Speedinvest

Flow48 is a company that specializes in revenue-based financing, providing businesses with access to capital to support their operations and growth. The platform offers upfront lump-sum investments that businesses can utilize for various purposes, such as investing in inventory or capital expenditures. By doing so, Flow48 helps stabilize cash flow and encourages future revenue generation. The company's model is designed to offer rapid funding solutions along with flexible repayment options, making it an attractive choice for companies seeking to enhance their financial stability and operational efficiency.

Oze is a technology company focused on bringing small and medium-sized enterprises (SMEs) in Africa into the digital age. It offers an application that allows businesses to easily track sales, expenses, and customer information. By analyzing this data, Oze provides tailored recommendations and business education to help entrepreneurs improve their operations. The platform also connects users with Oze Coaches for additional support, enhancing their learning experience. With over 150,000 registered users, Oze claims to be the largest online community of SMEs in West Africa. The company leverages machine learning to assess credit risk, enabling it to offer affordable capital through banking partners. Notably, 97% of businesses that have utilized Oze for at least nine months report growth or profitability, indicating the effectiveness of its services in fostering business success.

Mundi is a fintech company that transforms financial technology by offering access to capital market products and opportunities to businesses of all sizes.

Vitt is a financial technology company that offers a payment platform designed to facilitate non-dilutive venture debt investment, specifically for Software as a Service (SaaS) companies. The platform enables clients to convert their monthly recurring revenues into upfront cash, thereby assisting them in managing cash flow more effectively. By integrating billing systems and maintaining subscriptions, Vitt's platform helps clients enhance their monthly payments without the concern of cash flow issues. Additionally, it provides tools for investing in treasuries, allowing businesses to optimize their savings and financial management strategies.

Flow48 is a company that specializes in revenue-based financing, providing businesses with access to capital to support their operations and growth. The platform offers upfront lump-sum investments that businesses can utilize for various purposes, such as investing in inventory or capital expenditures. By doing so, Flow48 helps stabilize cash flow and encourages future revenue generation. The company's model is designed to offer rapid funding solutions along with flexible repayment options, making it an attractive choice for companies seeking to enhance their financial stability and operational efficiency.

Morgana is a digital mortgage broker focused on transforming the mortgage industry in Latin America. By offering a streamlined application process that is five times faster than traditional methods, Morgana simplifies the loan experience for customers. The company's platform intelligently matches clients with various mortgage options based on factors such as credit size, property value, debt capacity, and risk profile. This innovative approach not only enhances accessibility to mortgage products but also positions Morgana as a competitive alternative to traditional banks in the region. With deep market knowledge and access to valuable data, Morgana is poised to lead advancements in the mortgage sector.

Toqio is a technology company founded in 2019 by Eduardo Martinez and Michael Galvin, with offices in London, Madrid, and Nairobi. It specializes in providing a platform that enables organizations to develop customized fintech solutions, either as mobile applications or web-based services. Toqio offers software integration tools tailored for the financial industry, facilitating various functions such as digital banking, onboarding, transaction monitoring, and the distribution of financial products and services. Its platform includes a marketplace of partners and supports configuration and customization, allowing companies to rapidly deploy data-driven financial propositions to their customers.

Julaya is a fintech company that provides African businesses with a comprehensive digital platform for managing payments and financial transactions. The platform enables businesses to disburse mobile money transactions to employees and suppliers while also offering virtual and physical prepaid cards. Julaya's software facilitates various financial activities, including paying utility bills, reloading credit cards, and transferring money. Additionally, it supports cash collection for fast-moving consumer goods and retailers, and provides access to digital loans. By digitizing operations through its platform, Julaya empowers businesses to utilize new digital payment methods and streamline their financial processes.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Morgana is a digital mortgage broker focused on transforming the mortgage industry in Latin America. By offering a streamlined application process that is five times faster than traditional methods, Morgana simplifies the loan experience for customers. The company's platform intelligently matches clients with various mortgage options based on factors such as credit size, property value, debt capacity, and risk profile. This innovative approach not only enhances accessibility to mortgage products but also positions Morgana as a competitive alternative to traditional banks in the region. With deep market knowledge and access to valuable data, Morgana is poised to lead advancements in the mortgage sector.

