QED Investors

Capim is a Brazilian fintech company specializing in "Buy Now, Pay Later" (BNPL) solutions tailored for the dental sector. The company offers a financial management platform that equips dental clinics with digital tools to streamline operations and enhance patient access to treatments. By providing point-of-sale BNPL options, Capim allows patients to finance their dental care without relying on traditional credit card payment methods. Additionally, the platform enables clinics to manage invoicing and treatment financing, thereby facilitating better patient retention and operational efficiency for dental professionals.

SkorLife Platforms is a financial wellness company that offers a platform designed to assist users in enhancing their financial lifestyles. The platform provides free access to credit scores and credit history, along with personalized advice and tools. Users can monitor their credit status, manage installment payments, and explore various financial products, including loans and credit cards. By delivering these resources, SkorLife aims to empower individuals to improve their credit scores and make informed financial decisions.

FlapKap is a company that offers a revenue-based financing solution tailored for e-commerce and SaaS businesses. It focuses on enabling these companies, particularly in consumer-facing sectors such as retail and restaurants, to enhance their inventory and digital advertising capabilities through quick access to funding. The platform evaluates businesses using a comprehensive approach, analyzing data from various sources including e-commerce sites, advertising metrics, online reviews, payment gateways, point of sale systems, bank accounts, and enterprise resource planning platforms. Additionally, FlapKap employs AI to provide insights that optimize advertising spending, allowing businesses to manage their expenditures effectively while benefiting from flexible repayment terms.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

Efficient Capital Labs is a provider of capital services specifically tailored for B2B SaaS businesses that have a significant operational presence in India while generating revenue primarily from the US and other leading markets. The company focuses on offering non-dilutive capital financing, acting as a direct lender to streamline the underwriting process. This approach allows Efficient Capital Labs to deliver transparent and clear product terms, enabling businesses to achieve their financing goals effectively. By facilitating fast, seamless, and cost-effective access to capital, the company positions itself as a modern solution for SaaS businesses seeking to grow without compromising equity.

Hello Alice is a FinTech platform established in 2017 and headquartered in Houston, Texas. It focuses on supporting small business owners by providing access to credit, loans, grants, and business planning services. The platform utilizes machine learning to connect entrepreneurs with the necessary resources, regardless of their gender, ethnicity, geography, or stage of growth. Through its partnerships with enterprise business services, government agencies, and institutions, Hello Alice aims to enhance revenue opportunities for small and medium businesses. The platform offers curated mentorship, events, tools, and resources tailored to meet the specific needs of founders, thereby facilitating their path to success.

Mission Lane LLC is a fintech company focused on providing credit card services to subprime consumers. Founded in 2018 and headquartered in Atlanta, Georgia, with additional offices in several U.S. states and Canada, Mission Lane utilizes advanced technology, data analytics, and machine learning to enhance its offerings. The company provides digital self-service tools that help customers manage their accounts and work towards improving their credit scores. By prioritizing transparency and user-friendly terms, Mission Lane aims to deliver a dignified customer experience, making it easier for individuals to access fair credit options and rebuild their financial lives.

Carmoola is an innovative online financial lending platform that aims to transform the car financing experience. Through its user-friendly app, Carmoola provides customers with straightforward access to car loans and financing options, featuring low-interest rates and flexible terms that allow users to spread the cost of their vehicle over time. The platform emphasizes transparency by eliminating hidden fees and broker commissions, ensuring a hassle-free financing process. With 24/7 support and a commitment to customer convenience, Carmoola strives to empower individuals to take control of their car financing, making it easier for them to obtain the vehicle they desire without the complications typically associated with traditional financing methods.

Efficient Capital Labs is a provider of capital services specifically tailored for B2B SaaS businesses that have a significant operational presence in India while generating revenue primarily from the US and other leading markets. The company focuses on offering non-dilutive capital financing, acting as a direct lender to streamline the underwriting process. This approach allows Efficient Capital Labs to deliver transparent and clear product terms, enabling businesses to achieve their financing goals effectively. By facilitating fast, seamless, and cost-effective access to capital, the company positions itself as a modern solution for SaaS businesses seeking to grow without compromising equity.

