Silicon Valley Bank

Turbine Finance provides liquidity solutions to venture funds, enabling Limited Partners (LPs) to access their investments on their own timeline, maintain exposure, and gain financial flexibility. The platform facilitates loans against existing investments, allowing LPs to manage liquidity while investing in new opportunities without impacting their ongoing portfolio.

Worth AI is a software-as-a-service (SaaS) platform that utilizes artificial intelligence to enhance financial underwriting processes. The company focuses on streamlining operations by integrating various platforms, which results in faster approvals and improved compliance. Worth AI's innovative platform employs both traditional and non-traditional data sources to deliver real-time insights, thus facilitating smarter risk management and business valuations. By predicting future business outcomes and minimizing biases, the platform empowers banks, credit unions, fintech companies, and financial service providers to expedite the approval of business loans and lines of credit.

MoneyLion is a mobile banking and financial membership platform offering managed investment accounts, checking accounts, cashback rewards, lending, and personalized financial advice. It uses analytics and machine learning to understand users' finances, providing tailored solutions and encouraging good financial behavior.

JustiFi offers a comprehensive white-label fintech infrastructure, enabling businesses to accelerate their digital financial services. Its platform processes payments efficiently, optimizing transaction rates for clients and facilitating participation in funds flow economics through a simple SaaS fee structure.

Parafin is a financial infrastructure company that specializes in providing embedded financial products for small businesses through various online platforms. By simplifying the complexities of capital markets, underwriting, servicing, compliance, and customer support, Parafin enables small businesses to thrive even in uncertain economic conditions. The company has successfully partnered with major platforms such as Amazon, Walmart, DoorDash, and TikTok, extending over $8 billion in financing offers to support hundreds of thousands of businesses. Parafin's end-to-end payment processing solutions and one-click financing options empower retail sellers to enhance their gross merchandising volume while unlocking new revenue streams.

Carputty is a consumer automotive startup that offers a flexible and transparent car loan service designed to simplify the financing process for customers. Founded in 2020 by Patrick Bayliss and Joshua Tatum, the company provides a real-time line of credit that can be utilized for refinancing, purchasing, or leasing vehicles. Carputty distinguishes itself with a proprietary predictive valuation tool that assists users in understanding the optimal times to buy or sell their vehicles, promoting the idea of viewing cars as valuable assets. By prioritizing customer empowerment and ease of use, Carputty aims to enhance the car financing experience.

Float provides comprehensive financial services tailored for businesses at all stages. Their offerings include corporate cards, bill payment, expense management, and high-yield accounts, empowering finance teams to efficiently manage spending and cash flow.

Achieve is a provider of digital personal finance solutions aimed at assisting individuals in improving their financial well-being. Headquartered in San Mateo, California, the company offers a range of services, including debt resolution, personal loans, and home equity loans. By utilizing proprietary data and analytics, Achieve delivers tailored financial tools and educational resources to support consumers on their financial journeys. Their approach includes personalized service and guidance from financial experts, enabling clients to manage and reduce debt, secure loans, and make informed financial decisions.

8fig is a platform that empowers e-commerce sellers to accelerate their growth. It offers flexible funding tailored to each business's supply chain requirements, enabling them to maintain and scale their operations without diluting equity.

Liberis Limited is a London-based company that specializes in providing cash advances and loans to small and medium-sized enterprises. Founded in 2005 and formerly known as Merchant Cash Express Limited, the company rebranded in 2013. Liberis offers a finance platform designed to deliver tailored financial solutions directly to businesses and through partnerships. With a focus on embedded finance, the company aims to support business growth by offering revenue-based financing and alternative financial services. Liberis operates as a subsidiary of Rapid Financial Services, LLC, enhancing its ability to cater to the financial needs of its clients.

