Ulu Ventures

Novel Capital is a fintech funding platform that provides non-dilutive, revenue-based financing to B2B software companies. It centers on future recurring revenue, enabling entrepreneurs to access capital immediately without giving up equity. The platform pairs capital with data-driven insights and learning resources to help growth-stage businesses accelerate scale. Using key company data points and financial metrics, it delivers capital, resources, and strategic support tailored to recurring-revenue models, helping ventures grow faster while preserving ownership. The company aims to support entrepreneurs and growing businesses with flexible funding solutions aligned to revenue streams and momentum, contributing to a thriving startup ecosystem.

Wisetack operates a technology platform that enables in-person businesses to offer consumer-friendly financing options at the point of sale. Its platform integrates seamlessly with existing software platforms, allowing businesses to provide real-time lending solutions and enhance sales.

Novel Capital is a fintech funding platform that provides non-dilutive, revenue-based financing to B2B software companies. It centers on future recurring revenue, enabling entrepreneurs to access capital immediately without giving up equity. The platform pairs capital with data-driven insights and learning resources to help growth-stage businesses accelerate scale. Using key company data points and financial metrics, it delivers capital, resources, and strategic support tailored to recurring-revenue models, helping ventures grow faster while preserving ownership. The company aims to support entrepreneurs and growing businesses with flexible funding solutions aligned to revenue streams and momentum, contributing to a thriving startup ecosystem.

Pontoro is a fintech company that develops a digital securitization and liquidity platform for private market assets. Its technology integrates technical, legal, and regulatory protocols to convert traditionally illiquid private fund interests into liquid investments, increasing investor access and participation while improving efficiency for fund administration. With a focus on infrastructure debt finance, the platform seeks to address the large financing shortfall by enabling liquidity, transparency, and customization for investors and limited partners and by broadening capital flows into private markets.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

Novel Capital is a fintech funding platform that provides non-dilutive, revenue-based financing to B2B software companies. It centers on future recurring revenue, enabling entrepreneurs to access capital immediately without giving up equity. The platform pairs capital with data-driven insights and learning resources to help growth-stage businesses accelerate scale. Using key company data points and financial metrics, it delivers capital, resources, and strategic support tailored to recurring-revenue models, helping ventures grow faster while preserving ownership. The company aims to support entrepreneurs and growing businesses with flexible funding solutions aligned to revenue streams and momentum, contributing to a thriving startup ecosystem.

Pontoro is a fintech company that develops a digital securitization and liquidity platform for private market assets. Its technology integrates technical, legal, and regulatory protocols to convert traditionally illiquid private fund interests into liquid investments, increasing investor access and participation while improving efficiency for fund administration. With a focus on infrastructure debt finance, the platform seeks to address the large financing shortfall by enabling liquidity, transparency, and customization for investors and limited partners and by broadening capital flows into private markets.

Figure Technologies, Inc. is a fintech company based in San Francisco, California, that specializes in providing innovative consumer financial solutions. Founded in 2018, the company leverages blockchain technology, artificial intelligence, and advanced analytics to offer a range of financial products, including home equity lines of credit, home improvement loans, and home buy-lease back offerings. Figure aims to address consumer needs related to home improvement, debt consolidation, and retirement planning, allowing customers to access capital in as few as five days. Additionally, the company features Provenance, its blockchain platform designed for business applications, further enhancing its service offerings in the financial sector.

Plentina is a financial technology company founded in 2019 that specializes in creating alternative credit scores and applications to facilitate access to store credit financing for essential purchases, such as food and medicine, in emerging markets. By leveraging machine learning algorithms, Plentina aims to unlock financial services for underserved populations, enabling them to secure microloans and improve their purchasing power. The company's innovative approach addresses the challenges faced by individuals in these markets, helping them to access vital goods and financial resources more easily. Headquartered in its founding location, Plentina is committed to enhancing financial inclusion in regions where traditional credit systems may be inadequate.

RealBlocks is a financial technology platform designed to facilitate the online distribution of alternative investment funds by investment managers. By connecting these managers with financial advisors and institutions, RealBlocks enhances the capital-raising process across global markets. The platform offers essential tools, including built-in secondary trading, a customizable white-label onboarding experience, and an API dashboard for comprehensive management. It aims to reduce costs, improve efficiency, and enhance the overall investor experience, particularly within the realms of real estate and other alternative investments. By integrating various service providers, RealBlocks enables seamless transitions to tokenized product structures, promoting enhanced liquidity and fractionalization for its users.

