Symbiotics Group

Lorien Finance is a cross-border FinTech platform that focuses on providing affordable financial solutions to immigrants, specifically students and temporary workers relocating to the United States. The company specializes in offering student loans tailored for Indian students pursuing higher education in the U.S., ensuring they have access to necessary funding at competitive interest rates. Additionally, Lorien Finance provides retail banking services that facilitate access to U.S. banking products, helping immigrants manage their finances effectively during their transition. By addressing the unique financial needs of this demographic, Lorien Finance aims to support educational aspirations and improve financial inclusion for immigrants.

Credit Fair is a fintech startup focused on providing consumer lending solutions in India. It aims to serve the underserved population by offering accessible and affordable credit options for both businesses and individuals.

Maxxa is a financial services firm based in Santiago, Chile, focused on creating tailored financial products for small and medium-sized businesses (SMBs). With a commitment to addressing the challenges posed by traditional banking institutions, Maxxa offers a range of services, including credit lines, guarantees, working capital, company accounts, and cards. The firm has successfully served over 26,000 SMB customers and has taken on more than $1.3 billion in credit risk, demonstrating its capacity to support the financial needs of its clients. Maxxa is recognized for its high customer satisfaction, achieving a world-class Net Promoter Score of 82, reflecting its dedication to delivering effective financial solutions for SMB founders.

Spark Energy Services works with experienced developers across Africa, providing their partners with up to 100% upfront financing for the installation of on-site renewable energy and energy efficiency equipment for C&I businesses. Spark provides access to a diversified portfolio of clean energy projects across Africa, offering investors a climate-positive investment with a strong, transparent, and robustly measured ESG profile. Through their development partners, Spark offers C&I companies a zero up-front cost solution to their energy needs, whilst significantly reducing their monthly power bills.

Varthana is a financial services company that partners with committed education entrepreneurs to enhance access to quality education for underprivileged communities. It offers tailored loans for infrastructure development, teacher training programs, and other educational initiatives in low-cost private schools.

Khan Bank is a universal bank based in Mongolia, providing a wide range of banking and financial services to consumers, small and medium enterprises, and corporate clients. The bank offers various products including consumer loans, mortgage loans, herd loans, and business loans. In addition to traditional lending, Khan Bank provides internet and telephone banking services, banking card services, and facilitates foreign payments. The institution also engages in insurance brokerage services, aiming to support customers in their financial growth and contribute positively to societal well-being.

AMK Microfinance Institution Plc, established in 2001 and headquartered in Phnom Penh, Cambodia, specializes in providing microfinance services to low-income individuals and communities across the country. The company offers a range of financial products including loans, deposits, money transfers, micro-insurance, payment services, payroll services, and international remittance services. As of 2018, AMK operates as a subsidiary of The Shanghai Commercial & Savings Bank, Ltd., with over 2,300 staff serving nearly 600,000 clients in approximately 13,000 villages nationwide, representing 89% of all villages in Cambodia.

Accial Capital, founded in 2017 and headquartered in Massachusetts, is a tech-enabled investment firm focused on small business and consumer loan portfolios in Latin America and Southeast Asia. The firm collaborates with technology-driven loan originators in emerging markets to facilitate financing for consumers and small businesses. By leveraging data, technology, and credit expertise, Accial Capital aims to enhance credit accessibility and promote financial health in these regions. The company offers institutional investors an opportunity to engage in a diversified portfolio of private debt across multiple countries and platforms, targeting high-yield investments while contributing positively to the communities it serves.

Mufin Green Finance is an Indian non-banking finance company that focuses on providing financial services primarily in the electric vehicle (EV) sector. The company specializes in offering various loan products, including used-car loans, personal loans, unsecured working capital loans, property loans, two-wheeler loans, and educational loans. Mufin Green Finance derives its revenue mainly from interest income generated through these financing activities. By concentrating on the burgeoning EV market, the company aims to support the transition to sustainable transportation while catering to diverse customer financing needs.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

TerraPay is a global payment network facilitating secure cross-border fund transfers. It connects financial service providers, enabling interpersonal transfers, e-payments, and government disbursements via mobile wallets. TerraPay offers platform-agnostic integration through standard APIs, reducing operational costs for partners while assuming end-to-end regulatory compliance.

