Victory Park Capital

Flex is a financial technology company that offers an end-to-end finance platform that integrates business and personal finance management. Their services include business banking with zero monthly fees, 1% cashback on eligible purchases, and high-yield accounts with up to 2.99% APY on idle cash. They provide a business credit card featuring 0% interest for 60 days on eligible purchases, unlimited cashback, and flexible rewards. Flex also offers accounts payable automation with features like fraud prevention, AI-powered bill scanning, and real-time payment tracking. Additionally, their platform supports global payments across over 180 countries in 32 currencies, catering to businesses with international operations.

Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Sétanta, focus on affordable and attainable housing, offers acquisition and development financing to developers in key markets. The program combines industry expertise with institutional underwriting, documentation, and servicing, allowing developers to deploy significant capital on an annual basis.

Zip Co offers point-of-sale credit and digital payment services to consumers and merchants worldwide. It provides interest-free credit options through its Buy Now Pay Later service, allowing consumers to split repayments into equal instalments. Additionally, Zip Co offers personal finance management tools and unsecured loans to small businesses.

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 platform offering deposit and credit services. It provides instant credit, no-commission cashback, and withdrawal services via a card and mobile app, presenting secure, low-cost alternatives to traditional credit services.

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.

Credix is a decentralized credit platform focused on providing borrowers in emerging markets with access to capital that has been historically difficult to obtain. By leveraging blockchain technology, Credix connects high-quality borrowers with global investors, creating credit lines that offer attractive yields. The platform serves as an infrastructure for businesses and marketplaces, facilitating lending, underwriting, and debt collection. This approach allows for diverse credit options while ensuring that investors are paid upfront. Credix aims to enhance transparency and efficiency in the credit market, enabling borrowers to access funds in a more streamlined manner.

Founded in 2012, Kueski is a leading buy now, pay later (BNPL) and online consumer lending company based in Mexico. It offers financial services through its innovative product ecosystem, consisting of Kueski Pay for BNPL transactions and Kueski Cash for personal loans. The company uses artificial intelligence and big data to expand access to traditional financial products.

Tala is a global fintech company focused on providing accessible financial services to underserved populations in emerging markets. Its mobile app offers instant credit, payments, savings, and transfers, bridging the gap between digital and cash ecosystems. Tala uses advanced data science and machine learning to assess creditworthiness in real-time, enabling customers without formal credit histories to access personalized credit lines.

Founded in 2016 by Akshay Garg, Kredivo Group is Southeast Asia's leading digital financial services provider. Its flagship product, Kredivo, offers instant credit financing for e-commerce and offline purchases, personal loans, and installment payments through a modern API.

Founded in 2016 by Akshay Garg, Kredivo Group is Southeast Asia's leading digital financial services provider. Its flagship product, Kredivo, offers instant credit financing for e-commerce and offline purchases, personal loans, and installment payments through a modern API.

Zip Co offers point-of-sale credit and digital payment services to consumers and merchants worldwide. It provides interest-free credit options through its Buy Now Pay Later service, allowing consumers to split repayments into equal instalments. Additionally, Zip Co offers personal finance management tools and unsecured loans to small businesses.

Konfio is a financial services platform in Mexico that provides online lending and payment solutions for micro, small, and medium-sized businesses. It offers working capital and short-term loans, fixed-rate loans, corporate cards, and online payments. The platform uses a data-driven approach with proprietary analytics to measure creditworthiness and extend affordable credit to businesses underserved by traditional banks, supporting growth and productivity.

Branch International is a digital lending company that uses data from users' mobile devices to assess creditworthiness and offers personal loans through its Android application. Founded in 2015 and headquartered in San Francisco, it operates in multiple markets with offices in Lagos, Nairobi, Mumbai, Mexico City, and Kirkland, Washington. The company aims to reduce the cost of delivering financial services in emerging markets by applying data science to credit decisions, enabling quick loan approvals and building credit histories for users without reliance on traditional banking records. Through its mobile-first approach, Branch seeks to expand fair financial access for the mobile generation in developing regions.

Founded in 2014 and based in San Diego, California, Applied Data Finance specializes in providing loans to less-than-prime borrowers in the United States. It operates as Personify Financial and uses proprietary predictive analytics to assess credit risk, enabling institutional investors to purchase these loans through its Institutional Whole Loan Platform.

Konfio is a financial services platform in Mexico that provides online lending and payment solutions for micro, small, and medium-sized businesses. It offers working capital and short-term loans, fixed-rate loans, corporate cards, and online payments. The platform uses a data-driven approach with proprietary analytics to measure creditworthiness and extend affordable credit to businesses underserved by traditional banks, supporting growth and productivity.

Branch International is a digital lending company that uses data from users' mobile devices to assess creditworthiness and offers personal loans through its Android application. Founded in 2015 and headquartered in San Francisco, it operates in multiple markets with offices in Lagos, Nairobi, Mumbai, Mexico City, and Kirkland, Washington. The company aims to reduce the cost of delivering financial services in emerging markets by applying data science to credit decisions, enabling quick loan approvals and building credit histories for users without reliance on traditional banking records. Through its mobile-first approach, Branch seeks to expand fair financial access for the mobile generation in developing regions.