Plum Fintech Limited, established in 2016 and headquartered in London with additional offices in Athens and Nicosia, develops Plum, an AI-driven money management application operating on Facebook Messenger. The company's software employs algorithms to analyze users' spending habits, enabling automated tracking and management of finances. As of now, Plum has assisted over 2 million individuals across Europe, offering services such as effortless saving, empowered spending, and accessible investing, including pension and tax-wrapper products.

Slope is a financial platform developer that specializes in providing a range of payment alternatives for businesses. Its platform enables clients to manage loans, underwriting, debt collection, and payouts once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope facilitates installment payments at checkout, which helps businesses improve their cash flow and financial security. Additionally, the platform allows technical teams to integrate its services into their existing frameworks, thereby reducing administrative burdens and enhancing the overall customer experience.

Alviere is a finance platform that provides embedded financial products and technology to brands and other clients. It streamlines and automates the delivery of financial services such as banking, mobile payments, card issuance, payment processing, and cross-border currency exchange, enabling its clients to strengthen customer relationships, increase revenue, and profit margins. The company offers a flexible software framework that allows businesses to launch new lines of financial services, gain customer insights, and improve satisfaction and retention by embedding finance capabilities into their offerings.

Divido is a global white-label consumer lending platform that enables financial institutions and multinational retailers to offer finance options at the point-of-purchase. Its omnichannel platform, available online, in-store, and via mobile across multiple countries through one integration, helps partners improve customer experience and increase conversion rates.

Founded in 2018, MODIFI operates an online platform facilitating global trade financing for small and medium-sized enterprises. It offers liquidity, flexibility, and cash flow management tools to simplify cross-border B2B transactions, enabling businesses to optimize working capital and expand internationally.

Clasp, known as Stride Funding, is a company dedicated to providing innovative financial solutions for students seeking educational funding. It offers flexible income sharing agreements that allow students to pay a percentage of their future earnings rather than adhering to a fixed repayment schedule associated with traditional student loans. This structure ensures that repayments remain affordable and directly aligned with the student's income, promoting financial wellness. Clasp aims to protect students from financial strain during periods of adverse career outcomes while also capping total repayments to support their long-term financial security. The company has garnered recognition as a leading venture in the fintech space, receiving endorsements from institutions like Harvard and MIT, and has attracted investments from notable venture firms. Clasp was founded with the mission of transforming the student funding landscape, focusing on both financial support and career development.

Lighter Capital is a fintech company based in Seattle, Washington, that offers a unique fundraising solution for early-stage technology companies. Founded in 2010, it specializes in providing non-dilutive growth capital, allowing founders to access up to $2 million quickly and efficiently. Lighter Capital employs a transparent, data-driven approach to financing, streamlining the process compared to traditional funding methods. The firm serves a diverse range of sectors, including software, media, human capital services, food products, and commercial banking, focusing on helping growth-oriented businesses secure the financial resources they need to expand.

Float provides comprehensive financial services tailored for businesses at all stages. Their offerings include corporate cards, bill payment, expense management, and high-yield accounts, empowering finance teams to efficiently manage spending and cash flow.

Founded in 2014, Gig Wage is a Dallas-based fintech company specializing in payroll solutions for gig workers and contractors. Its platform enables businesses to efficiently manage contractor payments and compliance while providing transparency to gig workers.

Founded in 2018, MODIFI operates an online platform facilitating global trade financing for small and medium-sized enterprises. It offers liquidity, flexibility, and cash flow management tools to simplify cross-border B2B transactions, enabling businesses to optimize working capital and expand internationally.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Stilt Inc. is a financial technology company based in San Francisco, California, founded in 2015. It specializes in providing collateral-free personal loans to international students, graduates, immigrants, and underserved individuals in the United States who have limited or no credit history. Stilt's innovative lending platform employs both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at competitive interest rates. By facilitating access to capital, Stilt aims to empower immigrants and non-citizens in building their credit profiles and achieving financial stability.