Aye Finance is a finance company specializing in providing business loans to micro and small enterprises. It leverages technology and robust processes to deliver customer-centered financial services, aiming to facilitate better financial inclusion.

Zeepay Ghana Limited is a Ghanaian-owned mobile financial services company that specializes in integrated mobile payment solutions. Headquartered in Accra, Ghana, Zeepay offers a mobile money payment application that facilitates various financial transactions, including mobile money payments, bill payments, airtime top-ups, instant domestic money transfers, and international remittances. The company aims to serve both unbanked and banked populations by providing easy access to financial services and enhancing payment and collection processes. Zeepay operates as an aggregator, consolidating transactions from various players on a single platform and supporting the integration of different payment systems, including banks, merchants, and mobile network operators. Its platform is built on open-source technology, enabling seamless connectivity between mobile wallets, bank accounts, and other financial assets. Additionally, Zeepay offers services such as cash-in and cash-out, peer-to-peer payments, as well as loyalty and campaign management solutions.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Baobab+ is a social business that expands access to energy and digital services by offering innovative products paired with financing options. The company markets items such as solar kits, solar generators, smartphones, and cookstoves through affordable repayment plans designed for local populations. By providing these products with financing, Baobab+ aims to help underserved communities improve living standards, create income opportunities, and participate more fully in the digital economy.

MFS Africa Limited is a leading provider of mobile money interoperability in Africa, facilitating seamless money transfers and payments across the continent. Established in 2009 and headquartered in Accra, Ghana, the company connects mobile network operators through a unified API, enabling a range of services including remittances, merchant and bulk payments, as well as bank-to-wallet transfers. MFS Africa serves various stakeholders, including money transfer operators, banks, and mobile money operators, by offering alternatives for remittances, micro-lending, micro-insurance, and micro-savings. With additional offices in key African cities and London, MFS Africa plays a crucial role in enhancing financial connectivity and promoting financial inclusion across the region.

Equity Group Holdings is a financial services provider based in Nairobi, Kenya. It operates primarily through Equity Bank Kenya, which is a licensed commercial bank regulated by the Central Bank of Kenya. Equity Bank Kenya was established in 2014 following a corporate restructure of Equity Group Holdings Limited. The organization offers a range of banking and financial services aimed at various customer segments, contributing to the financial inclusion and economic empowerment of individuals and businesses in the region.

Founded in 2012, Tugende is a Ugandan company that provides finance and business assets to informal sector entrepreneurs and micro, medium, and small-sized enterprises. It offers lease-to-own financing for income-generating assets such as motorcycles (bodas), taxis, matatus, boat engines, and other equipment like smartphones, salon gear, shop fridges, and sewing machines. Tugende also provides value-added services including insurance, safety training, GPS tracking, and genuine parts.

Sempli operates an online lending platform in Colombia, designed specifically for small and medium-sized businesses (SMBs). The company aims to streamline access to capital for these enterprises by leveraging technology and data-driven insights. Through its digital banking services, Sempli facilitates efficient and convenient financing solutions, empowering SMBs to grow and create value.

Sempli operates an online lending platform in Colombia, designed specifically for small and medium-sized businesses (SMBs). The company aims to streamline access to capital for these enterprises by leveraging technology and data-driven insights. Through its digital banking services, Sempli facilitates efficient and convenient financing solutions, empowering SMBs to grow and create value.

Founded in 2014, Samunnati operates an open agri network in India, focusing on enhancing efficiency and inclusivity within agricultural value chains. It offers integrated financial intermediation, market linkages, aggregation support, and advisory services through a technology-enabled ecosystem, benefiting smallholder farmers, farmer collectives, and agri enterprises.

Sempli operates an online lending platform in Colombia, designed specifically for small and medium-sized businesses (SMBs). The company aims to streamline access to capital for these enterprises by leveraging technology and data-driven insights. Through its digital banking services, Sempli facilitates efficient and convenient financing solutions, empowering SMBs to grow and create value.

Future Farms provides climate control and hydroponic solutions. They help farmers experience optimum crop growth by using automated systems custom built with tightly integrated hardware and software to power the future of cultivation. They operate greenhouses, grow rooms, and protected crop farms with remote automation for any type of grow facility.

