Victory Park Capital

Addi is a technology company that specializes in providing credit and banking solutions, focusing on point-of-sale lending. Its application enables users to apply for credit at the moment of purchase in partner stores, facilitating a buy now, pay later option with interest-free installment payments. This service promotes digital commerce by allowing consumers to access fast and affordable financing for their shopping needs, thereby enhancing the purchasing experience while supporting retailers in boosting sales.

Tradable is a software company that specializes in streamlining private credit fund operations. Its platform, Tradable Live Data Room, combines AI-driven data management, document signing, investor administration, and deal monitoring, all in one place. This allows fund managers to efficiently syndicate deals and investors to directly participate in these opportunities.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

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.

Dave Inc. is a financial services company that has developed a mobile application designed to assist users in managing their finances and avoiding bank overdrafts. Founded in 2015 in Los Angeles, the app provides features such as expense prediction, overdraft alerts, and the ability to access paycheck advances, allowing users to maintain a healthy balance. With a focus on financial wellness, Dave offers services including a $250 overdraft protection, credit building tools, and opportunities to find additional income sources. The company has rapidly gained popularity, amassing over 12 million members and positioning itself as a disruptive force in the banking sector by providing transparent financial products without hidden fees. The app serves as a digital support system for individuals seeking budgeting advice and immediate financial assistance, akin to the support one might receive from a friend or family member.

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.

Dave Inc. is a financial services company that has developed a mobile application designed to assist users in managing their finances and avoiding bank overdrafts. Founded in 2015 in Los Angeles, the app provides features such as expense prediction, overdraft alerts, and the ability to access paycheck advances, allowing users to maintain a healthy balance. With a focus on financial wellness, Dave offers services including a $250 overdraft protection, credit building tools, and opportunities to find additional income sources. The company has rapidly gained popularity, amassing over 12 million members and positioning itself as a disruptive force in the banking sector by providing transparent financial products without hidden fees. The app serves as a digital support system for individuals seeking budgeting advice and immediate financial assistance, akin to the support one might receive from a friend or family member.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, Lagos, and Kirkland. The company specializes in providing personal loans through its Android application, utilizing smartphone data to assess creditworthiness and streamline the approval process. By leveraging data science, Branch aims to reduce the cost of delivering financial services in emerging markets, thereby enhancing access to banking options for the growing middle class. Its mission is to ensure fair financial access for consumers, allowing users to build credit regardless of their banking history and circumventing challenges posed by traditional financial institutions.

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.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, Lagos, and Kirkland. The company specializes in providing personal loans through its Android application, utilizing smartphone data to assess creditworthiness and streamline the approval process. By leveraging data science, Branch aims to reduce the cost of delivering financial services in emerging markets, thereby enhancing access to banking options for the growing middle class. Its mission is to ensure fair financial access for consumers, allowing users to build credit regardless of their banking history and circumventing challenges posed by traditional financial institutions.

Oakam Ltd. is a fintech lender based in London, United Kingdom, that specializes in providing personal financial loan services aimed at financially excluded consumers. Established in 2006, Oakam offers a range of loan products, including short-term installment loans for emergencies, bills, and smaller debts, as well as long-term loans for larger purchases, special events, and home improvements. The company caters to individuals who may struggle to secure credit from traditional banks, thereby expanding access to essential financial services. Oakam provides its offerings through various channels, including online platforms, telephone services, and physical stores located in London and the Midlands. As a subsidiary of Oakam Holdings Ltd., Oakam plays a significant role in the digital micro-lending sector in the UK.

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.

The Credit Junction is a New York-based company that operates an asset-based lending platform, founded in 2014. It specializes in providing working capital, growth, and supply chain financing solutions to small and mid-size enterprises, particularly suppliers, distributors, and manufacturers with revenues between $5 million and $50 million. The Credit Junction leverages technology and data intelligence alongside traditional credit metrics to offer loans of up to $7.5 million. Its platform streamlines the application, vetting, and approval process for borrowers, who can upload relevant documents through dedicated portals. The company has strategic partnerships with several firms and serves clients in the United States and Canada.