SkorLife Platforms is a financial wellness company that offers a platform designed to assist users in enhancing their financial lifestyles. The platform provides free access to credit scores and credit history, along with personalized advice and tools. Users can monitor their credit status, manage installment payments, and explore various financial products, including loans and credit cards. By delivering these resources, SkorLife aims to empower individuals to improve their credit scores and make informed financial decisions.

Carmoola is an innovative online financial lending platform that aims to transform the car financing experience. Through its user-friendly app, Carmoola provides customers with straightforward access to car loans and financing options, featuring low-interest rates and flexible terms that allow users to spread the cost of their vehicle over time. The platform emphasizes transparency by eliminating hidden fees and broker commissions, ensuring a hassle-free financing process. With 24/7 support and a commitment to customer convenience, Carmoola strives to empower individuals to take control of their car financing, making it easier for them to obtain the vehicle they desire without the complications typically associated with traditional financing methods.

Carmoola is an innovative online financial lending platform that aims to transform the car financing experience. Through its user-friendly app, Carmoola provides customers with straightforward access to car loans and financing options, featuring low-interest rates and flexible terms that allow users to spread the cost of their vehicle over time. The platform emphasizes transparency by eliminating hidden fees and broker commissions, ensuring a hassle-free financing process. With 24/7 support and a commitment to customer convenience, Carmoola strives to empower individuals to take control of their car financing, making it easier for them to obtain the vehicle they desire without the complications typically associated with traditional financing methods.

Pylon is a mortgage-lending-as-a-service platform headquartered in New York, NY. The company offers a comprehensive digital mortgage experience that allows developers to integrate mortgage lending into their products through its APIs and pre-built user interface components. Pylon's platform facilitates the entire mortgage process, including origination, underwriting, processing, funding, and closing of loans. By providing customizable infrastructure, Pylon enables its clients to streamline the lending process and deliver a modern, integrated experience to their customers.

FlapKap is a company that offers a revenue-based financing solution tailored for e-commerce and SaaS businesses. It focuses on enabling these companies, particularly in consumer-facing sectors such as retail and restaurants, to enhance their inventory and digital advertising capabilities through quick access to funding. The platform evaluates businesses using a comprehensive approach, analyzing data from various sources including e-commerce sites, advertising metrics, online reviews, payment gateways, point of sale systems, bank accounts, and enterprise resource planning platforms. Additionally, FlapKap employs AI to provide insights that optimize advertising spending, allowing businesses to manage their expenditures effectively while benefiting from flexible repayment terms.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Meow Technologies is a financial technology company, not a bank. Banking services are provided by FirstBank, a Tennessee corporation, and by Grasshopper Bank, N.A. and Third Coast Bank SSB; Members FDIC. Meow offers businesses checking accounts with interest, treasury management services, invoicing, bill pay and more.

LEO1 is a financial services platform focused on providing educational lending solutions. The company specializes in offering education loans and facilitating peer-to-peer lending, making it easier for parents and students to manage tuition and related fees through flexible installment payment options. LEO1's platform connects individual borrowers with lenders in a digital environment, enhancing access to credit facilities for those pursuing educational opportunities.

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.

Milo is a financial technology company that is reimagining the way crypto and global consumers access credit and financial solutions in a borderless world. We are passionate about driving transformation of financial services, solving real problems, and making a meaningful impact in people’s lives. At Milo, we are building amazing digital solutions and rethinking what’s possible. Milo has built the leading home credit solution for global consumers. By building our technology stack from the ground up and bringing on a world class team, we have already lent out millions of dollars to amazing consumers. Milo is able to close loans in days and not in months. We are looking for new team members that get excited about creating, designing and implementing new solutions for global consumers. Our team is looking for passionate individuals to join our product, design, operations and marketing teams.

Tribal is a technology-driven financial services provider, specializing in offering small and medium-sized businesses in emerging markets access to modern payment methods and financing solutions. The company's platform enables SMBs to utilize multi-currency physical and virtual business credit cards, local and international wire transfers, short-term financing, and a comprehensive spend management tool, all integrated into a single, user-friendly interface. Tribal has secured funding from prominent investors such as SoftBank Latin America Fund, QED Investors, and Coinbase Ventures, and has been recognized by Visa as part of their FinTech Fast Track program.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

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.

