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.

Fairbanc is a scalable, AI-powered mobile loan and payments platform for emerging market small-medium enterprises (SMEs) that requires no collateral or credit history. The company's AI-powered platform can read digital footprints such as transaction history with large suppliers, and data on the mobile phone to grant instant digital credit line that SMEs can use to purchase inventories from our selected suppliers. Fairbanc's proven gender-intelligent ecosystem for loans and payments can be used in many vertical markets, eliminating the shortcomings of cash. Retail shop-owners can boost sales up to 20%, eliminate cash shortages, enjoy an easier payments regimen, and develop a credit history; suppliers receive more consistent order cycles, more instant payments upon delivery, and SKU sales expansion.

AquaExchange is a technology platform for shrimp and fish farmers.

Fisdom is an automated investment service provider that offers a personalized online investment platform designed to assist users in making informed financial decisions. Founded in 2015 and headquartered in Bangalore, Karnataka, India, the company enables users to track their investments in real-time and provides daily updates, enhancing fund management and financial planning. Fisdom's services include personalized investment recommendations and portfolio management, which empower users to manage their personal finances effectively through a mobile-friendly interface. The company plans to generate revenue by charging commissions from financial services companies and mutual funds.

Grupo R5 Ltda operates R5, an online platform based in Bogotá, Colombia, that provides mortgage loans and insurance policies using assets such as cars and motorcycles as collateral. Founded in 2018, the company primarily serves low-income customers in cities including Bogotá, Medellín, Cali, and Bucaramanga. R5 enables users to refinance high-interest debt or invest in their businesses by offering a streamlined digital process for accessing funds. Additionally, the platform facilitates the purchase of compulsory vehicle insurance with affordable policies, allowing customers to leverage their vehicles as security for low-rate credit options.

Khazna is an Egyptian company focused on enhancing financial services through its mobile application. The platform offers a range of services, including payments, savings, and insurance, while also allowing employers to provide cash advances to employees for unforeseen emergencies. Users can easily transfer and receive funds between each other and make cash withdrawals and deposits without incurring transaction fees. By leveraging smartphone technology, Khazna aims to deliver convenient, effective, and secure financial solutions to consumers in Egypt.

Developer of an agricultural inputs e-commerce marketplace designed to connect retailers and manufacturers. The company's marketplace connects rural retailers directly with manufacturers and provides value-added services like distribution, logistics, marketing and credit to improve the supply chain, enabling retailers to discover quality products at the right price and get on-time delivery.

MyRobin.id is a recruitment platform for hospitality and restaurants where employers post job vacancies and post it to social media. Qualified candidates get notifications and apply for work and they are directly connected with the employers for a job interview and scheduling. MyRobin.id was founded in 2019 and is headquartered in Jakarta, Indonesia.

Annapurna Finance Private Limited is a non-banking financial company based in Bhubaneswar, India, that specializes in providing microfinance services primarily to women and low-income households in rural and semi-urban areas. The company focuses on income generation loans for self-help groups and joint liability groups, offering financing for agricultural activities, micro enterprises, and various business needs. Additionally, it provides housing finance for home construction and renovation, as well as loans tailored for individuals with disabilities and the financially excluded. Annapurna Finance also supports initiatives for safe water and sanitation, dairy development, and solar energy, while offering credit-linked insurance to its clients. Originally founded as Annapurna Microfinance in 2009, the company changed its name in 2018 to reflect its broader mission of facilitating economic empowerment and integrating underserved populations into the formal financial system.

Kuunda operates a B2B advisory platform that focuses on providing financial services tailored for developing economies. The company offers a range of tools, including liquidity management and data insight solutions, which help clients meet their financial requirements through a digital interface. By enabling users to access liquidity, Kuunda supports underserved agents, merchants, and consumers, facilitating their ability to maintain their standard of living, grow their businesses, and enhance economic resilience. Additionally, Kuunda's platform promotes increased network productivity and expands the distribution of products, yielding tangible and measurable results for its clients.

Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.

Developer of a comprehensive payable and receivable management platform intended to digitize the way businesses pay and get paid. The company's platform automates cash invoice processes, leverages data and employs deep insights to enhance working capital management, enabling firms to unlock their cash with cash invoices and optimize their finances efficiently.