Moove is a mobility fintech company focused on providing revenue-based vehicle financing to mobility entrepreneurs across Africa. By leveraging embedded alternative credit-scoring technology, Moove integrates its services within ride-hailing, logistics, and last-mile delivery platforms. This innovative approach allows the company to assess the performance and revenue of mobility entrepreneurs, enabling it to underwrite loans for individuals who have been historically excluded from traditional financial services. Through its unique model, Moove aims to democratize vehicle ownership and enhance access to financial resources for a growing number of mobility operators in the region.

Moove is a mobility fintech company focused on providing revenue-based vehicle financing to mobility entrepreneurs across Africa. By leveraging embedded alternative credit-scoring technology, Moove integrates its services within ride-hailing, logistics, and last-mile delivery platforms. This innovative approach allows the company to assess the performance and revenue of mobility entrepreneurs, enabling it to underwrite loans for individuals who have been historically excluded from traditional financial services. Through its unique model, Moove aims to democratize vehicle ownership and enhance access to financial resources for a growing number of mobility operators in the region.

Oze is a technology company focused on bringing small and medium-sized enterprises (SMEs) in Africa into the digital age. It offers an application that allows businesses to easily track sales, expenses, and customer information. By analyzing this data, Oze provides tailored recommendations and business education to help entrepreneurs improve their operations. The platform also connects users with Oze Coaches for additional support, enhancing their learning experience. With over 150,000 registered users, Oze claims to be the largest online community of SMEs in West Africa. The company leverages machine learning to assess credit risk, enabling it to offer affordable capital through banking partners. Notably, 97% of businesses that have utilized Oze for at least nine months report growth or profitability, indicating the effectiveness of its services in fostering business success.

Vitt is a financial technology company that offers a payment platform designed to facilitate non-dilutive venture debt investment, specifically for Software as a Service (SaaS) companies. The platform enables clients to convert their monthly recurring revenues into upfront cash, thereby assisting them in managing cash flow more effectively. By integrating billing systems and maintaining subscriptions, Vitt's platform helps clients enhance their monthly payments without the concern of cash flow issues. Additionally, it provides tools for investing in treasuries, allowing businesses to optimize their savings and financial management strategies.

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

Moove is a mobility fintech company focused on providing revenue-based vehicle financing to mobility entrepreneurs across Africa. By leveraging embedded alternative credit-scoring technology, Moove integrates its services within ride-hailing, logistics, and last-mile delivery platforms. This innovative approach allows the company to assess the performance and revenue of mobility entrepreneurs, enabling it to underwrite loans for individuals who have been historically excluded from traditional financial services. Through its unique model, Moove aims to democratize vehicle ownership and enhance access to financial resources for a growing number of mobility operators in the region.

Toqio is a technology company founded in 2019 by Eduardo Martinez and Michael Galvin, with offices in London, Madrid, and Nairobi. It specializes in providing a platform that enables organizations to develop customized fintech solutions, either as mobile applications or web-based services. Toqio offers software integration tools tailored for the financial industry, facilitating various functions such as digital banking, onboarding, transaction monitoring, and the distribution of financial products and services. Its platform includes a marketplace of partners and supports configuration and customization, allowing companies to rapidly deploy data-driven financial propositions to their customers.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Lummo empower entrepreneurs and brands in SEA to accelerate their growth and to serve their customers by giving them the best technology.

Bnext is a fintech platform based in Madrid, Spain, that redefines banking by offering a comprehensive digital banking experience without the need for traditional banks. It allows users to establish current accounts quickly, providing nearly all the functionalities of conventional banking. A key feature of Bnext is its Marketplace, which grants users access to a curated selection of financial products from various fintechs and banks, tailored to meet individual needs. Users can manage their existing bank accounts alongside Bnext's offerings, enabling them to oversee their entire financial landscape in one place. The platform emphasizes collaboration with financial service providers to present the best available options, rather than relying on commission-based sales of products. Bnext's diverse portfolio includes offerings such as loans, real estate investments, and crowdfunding opportunities, positioning it as a pioneering force in the emerging landscape of digital banking.

