Picus Capital

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Founded in 2019, Silverflow is a Dutch company specializing in cloud-based payment processing technology. It offers direct access to card networks for payment service providers (PSPs), enabling them to accelerate innovation, gain real-time insights into transaction fees, and acquire smart data directly from the networks.

Getpaid is a technology company based in Germany and Spain that specializes in payment solutions for platforms and marketplaces. Its primary goal is to create the most platform-centric solution, enabling these platforms to maximize revenue potential, gain valuable insights from payments data, enhance customer experience, and optimize payment operations.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

PayZen is a healthcare fintech company that helps patients manage out-of-pocket medical expenses by offering flexible, transparent payment plans and non-recourse financing. The platform enables patients to pay bills over time while helping providers accelerate cash flow and reduce costly collections. It uses AI-powered risk assessment to tailor each plan to the individual patient, supporting affordable payments without upfront burden. Founded in 2019 in San Francisco by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger, PayZen aims to reduce financial barriers to care while enabling providers to focus on delivering services.

Mattilda is a Mexican company focused on addressing financial challenges faced by schools in Mexico and Latin America. It offers a finance management platform that streamlines financial processes for parents and private educational institutions. The platform enables schools to advance tuition fees, ensuring a predictable cash flow and minimizing delays in payment. Additionally, it provides various flexible payment options for parents, allowing them to manage their finances more effectively. By offering automated collection management products and medium to long-term credit solutions, Mattilda supports schools in prioritizing their educational mission while enhancing their financial stability.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

Getpaid is a technology company based in Germany and Spain that specializes in payment solutions for platforms and marketplaces. Its primary goal is to create the most platform-centric solution, enabling these platforms to maximize revenue potential, gain valuable insights from payments data, enhance customer experience, and optimize payment operations.

Paytron, LLC is a fintech company with a presence in both Las Vegas, Nevada, and Sydney, Australia, founded in 2015. It operates the Cocoon Technology platform, which specializes in merchant services such as credit and debit card processing, secure payment gateway solutions, and point of sale hardware. Additionally, Paytron provides a modern transaction account designed to facilitate payments, invoice approvals, and bank linking, while also enabling collaboration with accountants. The platform aims to streamline workflows for small and medium enterprises (SMEs) by automating bookkeeping, offering cash flow and risk management tools, and enhancing cross-border transaction capabilities. Through its services, Paytron helps businesses efficiently manage their finances, optimize payables and receivables, and gain insights for growth.

Kamino is a comprehensive financial management platform tailored for medium-sized businesses in Brazil. It offers embedded B2B payments, real-time data access, and a rigorous approval system for secure payment processing. By automating accounts payable and reconciliation, Kamino has significantly saved businesses time and improved operational efficiency.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

Founded in 2022, Kalto is a B2B payment company based in Mexico. It specializes in helping small and medium-sized businesses streamline their payment processes, reduce administrative costs, and optimize cash flow management through its software solutions.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

PayZen is a healthcare fintech company that helps patients manage out-of-pocket medical expenses by offering flexible, transparent payment plans and non-recourse financing. The platform enables patients to pay bills over time while helping providers accelerate cash flow and reduce costly collections. It uses AI-powered risk assessment to tailor each plan to the individual patient, supporting affordable payments without upfront burden. Founded in 2019 in San Francisco by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger, PayZen aims to reduce financial barriers to care while enabling providers to focus on delivering services.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Paytron, LLC is a fintech company with a presence in both Las Vegas, Nevada, and Sydney, Australia, founded in 2015. It operates the Cocoon Technology platform, which specializes in merchant services such as credit and debit card processing, secure payment gateway solutions, and point of sale hardware. Additionally, Paytron provides a modern transaction account designed to facilitate payments, invoice approvals, and bank linking, while also enabling collaboration with accountants. The platform aims to streamline workflows for small and medium enterprises (SMEs) by automating bookkeeping, offering cash flow and risk management tools, and enhancing cross-border transaction capabilities. Through its services, Paytron helps businesses efficiently manage their finances, optimize payables and receivables, and gain insights for growth.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

PayZen is a healthcare fintech company that helps patients manage out-of-pocket medical expenses by offering flexible, transparent payment plans and non-recourse financing. The platform enables patients to pay bills over time while helping providers accelerate cash flow and reduce costly collections. It uses AI-powered risk assessment to tailor each plan to the individual patient, supporting affordable payments without upfront burden. Founded in 2019 in San Francisco by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger, PayZen aims to reduce financial barriers to care while enabling providers to focus on delivering services.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Paytron, LLC is a fintech company with a presence in both Las Vegas, Nevada, and Sydney, Australia, founded in 2015. It operates the Cocoon Technology platform, which specializes in merchant services such as credit and debit card processing, secure payment gateway solutions, and point of sale hardware. Additionally, Paytron provides a modern transaction account designed to facilitate payments, invoice approvals, and bank linking, while also enabling collaboration with accountants. The platform aims to streamline workflows for small and medium enterprises (SMEs) by automating bookkeeping, offering cash flow and risk management tools, and enhancing cross-border transaction capabilities. Through its services, Paytron helps businesses efficiently manage their finances, optimize payables and receivables, and gain insights for growth.

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, founded in 2019. The company develops applications aimed at enhancing employees' financial health by providing them with on-demand access to their earned wages. Rain's platform integrates with existing payroll systems, allowing employees to withdraw portions of their earned wages at any time, rather than waiting for the traditional payday. This service is offered as a voluntary benefit at no cost to employers. The Rain Instant Pay app not only facilitates wage access but also includes features such as overdraft protection through a checking account option, notifications for upcoming bills, and various budgeting and saving tools. By providing an alternative source for cash, Rain helps businesses support their employees in managing finances more effectively and avoiding reliance on payday loans.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Loot Financial Services Ltd., established in 2014 and headquartered in London, offers a unique financial service combining a pre-paid Visa debit card with a budgeting app. This service provides users with real-time spending information, weekly budgets data, and the ability to pause/unpause their card via the web application. The company's primary business is to deliver these innovative banking alternatives to consumers, helping them manage their finances more effectively.