Accion

Magma is a building materials B2B manufacturing platform and supply chain enablement platform. Its product stack includes factory and supplier-specific applications that help partner factories obtain raw materials, locate global buyers, and gain access to energy and resources. It enables factories to improve their output, practices, and global demand.

Foyer develops a savings account platform aimed at facilitating first-time home purchases. The platform combines market savings accounts with potential state tax benefits and rewards for contributions, helping users accelerate the home-buying process by saving for down payments.

Banco Contactar is a microfinance institution specializing in providing financial services to rural communities. It offers credit services, savings accounts, microinsurance, financial education, and debt insurance to support small businesses and individuals in achieving their financial goals. The company also focuses on managing and mitigating social, environmental, and climate change risks.

Finfra is an infrastructure provider that specializes in enabling non-financial platforms to incorporate lending capabilities. By offering a comprehensive financial and lending infrastructure, Finfra facilitates the integration of financial services into various technology environments. The company streamlines the process from application to decision-making to operational execution, allowing businesses to transform into fintech entities with ease. Through its services, Finfra helps companies unlock new revenue streams and enhance their operational efficiency by seamlessly embedding lending functionalities into their existing platforms.

First Circle is a financial services company based in Taguig, Philippines, founded in 2015. It focuses on providing consumer lending, mortgages, and asset-based lending services, specifically tailored for small and medium enterprises (SMEs) in Southeast Asia. The company has developed an online financing platform that offers collateral-free short-term loans and trade financing to support the growth of businesses. By leveraging advanced data analytics and a user-friendly online account system, First Circle aims to enhance access to funding for SMEs, empowering business owners to expand beyond their immediate networks. Additionally, the company offers dedicated customer support and resources to foster a community among entrepreneurs, facilitating long-term growth and opportunity.

FlexiLoans is a digital lending platform founded in 2016, headquartered in Mumbai, India. It specializes in providing quick, flexible loans to small and medium enterprises (SMEs) that lack credit history or adequate collateral, enabling growth opportunities often overlooked by traditional banking channels.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

TransBnk is a transaction banking platform designed to facilitate agile, secure, and efficient financial transactions for corporate, commercial, and institutional clients. The company leverages Embedded Finance and Software as a Service (SaaS) to enhance domestic cash management and payment processes. By working closely with banks, TransBnk offers a range of services, including escrow, trade finance, supply chain financing, and custodial services. The platform is equipped with features such as real-time settlement, fraud prevention, and compliance with regulatory requirements, thereby ensuring increased efficiency, transparency, and security for its clients.

Agrizy operates an agri-processing platform that focuses on providing supply chain solutions for agribusinesses. The company connects processors and buyers of non-perishable farm products in both food and non-food categories, including items such as jute, oilseeds, cereals, and pulses. By facilitating these connections, Agrizy enables agri suppliers to effectively manage their supplies and enhance their operational success. The platform is designed to streamline transactions, thereby supporting the overall efficiency of the agricultural supply chain.

Flowcart develops a conversational commerce platform that helps businesses reach and engage customers through WhatsApp. The platform offers tools for managing customer relationships, sending notifications, and processing orders, enabling companies to streamline operations and grow sales.

Moffin is an integration platform that facilitates collection and assessment of Know Your Customer (KYC) data. It offers API-based solutions for seamless customer financial information evaluation.

Amartha is a microfinance technology platform dedicated to fostering economic growth at the grassroots level by facilitating connections between micro and small to medium-sized enterprises (SMEs) and investors. The platform enables entrepreneurs, particularly in rural areas, to access microfinance loans through user-friendly mobile applications and websites. By bridging the gap between potential lenders and borrowers, Amartha aims to create equal opportunities for prosperity, thereby contributing to the overall development of local economies.

Cashinvoice is a digital marketplace that unlocks supply chain finance for small businesses. They provide a technology platform that links financial institutions, large corporations, and their MSME supply chain partners to extend working capital by offering embedded lending products that grow and scale. Cashinvoice's technologies enable corporations to accelerate their transformation, modernize and mobilize their finance team's operations, and maximize their business performance.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

AquaExchange is an innovative technology platform designed for shrimp and fish farmers, focusing on enhancing global protein sustainability in aquaculture. The platform leverages Internet of Things (IoT) technology to improve aquaculture yields, mitigate crop risks, and help farmers manage rising input costs. Key features of the platform include power management, feed automation, and aeration control, which collectively aim to reduce expenses and increase profitability for farmers. Additionally, AquaExchange offers a mobile marketplace application that facilitates interactions between aqua farmers and suppliers of essential inputs, such as hatcheries and feed, as well as consultants and market research producers. By connecting these stakeholders, AquaExchange promotes efficiency and sustainability within the aquaculture industry.