Hash is a fintech company founded in 2017 by João Miranda, specializing in providing B2B financial, payments, and banking solutions. The company offers a customizable platform that enables businesses to integrate financial transaction services for their merchant partners and customers. By addressing key barriers to the provision of financial services, Hash's platform acts as a gateway for companies to access and tailor payment solutions to meet the specific financial needs of their markets. The company has received recognition for its innovative approach, featuring on several prestigious lists, including the "100 Startups to Watch" and "Top Fintech Companies in Brazil." Hash is committed to enhancing the value proposition for its clients through its comprehensive and adaptable payment service offerings.

Fraction is a technology-driven lending platform designed to enhance the affordability and flexibility of residential real estate. It offers a digital solution that allows homeowners to manage and diversify their home equity. Through its platform, users can take on new mortgages, reduce home equity, and unlock the value tied up in their properties. This innovative approach enables homeowners to increase their monthly income, purchase additional homes, and convert existing mortgages into options that do not require monthly payments.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

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.

Capitalise.com is a financial information service focused on helping UK businesses secure the right funding by connecting them with suitable lenders. With a network of over 360 lenders, including more than 80 institutional and fintech partners, the platform simplifies the complex funding landscape for small and medium-sized enterprises (SMEs). Utilizing in-house technology and data analytics, Capitalise.com identifies optimal financing options tailored to the specific needs of businesses. This approach not only facilitates access to a variety of funding products but also empowers accounting firms to better serve their clients by clarifying and streamlining the funding process, thereby enhancing their role as trusted advisors.

Capim is a Brazilian fintech company specializing in "Buy Now, Pay Later" (BNPL) solutions tailored for the dental sector. The company offers a financial management platform that equips dental clinics with digital tools to streamline operations and enhance patient access to treatments. By providing point-of-sale BNPL options, Capim allows patients to finance their dental care without relying on traditional credit card payment methods. Additionally, the platform enables clinics to manage invoicing and treatment financing, thereby facilitating better patient retention and operational efficiency for dental professionals.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Hello Alice is a FinTech platform established in 2017 and headquartered in Houston, Texas. It focuses on supporting small business owners by providing access to credit, loans, grants, and business planning services. The platform utilizes machine learning to connect entrepreneurs with the necessary resources, regardless of their gender, ethnicity, geography, or stage of growth. Through its partnerships with enterprise business services, government agencies, and institutions, Hello Alice aims to enhance revenue opportunities for small and medium businesses. The platform offers curated mentorship, events, tools, and resources tailored to meet the specific needs of founders, thereby facilitating their path to success.

Ocrolus Inc. is a document automation platform that specializes in automating manual data work for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents to streamline processes such as loan underwriting, account openings, and auditing. By leveraging artificial intelligence and crowdsourcing, Ocrolus enables clients to capture data from various sources, including e-statements and scanned documents, while also conducting algorithmic checks alongside reviews by fraud specialists. This approach enhances data verification, improves fraud detection, and allows for in-depth cash flow analysis. Serving prominent customers in the fintech, mortgage, and banking industries, Ocrolus empowers financial services firms to make high-quality decisions efficiently and with trusted data.

Spinwheel is a financial software platform established in 2019 and based in Oakland, California. The company focuses on assisting Americans in managing and reducing their debt through innovative solutions integrated into popular applications. Spinwheel's API infrastructure enables users to connect, pay, and oversee their debts seamlessly within third-party services. The platform offers features such as loan payment processing, interest rate comparisons, account linking, and the simplification of the loan payment system. Additionally, it allows users to set and achieve financial goals, facilitating debt repayment every time they engage in shopping. Through these services, Spinwheel aims to enhance the financial well-being of its users by making debt management more accessible and manageable.

Tribal is a technology-driven financial services provider, specializing in offering small and medium-sized businesses in emerging markets access to modern payment methods and financing solutions. The company's platform enables SMBs to utilize multi-currency physical and virtual business credit cards, local and international wire transfers, short-term financing, and a comprehensive spend management tool, all integrated into a single, user-friendly interface. Tribal has secured funding from prominent investors such as SoftBank Latin America Fund, QED Investors, and Coinbase Ventures, and has been recognized by Visa as part of their FinTech Fast Track program.

