Picus Capital

Baselayer automates business risk assessment and eliminates B2B fraud for over 1,900 Financial and Government Institutions. It offers services such as business verification (KYB), fraud detection, business onboarding optimization, risk profiling, portfolio monitoring & alerting, and workflow automation. Baselayer empowers 1,900+ financial institutions, government agencies, lenders, and fintech to unlock instant trust with any business in America.

Clara is a spending management platform designed for companies operating in Latin America. It offers a comprehensive suite of financial tools, including locally-issued corporate cards, Bill Pay, and financing solutions, all integrated within its software platform. This end-to-end solution aims to simplify and automate corporate expense management, allowing businesses to streamline expense reporting, gain real-time insights into spending, and better control their budgets. By enabling companies to operate with agility and financial clarity, Clara seeks to enhance the economic competitiveness of the region. The company is supported by a range of global and regional investors, reflecting its potential impact on business finances in Latin America.

Clara is a spending management platform designed for companies operating in Latin America. It offers a comprehensive suite of financial tools, including locally-issued corporate cards, Bill Pay, and financing solutions, all integrated within its software platform. This end-to-end solution aims to simplify and automate corporate expense management, allowing businesses to streamline expense reporting, gain real-time insights into spending, and better control their budgets. By enabling companies to operate with agility and financial clarity, Clara seeks to enhance the economic competitiveness of the region. The company is supported by a range of global and regional investors, reflecting its potential impact on business finances in Latin America.

Baselayer automates business risk assessment and eliminates B2B fraud for over 1,900 Financial and Government Institutions. It offers services such as business verification (KYB), fraud detection, business onboarding optimization, risk profiling, portfolio monitoring & alerting, and workflow automation. Baselayer empowers 1,900+ financial institutions, government agencies, lenders, and fintech to unlock instant trust with any business in America.

Arch is a financial technology company that specializes in providing loans to alternative asset owners, particularly in the realm of cryptocurrencies and non-fungible tokens (NFTs). The company has developed a platform that enables users to manage all their crypto assets in one location. Arch's flagship offering includes over-collateralized crypto-backed loans, which are stored in qualified custody and ensure that the collateral is not rehypothecated. This structure allows consumers to efficiently borrow against their crypto and NFT holdings while benefiting from real-time asset tracking.

BHub is a Latin American company specializing in providing financial back-office solutions for small and medium-sized enterprises (SMEs). Their AI-based platform is designed to relieve entrepreneurs and accountants by allowing the full outsourcing of finance and administrative tasks. The platform includes AI agents and automations for accounts payable/receivable, accounting, taxes, and payroll. By utilizing BHub's services, clients can significantly reduce the time, costs, and labor associated with these functions.

Stride Labs is a multichain liquid staking platform based in New York, established on June 23, 2022. The company specializes in providing liquidity for staked assets, allowing users to earn staking yields while simultaneously engaging in lending and liquidity provision within the Cosmos DeFi ecosystem. Stride enables users to stake their assets and receive stTokens, which can be freely traded or redeemed for the original tokens at any time. The platform facilitates real-time monitoring of blockchain protocols, offering accumulated rewards and empowering users to adjust their risk tolerance as they participate in decentralized finance.

Buildd is a developer of Banking-as-a-Service software that simplifies the creation and deployment of financial products and services for various industries, including fintech, eCommerce, and corporates. The company provides a comprehensive platform that handles crucial aspects such as compliance, security, and legal requirements, while also facilitating institutional partnerships and underwriting. Through its plug-and-play API stack, Buildd offers a range of services, including onboarding, disbursals, collections, escrow, credit card functionalities, and embedded finance solutions. This enables partner developers to efficiently launch customized financial offerings, allowing businesses to integrate essential financial services seamlessly into their operations.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Kamino is a financial management software company that specializes in providing comprehensive solutions for medium-sized businesses in Brazil. The platform integrates embedded B2B payment functionalities, offering a proprietary banking solution and corporate credit card services. In addition, it seamlessly connects with leading local banks and enterprise resource planning (ERP) systems, allowing businesses to effectively manage and control their expenditures. Kamino's platform features automatic invoice capture, data extraction, approval workflows, and payment processing, all within a single cloud-based system. By providing real-time data access, it empowers financial managers to make informed decisions and securely process payments through a stringent approval framework. The platform also streamlines accounts payable and reconciliation processes, ultimately saving businesses significant time and resources.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It offers innovative financing solutions for consumers and businesses, focusing on providing affordable credit options. By leveraging residential property as collateral, Selina Finance enables homeowners to access a flexible line of credit without the burden of setup or early repayment fees. The company's platform allows individuals to check their loan eligibility and draw funds up to a pre-approved limit, making the financing process as straightforward as applying for a consumer loan. Selina Finance aims to address the unmet needs of homeowners, who often rely on expensive borrowing methods, by offering a product that combines the flexibility of a current account with the affordability of a mortgage.

BHub is a Latin American company specializing in providing financial back-office solutions for small and medium-sized enterprises (SMEs). Their AI-based platform is designed to relieve entrepreneurs and accountants by allowing the full outsourcing of finance and administrative tasks. The platform includes AI agents and automations for accounts payable/receivable, accounting, taxes, and payroll. By utilizing BHub's services, clients can significantly reduce the time, costs, and labor associated with these functions.