CommonBond, Inc. is an online lending company based in New York, founded in 2011. It specializes in providing financial solutions for students seeking to pay for higher education in the United States. The company offers refinancing and financing options for undergraduate and graduate student loans, including parent PLUS loans and MBA student loans. CommonBond enables students to access both fixed and variable rate products for refinancing existing loans or financing their education while enrolled. Additionally, the company provides a product called SmartSave, which allows customers to redirect their monthly savings from student loan refinancing into a wealth-generating cash account. Furthermore, CommonBond assists businesses in managing their employees' student loan debt, thereby addressing the growing concern of educational debt in the workforce.

Oakam is a UK-based digital fintech lender that provides personal credit to financially excluded or underbanked consumers. It offers short-term instalment loans for emergencies, bills and smaller debts, and longer-term lift loans for larger purchases, special events, travel and home improvements. The company delivers its services online, by phone, and through stores in London and the Midlands, and uses credit scoring to assess borrowers with the aim of expanding access to credit across the United Kingdom.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

Covalto is a Mexican financial services company that serves small and medium enterprises with credit, banking and analytics solutions. It offers a multi-product lending platform that provides agile and fair credit, factoring and leasing, complemented by a digital SME banking platform and a suite of business analytics tools. The company leverages digital tax, e-invoice and other financial data to underwrite and service SMes at scale, using credit models that emphasize overall business performance rather than relying solely on the owner's personal credit history. Covalto was founded in 2015 and is based in Mexico City. In 2021 it became the first fintech in Mexico to acquire a regulated bank, enabling expanded digital SME banking and services. The approach focuses on accessible credit that supports business growth through transparent, data-driven decisions.

Koalafi is a consumer financing company that provides lease-to-own payment solutions, enabling merchants to offer flexible pay-over-time plans to their customers regardless of their credit history. Founded in 2014, Koalafi operates a nationwide platform that facilitates point-of-sale financing across various sectors, including furniture, mattresses, appliances, tires, and HVAC systems. The company partners with over 15,000 retailers, both online and in-store, helping them enhance sales while allowing consumers to make purchases with affordable regular payments. Through its advanced technology and analytics, Koalafi aims to create positive experiences for both merchants and consumers, empowering more individuals to make necessary purchases without delay.

Koalafi is a consumer financing company that provides lease-to-own payment solutions, enabling merchants to offer flexible pay-over-time plans to their customers regardless of their credit history. Founded in 2014, Koalafi operates a nationwide platform that facilitates point-of-sale financing across various sectors, including furniture, mattresses, appliances, tires, and HVAC systems. The company partners with over 15,000 retailers, both online and in-store, helping them enhance sales while allowing consumers to make purchases with affordable regular payments. Through its advanced technology and analytics, Koalafi aims to create positive experiences for both merchants and consumers, empowering more individuals to make necessary purchases without delay.

Founded in 2012, Kueski is a leading buy now, pay later (BNPL) and online consumer lending company based in Mexico. It offers financial services through its innovative product ecosystem, consisting of Kueski Pay for BNPL transactions and Kueski Cash for personal loans. The company uses artificial intelligence and big data to expand access to traditional financial products.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

CommonBond, Inc. is an online lending company based in New York, founded in 2011. It specializes in providing financial solutions for students seeking to pay for higher education in the United States. The company offers refinancing and financing options for undergraduate and graduate student loans, including parent PLUS loans and MBA student loans. CommonBond enables students to access both fixed and variable rate products for refinancing existing loans or financing their education while enrolled. Additionally, the company provides a product called SmartSave, which allows customers to redirect their monthly savings from student loan refinancing into a wealth-generating cash account. Furthermore, CommonBond assists businesses in managing their employees' student loan debt, thereby addressing the growing concern of educational debt in the workforce.

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.

Monedo, a fintech company, leverages machine learning and alternative data sources to provide credit and digital banking services to the underbanked. Its offerings include consumer loans, a digital wallet, and a personal finance manager to help customers manage their credit score and spending. Additionally, Monedo's "Lending as a Service" model allows partners to integrate its credit products into their own platforms.

Avant, LLC is a financial technology company that operates an online marketplace lending platform, providing consumers access to personal loans for purposes such as debt consolidation, medical expenses, and family vacations. Founded in 2012, Avant utilizes big data and machine-learning algorithms to streamline credit options and offer a tailored approach to lending. The company partners with banks and financial institutions to facilitate loan processing and verification, ensuring compliance with credit policies while minimizing fraud and risk. Additionally, Avant operates an institutional marketplace that allows investors to purchase loans generated through its technology. Headquartered in Chicago, Illinois, Avant also maintains offices in Los Angeles, California, and London, United Kingdom, serving customers both domestically and internationally.

Avant, LLC is a financial technology company that operates an online marketplace lending platform, providing consumers access to personal loans for purposes such as debt consolidation, medical expenses, and family vacations. Founded in 2012, Avant utilizes big data and machine-learning algorithms to streamline credit options and offer a tailored approach to lending. The company partners with banks and financial institutions to facilitate loan processing and verification, ensuring compliance with credit policies while minimizing fraud and risk. Additionally, Avant operates an institutional marketplace that allows investors to purchase loans generated through its technology. Headquartered in Chicago, Illinois, Avant also maintains offices in Los Angeles, California, and London, United Kingdom, serving customers both domestically and internationally.

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.