Tribal is a technology-driven financial services provider, specializing in offering small and medium-sized businesses in emerging markets access to modern payment methods and financing solutions. The company's platform enables SMBs to utilize multi-currency physical and virtual business credit cards, local and international wire transfers, short-term financing, and a comprehensive spend management tool, all integrated into a single, user-friendly interface. Tribal has secured funding from prominent investors such as SoftBank Latin America Fund, QED Investors, and Coinbase Ventures, and has been recognized by Visa as part of their FinTech Fast Track program.

Hash is a fintech company founded in 2017 by João Miranda, specializing in providing B2B financial, payments, and banking solutions. The company offers a customizable platform that enables businesses to integrate financial transaction services for their merchant partners and customers. By addressing key barriers to the provision of financial services, Hash's platform acts as a gateway for companies to access and tailor payment solutions to meet the specific financial needs of their markets. The company has received recognition for its innovative approach, featuring on several prestigious lists, including the "100 Startups to Watch" and "Top Fintech Companies in Brazil." Hash is committed to enhancing the value proposition for its clients through its comprehensive and adaptable payment service offerings.

Milo is a financial technology company that is reimagining the way crypto and global consumers access credit and financial solutions in a borderless world. We are passionate about driving transformation of financial services, solving real problems, and making a meaningful impact in people’s lives. At Milo, we are building amazing digital solutions and rethinking what’s possible. Milo has built the leading home credit solution for global consumers. By building our technology stack from the ground up and bringing on a world class team, we have already lent out millions of dollars to amazing consumers. Milo is able to close loans in days and not in months. We are looking for new team members that get excited about creating, designing and implementing new solutions for global consumers. Our team is looking for passionate individuals to join our product, design, operations and marketing teams.

Provide, Inc. is a financial software company based in San Francisco, California, specializing in innovative solutions for dentists, veterinarians, and healthcare professionals. Founded in 2013 and originally known as Lendeavor, the company focuses on enhancing practice finance by offering a range of services including lending, business bank accounts, and insurance. Provide aims to support healthcare providers by streamlining financial processes and improving access to essential financial resources, particularly in the context of challenges posed by the global pandemic.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Ocrolus Inc. is a document automation platform that specializes in automating manual data work for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents to streamline processes such as loan underwriting, account openings, and auditing. By leveraging artificial intelligence and crowdsourcing, Ocrolus enables clients to capture data from various sources, including e-statements and scanned documents, while also conducting algorithmic checks alongside reviews by fraud specialists. This approach enhances data verification, improves fraud detection, and allows for in-depth cash flow analysis. Serving prominent customers in the fintech, mortgage, and banking industries, Ocrolus empowers financial services firms to make high-quality decisions efficiently and with trusted data.

Zibo Inc. is a financial services company that specializes in providing a banking and payments platform tailored for independent landlords. Established in 2018 and based in Redwood City, California, Zibo offers a range of services designed to streamline the management of rental properties. Its platform facilitates rent payments, automates rent collection, and assists with financial management tasks such as tax preparation and accounting. Additionally, Zibo provides tools for tenant screening and rental applications, along with insurance services for residential rental properties. By offering a comprehensive suite of services at no cost, Zibo aims to help landlords enhance cash flow and effectively manage their rental portfolios.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Mission Lane LLC is a fintech company focused on providing credit card services to subprime consumers. Founded in 2018 and headquartered in Atlanta, Georgia, with additional offices in several U.S. states and Canada, Mission Lane utilizes advanced technology, data analytics, and machine learning to enhance its offerings. The company provides digital self-service tools that help customers manage their accounts and work towards improving their credit scores. By prioritizing transparency and user-friendly terms, Mission Lane aims to deliver a dignified customer experience, making it easier for individuals to access fair credit options and rebuild their financial lives.

Covalto, formerly known as Credijusto, is a financial technology company based in Mexico City that specializes in providing comprehensive financial solutions for small and medium-sized enterprises (SMEs). Founded in 2015, Covalto has developed a robust technology infrastructure that utilizes digital tax, e-invoice, and financial data to streamline the underwriting and servicing of SMEs. The company offers a multi-product credit platform, banking services, and a suite of business analytics tools, all designed to facilitate accessible and transparent credit for business growth. In 2021, Covalto distinguished itself as the first fintech in Mexico to acquire a regulated bank, further enhancing its digital banking and service offerings for SMEs.