CredRight Private Limited operates a data-driven lending platform focused on providing credit to unserved and underserved micro, small, and medium enterprises (MSMEs) in India. Founded in 2016 and based in Hyderabad, the company leverages technology, particularly rotating savings and credit associations (ROSCAs) and chit funds, to build credit profiles for applicants. This allows users to access transparent and timely loans. The platform simplifies the application process, enabling users to register online, upload necessary documents, and apply for loans within minutes. Credit evaluation is conducted within 24 hours, and funds are typically disbursed to bank accounts within three days, all from the convenience of the applicant's home or office. CredRight aims to ease the challenges faced by small business owners in accessing capital and to transform the way small businesses are funded in India.

Capiter is a B2B e-commerce marketplace that focuses on providing cash flow solutions for small to medium-sized businesses in Egypt. Founded in 2019 and headquartered in Cairo, Capiter enables suppliers to receive immediate payment for their sales, thereby reducing collection and credit risks. The platform also offers buyers flexible payment plans, allowing them to access credit on their purchases. By streamlining transactions and enhancing cash flow management, Capiter supports the growth and financial stability of small businesses and vendors in the region.

Dinie specializes in providing embedded lending services aimed at supporting micro, small, and medium-sized enterprises (MSMEs). The company offers flexible financing solutions through its comprehensive lending API, which allows digital platforms such as marketplaces, SaaS, and ERPs to offer instant credit to their customers. This approach facilitates access to financial tools for businesses that may be underserved in traditional lending markets. Founded by experienced entrepreneurs, Dinie has a strong leadership team with expertise in technology, finance, and fintech. The company has attracted investment from notable angel investors with backgrounds in leading financial and tech firms, positioning it to capture the growing market for embedded banking services as more companies integrate financial offerings into their products.

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016. The company focuses on improving access to credit and financial resources for small and medium enterprises in emerging markets. Lidya enables businesses to open online accounts quickly, manage their funds, and access necessary credit to facilitate growth. Utilizing mobile-first technology and proprietary credit scoring algorithms, the platform offers tools and dashboards that help businesses monitor their cash flow and receivables. This approach allows users to build their credit profiles, which can lead to higher credit limits and more affordable financing options. Lidya aims to empower businesses with the financial tools they need to succeed and plan for the future.

Fairbanc is a scalable, AI-powered mobile loan and payments platform for emerging market small-medium enterprises (SMEs) that requires no collateral or credit history. The company's AI-powered platform can read digital footprints such as transaction history with large suppliers, and data on the mobile phone to grant instant digital credit line that SMEs can use to purchase inventories from our selected suppliers. Fairbanc's proven gender-intelligent ecosystem for loans and payments can be used in many vertical markets, eliminating the shortcomings of cash. Retail shop-owners can boost sales up to 20%, eliminate cash shortages, enjoy an easier payments regimen, and develop a credit history; suppliers receive more consistent order cycles, more instant payments upon delivery, and SKU sales expansion.

Developer of a digital insurance platform intended to integrate insurance into businesses. The company's platform allows easy integration across sectors to offer insurance products through a seamless digital experience, providing clients with automated underwriting, speeding up claims, reducing claims ratios, and increasing profitability.

NOW Money is a financial technology company that focuses on providing mobile banking solutions to the unbanked population in the Middle East, particularly targeting low-income migrant workers. The company offers a user-friendly application that enables users to access banking services, including accounts and low-cost remittance options. By leveraging mobile technology, NOW Money aims to enhance financial inclusion for individuals who are often excluded from traditional banking systems. This service not only facilitates international money transfers and currency conversion at reduced costs but also helps users achieve significant savings on remittances. Through its innovative approach, NOW Money strives to empower its users with full access to essential financial services.

Developer of an agricultural inputs e-commerce marketplace designed to connect retailers and manufacturers. The company's marketplace connects rural retailers directly with manufacturers and provides value-added services like distribution, logistics, marketing and credit to improve the supply chain, enabling retailers to discover quality products at the right price and get on-time delivery.

