Goodwater Capital

We're a generative artificial intelligence company leading the development of a goal-driven and multimodal engine: Charlie! Charlie helps entrepreneurs and enterprises create content that performs across text, images, and more. Imagine asking an AI to write a social media post that maximizes engagement with your target audience. At GoCharlie we know engagement means commerce, and we want to give you the tools to drive business through all your marketing channels.

KURUKURU is a webcomic platform to create comics by posing scenes and generating characters.

Wallbit is a global neobank offering USD and EUR accounts, debit cards, access to US investments, and local currency transactions through a single app. It caters to individuals living outside the US who require international banking services.

Perfekto is an innovative online retail platform focused on delivering subscription-based boxes of imperfect produce to consumers in Latin America. The company curates and sells fruits and vegetables that may be deformed, disproportionate, or slightly damaged, yet retain the same taste and freshness as their aesthetically perfect counterparts. By providing these products, Perfekto not only offers a sustainable alternative to conventional grocery shopping but also fosters a community of conscientious consumers who prioritize quality and flavor over appearance. This model effectively reduces food waste while making fresh produce accessible to a broader audience.

PowWater develops a mobile application for water delivery, focusing on sustainability, safety, and efficiency. It employs predictive systems to connect vendors with customers, verifying water quality and optimizing delivery processes.

FoodCourt is an on-demand food delivery application that provides users with access to a selection of top food delivery brands and shops. The platform is designed to enhance convenience by allowing customers to order meals and drinks directly to their doorsteps. By utilizing virtual restaurants and dark stores, FoodCourt aims to make quality food and essential convenience goods accessible across Africa. The application focuses on popular food and convenience categories, curating a diverse range of options for its users.

Crew is a career development platform designed to empower early and mid-career professionals. It offers digitized coaching tools and live workshops, fostering confidence, collaboration, and strong connections among colleagues.

ApniBus operates an intercity bus platform that enables online booking for a range of services, including government, Lok Parivahan, and private operators. The service provides live location tracking and customer support, helping travelers compare schedules, book trips, and manage journeys across intercity routes. By aggregating offerings from multiple operators, it aims to simplify travel planning and improve the passenger travel experience.

Spark Studio is an ed-tech startup focused on providing extracurricular online courses in visual arts, music, and communications for children. The company aims to foster creativity and confidence through engaging learning experiences. Courses are designed by experts and taught by experienced instructors in small group settings, allowing for personalized attention and interaction. Spark Studio emphasizes fun and productive learning, enabling students to explore their interests and develop new skills in a supportive environment.

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

Coverage Cat operates an insurance platform that aims to provide the right amount of coverage for catastrophic risks. The platform emphasizes fixed coverage levels and seeks to offer cheaper premiums, helping individuals obtain appropriate protection while reducing costs. By simplifying decisions around high-severity risks, Coverage Cat targets efficient risk transfer and affordability for customers facing large-scale events.

Chowdeck is an online platform that facilitates food delivery services and enables users to purchase meals from a diverse selection of restaurants. It connects customers with local eateries, providing a seamless ordering process, real-time tracking, and various payment options.

Tandem is a financial operating system for couples. It offers a payment application designed to offer a quick and easy way for couples to share expenses. The company's application puts expense sharing on auto-pilot, helps split expenses with a swipe, and imports expenses from cards and accounts, enabling users to get a better handle on their money.

Whiz is a fintech company specializing in financial education for teens. It offers a platform that provides news, articles, training programs, and tools to help children manage pocket money, save, and understand the value of earnings.

KEIPhone is a company focused on increasing connectivity in sub-Saharan Africa by providing free smartphones and data to the estimated 70% of the population that currently lacks access to the internet. It aims to bridge the digital divide, particularly addressing the gender gap in internet access, by offering smartphones and solar chargers. The company's innovative business model generates revenue through lock screen advertising, which allows users to access content in their local languages via various formats such as video, IVR, web, and SMS. This approach not only enables women to connect and empower themselves but also facilitates the collection of detailed client data for targeted advertising, ultimately improving the lives of its users.

Patrol is an AI-powered safety network designed to enhance individual safety by leveraging data from users and global networks. The company develops an API application that aggregates information on safety incidents, providing valuable insights for insurance companies, governments, news organizations, and emergency officials. By offering neighborhood safety scores, Patrol not only empowers individuals with critical information but also improves the efficiency of insurers and real estate professionals. The platform aims to foster community empowerment through enhanced access to safety-related data, enabling users to make informed decisions to protect themselves and their surroundings.