Semaai is an end-to-end agriculture technology platform that serves farmers and rural agricultural shop owners across the agriculture supply chain. The platform provides an agricultural inputs marketplace, advisory services, and soil testing, enabling farmers to increase yields and profitability. It also connects users to financing options and new market opportunities to support broader income growth within farming communities.

Showroom B2B is developing a comprehensive platform aimed at transforming India's $108 billion fashion industry by directly connecting Tier 2+ clothing retailers with small to mid-scale apparel manufacturers. This innovative “Phygital” marketplace emphasizes a "Touch & Feel" selling approach, minimizing product returns through an effective distribution model. Showroom B2B creates Experience Centres for retailers, fostering confidence in their purchases by ensuring they can assess product quality firsthand. The platform enhances the business landscape by offering effective solutions in distribution, credit, logistics, and marketing, benefiting both clothing retailers through improved margins and manufacturers with opportunities for aggressive growth. By providing insightful data and tools, Showroom B2B empowers all participants in the fashion value chain to streamline operations and maximize sales.

Verqor is a platform that provides financing and technology solutions for the agricultural sector. It enables farmers to acquire inputs and equipment on credit through cashless transactions, supported by a data-driven credit scoring approach that promotes financial inclusion and modernization of farming practices. The platform also serves financial institutions by presenting low-risk agricultural lending opportunities based on credit criteria that consider nontraditional data sources. In addition, it helps crop buyers achieve more reliable supply chains by linking lenders, farmers, and buyers with transparent credit and procurement information. Verqor focuses on improving control and transparency across the agricultural value chain, accelerating access to capital, and enabling farmers to adopt new technologies and inputs to boost productivity.

Bababos is a platform that facilitates raw material procurement for small and medium-sized manufacturing enterprises. It offers access to high-quality materials like polymers, chemicals, steel, and other metals from various suppliers, streamlining the buying process through digitization. Bababos also provides flexible payment options, helping manufacturers manage their cash flow effectively.

CredRight is a data-driven lending platform that enables micro, small, and medium enterprises to access credit through partnerships with banks and non-banking financial companies. The platform supports online registration, document submission, and remote loan applications, delivering faster approvals and disbursements. It focuses on unsecured, collateral-free working capital loans, offering small businesses a straightforward, digital path to capital from financial institutions.

Licify operates a cloud-based procurement platform for the construction industry. The platform connects builders, contractors, subcontractors and suppliers to streamline the purchasing process across the value chain. It supports digital supply-chain management with seamless and secure transactions, enabling efficient procurement, cost control and improved profitability. The software helps purchasing teams validate supplier information, compare proposals and analyze budget data to enable informed purchasing decisions, reduce cycle times and generate savings. By aligning stakeholders and providing visibility into supplier data and procurement activities, Licify aims to improve transparency and efficiency in construction procurement.

Channel19 operates a digital freight aggregation platform designed for small truckers. It consolidates freight opportunities from various brokers and load boards into a single interface, helping truckers identify profitable loads efficiently. This streamlined process enables users to potentially increase revenue by up to 20% and save over $3,000 annually per truck in dispatch costs.

IKF Finance Limited is a non-banking financial company based in Hyderabad, India, established in 1991. It specializes in providing finance for commercial vehicles and construction equipment, as well as other types of loans. The company offers vehicle loans for both new and used commercial vehicles, working capital loans for transport operators, and asset/collateral management services. IKF Finance Limited was previously known as IKF Finance & Investments Limited before changing its name in October 1998.

Founded in 2019, Trukkr is Pakistan's leading online logistics platform, facilitating efficient cargo transportation. It connects shippers with transporters via a secure, user-friendly platform, offering transparency in pricing and shipment tracking while providing truckers access to more job opportunities.

Semaai is an end-to-end agriculture technology platform that serves farmers and rural agricultural shop owners across the agriculture supply chain. The platform provides an agricultural inputs marketplace, advisory services, and soil testing, enabling farmers to increase yields and profitability. It also connects users to financing options and new market opportunities to support broader income growth within farming communities.