Ocrolus Inc. is a document automation platform that specializes in automating manual data work for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents to streamline processes such as loan underwriting, account openings, and auditing. By leveraging artificial intelligence and crowdsourcing, Ocrolus enables clients to capture data from various sources, including e-statements and scanned documents, while also conducting algorithmic checks alongside reviews by fraud specialists. This approach enhances data verification, improves fraud detection, and allows for in-depth cash flow analysis. Serving prominent customers in the fintech, mortgage, and banking industries, Ocrolus empowers financial services firms to make high-quality decisions efficiently and with trusted data.

Capitalise.com is a financial information service focused on helping UK businesses secure the right funding by connecting them with suitable lenders. With a network of over 360 lenders, including more than 80 institutional and fintech partners, the platform simplifies the complex funding landscape for small and medium-sized enterprises (SMEs). Utilizing in-house technology and data analytics, Capitalise.com identifies optimal financing options tailored to the specific needs of businesses. This approach not only facilitates access to a variety of funding products but also empowers accounting firms to better serve their clients by clarifying and streamlining the funding process, thereby enhancing their role as trusted advisors.

Agilis is a financial services company focused on transforming the asset-backed secured lending market in Argentina through its online lending platform. By leveraging property as collateral for loans, Agilis enables borrowers to access financing at lower rates and extended terms compared to traditional personal loans. The platform provides competitive rates and increased loan amounts, offering consumers more favorable financing options than those available from credit cards or both bank and non-bank loans. Agilis aims to establish itself as a leading player in the online lending space, catering to the diverse needs of borrowers seeking secure and efficient financing solutions.

Resolve Innovations, Inc., established in 2017 and headquartered in Oakland, California, operates a financial management platform. This platform enables users to explore and compare debt relief options, and facilitates connections with debt relief providers. Additionally, it offers tools to enhance credit scores, reduce expenses, increase income, manage and consolidate debt, lower interest rates, and negotiate with creditors. The company was founded by a team comprising financial advisors, debt experts, and technologists, aiming to provide accessible and unbiased assistance to individuals facing financial challenges.

Zinobe is a Colombian company that has been operating since 2012, specializing in the development of online financial products aimed at consumers and small businesses. The company focuses on leveraging technology to enhance customer experience while implementing a data-centric credit model to reach underserved markets in Colombia. Zinobe utilizes artificial intelligence and blockchain technology to create efficient financial services, enabling lenders to make informed decisions. By prioritizing financial inclusion, Zinobe addresses the needs of individuals and small enterprises that have traditionally faced challenges in accessing financial resources.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Covalto, formerly known as Credijusto, is a financial technology company based in Mexico City that specializes in providing comprehensive financial solutions for small and medium-sized enterprises (SMEs). Founded in 2015, Covalto has developed a robust technology infrastructure that utilizes digital tax, e-invoice, and financial data to streamline the underwriting and servicing of SMEs. The company offers a multi-product credit platform, banking services, and a suite of business analytics tools, all designed to facilitate accessible and transparent credit for business growth. In 2021, Covalto distinguished itself as the first fintech in Mexico to acquire a regulated bank, further enhancing its digital banking and service offerings for SMEs.

Ocrolus Inc. is a document automation platform that specializes in automating manual data work for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents to streamline processes such as loan underwriting, account openings, and auditing. By leveraging artificial intelligence and crowdsourcing, Ocrolus enables clients to capture data from various sources, including e-statements and scanned documents, while also conducting algorithmic checks alongside reviews by fraud specialists. This approach enhances data verification, improves fraud detection, and allows for in-depth cash flow analysis. Serving prominent customers in the fintech, mortgage, and banking industries, Ocrolus empowers financial services firms to make high-quality decisions efficiently and with trusted data.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

ApplePie Capital, established in 2013 and based in San Francisco, specializes in providing financing solutions tailored to franchise businesses. Through its online platform, the company offers a range of loan products designed to help franchisees open new locations, acquire existing ones, refinance debts, or fund renovations. ApplePie Capital connects entrepreneurs with investors seeking fixed-income returns, facilitating efficient financing for franchise expansion while promoting trust in established brands.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

ClearScore is a financial technology company that offers credit scoring services and a marketplace aimed at improving users' financial well-being. The company provides access to crucial financial data, including credit reports and scores, as well as open banking data. Its platform is designed to assist users in consolidating personal debts and repaying them through low-interest, fixed-rate loans. By empowering individuals with these tools, ClearScore enables users to make informed and responsible decisions regarding debt management and financial planning.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Tandem is a digital bank that aims to provide a better banking experience by leveraging technology and user feedback. It offers a range of financial services, including savings accounts, credit cards, and loans, all managed through a user-friendly mobile app. Tandem's approach is centered around simplicity, with a focus on helping users save money and reducing financial stress. It differentiates itself by actively engaging with its user community to inform product development and improvement.

