Startup Wise Guys

Startup Wise Guys is an accelerator and early-stage program based in Tallinn, Estonia, founded in 2012. It runs intensive up to five-month programs that validate and develop products and prepare founders to sell to business customers, culminating in demo days before venture capitalists and angel investors. The company focuses on B2B software as a service, fintech, cybersecurity, sustainability, and related tech sectors across Europe, and has accelerated more than 300 startups with a startup survival rate above 80%. It operates with a network of over 200 mentors who guide startups through product validation, market entry, and fundraising, and maintains a 300+ startup alumni community spanning more than 40 countries, with ongoing alumni events for business development and fundraising.

Daniela Esposito

Chief Strategy Officer and Board Member

Attila Hudecz

Batch Managing Director

Franziska Kolk

General Partner, Africa

Andrea Orlando

Partner

Past deals in Personal Finance

Monkee

Seed Round in 2025
Monkee is a financial savings platform that blends personal finance management with loyalty and cashback incentives. The platform helps users save toward specific goals while consciously shopping, offering goal-oriented saving tools, spending tracking, and cashback from partner retailers to reinforce saving behaviors. It positions itself as a responsible Save Now, Buy Later alternative by linking saving goals with purchases. The service also enables retailers to engage consumers through relevant rewards based on savings and purchasing activity, aiming to improve conversion and retention. Monkee was founded in Austria and launched its app in Germany and Austria, focusing on core European markets.

Monkee

Seed Round in 2024
Monkee is a financial savings platform that blends personal finance management with loyalty and cashback incentives. The platform helps users save toward specific goals while consciously shopping, offering goal-oriented saving tools, spending tracking, and cashback from partner retailers to reinforce saving behaviors. It positions itself as a responsible Save Now, Buy Later alternative by linking saving goals with purchases. The service also enables retailers to engage consumers through relevant rewards based on savings and purchasing activity, aiming to improve conversion and retention. Monkee was founded in Austria and launched its app in Germany and Austria, focusing on core European markets.

Monkee

Seed Round in 2023
Monkee is a financial savings platform that blends personal finance management with loyalty and cashback incentives. The platform helps users save toward specific goals while consciously shopping, offering goal-oriented saving tools, spending tracking, and cashback from partner retailers to reinforce saving behaviors. It positions itself as a responsible Save Now, Buy Later alternative by linking saving goals with purchases. The service also enables retailers to engage consumers through relevant rewards based on savings and purchasing activity, aiming to improve conversion and retention. Monkee was founded in Austria and launched its app in Germany and Austria, focusing on core European markets.

Cabal App

Seed Round in 2023
Cabal is a financial application designed for entrepreneurs and micro-entrepreneurs, particularly in Latin America. It enables users to manage their finances effectively by keeping records of daily transactions related to sales, expenses, and inventory. The app offers features that allow business owners to customize their stores and streamline order processing from customers, all accessible from their mobile devices. With over 70,000 users globally, Cabal empowers small business owners to take control of their operations and make informed financial decisions from anywhere.

TeklifimGelsin

Seed Round in 2022
TeklifimGelsin is a personalized financial platform that helps users compare offers from various institutions for loans, investments, and insurance. It facilitates swift application processes, typically under 40 seconds, and provides complimentary services including credit score reports.

Tunzaa Fintech

Seed Round in 2022
Tunzaa is an online savings platform designed to enhance the financial habits of unbanked consumers in Africa. It provides a save-now-buy-later infrastructure that allows users to save money and make purchases from a curated selection of trusted merchants. By catering to individuals with average or below-average incomes, Tunzaa facilitates a data-driven marketplace where users can manage their finances more effectively. The platform enables customers to make installment payments directly from their mobile money wallets, allowing them to achieve their purchasing goals at a pace that suits their financial situation.

Sortika

Seed Round in 2022
Sortika is a mobile-based personal wealth management service that aims to democratize savings and investments through its innovative micro-savings platform. The company provides a personal financial management app that enables users to set and achieve their financial and personal goals while simplifying the financial planning process. By offering tools that facilitate effective savings and investment strategies, Sortika empowers consumers to take control of their financial futures.

Anachron Technologies

Pre Seed Round in 2022
A Fintech as a Service Platform empowering Entrepreneurs, Startups, & Banks to build and launch Fintech products using pre-existing APIs and No Code templates under a Pay as you Go model. Today we operate in the Investment & Personal Financial Management verticals, helping entrepreneurs go from Idea Stage to MVP to Product in the fastest, easiest, and cheapest way possible.

Monkee

Seed Round in 2022
Monkee is a financial savings platform that blends personal finance management with loyalty and cashback incentives. The platform helps users save toward specific goals while consciously shopping, offering goal-oriented saving tools, spending tracking, and cashback from partner retailers to reinforce saving behaviors. It positions itself as a responsible Save Now, Buy Later alternative by linking saving goals with purchases. The service also enables retailers to engage consumers through relevant rewards based on savings and purchasing activity, aiming to improve conversion and retention. Monkee was founded in Austria and launched its app in Germany and Austria, focusing on core European markets.