Magma is a building materials B2B manufacturing platform and supply chain enablement platform. Its product stack includes factory and supplier-specific applications that help partner factories obtain raw materials, locate global buyers, and gain access to energy and resources. It enables factories to improve their output, practices, and global demand.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company focuses on enhancing employee productivity by offering financial empowerment solutions. By providing quick access to funds, Advance Tech Lending helps employees meet their daily financial needs with minimal hassle, charging only a processing fee without any interest. This approach not only facilitates immediate financial relief but also contributes to increased employee engagement, reduced turnover, and lower workplace stress, thereby assisting organizations in attracting and retaining talent.

Tienda Pago is a merchant support platform designed to assist small merchants in emerging markets by facilitating mobile cashless payments and financing for inventory purchases. The company focuses on creating an ecosystem where both distributors and traders can thrive by offering a closed-loop payment mechanism that leverages mobile technology. This system allows merchants to buy high-demand products on credit, thereby increasing their sales and profit margins. Tienda Pago's platform addresses inefficiencies in traditional payment methods, enabling seamless cashless transactions and supporting the growth of small businesses within its network. Through its services, Tienda Pago aims to promote collaboration among participants, encouraging more traders and distributors to engage with its innovative solutions.

Fairbanc is an AI-powered online payments platform based in San Francisco, California, designed specifically for small and medium enterprises (SMEs) in emerging markets. The platform provides access to credit without the need for collateral or a credit history. By leveraging digital footprints, such as transaction histories and mobile data, Fairbanc offers instant digital credit lines that SMEs can use to purchase inventory from approved suppliers. This innovative approach not only facilitates easier payment processes but also helps retail shop owners increase sales by up to 20% while allowing them to develop a credit history. Additionally, suppliers benefit from more consistent order cycles and instant payments upon delivery, enhancing their sales opportunities. Fairbanc's gender-intelligent ecosystem aims to eliminate the limitations of cash transactions and empower SMEs across various sectors.

Fisdom is a prominent digital wealth platform in India that provides a diverse array of financial products and services tailored for retail and mass affluent customers. The company offers a comprehensive suite of options, including stocks, mutual funds, pension funds, sovereign bonds, insurance, and tax services, positioning itself as a one-stop solution for financial needs. Fisdom has transformed the wealthtech landscape by implementing a B2B2C distribution model through strategic partnerships with leading banks, granting it access to a vast customer base exceeding 400 million. The platform integrates seamlessly into the mobile banking applications of partner banks, enhancing user experience through a hybrid model that combines digital and assisted service options. With an active customer base of 1.2 million, a significant portion of which is from tier 2 and tier 3 cities, Fisdom has established itself as a key player in the financial services sector. The company's achievements have been recognized through various awards, underscoring its impact and innovation in the industry.

AquaExchange is an innovative technology platform designed for shrimp and fish farmers, focusing on enhancing global protein sustainability in aquaculture. The platform leverages Internet of Things (IoT) technology to improve aquaculture yields, mitigate crop risks, and help farmers manage rising input costs. Key features of the platform include power management, feed automation, and aeration control, which collectively aim to reduce expenses and increase profitability for farmers. Additionally, AquaExchange offers a mobile marketplace application that facilitates interactions between aqua farmers and suppliers of essential inputs, such as hatcheries and feed, as well as consultants and market research producers. By connecting these stakeholders, AquaExchange promotes efficiency and sustainability within the aquaculture industry.

R5 is a company based in Colombia that simplifies vehicle ownership by providing an online insurance and lending platform. It enables low-income customers to use their cars and motorcycles as collateral to secure financing. The platform facilitates access to funds for refinancing expensive debt or investing in businesses, offering a digital process for purchasing compulsory vehicle insurance with affordable policies. Through its services, R5 allows customers to leverage their vehicles to obtain credit at lower rates, making financial opportunities more accessible.

Khazna is a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of the population who are active smartphone users but lack access to traditional banking. The company offers a range of services, including General Purpose Credit, Buy Now Pay Later (BNPL), bill payment, savings, and insurance. Additionally, Khazna enables employers to provide cash advances to employees for unforeseen emergencies and facilitates seamless transfers and withdrawals without transaction fees. By focusing on digitizing cash transactions, Khazna aims to provide convenient, effective, and secure smartphone-based financial solutions, thereby improving the overall financial landscape in Egypt and potentially beyond.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

MyRobin.id is an Indonesian talent hub established in 2019. It offers pre-screened workers on flexible contracts to businesses, handling recruitment, paperwork, payments, and insurance for a streamlined hiring process.