Future Finance is a non-government lender specializing in student loans, founded in 2014 by Brian Norton and Vishal Garg. Headquartered in Dublin, the company aims to eliminate financial barriers to education, allowing students to focus on their studies and career aspirations. Future Finance offers straightforward loan facilities designed for both undergraduate and postgraduate students, covering tuition fees and living expenses. By providing accessible financing options, the company seeks to empower individuals from diverse financial backgrounds to achieve their educational goals without the stress of financial constraints.

MMKT Exchange LLC is a New York-based company founded in 2015 that provides an online platform designed to streamline the loan syndication and trading process for qualified institutional buyers and originators. The platform serves as a centralized marketplace where commercial lenders can list originated loans and institutional buyers can access loan listings from various originators. This enables sponsors and borrowers to monitor purchaser activity while facilitating a more efficient interaction between lenders and buyers. By focusing on the middle market, MMKT Exchange enhances accessibility and transparency in the loan trading process, allowing for smaller transaction sizes and broader participation in the loan syndication market.

Fundera, Inc. is an online marketplace based in New York that facilitates the comparison of various small business loan options for entrepreneurs. Founded in 2013 and currently a subsidiary of NerdWallet, Fundera offers a wide range of financial products, including SBA loans, term loans, equipment financing, business lines of credit, invoice financing, short-term loans, merchant cash advances, small business startup loans, and personal loans tailored for business purposes. The company leverages proprietary technology and financial expertise to provide small business owners with insights and tailored options, enabling them to make informed decisions about their financing needs. By connecting users with multiple lenders, credit card issuers, and banks, Fundera aims to help entrepreneurs secure funding at competitive rates.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

ApplePie Capital, established in 2013 and based in San Francisco, specializes in providing financing solutions tailored to franchise businesses. Through its online platform, the company offers a range of loan products designed to help franchisees open new locations, acquire existing ones, refinance debts, or fund renovations. ApplePie Capital connects entrepreneurs with investors seeking fixed-income returns, facilitating efficient financing for franchise expansion while promoting trust in established brands.

GreenSky is a FinTech company based in Atlanta, Georgia, founded in 2006. It specializes in providing point-of-sale financing and payment solutions to merchants, consumers, and banks. GreenSky's proprietary technology infrastructure supports the entire transaction lifecycle, from credit application and underwriting to real-time allocation of funds, document distribution, funding, settlement, and servicing. The company partners with over 14 large banking institutions to offer loans for various purposes, including home improvement services like HVAC installations, roofing, and remodeling, as well as medical expenses not covered by insurance. GreenSky's loans are designed to provide an alternative to credit cards for customers with prime to prime plus credit, offering a convenient mobile app for easy access to funds.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Credit Karma is a personal finance company founded in 2007 and headquartered in San Francisco, California. It aims to assist individuals in making informed financial decisions by providing access to free credit scores and reports, along with credit monitoring services. The platform offers a variety of tools and personalized recommendations that help users improve their financial standing, such as credit report cards and loan savings suggestions. With over 100 million members, Credit Karma empowers users to monitor their credit health and gain insights into their financial situations, ultimately facilitating better financial progress.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Privlo is an online lender for well-qualified borrowers who have fallen through the cracks inherent in the traditional agency and qualified mortgage (QM) process. At the heart of its commonsense approach is a proprietary decision-making process that values each individual's unique financial picture. Privlo offers an incredible customer experience and speed and certainty of close. The company was founded in 2011 and is based in Pasadena, California.