Apparta is a restaurant‑tech marketplace and booking platform that helps restaurants boost productivity by filling empty tables with dynamic, whole‑menu discounts delivered through a mobile app. The system uses yield management, offering larger discounts during off‑peak hours and smaller discounts during high‑demand periods to attract dine‑in traffic and increase table utilization. By pairing reservations with incentive pricing for vacant capacity, Apparta aims to reduce idle seating and unlock revenue from underutilized tables. The approach supports restaurants in markets where occupancy can be low, including Latin America where average occupancy has been cited around 40%, reflecting a sizable addressable opportunity. For diners, the platform provides cost savings when dining out, while operators gain a tool to drive traffic and optimize revenue without sacrificing profitability. The company positions itself as a bridge between value‑seeking customers and eateries seeking to maximize the use of available seating.

Northwind is a teledermatology service that addresses the needs of individuals suffering from chronic skin conditions, such as psoriasis and eczema. It targets the 6% of the global population affected by lifelong dermatological issues, streamlining access to specialized care. By connecting patients with dermatology experts in under 12 hours, Northwind significantly reduces the typical wait time for treatment, which can average four months in traditional settings. The company offers personalized treatment plans based on the severity of each condition, utilizing a proprietary line of clinically tested, vegan, and steroid-free products. This innovative approach not only provides effective over-the-counter and prescription treatments but also allows patients to transition away from potentially harmful medications previously prescribed by healthcare professionals.

EQL Finance is a fintech lender that specializes in providing an online lending platform for small loans without interest or fees. The company focuses on offering interest-free loans that can be repaid over a few months, making it accessible for working families and individuals. In addition to its lending services, EQL Finance provides training and insights into financial management and purchase behavior, helping users enhance their financial literacy and build credit. This comprehensive approach aims to empower individuals to improve their financial management skills and achieve greater financial stability.

Foody operates a food recipe marketplace designed to empower culinary creators and home chefs. The platform allows users to buy recipes or upload their own, providing a centralized, ad-free space for recipe storage. By facilitating access to a diverse array of food recipes, Foody enables customers to learn new culinary techniques and discover innovative dishes. The service aims to foster a community of food enthusiasts and simplify the recipe-sharing process.

Spoken helps shoppers save up to 50% and cut through confusion when buying furniture online. We connect identical furniture products across all retailers where they are sold, even when sellers disguise their products with new names and photos. Promo codes can save you 15%, but buying the same item at another credible retailer can save you up to 50%.

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.

Alfie Health is a virtual obesity management clinic that focuses on sustainable weight loss through a combination of precision medicine and behavioral change. Utilizing proprietary AI clinical decision support technology, Alfie Health continuously analyzes patient data, including medication history and metabolic information, to tailor individualized weight management plans. The platform also offers regular telehealth visits, ensuring ongoing medical supervision and support for users. Additionally, patients are connected with certified health coaches who assist in determining the most effective medication combinations to achieve their weight loss goals. This innovative approach aims to provide comprehensive care from the convenience of patients' homes.

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.

Playhouse is a mobile app that enables users to browse video listings of properties for sale, providing clear insights into real estate.

Flowly is a mobile application designed to help manage pain and anxiety. It offers interactive experiences that teach users techniques to regulate their nervous system and reduce stress. Users can track their progress, engage with a supportive community, and access content through a phone or VR headset.

DocVita is a telehealth platform operating in India that connects consumers with a diverse range of healthcare professionals, including generalists, specialists, therapists, and psychiatrists. The platform facilitates both online and in-person consultations, allowing users to access personalized and confidential mental health care. By streamlining the process of finding the right provider, DocVita aims to enhance the accessibility and quality of healthcare services for its users.

Dime is a digital platform that provides creators to turn their content into digital collectibles and trade them in the market at a reasonable price. The company was founded in 2021 and is headquartered in San Francisco, California, United States.

We help companies improve employee satisfaction, reduce turnover and increase productivity by offering their employees benefits that reduce financial stress. With Monto, users have 24/7 access to their earned wages for a low fixed fee giving them the financial freedom they need to avoid thousands in interest, hidden and overdraft fees.