Annapurna Finance is a microfinance company dedicated to the financial and economic upliftment of underserved women and economically backward clients. The firm focuses on expanding microfinance operations in areas that remain outside the formal financial system, providing essential financial and technical support to help clients develop entrepreneurial skills and engage in business activities. Annapurna Finance offers a range of services, including micro-loans for clean water, sanitation, home improvement, support for widowed families, and small businesses. Additionally, the company provides customized insurance plans tailored to the specific needs of its clients, ensuring that they receive the financial assistance necessary for economic empowerment throughout various stages of their lives.

Kuunda is a B2B advisory platform that specializes in providing financial services tailored for developing economies. The company offers a range of solutions including liquidity management tools, data insight tools, and consulting services. Its platform empowers users, such as underserved agents, merchants, and consumers, to access the liquidity they need to meet their financial requirements. By facilitating connections between users and bank partners, Kuunda enhances network productivity and encourages the distribution of products, ultimately promoting economic resilience and growth. The company aims to help individuals and businesses maintain their standard of living while driving measurable results through its innovative digital offerings.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

Cashinvoice is a digital marketplace that unlocks supply chain finance for small businesses. They provide a technology platform that links financial institutions, large corporations, and their MSME supply chain partners to extend working capital by offering embedded lending products that grow and scale. Cashinvoice's technologies enable corporations to accelerate their transformation, modernize and mobilize their finance team's operations, and maximize their business performance.

CredRight is a data-driven lending platform that enables micro, small, and medium enterprises to access credit through partnerships with banks and non-banking financial companies. The platform supports online registration, document submission, and remote loan applications, delivering faster approvals and disbursements. It focuses on unsecured, collateral-free working capital loans, offering small businesses a straightforward, digital path to capital from financial institutions.

Capiter is a B2B e-commerce marketplace based in Cairo, Egypt, that connects small businesses, vendors, wholesalers, and FMCGs on a single platform. Founded in 2019, the company streamlines the supply chain by allowing merchants to order products online and access on-demand credit facilities. Capiter facilitates immediate payment to suppliers for goods sold to buyers, thereby mitigating collection and credit risks. By leveraging advanced technology and machine learning, it enhances operational efficiency and data accuracy across the supply chain. This approach not only supports small businesses in increasing sales and expanding their customer base but also improves cash flow management.

Dinie is a pioneering fintech company specializing in embedded lending infrastructure tailored for B2B platforms in Brazil, particularly focusing on the underserved micro, small, and medium-sized enterprise (MSME) market. The company simplifies the process for digital platforms to offer instant revolving lines of credit and B2B payment solutions through straightforward API integration. By providing flexible financial services with pre-approved credit limits, Dinie empowers businesses to access the financial tools necessary for their growth and success. Its innovative approach positions Dinie at the forefront of the embedded lending model and open finance landscape in Brazil.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

Fairbanc is an AI-powered online payments platform based in San Francisco, California, designed specifically for small and medium enterprises (SMEs) in emerging markets. The platform provides access to credit without the need for collateral or a credit history. By leveraging digital footprints, such as transaction histories and mobile data, Fairbanc offers instant digital credit lines that SMEs can use to purchase inventory from approved suppliers. This innovative approach not only facilitates easier payment processes but also helps retail shop owners increase sales by up to 20% while allowing them to develop a credit history. Additionally, suppliers benefit from more consistent order cycles and instant payments upon delivery, enhancing their sales opportunities. Fairbanc's gender-intelligent ecosystem aims to eliminate the limitations of cash transactions and empower SMEs across various sectors.

Lami is an end-to-end digital insurance platform and API that enables companies across sectors to offer insurance products. Its API allows underwriters to connect with consumer-facing companies that can provide embedded insurance as a value add for existing customers, many of whom are uninsured.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

Henry trains software developers and data scientists for free in LatAm and helps them find a job remotely in exchange for a share of their future income. More than +1,000 companies from all around the world hire HENRY talent.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

TerraMagna is a Brazilian fintech company specializing in innovative financial solutions for the agriculture sector. It offers personal loans, CFB lending, embedded buy-now-pay-later services for agricultural inputs, and crop-collateralized financing, all accessible via its web platform. TerraMagna aims to strengthen the entire agricultural value chain by providing tailored credit options, reducing dependence on traditional financiers, and promoting sustainable food security.