Lizza GmbH, a subsidiary of Peter Cremer Holding GmbH & Co. KG, operates as a marketplace for e-commerce brands and content creators. The company focuses on promoting healthy food options, aiming to enhance consumer enjoyment while contributing positively to the world. In addition to its marketplace activities, Lizza has developed a financial application that facilitates short-term cash loans. This application allows users to obtain personal loans online quickly and easily, without requiring a credit history or extensive paperwork, and ensures transparency by avoiding hidden fees. Through its dual approach, Lizza seeks to combine health-conscious food offerings with accessible financial solutions.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Bnext is a fintech platform based in Madrid, Spain, that redefines banking by offering a comprehensive digital banking experience without the need for traditional banks. It allows users to establish current accounts quickly, providing nearly all the functionalities of conventional banking. A key feature of Bnext is its Marketplace, which grants users access to a curated selection of financial products from various fintechs and banks, tailored to meet individual needs. Users can manage their existing bank accounts alongside Bnext's offerings, enabling them to oversee their entire financial landscape in one place. The platform emphasizes collaboration with financial service providers to present the best available options, rather than relying on commission-based sales of products. Bnext's diverse portfolio includes offerings such as loans, real estate investments, and crowdfunding opportunities, positioning it as a pioneering force in the emerging landscape of digital banking.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

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

Curve is a digital wallet company that offers a unique platform designed to consolidate multiple payment cards and accounts into a single application, enhancing the way users manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing innovative features that actively save money on transactions. The wallet eliminates hidden foreign transaction fees, enables users to switch payment cards post-purchase, and allows for the accumulation of rewards alongside existing card benefits. With over six million customers globally, Curve processes billions in payments annually and is authorized by financial regulators in the UK, EEA, and the US. By integrating advanced wallet technology, Curve positions itself at the forefront of financial innovation, combining the benefits of traditional banking with the flexibility of digital finance.

EstateGuru is a leading Pan-European marketplace that specializes in facilitating property-backed loans for small and medium-sized enterprises (SMEs) and offering investment opportunities to a global investor base. The company aims to create a digital and borderless ecosystem for real estate financing across Europe and beyond. By connecting various service providers, SMEs, and investors, EstateGuru provides a unique, seamless, and cross-border digital service that differentiates it from traditional financial institutions. The platform enhances investment returns for investors while expanding access to financing for borrowers, effectively bypassing conventional banking channels. Headquartered in Tallinn, Estonia, EstateGuru employs a diverse team of 117 professionals across multiple locations, including Berlin, Manchester, Helsinki, Yerevan, Riga, and Vilnius.

Credi2 is a company that develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. Utilizing a proven technology platform, Credi2 automates all processes, from initial customer contact to the management of outstanding claims. The company collaborates with several notable financial institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. Among its well-known offerings is cashpresso, an app that allows users to manage expenses through flexible credit lines and pay in adjustable installments. Credi2 aims to enhance the financial services landscape by providing innovative and efficient solutions tailored to customer needs.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Koin is a pioneering financial technology company in Latin America, specializing in Buy Now, Pay Later solutions that are designed to be secure and free of bureaucracy. The company provides a range of financial services for both business-to-business and business-to-consumer markets, including payment options through Pix and a robust anti-fraud solution. Koin aims to enhance the shopping experience by making consumption more accessible and valuable for consumers and corporate clients alike. By facilitating online purchases with a post-pay application that ensures payment occurs only after product receipt, Koin fosters trust between users and online retailers. In 2020, Koin was acquired by Despegar, the largest travel company in the region, further solidifying its position in the market.