Cerebro Capital, Inc. is a technology company based in Baltimore, Maryland, founded in 2017. It specializes in developing a web-based portal tailored for middle-market companies seeking to utilize credit facilities for operational needs, growth, or acquisitions. The platform integrates data from over 80 lenders and employs analytics to effectively match financing types with suitable lenders, enhancing transparency in the borrowing process. By providing a comprehensive online loan management system, Cerebro Capital aims to improve the efficiency of lending for corporate borrowers and financial intermediaries. The company equips users with access to critical market expertise, detailed term sheets, and continuous monitoring of credit standing and debt capacity, ultimately transforming how financial teams evaluate and source corporate credit.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

Wisetack operates a technology platform that enables in-person businesses to offer consumer-friendly financing options at the point of sale. Its platform integrates seamlessly with existing software platforms, allowing businesses to provide real-time lending solutions and enhance sales.

Figure Technologies, Inc. is a fintech company based in San Francisco, California, that specializes in providing innovative consumer financial solutions. Founded in 2018, the company leverages blockchain technology, artificial intelligence, and advanced analytics to offer a range of financial products, including home equity lines of credit, home improvement loans, and home buy-lease back offerings. Figure aims to address consumer needs related to home improvement, debt consolidation, and retirement planning, allowing customers to access capital in as few as five days. Additionally, the company features Provenance, its blockchain platform designed for business applications, further enhancing its service offerings in the financial sector.

Wisetack operates a technology platform that enables in-person businesses to offer consumer-friendly financing options at the point of sale. Its platform integrates seamlessly with existing software platforms, allowing businesses to provide real-time lending solutions and enhance sales.

RealBlocks is a financial technology platform designed to facilitate the online distribution of alternative investment funds by investment managers. By connecting these managers with financial advisors and institutions, RealBlocks enhances the capital-raising process across global markets. The platform offers essential tools, including built-in secondary trading, a customizable white-label onboarding experience, and an API dashboard for comprehensive management. It aims to reduce costs, improve efficiency, and enhance the overall investor experience, particularly within the realms of real estate and other alternative investments. By integrating various service providers, RealBlocks enables seamless transitions to tokenized product structures, promoting enhanced liquidity and fractionalization for its users.

Figure Technologies, Inc. is a fintech company based in San Francisco, California, that specializes in providing innovative consumer financial solutions. Founded in 2018, the company leverages blockchain technology, artificial intelligence, and advanced analytics to offer a range of financial products, including home equity lines of credit, home improvement loans, and home buy-lease back offerings. Figure aims to address consumer needs related to home improvement, debt consolidation, and retirement planning, allowing customers to access capital in as few as five days. Additionally, the company features Provenance, its blockchain platform designed for business applications, further enhancing its service offerings in the financial sector.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

Zebit, Inc. is an e-commerce company based in San Diego, California, founded in 2001. It focuses on providing credit-challenged consumers in the United States with access to a wide range of products through its website, Zebit.com. The company differentiates itself by offering a proprietary financing solution that allows customers to purchase items and pay for them in installments over six months. By leveraging consumer income data and advanced risk analytics, Zebit enables users to shop for name-brand products in a closed marketplace, thereby merging the advantages of online shopping with flexible payment options. Its revenue is generated from a diverse array of products, including electronics and e-certificates, aimed at improving financial accessibility for working Americans.

Juntos Finanzas, Inc. was founded in 2010 out of the Stanford d.school with a mission to build digital mobile tools that create financial stability for low-income consumers. Our products empower individuals to take control of their financial lives and achieve their dreams. Today, we serve low-income consumers in emerging markets who are entering financial institutions for the first time: banking, insurance, loans, etc. By partnering with banks, we distribute our products to this new market, increasing account activity, boosting deposits, and creating the foundation of financial security.

SoFi is a San Francisco–based financial services company offering lending, banking, and wealth management products designed to help individuals borrow, save, spend, and invest. Its offerings include personal loans, MBA and student loan refinancing, mortgages, checking and savings accounts, and credit cards, as well as investment and retirement planning services. The company also provides small business financing as part of its product suite. By combining digital tools with traditional financial services, SoFi targets early-stage professionals seeking to manage debt, build savings, and pursue long-term financial goals.