Arya Collateral Warehousing Services Private Limited specializes in post-harvest services that support the agricultural value chain. The company offers a range of storage and logistics solutions, including warehousing, fumigation, quality testing, and port handling. It also provides stock audits for commodity loans and cash credit, as well as procurement facilitation services that assist with on-field farmer procurement and export assistance. Additionally, Arya offers consulting services focused on the post-harvest value chain, farm linkages, and commodity-based finance. The company caters to a diverse clientele, including farmers, farmer producer organizations, processors, financial institutions, agri-corporations, international buyers, and development actors. Established in 1982, Arya Collateral Warehousing Services is headquartered in Noida, India.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company focuses on enhancing employee productivity by offering financial empowerment solutions. By providing quick access to funds, Advance Tech Lending helps employees meet their daily financial needs with minimal hassle, charging only a processing fee without any interest. This approach not only facilitates immediate financial relief but also contributes to increased employee engagement, reduced turnover, and lower workplace stress, thereby assisting organizations in attracting and retaining talent.

Apollo Agriculture is an agtech company that provides smallholder farmers with access to high-quality inputs, credit, and advisory services. Using agronomic machine learning, remote sensing, and mobile technology, it assesses farmer credit risk and tailors each package to a farm’s location by integrating satellite data, soil information, farmer behavior, and crop yield models. The company delivers a bundled offer that includes financing for inputs such as fertilizer and seed, crop insurance, and ongoing consulting to improve farming decisions. Originating in Kenya with operations anchored in Nairobi, Apollo aims to expand to emerging markets and help farmers boost yields and profitability through customized credit, inputs, and advice. The approach combines modern data analytics with practical agronomy to enable farmers to adopt advanced farming methods.

CreditMantri is an Indian digital platform that helps users manage their credit health. It provides personalized credit reports, tracks payment activities, offers credit improvement services, and facilitates loan applications based on individual credit profiles.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

Agrim creates a B2B commerce marketplace app for Agri-Inputs, bringing retailers and manufacturers together on a single platform. It aims to connect 40K+ small to large size manufacturers with the large and loyal retailer network and improve the supply chain by enabling 1M+ Agri-input retailers to discover superior quality products at the right price and on-time delivery.

SmartCoin Financials Private Limited operates a mobile app-based lending platform that specializes in providing unsecured loans to individuals outside the salaried class. Established in 2015 and based in Bengaluru, India, SmartCoin utilizes data science and machine learning algorithms to evaluate the risk profiles of potential borrowers in real time. The platform allows users to register, upload necessary documents, and select from various loan options. By leveraging a proprietary credit underwriting engine, it aggregates numerous data points from a customer's smartphone to create a tailored credit score. This technology enables SmartCoin to offer personalized loan products instantly, with funds transferred directly to the borrower’s bank account.

Field develops pharmaceutical supply-chain technology that digitizes, modernizes, strengthens, and sustains healthcare supply chains, enabling easy access to medicines. The platform is designed to be easy to use, scalable, and effective for governments and businesses delivering healthcare worldwide, supporting improvements in how medicines reach communities and helping ensure healthcare for millions.

Khazna is a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of the population who are active smartphone users but lack access to traditional banking. The company offers a range of services, including General Purpose Credit, Buy Now Pay Later (BNPL), bill payment, savings, and insurance. Additionally, Khazna enables employers to provide cash advances to employees for unforeseen emergencies and facilitates seamless transfers and withdrawals without transaction fees. By focusing on digitizing cash transactions, Khazna aims to provide convenient, effective, and secure smartphone-based financial solutions, thereby improving the overall financial landscape in Egypt and potentially beyond.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

Founded in 2018, Prayaan Capital specializes in providing financial services, including secured loans and machinery financing, to micro, small, and medium enterprises. The company offers advisory services and business enhancement tools to support the growth of these businesses.

Toffee Insurance operates a digital insurance platform designed to provide affordable and accessible insurance solutions. The company offers a streamlined plan that encompasses health, lifestyle, and travel coverage, allowing customers to secure protection for various aspects of their lives, including health hazards and household items. By simplifying the insurance process and enabling easy monthly payments, Toffee Insurance aims to make insurance relevant to a broad audience, ensuring that individuals and families can obtain the coverage they need without unnecessary complexity.