Sun King is a solar energy company that specializes in providing off-grid power solutions across Africa and Asia. It designs, manufactures, and distributes solar home systems, inverter systems, and portable lanterns, targeting communities with limited access to reliable electricity. Sun King offers pay-as-you-go financing options, enabling customers to acquire these products through small, affordable installments over time. The company collaborates with international distribution partners to expand its reach within the off-grid market.

Fourth Partner Energy is a Hyderabad-based company specializing in turnkey rooftop solar energy solutions for customers in India. Founded in 2010, it focuses on manufacturing solar energy applications, including solar lanterns, home lighting systems, solar street lights, and photovoltaic panels. The company aims to build, develop, and manage a significant portfolio of decentralized solar power assets, positioning itself as a leading provider of renewable energy services in the region. In addition to its product offerings, Fourth Partner Energy provides financial structuring, design, turnkey execution, and panel cleaning services, ensuring customers have access to efficient power generation and maintenance solutions. As an MNRE empanelled Channel Partner and an ISO 9001:2008 certified company, it collaborates with various state bodies to promote sustainable energy initiatives.

Finsocial is a financial services company that specializes in providing credit solutions primarily for public-sector teachers and pensioners. The firm offers consumer loans that facilitate access to funds through a streamlined process where repayments are directly deducted from clients' payroll and pension payments. This approach ensures that the financial services are both affordable and efficient, allowing clients to receive quick access to credit while managing their repayments seamlessly. Finsocial's focus on this specific demographic positions it as a key player in delivering tailored financial products that meet the unique needs of educators and retirees.

Zola Electric is a provider of off-grid solar solutions focused on the African market, specifically operating in Tanzania, Rwanda, Ghana, and the Ivory Coast. Founded in 2012 and based in Arusha, Tanzania, with an office in San Francisco, the company specializes in renewable energy systems that leverage advanced solar, battery, and power electronics technology. Zola Electric offers solar home kits through a leasing or purchase model, enabling households and businesses to access clean and affordable energy. The company employs a pay-as-you-go micro-finance system that accommodates varying energy needs and income levels, powering over 180,000 homes and businesses. Recognized for its innovative approach, Zola Electric has received several awards, including the UN Momentum for Change Award and the Zayed Future Energy Prize, and is included in the Global Cleantech 100.

KiWi operates a mobile point-of-sale platform that enables micro, small, and medium enterprises to accept credit and debit card payments via smartphones and tablets. The service is designed to be user-friendly and offers the lowest commission rates in the market, eliminating forced deadlines, monthly payments, or annuities. By promoting the acceptance of card payments, KiWi aims to enhance financial security and accuracy for its users, ultimately supporting business growth and improving cash flow for entrepreneurs.

M-KOPA offers connected asset financing solutions, combining digital micropayments and IoT connectivity. It provides access to essential products like solar lighting, televisions, fridges, smartphones, and financial services for underbanked customers without requiring credit history or assets.

Myanmar Finance International Ltd. (MFIL) was established on September 1, 2014, through a partnership between Myanmar Finance Company Limited, a local entity, and Myanmar Investments Limited, a Singaporean firm. Based in Yangon, MFIL operates as a microfinance institution, offering financial services to small businesses and entrepreneurs. The company specializes in providing microfinance solutions that enable clients to develop and expand their enterprises without the need for physical collateral. Additionally, MFIL provides deposit-taking services, allowing clients to securely save their funds while accessing essential financial support to grow their operations.

DFCC Bank offers a range of financial services including commercial banking, loans, deposits, leasing, credit cards, trade financing, remittance services, and wealth management. It caters to individuals, corporates, small businesses, and professionals in Sri Lanka.

FarMart is an agritech company focused on empowering farmers and optimizing the agricultural supply chain. By leveraging technology, FarMart addresses the challenges faced by farmers and enhances the efficiency of the agricultural ecosystem. The company provides a platform that connects farmers with retailers and food businesses, facilitating the sharing of farm-related information and enabling easy access to crucial resources and markets. Through this innovative approach, FarMart helps farmers sell their produce at competitive prices, ultimately aiming to create a sustainable and efficient agricultural supply chain that benefits both farmers and consumers.