Liberis Limited is a London-based company that specializes in providing cash advances and loans to small and medium-sized enterprises. Founded in 2005 and formerly known as Merchant Cash Express Limited, the company rebranded in 2013. Liberis offers a finance platform designed to deliver tailored financial solutions directly to businesses and through partnerships. With a focus on embedded finance, the company aims to support business growth by offering revenue-based financing and alternative financial services. Liberis operates as a subsidiary of Rapid Financial Services, LLC, enhancing its ability to cater to the financial needs of its clients.

Upgrade operates an online lending platform offering personal loans, the Upgrade Card, credit health monitoring, and educational tools. It serves both mainstream consumers and those underserved by traditional banking, aiming to provide affordable and responsible credit access.

Nearside is a financial services company that specializes in providing credit financing to small and medium-sized businesses (SMBs). The company focuses on offering lines of credit to business owners who may encounter challenges in obtaining financing from traditional sources. Nearside aims to empower these entrepreneurs by providing not only access to credit but also the necessary tools and support to help them succeed in their ventures. Through its services, Nearside seeks to facilitate growth and financial stability for SMBs, ensuring they have the resources needed to thrive in a competitive market.

TotallyMoney is a UK consumer credit platform that operates the TotallyMoney.com credit comparison site. It owns and operates a platform that lets users compare credit cards, loans, and mortgages from UK lenders and check eligibility. The service provides a free credit report and live credit score, and uses technology such as Borrowing Power and Match Factor to help customers find suitable financial products, make informed decisions, and build stronger credit histories. Founded in 2006 and headquartered in London, TotallyMoney originated as Media Ingenuity and later became part of the Media Ingenuity Group. The company aims to transform the consumer credit market by increasing transparency and fairness for borrowers.

Finitive is a financial technology platform that facilitates access to alternative lending investments for institutional investors without any associated fees. By leveraging a highly selective process and a seasoned investment team, Finitive effectively connects capital to its originator partners across a diverse range of non-bank lending sectors, including specialty finance, online lending, marketplace lending, and private credit funds. This platform enables institutional investors to swiftly engage with private credit transactions, while originator partners benefit from streamlined access to a global network of investors actively seeking opportunities in the alternative lending market.

Borrowell is a Toronto-based fintech that provides personal loans, unsecured consumer credit and an online lending marketplace. It offers free credit scores, credit education, and weekly monitoring, along with tools such as personalized credit coaching and AI-powered product recommendations to help customers access low-interest loans, manage debt, and improve financial well-being.

Finclude is a company that has developed a pan-European credit scoring system aimed at enabling businesses to evaluate consumers' creditworthiness based on their transactional behavior, irrespective of their credit history. The platform aggregates and interprets transactional data from various banks, allowing for a comprehensive assessment of an individual's affordability and creditworthiness. This innovative approach assists customers in making informed credit decisions by providing a clearer view of potential borrowers' financial behaviors and capabilities. Finclude's solution addresses the limitations of traditional credit scoring methods, thereby expanding access to credit for a broader range of individuals.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Upgrade operates an online lending platform offering personal loans, the Upgrade Card, credit health monitoring, and educational tools. It serves both mainstream consumers and those underserved by traditional banking, aiming to provide affordable and responsible credit access.

Bluevine is a financial technology company dedicated to improving the financial landscape for small business owners through tailored banking solutions. Established in 2013, Bluevine has rapidly expanded its customer base to over 400,000 across all 50 states and has facilitated more than $13 billion in financing. The company specializes in working capital management, offering products such as business lines of credit and invoice factoring. Through these services, Bluevine provides immediate access to capital, enabling businesses to manage payroll, purchase supplies, and invest in growth. With a strong commitment to innovation, security, and customer care, Bluevine aims to empower small businesses to focus on their core operations and future expansion.

Reonomy specializes in commercial real estate data and analytics. It uses big data, partnerships, and machine learning to provide comprehensive property intelligence, enabling professionals to discover new opportunities and make informed decisions.