Joust is a fintech company that provides banking and payments solutions for the self-employed and freelancers. It offers direct merchant services and business banking through nbkc, a chartered FDIC-insured community bank, and features PayArmour, an invoice factoring service that protects against late or non-payment. The platform supports real-time payments, invoicing, and account analytics, helping independent workers manage cash flow and financial risk. Founded in 2017 and headquartered in Austin, Texas, Joust combines banking and software tools to simplify payments for solo professionals.

Flex Finance is a spend management platform designed to help African businesses effectively manage their finances. It offers mobile, web, and corporate card solutions to streamline spending and provide insights for better budgeting.

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!

ftcash is a fast-growing fintech company empowering micro-merchants and small businesses globally. It offers credit facilities using digital payment transaction data, psychometric analysis, and other factors to assess creditworthiness. ftcash partners with banks and financial institutions to provide these services.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

CÍVICO is a digital company that maps cities and citizens by crowdsourcing location data to drive transactions between consumers, merchants and brands. CÍVICO is currently up and running in México City, Bogotá and Santiago with more than 4 million monthly active users using our apps and web, 1,000,000 crowdsourced places in its database and 50,000 crowdsourcer´s mapping their cities. From the consumer perspective, we are solving their daily needs in their city by aggregating all their city in a single app. CÍVICO is a multipurpose app where we are building and mapping the most relevant digital information system which includes local places, news, public transport, bicycles, events, movies, deliveries, and much more. From the business perspective, we are understanding real time consumer behavior by mapping daily life in the city and we connect those consumers with key markets in a city. Currently we are focused on 4 key players in a city: merchants/smb´s, banks, brands and government.

Destácame is a Chilean fintech company that develops an online platform focused on improving financial inclusion and literacy. It offers tools for managing past-due debts, credit history, consumer loans, savings, and other financial health aspects, empowering individuals to better handle their finances.

Founded in 2014, Jeitto is a Brazilian fintech company based in São Paulo. It offers an app that combines interest-free loans with bill payment and mobile recharge services, aiming to enhance users' financial experiences.

BASIX Sub-K iTransactions Limited, established in 2010 and headquartered in Hyderabad, India, operates a mobile technology-based transactional platform designed to provide digitized services to residents in rural, urban, and semi-urban areas. The company offers a range of financial services including banking, savings, government payments, money transfers, utility payments, and prepaid mobile top-ups through a network of basic convenience outlets. Sub-K, which translates to "for everyone" in Hindi and indicates transactions within 1,000 meters distance for less than 1,000 rupees, serves as a subsidiary under the BASIX Social Enterprise Group. It recruits, trains, and equips local entrepreneurs as Business Correspondent agents who act as human ATMs, facilitating real-time banking and non-banking solutions at the last mile of connectivity between banks and end consumers. The company aims to bridge the digital divide by offering affordable, accessible, and scalable digital payment solutions to the bottom-of-the-pyramid segment, ultimately creating a financially included society.

Self Financial offers mobile-based credit-building tools designed for individuals seeking to improve their credit scores. Its primary products include a Credit Builder Account, which combines an installment loan with savings, and the Self Visa Credit Card, enabling users to build security deposits over time. The company aims to make credit building accessible regardless of financial history.

Self Financial offers mobile-based credit-building tools designed for individuals seeking to improve their credit scores. Its primary products include a Credit Builder Account, which combines an installment loan with savings, and the Self Visa Credit Card, enabling users to build security deposits over time. The company aims to make credit building accessible regardless of financial history.

Tez Financial Services Limited is a digital non-banking microfinance company based in Karachi, Pakistan, founded in 2017. It offers a comprehensive smartphone application that provides financial services to the unbanked and under-banked population. The platform aggregates various financial products, including nano credit services through Tez Advance, insurance distribution via Tez Bima, and investment solutions through Tez Sarmaya. By utilizing algorithms and artificial intelligence, the application analyzes users' digital footprints, social behaviors, and consumption patterns to facilitate access to credit, savings, insurance, and investment options. This innovative approach aims to address the financial needs of individuals seeking short-term liquidity and security in health and life insurance.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

Lumkani is a South Africa-based company founded in 2014, specializing in developing early-warning IoT heat sensors to mitigate the risks associated with fires in urban informal settlements. The company aims to enhance community resilience by combining technology with financial services, particularly addressing the insurance needs of underserved populations. Lumkani's innovative mesh networked fire detectors are designed for informal homes and enable community-wide alerts during fire incidents, significantly limiting fire spread. Currently, these detectors are installed in over 50,000 homes across South Africa, as well as in Bangladesh and Kenya. In 2017, Lumkani launched a pioneering fire detection and fire insurance bundle in partnership with Hollard Insurance, providing financial support to individuals affected by fires. As Lumkani expands its distribution platform, it continues to identify and address the protection gap by introducing additional relevant insurance products aimed at low-income customers.