Koshex is a personal finance and wealth management service established in 2020 and headquartered in Bengaluru, Karnataka. The company focuses on automating wealth creation for Indian millennials by offering data-driven insights into their daily finances, enabling them to save more effectively and make informed investment decisions. Its innovative platform facilitates automated investing in various assets, including mutual funds, digital gold, and sectors such as technology, clean energy, automobiles, and US equities. By providing users with tools to understand money movement in real-time and evaluate potential investment outcomes, Koshex empowers customers to explore diverse investment opportunities tailored to their financial goals.

FastFarma is a digital pharmacy that aims to enhance the supply chain of pharmaceuticals through complete digitization. The company operates an online platform where it offers a variety of medicines and health products, often accompanied by promotions and discounts. FastFarma facilitates access to essential medications by providing home delivery services, making it easier for customers to obtain the health products they need.

Shimmer provides a platform for 1:1 remote ADHD coaching. Our platform matches users to an ADHD coach who helps guide them towards identifying and meeting goals, maintaining a positive approach to change, and improving productivity while providing a source of accountability.

HappyCredit is India’s pioneering platform that rewards users with instant cashback for shopping using any bank credit card, debit card, or UPI. It simplifies the process of earning rewards while making purchases.

Mighty Health is a wellness platform that offers a mobile application providing personalized training and coaching to support weight management, mobility, and pain reduction. The program includes nutrition guidance, a holistic health plan, access to a dedicated care team, joint-friendly exercises, customizable options, and a motivational community, enabling users to receive personal training and wellness coaching in a convenient, supportive environment.

​Ituloh is an Indonesia-based technology company that operates a community-driven video commerce platform. It offers services such as influencer marketing, community engagement, affiliate marketing, event management, and live shopping. The platform connects brands with Key Opinion Leaders (KOLs) across various lifestyle communities to facilitate product discovery and purchasing.​

FunctionUp is an EdTech company based in Bangalore, India. Founded by IIT and ISB alumni with over two decades of combined experience, it's backed by Y-Combinator. The company focuses on upskilling graduates and professionals in industry-relevant skills through its placement boot camp, offering live online classes and educational content. With 800+ hiring partners, FunctionUp has successfully changed the careers of over 1000 learners, demonstrating strong outcome metrics.

InsideOut specializes in mental health care and well-being support and is based in London. The company develops a health therapy platform delivered through an online application that uses an intelligent matching system to connect users with therapists, with the aim of breaking down social stigma and facilitating ongoing mental health care and positive well-being.

Founded in 2017, Ceresa is a leadership development company based in Austin, Texas. It offers a data-driven platform that delivers personalized, whole-person leadership journeys tailored to diverse aspiring leaders.

Reach is an online platform that connects creators with top brands, providing them with opportunities to earn a living doing what they love.

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.

Mint Songs is a prominent music NFT marketplace that focuses on enhancing the relationship between music artists and their fans. By utilizing non-fungible token technology, the company creates a platform where music enthusiasts can buy, sell, and trade music-related NFTs. This innovative approach not only facilitates transactions but also fosters the development of web3 communities, allowing artists to engage more deeply with their audience. Through its services, Mint Songs aims to empower artists and enrich the overall music experience for fans.

Zeta is a financial technology company that builds a money management platform for households to manage finances together. The platform supports joint accounts and a money manager, providing tools to track shared and personal bank accounts, set and monitor budgets, split transactions, add memos, and receive bill reminders. It also offers money coaching and other features to help families track spending and reach financial goals. The company operates as a remote-first organization and is headquartered in San Francisco, California.

Billdr is a home renovation marketplace based in Montreal, Toronto, and Chicago that streamlines the renovation process for both homeowners and general contractors. The company serves as a trusted partner, offering homeowners personalized support throughout the entire renovation journey. By utilizing a mobile application, general contractors gain access to pre-qualified leads and specialized tools for generating quotes, managing invoices, and facilitating payments, fostering a regulated and efficient marketplace. Billdr aims to transform the home renovation experience by providing comprehensive assessments and detailed estimates prior to matching homeowners with certified contractors, ultimately enhancing the efficiency and effectiveness of renovation projects.

Kredi operates an online mortgage platform designed for Latin American customers. It uses proprietary algorithms to connect users with suitable financial institutions, streamlining the loan application process.

Fitnescity is a consumer health platform that partners with local labs to provide accessible health tests. It offers detailed protocols, comprehensive reports via analytics platform, and follow-up support to enhance users' wellness journey.