ApplePie Capital, established in 2013 and based in San Francisco, specializes in providing financing solutions tailored to franchise businesses. Through its online platform, the company offers a range of loan products designed to help franchisees open new locations, acquire existing ones, refinance debts, or fund renovations. ApplePie Capital connects entrepreneurs with investors seeking fixed-income returns, facilitating efficient financing for franchise expansion while promoting trust in established brands.

SoFi, established in 2011 and headquartered in San Francisco, operates as a commercial bank offering a range of financial services. Primarily serving early-career professionals, SoFi provides personal loans, mortgage refinancing, and student loan assistance. Their wealth management services include retirement savings plans, investment products, and credit card offerings. Additionally, they provide small business financing solutions.

Future Finance is a non-government lender specializing in student loans, founded in 2014 by Brian Norton and Vishal Garg. Headquartered in Dublin, the company aims to eliminate financial barriers to education, allowing students to focus on their studies and career aspirations. Future Finance offers straightforward loan facilities designed for both undergraduate and postgraduate students, covering tuition fees and living expenses. By providing accessible financing options, the company seeks to empower individuals from diverse financial backgrounds to achieve their educational goals without the stress of financial constraints.

CAN Capital, Inc. is a financial services provider based in Kennesaw, Georgia, specializing in working capital solutions for small and medium-sized businesses across the United States. Founded in 1998, the company offers small business term loans and merchant cash advances to help business owners meet various financial needs, including inventory purchases, technology upgrades, payroll, equipment acquisition, expansion, and marketing initiatives. CAN Capital utilizes a real-time platform and risk-scoring models to streamline the lending process, allowing for quick access to flexible funding options without the need for personal asset collateral. The company's Daily Remittance Platform facilitates daily cash flow monitoring of borrowers, enhancing the lender's understanding of customer transactions and improving repayment processes. Formerly known as Capital Access Network, Inc., CAN Capital rebranded in December 2013 to better reflect its focus on providing accessible capital solutions for small businesses.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

BlueYield, Inc. is a consumer auto finance lending exchange based in Aliso Viejo, California, founded in 2008. The company provides a platform that connects lenders and consumers by offering various auto loan products, including options for new and used cars as well as refinancing and lease buyouts. In addition to these loan offerings, BlueYield develops custom software applications that enable lenders to monitor portfolio performance and utilize predictive analytics. The company also delivers lender development and management solutions, along with private-label affinity automotive financing programs. By facilitating an efficient automotive financial community, BlueYield aims to ensure that all participants, including lenders, lead sources, affinity groups, and consumers, can engage in the auto finance marketplace with confidence in its integrity. As of August 2016, BlueYield operates as a subsidiary of Ally Financial Inc.

Avant, LLC is a financial technology company that operates an online marketplace lending platform, providing consumers access to personal loans for purposes such as debt consolidation, medical expenses, and family vacations. Founded in 2012, Avant utilizes big data and machine-learning algorithms to streamline credit options and offer a tailored approach to lending. The company partners with banks and financial institutions to facilitate loan processing and verification, ensuring compliance with credit policies while minimizing fraud and risk. Additionally, Avant operates an institutional marketplace that allows investors to purchase loans generated through its technology. Headquartered in Chicago, Illinois, Avant also maintains offices in Los Angeles, California, and London, United Kingdom, serving customers both domestically and internationally.

Privlo is an online lender for well-qualified borrowers who have fallen through the cracks inherent in the traditional agency and qualified mortgage (QM) process. At the heart of its commonsense approach is a proprietary decision-making process that values each individual's unique financial picture. Privlo offers an incredible customer experience and speed and certainty of close. The company was founded in 2011 and is based in Pasadena, California.