Tipit

Pre Seed Round in 2022
Tipit develops a financial service technology that enables cashless tipping for customers. It provides direct tipping to employees' personal bank accounts. Tipit is based at Vilnius, Lithuania.

Planet42

Venture Round in 2021
Planet42 democratizes mobility by providing access to personal vehicles on a subscription basis. It purchases second-hand cars from dealers and offers them to customers without the need for physical inspection or in-person meetings, promoting financial inclusion.

Kernolab

Pre Seed Round in 2021
Kernolab is a fintech company that specializes in providing a platform for businesses to integrate financial features directly into their products. The services offered by Kernolab include accounts, payments, cards, loans, and insurance, all designed to be adaptable to customer needs. The company's platform focuses on enhancing user experience by being intuitive, secure, and easy to use. By embedding these financial functionalities, Kernolab enables companies to improve end-user retention and drive revenue growth while offering better fintech products tailored to their customers' requirements.

Jeff

Seed Round in 2021
Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

Finmap

Pre Seed Round in 2021
Founded in London in 2018, Finmap is a cash flow management tool designed for small and mid-sized businesses. It provides real-time visibility into business finances, helping to avoid cash gaps and make informed decisions. The platform analyzes key financials like cash flows and profitability statements, automates financial routines via bank and accounting tool integrations, and optimizes analytical reports.

Jeff

Seed Round in 2021
Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

Monkee

Seed Round in 2021
Monkee is a financial savings platform that blends personal finance management with loyalty and cashback incentives. The platform helps users save toward specific goals while consciously shopping, offering goal-oriented saving tools, spending tracking, and cashback from partner retailers to reinforce saving behaviors. It positions itself as a responsible Save Now, Buy Later alternative by linking saving goals with purchases. The service also enables retailers to engage consumers through relevant rewards based on savings and purchasing activity, aiming to improve conversion and retention. Monkee was founded in Austria and launched its app in Germany and Austria, focusing on core European markets.

Kernolab

Pre Seed Round in 2021
Kernolab is a fintech company that specializes in providing a platform for businesses to integrate financial features directly into their products. The services offered by Kernolab include accounts, payments, cards, loans, and insurance, all designed to be adaptable to customer needs. The company's platform focuses on enhancing user experience by being intuitive, secure, and easy to use. By embedding these financial functionalities, Kernolab enables companies to improve end-user retention and drive revenue growth while offering better fintech products tailored to their customers' requirements.

ForPeeps

Pre Seed Round in 2020
ForPeeps is a mobile banking application designed to consolidate various banking services into a single platform. It enables users to link multiple bank accounts, facilitating seamless money transfers, online payments, and bill splitting. This financial technology aims to simplify the banking experience by allowing users to manage their financial transactions easily and efficiently within one application.

Spenfi

Pre Seed Round in 2020
Spenfi is a developer of an expense management platform based in Vilnius, Lithuania, founded in 2019. The company offers a comprehensive solution that integrates payment cards, expenses, subscriptions, and invoices to streamline financial processes for organizations. Its platform enables finance teams to maintain control over expenditures by tracking purchases from order to payment, managing budgets, and approving expenses. Spenfi supports the issuance of both virtual and physical payment cards, facilitating an organized approach to spending while collecting valuable data and receipts. By automating repetitive tasks and integrating with existing accounting systems, Spenfi helps businesses save time and gain insights into their financial activities.

Planet42

Seed Round in 2020
Planet42 democratizes mobility by providing access to personal vehicles on a subscription basis. It purchases second-hand cars from dealers and offers them to customers without the need for physical inspection or in-person meetings, promoting financial inclusion.

Flipful

Pre Seed Round in 2019
Flipful is a company that offers an innovative solution for employees to access their earned salaries before the traditional payday, enhancing their financial flexibility. Founded in 2019, Flipful provides a platform that allows employees to receive advances on their earned wages without requiring modifications to existing payroll systems. This service aims to alleviate the financial strain on employees who may resort to borrowing from friends or family or taking out costly payday loans. By integrating seamlessly with employers' payroll processes, Flipful facilitates a straightforward way for employees to access their earned income as needed, creating mutual benefits for both employers and their workforce.

Planet42

Venture Round in 2019
Planet42 democratizes mobility by providing access to personal vehicles on a subscription basis. It purchases second-hand cars from dealers and offers them to customers without the need for physical inspection or in-person meetings, promoting financial inclusion.

Spenfi

Pre Seed Round in 2019
Spenfi is a developer of an expense management platform based in Vilnius, Lithuania, founded in 2019. The company offers a comprehensive solution that integrates payment cards, expenses, subscriptions, and invoices to streamline financial processes for organizations. Its platform enables finance teams to maintain control over expenditures by tracking purchases from order to payment, managing budgets, and approving expenses. Spenfi supports the issuance of both virtual and physical payment cards, facilitating an organized approach to spending while collecting valuable data and receipts. By automating repetitive tasks and integrating with existing accounting systems, Spenfi helps businesses save time and gain insights into their financial activities.
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