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

Curve is a digital wallet company that offers a unique platform designed to consolidate multiple payment cards and accounts into a single application, enhancing the way users manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing innovative features that actively save money on transactions. The wallet eliminates hidden foreign transaction fees, enables users to switch payment cards post-purchase, and allows for the accumulation of rewards alongside existing card benefits. With over six million customers globally, Curve processes billions in payments annually and is authorized by financial regulators in the UK, EEA, and the US. By integrating advanced wallet technology, Curve positions itself at the forefront of financial innovation, combining the benefits of traditional banking with the flexibility of digital finance.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Credi2 is a company that develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. Utilizing a proven technology platform, Credi2 automates all processes, from initial customer contact to the management of outstanding claims. The company collaborates with several notable financial institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. Among its well-known offerings is cashpresso, an app that allows users to manage expenses through flexible credit lines and pay in adjustable installments. Credi2 aims to enhance the financial services landscape by providing innovative and efficient solutions tailored to customer needs.

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

Tradico AG, based in Ruggell, Liechtenstein, is a financial services company that specializes in providing bank-independent solutions for financing working capital. The company operates an online platform that connects suppliers with small and medium-sized businesses, offering quick and reliable access to capital. Clients can register online without paperwork, upload their trades, and process transactions efficiently. Tradico finances the inventory of its clients and pays supplier invoices immediately, allowing buyers more time to settle payments. This approach benefits both buyers and suppliers by streamlining the transaction process and eliminating the need for traditional bank involvement.

Credi2 is a company that develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. Utilizing a proven technology platform, Credi2 automates all processes, from initial customer contact to the management of outstanding claims. The company collaborates with several notable financial institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. Among its well-known offerings is cashpresso, an app that allows users to manage expenses through flexible credit lines and pay in adjustable installments. Credi2 aims to enhance the financial services landscape by providing innovative and efficient solutions tailored to customer needs.

Investly is a developer of peer-to-peer finance software that facilitates access to working capital for businesses by connecting them with investors. The company's platform enables small-to-medium-sized enterprises to sell invoices to investors, providing a streamlined process that allows for financing within two days of completing credit checks. This service is designed to support businesses in obtaining essential funds for growth and operational needs, while simultaneously offering investors the chance to achieve above-average returns on their investments. Through its innovative approach, Investly aims to enhance financial accessibility for businesses and create investment opportunities in the invoice finance market.

Curve is a digital wallet company that offers a unique platform designed to consolidate multiple payment cards and accounts into a single application, enhancing the way users manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing innovative features that actively save money on transactions. The wallet eliminates hidden foreign transaction fees, enables users to switch payment cards post-purchase, and allows for the accumulation of rewards alongside existing card benefits. With over six million customers globally, Curve processes billions in payments annually and is authorized by financial regulators in the UK, EEA, and the US. By integrating advanced wallet technology, Curve positions itself at the forefront of financial innovation, combining the benefits of traditional banking with the flexibility of digital finance.

EstateGuru is a leading Pan-European marketplace that specializes in facilitating property-backed loans for small and medium-sized enterprises (SMEs) and offering investment opportunities to a global investor base. The company aims to create a digital and borderless ecosystem for real estate financing across Europe and beyond. By connecting various service providers, SMEs, and investors, EstateGuru provides a unique, seamless, and cross-border digital service that differentiates it from traditional financial institutions. The platform enhances investment returns for investors while expanding access to financing for borrowers, effectively bypassing conventional banking channels. Headquartered in Tallinn, Estonia, EstateGuru employs a diverse team of 117 professionals across multiple locations, including Berlin, Manchester, Helsinki, Yerevan, Riga, and Vilnius.

Investly is a developer of peer-to-peer finance software that facilitates access to working capital for businesses by connecting them with investors. The company's platform enables small-to-medium-sized enterprises to sell invoices to investors, providing a streamlined process that allows for financing within two days of completing credit checks. This service is designed to support businesses in obtaining essential funds for growth and operational needs, while simultaneously offering investors the chance to achieve above-average returns on their investments. Through its innovative approach, Investly aims to enhance financial accessibility for businesses and create investment opportunities in the invoice finance market.