Zebit UK LTD, owned by Global Analytics Holdings, was closed down in 2014, and was absorbed by Lending Stream, another GAH company. ---- Zebit is a short-term lender that offers loans with flexible repayment options. You can take out a loan of up to £800 for a month to 7 months; Zebit lets you choose your repayment on a weekly or monthly basis. Zebit runs an affordability analysis on all applications to evaluate whether you would be able to repay the loan in a sustainable manner. Upon approval, Zebit will send the money to your bank account within 4 minutes* with no transfer or application fees (the time that it takes for cash to appear in your account will depend on your bank’s policies and procedures). Zebit accepts applications 24 hours a day, 7 days a week, even on bank holidays. Advantages 1. Upon approval, fund transfer initiated within 4 minutes* (the time that it takes for cash to appear in your account will depend on your bank’s policies and procedures). 2. Choose your repayment term – over 1 month up to 7 months. 3. Apply to borrow any amount, from £50 to £800. Disadvantages Lending of this type is an expensive form of credit that may be appropriate for short-term financial needs, but may not be appropriate for long-term borrowing - or if you are in financial difficulty. Terms and Conditions You need to be 18 years of age, or older, be in regular employment with a minimum monthly income of at least £400, and have a valid debit card and a working bank account. You should also be a UK resident. We currently do not lend to individuals who are self-employed. Costs, Rates & Fees Representative APR:1561.7% Representative Example:Annual Interest Rate: 314.7% (fixed).Total Amount of Credit: £100;Duration of Agreement:1 month; Total Cost of Credit: £25; Total Repayable: £ 125 on a loan of £100 for 1 month Extension:Not permitted **Please refer website to understand the fee structure and other details before you apply for a loan *Subject to loan approval, you will receive cash through Express Cash transfer option for free if supported by your bank. Zebit can initiate the transfer of funds into your account within 4 minutes after final approval of your loan subject to an assessment of affordability and creditworthiness.. The time that it takes for cash to appear in your account will depend on your bank’s policies and procedures

Prosper Marketplace Inc. is a peer-to-peer online credit marketplace based in San Francisco, California, founded in 2005. The company facilitates connections between individuals seeking consumer loans and those willing to invest in these loans, including both individuals and institutions. Prosper’s platform offers a range of fixed-rate, amortizing, and unsecured personal loans, all characterized by transparency, low fees, and no prepayment penalties. By utilizing a data-driven underwriting model, Prosper enables borrowers to access affordable loans while providing investors with the opportunity to earn competitive returns. The marketplace aims to create financial benefits for both borrowers and investors in a straightforward and efficient manner.

GAIN Credit, Inc. is a fintech company that specializes in providing innovative credit solutions to underserved customers. Founded in 2003 and based in San Diego, California, with additional offices in London and India, the company operates under several brands, including Drafty, Lending Stream, and OYE. Drafty offers a flexible line-of-credit solution, allowing customers to set their own borrowing limits within an approved amount. Lending Stream provides digital loans for a six-month term in the United Kingdom, while OYE focuses on digitizing the unsecured lending process. GAIN Credit aims to address the needs of individuals who may not have access to traditional financial services, utilizing advanced analytics and technology to enhance the lending experience and ensure responsible access to credit.

Credit Karma is a personal finance company founded in 2007 and headquartered in San Francisco, California. It aims to assist individuals in making informed financial decisions by providing access to free credit scores and reports, along with credit monitoring services. The platform offers a variety of tools and personalized recommendations that help users improve their financial standing, such as credit report cards and loan savings suggestions. With over 100 million members, Credit Karma empowers users to monitor their credit health and gain insights into their financial situations, ultimately facilitating better financial progress.

Prosper Marketplace Inc. is a peer-to-peer online credit marketplace based in San Francisco, California, founded in 2005. The company facilitates connections between individuals seeking consumer loans and those willing to invest in these loans, including both individuals and institutions. Prosper’s platform offers a range of fixed-rate, amortizing, and unsecured personal loans, all characterized by transparency, low fees, and no prepayment penalties. By utilizing a data-driven underwriting model, Prosper enables borrowers to access affordable loans while providing investors with the opportunity to earn competitive returns. The marketplace aims to create financial benefits for both borrowers and investors in a straightforward and efficient manner.

China Rapid Finance is an online consumer lending marketplace that focuses on providing access to credit for China's emerging middle class. Founded in 2001 by Dr. Zane Wang, the company aims to tap into the vast potential of the consumer credit market, which is projected to exceed RMB 5.4 trillion (approximately US $870 billion) by 2020. The company leverages advanced technology, including a proprietary Big Data analytics platform and an automated credit decisioning system, to offer socially inclusive financing to around 500 million economically active individuals who have traditionally lacked access to bank credit. With a strong emphasis on credit risk management and transparency, China Rapid Finance operates with over 5,000 employees and maintains 80 data verification centers throughout the country. Dr. Wang, a noted expert in consumer credit innovation, has played a pivotal role in shaping the company's direction and the broader lending marketplace in China.