Lend Street Financial, Inc. is a consumer lending company focused on assisting individuals in financial distress by providing solutions to refinance existing debt and rebuild their credit. Established in 2010 and headquartered in Oakland, California, the company operates in multiple states, including Arizona, Arkansas, California, Florida, Maryland, Massachusetts, Minnesota, Missouri, New Mexico, North Carolina, Oklahoma, Pennsylvania, and Texas. Lend Street Financial engages in negotiations with creditors to secure discounts on debts, which allows customers to reduce their financial burdens and achieve a fresh start. Through its partnerships within the financial sector, the company aims to facilitate debt relief, enabling clients to regain control of their financial futures.

CredRight is a data-driven lending platform that enables micro, small, and medium enterprises to access credit through partnerships with banks and non-banking financial companies. The platform supports online registration, document submission, and remote loan applications, delivering faster approvals and disbursements. It focuses on unsecured, collateral-free working capital loans, offering small businesses a straightforward, digital path to capital from financial institutions.

Toffee Insurance operates a digital insurance platform designed to provide affordable and accessible insurance solutions. The company offers a streamlined plan that encompasses health, lifestyle, and travel coverage, allowing customers to secure protection for various aspects of their lives, including health hazards and household items. By simplifying the insurance process and enabling easy monthly payments, Toffee Insurance aims to make insurance relevant to a broad audience, ensuring that individuals and families can obtain the coverage they need without unnecessary complexity.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

Lidya Live offer high engaging, interactive shopping experience for your customers.

Pula GmbH is an insurance intermediary based in Mollis, Switzerland, specializing in agricultural insurance broking services. The company focuses on providing data-driven insurance solutions for small-scale farmers across six countries in Africa. By leveraging machine learning and analyzing weather patterns and farm losses, Pula helps farmers navigate climate risks and enhance their agricultural practices. Through the use of mobile technology, Pula empowers hundreds of thousands of smallholders to protect their crops and make informed financial decisions, ultimately enabling them to invest in their farms and improve their overall income.

Tienda Pago is a merchant support platform designed to assist small merchants in emerging markets by facilitating mobile cashless payments and financing for inventory purchases. The company focuses on creating an ecosystem where both distributors and traders can thrive by offering a closed-loop payment mechanism that leverages mobile technology. This system allows merchants to buy high-demand products on credit, thereby increasing their sales and profit margins. Tienda Pago's platform addresses inefficiencies in traditional payment methods, enabling seamless cashless transactions and supporting the growth of small businesses within its network. Through its services, Tienda Pago aims to promote collaboration among participants, encouraging more traders and distributors to engage with its innovative solutions.

SmartCoin Financials Private Limited operates a mobile app-based lending platform that specializes in providing unsecured loans to individuals outside the salaried class. Established in 2015 and based in Bengaluru, India, SmartCoin utilizes data science and machine learning algorithms to evaluate the risk profiles of potential borrowers in real time. The platform allows users to register, upload necessary documents, and select from various loan options. By leveraging a proprietary credit underwriting engine, it aggregates numerous data points from a customer's smartphone to create a tailored credit score. This technology enables SmartCoin to offer personalized loan products instantly, with funds transferred directly to the borrower’s bank account.

BASIX Sub-K iTransactions Limited, established in 2010 and headquartered in Hyderabad, India, operates a mobile technology-based transactional platform designed to provide digitized services to residents in rural, urban, and semi-urban areas. The company offers a range of financial services including banking, savings, government payments, money transfers, utility payments, and prepaid mobile top-ups through a network of basic convenience outlets. Sub-K, which translates to "for everyone" in Hindi and indicates transactions within 1,000 meters distance for less than 1,000 rupees, serves as a subsidiary under the BASIX Social Enterprise Group. It recruits, trains, and equips local entrepreneurs as Business Correspondent agents who act as human ATMs, facilitating real-time banking and non-banking solutions at the last mile of connectivity between banks and end consumers. The company aims to bridge the digital divide by offering affordable, accessible, and scalable digital payment solutions to the bottom-of-the-pyramid segment, ultimately creating a financially included society.