Bluevine is a financial technology company dedicated to improving the financial landscape for small business owners through tailored banking solutions. Established in 2013, Bluevine has rapidly expanded its customer base to over 400,000 across all 50 states and has facilitated more than $13 billion in financing. The company specializes in working capital management, offering products such as business lines of credit and invoice factoring. Through these services, Bluevine provides immediate access to capital, enabling businesses to manage payroll, purchase supplies, and invest in growth. With a strong commitment to innovation, security, and customer care, Bluevine aims to empower small businesses to focus on their core operations and future expansion.

Upgrade operates an online lending platform offering personal loans, the Upgrade Card, credit health monitoring, and educational tools. It serves both mainstream consumers and those underserved by traditional banking, aiming to provide affordable and responsible credit access.

Bluevine is a financial technology company dedicated to improving the financial landscape for small business owners through tailored banking solutions. Established in 2013, Bluevine has rapidly expanded its customer base to over 400,000 across all 50 states and has facilitated more than $13 billion in financing. The company specializes in working capital management, offering products such as business lines of credit and invoice factoring. Through these services, Bluevine provides immediate access to capital, enabling businesses to manage payroll, purchase supplies, and invest in growth. With a strong commitment to innovation, security, and customer care, Bluevine aims to empower small businesses to focus on their core operations and future expansion.

Finova Financial LLC, founded in 2015 and based in Palm Beach Gardens, Florida, operates a digital financial services platform focused on providing accessible loans to financially underserved Americans. By leveraging the equity in vehicles, Finova offers a Car Equity Line of Credit (C-LOC) that significantly reduces costs compared to traditional lending options. The C-LOC facilitates fast, affordable loans with instant approval and same-day cash funding. Clients benefit from a user-friendly online portal that allows for real-time management of financial health, with the ability to make payments conveniently through computers or mobile devices. Finova's approach aims to build positive relationships with clients, offering not only credit solutions but also ongoing financial education to support economic improvement. Through this innovative platform, Finova seeks to address the financial needs of millions while fostering financial responsibility and growth.

Reonomy specializes in commercial real estate data and analytics. It uses big data, partnerships, and machine learning to provide comprehensive property intelligence, enabling professionals to discover new opportunities and make informed decisions.

LendKey Technologies operates a cloud-based platform that enables refinancing of student loans through credit unions and community banks. It offers options for graduates to consolidate and refinance existing debt, private student loans for undergraduate and graduate students, and home improvement loans via its contractor network.

Bluevine is a financial technology company dedicated to improving the financial landscape for small business owners through tailored banking solutions. Established in 2013, Bluevine has rapidly expanded its customer base to over 400,000 across all 50 states and has facilitated more than $13 billion in financing. The company specializes in working capital management, offering products such as business lines of credit and invoice factoring. Through these services, Bluevine provides immediate access to capital, enabling businesses to manage payroll, purchase supplies, and invest in growth. With a strong commitment to innovation, security, and customer care, Bluevine aims to empower small businesses to focus on their core operations and future expansion.

LendingClub Corporation is an online lending marketplace based in San Francisco, California, that connects creditworthy borrowers with investors. Founded in 2006, the platform offers a variety of unsecured personal loan products, including options for education, patient finance, auto refinancing, and small business loans. By facilitating direct investment in these loans, LendingClub provides investors access to an asset class that has traditionally been limited to institutional investors. The company generates most of its revenue through transaction fees from its role in processing loan applications and working with bank partners to enable loan originations. This approach aims to simplify and accelerate the lending process, making it more accessible for consumers and beneficial for investors.

Nomis Solutions specializes in price optimization software for financial institutions. Its cloud-based platform offers real-time market intelligence, enabling data-driven decisions in margin management and pricing strategy across retail banking and mortgage lending. The company's solutions include Nomis Mortgage, Nomis Price Manager, Nomis Price Optimizer, and Nomis Deal Manager, serving various financial products such as auto finance, consumer deposits, home equity, mortgage, personal lending, and small businesses.