Clara is a spending management platform designed for companies operating in Latin America. It offers a comprehensive suite of financial tools, including locally-issued corporate cards, Bill Pay, and financing solutions, all integrated within its software platform. This end-to-end solution aims to simplify and automate corporate expense management, allowing businesses to streamline expense reporting, gain real-time insights into spending, and better control their budgets. By enabling companies to operate with agility and financial clarity, Clara seeks to enhance the economic competitiveness of the region. The company is supported by a range of global and regional investors, reflecting its potential impact on business finances in Latin America.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

BHub is a Latin American company specializing in providing financial back-office solutions for small and medium-sized enterprises (SMEs). Their AI-based platform is designed to relieve entrepreneurs and accountants by allowing the full outsourcing of finance and administrative tasks. The platform includes AI agents and automations for accounts payable/receivable, accounting, taxes, and payroll. By utilizing BHub's services, clients can significantly reduce the time, costs, and labor associated with these functions.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

Basic Enterprises Pvt Ltd operates a technology-driven platform aimed at automating the home loan process for middle and low-income households in India. Established in 2020 and based in Gurugram, the company offers a range of services that include access to multiple lenders, tracking of applications and approvals, loan sanctions, and disbursements. The platform also features an earnings tracker and eligibility calculators to assist users in navigating the home loan process. Additionally, Basic Enterprises provides integrated customer relationship management tools for home loan agents, facilitating a more efficient service delivery. By leveraging an asset-light agent network, the company aims to expedite loan disbursements and enhance the overall experience for families seeking home loans, making the process faster, simpler, and more accessible.

Clara is a spending management platform designed for companies operating in Latin America. It offers a comprehensive suite of financial tools, including locally-issued corporate cards, Bill Pay, and financing solutions, all integrated within its software platform. This end-to-end solution aims to simplify and automate corporate expense management, allowing businesses to streamline expense reporting, gain real-time insights into spending, and better control their budgets. By enabling companies to operate with agility and financial clarity, Clara seeks to enhance the economic competitiveness of the region. The company is supported by a range of global and regional investors, reflecting its potential impact on business finances in Latin America.

Clara is a spending management platform designed for companies operating in Latin America. It offers a comprehensive suite of financial tools, including locally-issued corporate cards, Bill Pay, and financing solutions, all integrated within its software platform. This end-to-end solution aims to simplify and automate corporate expense management, allowing businesses to streamline expense reporting, gain real-time insights into spending, and better control their budgets. By enabling companies to operate with agility and financial clarity, Clara seeks to enhance the economic competitiveness of the region. The company is supported by a range of global and regional investors, reflecting its potential impact on business finances in Latin America.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Basic Enterprises Pvt Ltd operates a technology-driven platform aimed at automating the home loan process for middle and low-income households in India. Established in 2020 and based in Gurugram, the company offers a range of services that include access to multiple lenders, tracking of applications and approvals, loan sanctions, and disbursements. The platform also features an earnings tracker and eligibility calculators to assist users in navigating the home loan process. Additionally, Basic Enterprises provides integrated customer relationship management tools for home loan agents, facilitating a more efficient service delivery. By leveraging an asset-light agent network, the company aims to expedite loan disbursements and enhance the overall experience for families seeking home loans, making the process faster, simpler, and more accessible.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It offers innovative financing solutions for consumers and businesses, focusing on providing affordable credit options. By leveraging residential property as collateral, Selina Finance enables homeowners to access a flexible line of credit without the burden of setup or early repayment fees. The company's platform allows individuals to check their loan eligibility and draw funds up to a pre-approved limit, making the financing process as straightforward as applying for a consumer loan. Selina Finance aims to address the unmet needs of homeowners, who often rely on expensive borrowing methods, by offering a product that combines the flexibility of a current account with the affordability of a mortgage.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

* At MoneyOnClick we are building India’s largest financial services brand for the 500 Mn lower middle income customers in 4000+ small cities (which we term as “India 4”). This customer segment has very little penetration of formal loans, insurance or saving products as existing financial service players see this segment as risky and non profitable . We have created custom lending, insurance and saving products that are tailormade to serve the needs of India4 customers. * To reach these customers at low CAC, we have built a proprietary tech enabled offline-to-online social distribution channel where we have onboarded thousands of financially literate free-lancers such as LIC agents and junior financial sector employees in 1000+ cities. Our fully automated social partner app is available in 8 Indian languages and helps us manage these partners remotely without any physical presence. * The general perception is that this customer segment is highly risky and non lendable. We are happy to share that we have been able to maintain near 0% default rates despite Covid19 . Our proprietary ML based family underwriting where we evaluate the P&L of the family and give a joint liability family loan has helped us maintain these low default rates.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

HashChing is an online marketplace that connects consumers with local mortgage brokers to facilitate access to home loan deals. The company aims to empower individuals by enabling them to share both grievances and positive experiences related to financial products, thereby aiding others in making informed decisions. Through its digital loan platform, HashChing provides a cloud-based service that offers comprehensive information about premium home loan deals and related financial options. This transparency allows customers to navigate their financial choices more effectively and make educated decisions regarding home and business loans.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.