SmartMEI is a Brazilian company that offers banking and automated accounting solutions specifically designed for micro-entrepreneurs. Founded by two Brazilian graduates from Stanford's MBA program, SmartMEI addresses the foundational needs of micro-business owners by providing a comprehensive business-in-a-box solution. This platform simplifies essential tasks such as ensuring compliance with government regulations, managing financial transactions, and organizing legal and fiscal obligations. Through its application, users can manage bank accounts, issue invoices, and handle payments and receipts efficiently. SmartMEI's services are currently utilized in over 3,500 cities across Brazil, helping entrepreneurs streamline their operations and focus on growing their businesses.

ESCALA EDUCACION S.A.S is a social enterprise based in Medellin, Colombia, founded in 2015. The company focuses on promoting access to higher education and financial inclusion by offering innovative savings plans to employees of its business partners. These plans allow employees to save for their own education or for their children's education through payroll deductions. ESCALA EDUCACION enhances these savings with company matching funds and provides additional benefits such as tuition discounts, scholarships, and career counseling. By partnering with various companies, ESCALA serves as their primary educational benefits provider, making higher education more accessible and affordable for employees.

Self Financial offers mobile-based credit-building tools designed for individuals seeking to improve their credit scores. Its primary products include a Credit Builder Account, which combines an installment loan with savings, and the Self Visa Credit Card, enabling users to build security deposits over time. The company aims to make credit building accessible regardless of financial history.

Self Financial offers mobile-based credit-building tools designed for individuals seeking to improve their credit scores. Its primary products include a Credit Builder Account, which combines an installment loan with savings, and the Self Visa Credit Card, enabling users to build security deposits over time. The company aims to make credit building accessible regardless of financial history.

First Circle is a financial services company based in Taguig, Philippines, founded in 2015. It focuses on providing consumer lending, mortgages, and asset-based lending services, specifically tailored for small and medium enterprises (SMEs) in Southeast Asia. The company has developed an online financing platform that offers collateral-free short-term loans and trade financing to support the growth of businesses. By leveraging advanced data analytics and a user-friendly online account system, First Circle aims to enhance access to funding for SMEs, empowering business owners to expand beyond their immediate networks. Additionally, the company offers dedicated customer support and resources to foster a community among entrepreneurs, facilitating long-term growth and opportunity.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Lidya Live offer high engaging, interactive shopping experience for your customers.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

CreditMantri is an Indian digital platform that helps users manage their credit health. It provides personalized credit reports, tracks payment activities, offers credit improvement services, and facilitates loan applications based on individual credit profiles.

Destácame is a Chilean fintech company that develops an online platform focused on improving financial inclusion and literacy. It offers tools for managing past-due debts, credit history, consumer loans, savings, and other financial health aspects, empowering individuals to better handle their finances.

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.

Comunidad 4Uno (C4Uno) is an online platform that distributes tailored and market-based financial products to low income and financially excluded domestic workers. The company aims to be the largest and most reliable financial product distribution channel for the low income population in Mexico by 2020.

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!

Aire is a credit assessment and automation platform based in London, founded in 2014. The company specializes in providing credit scores to consumers, facilitating their applications for loans and credit cards. Aire's innovative approach enhances underwriting decisions by leveraging advanced data analytics. In addition to its operations in the UK, the company has expanded its services to the US market. Customers in the UK can contact Experian UK for any data requests related to their credit files associated with Aire.

Apollo Agriculture is an agtech company that provides smallholder farmers with access to high-quality inputs, credit, and advisory services. Using agronomic machine learning, remote sensing, and mobile technology, it assesses farmer credit risk and tailors each package to a farm’s location by integrating satellite data, soil information, farmer behavior, and crop yield models. The company delivers a bundled offer that includes financing for inputs such as fertilizer and seed, crop insurance, and ongoing consulting to improve farming decisions. Originating in Kenya with operations anchored in Nairobi, Apollo aims to expand to emerging markets and help farmers boost yields and profitability through customized credit, inputs, and advice. The approach combines modern data analytics with practical agronomy to enable farmers to adopt advanced farming methods.