manual efforts. In addition to its payment functionalities, Pideaky offers a point-of-sale system that digitizes business operations by organizing and tracking sales and inventory, updating catalogs for order management, and facilitating online payment transactions. This comprehensive approach enables businesses to improve their operational efficiency and increase revenue through digital transformation.

Titipku is an online shopping application designed to meet the everyday needs of consumers by facilitating access to local markets. The platform emphasizes a hyperlocal shopping experience, enabling users to purchase from shops and markets in their immediate vicinity. By targeting sub-district areas, Titipku aims to support micro, small, and medium enterprises (MSMEs) in Indonesia, promoting their growth and digital transformation. The company provides an online marketplace that connects these small businesses with customers, thereby enhancing the overall economic landscape. Through its services, Titipku strives to empower local enterprises and ensure that consumers can easily access essential items from nearby sources.

NextPay offers an alternative to traditional bank accounts for small businesses and entrepreneurs. Its platform enables companies to generate digital invoices for customer payments, manage cash flow, and make bulk payments to employees, suppliers, or service providers.

BukuWarung is a technology company focused on providing digital infrastructure for Indonesia's 60 million micro, small, and medium enterprises (MSMEs). The company offers a platform that enables users to efficiently manage their businesses through features such as digital bookkeeping, online storefronts, and payment processing. By facilitating the recording of daily financial transactions, including sales and customer accounts, BukuWarung helps small businesses maintain accurate sales records, issue bills via messaging applications, and generate daily business reports. The platform aims to empower MSMEs by enhancing their financial awareness and enabling effective business management through technology.

VUI provides Flexible Payroll (EWA) solutions, income statistics, and employee financial management education through a technology platform.

Plentina is a financial technology company founded in 2019 that specializes in creating alternative credit scores and applications to facilitate access to store credit financing for essential purchases, such as food and medicine, in emerging markets. By leveraging machine learning algorithms, Plentina aims to unlock financial services for underserved populations, enabling them to secure microloans and improve their purchasing power. The company's innovative approach addresses the challenges faced by individuals in these markets, helping them to access vital goods and financial resources more easily. Headquartered in its founding location, Plentina is committed to enhancing financial inclusion in regions where traditional credit systems may be inadequate.

GroMo is a fintech marketplace that empowers individuals in India to become micro-entrepreneurs by selling a variety of financial products, including insurance policies, credit cards, savings accounts, and loans. The platform allows users to partner with banks and non-banking financial companies (NBFCs) to distribute these products, enabling them to earn substantial income with no initial investment. GroMo provides a user-friendly mobile app that facilitates sales from anywhere, offering features such as instant payouts, training and certification programs, customer management tools, and robust customer support. With over 1.4 million partners, GroMo aims to financially empower its users, allowing them to earn over INR 1 lakh monthly by leveraging the app's capabilities. This innovative platform not only simplifies the sales process but also fosters a community of individuals who can enhance their financial knowledge and grow their businesses through referrals and personalized engagement.

NextPay offers an alternative to traditional bank accounts for small businesses and entrepreneurs. Its platform enables companies to generate digital invoices for customer payments, manage cash flow, and make bulk payments to employees, suppliers, or service providers.

Kilo operates a business-to-business e-commerce platform that connects wholesalers with micro, small, and medium-sized enterprises. The company's platform is designed to digitize the local retail value chain by providing retailers with access to essential tools for price, assortment, and inventory management. By focusing on small and medium-sized retailers, Kilo enhances their ability to manage businesses across multiple sales channels. The platform fosters a network effect that promotes growth for both supply and demand, thereby creating a more efficient and responsive retail environment.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.