Developer of an agricultural inputs e-commerce marketplace designed to connect retailers and manufacturers. The company's marketplace connects rural retailers directly with manufacturers and provides value-added services like distribution, logistics, marketing and credit to improve the supply chain, enabling retailers to discover quality products at the right price and get on-time delivery.

Henry trains software developers for free and helps them find a job in exchange for a share of their future income. The company is based in Buenos Aires, Argentina.

Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.

TerraMagna is a fintech company established in 2017 and based in São José dos Campos, Brazil, that specializes in providing financial solutions for agribusinesses in Latin America. By utilizing technology and alternative data sources, TerraMagna aims to mitigate risks associated with agriculture, transforming a traditionally volatile process into a more manageable experience. The company offers a range of financial products, including personal loans, embedded buy now pay later options for agricultural inputs, and crop-collateralized financing. These services are accessible through a user-friendly web interface, designed to cater to the specific challenges and opportunities faced by retailers, industries, and farmers. TerraMagna also facilitates fair credit access for agribusinesses while providing investors with opportunities for high-yield, market-uncorrelated assets.

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 offers a platform designed to enhance employee productivity by providing financial empowerment through easy access to salary loans. This service allows employees to meet their daily financial needs quickly and conveniently, with funds available at the click of a button. Advance Tech Lending does not charge interest on its loans, instead applying a processing fee for immediate fund disbursement. By improving financial accessibility, the company aims to increase employee engagement, reduce turnover and workplace stress, and support organizations in attracting and retaining talent.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company offers a platform designed to enhance employee productivity by providing financial empowerment through easy access to salary loans. This service allows employees to meet their daily financial needs quickly and conveniently, with funds available at the click of a button. Advance Tech Lending does not charge interest on its loans, instead applying a processing fee for immediate fund disbursement. By improving financial accessibility, the company aims to increase employee engagement, reduce turnover and workplace stress, and support organizations in attracting and retaining talent.

Apollo Agriculture is a company based in Nairobi, Kenya, that provides essential financial and technical support to smallholder farmers in emerging markets. Founded in 2015, it offers customized farming loans that enable farmers to purchase vital inputs such as seeds, fertilizers, and crop insurance. Utilizing agronomic machine learning, remote sensing, and mobile technology, Apollo assesses credit risk and tailors its services to each farmer's specific circumstances, enhancing their productivity and profitability. By leveraging satellite and soil data, along with insights into farmer behavior, Apollo aims to double farm yields and promote sustainable agricultural practices. The company's innovative approach combines technology with expert advice, positioning it as a key player in the agricultural sector.

CreditMantri Finserv Private Limited provides individuals with credit score analysis and credit improvement program. It engages in educating consumers about their credit history, as well as leverages the same to improve/enhance their chances for becoming loan/credit card eligible. The company also provides individuals with a plan to improve their credit score and works with them for improving their loan/credit card eligibility. In addition, it helps individuals obtain their CIBIL report and provide them with a credit scan; and conducts analysis and provides them with a credit health report. Further, the company provides services for individuals to find loans/credit cards, improve credit score and history, and reduce their EMI costs. CreditMantri Finserv Private Limited was founded in 2012 and is based in Chennai, India.

Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.

Developer of an agricultural inputs e-commerce marketplace designed to connect retailers and manufacturers. The company's marketplace connects rural retailers directly with manufacturers and provides value-added services like distribution, logistics, marketing and credit to improve the supply chain, enabling retailers to discover quality products at the right price and get 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 Intelligence, Inc. provides a cloud based application to monitor, manage, and monetize asset ecosystem in real time. The company was founded in 2010 and is based in San Diego, California. As of July 24, 2019, Field Intelligence, Inc. operates as a subsidiary of Network Innovations Inc.

Khazna is an Egyptian company focused on enhancing financial services through its mobile application. The platform offers a range of services, including payments, savings, and insurance, while also allowing employers to provide cash advances to employees for unforeseen emergencies. Users can easily transfer and receive funds between each other and make cash withdrawals and deposits without incurring transaction fees. By leveraging smartphone technology, Khazna aims to deliver convenient, effective, and secure financial solutions to consumers in Egypt.

SMEcorner is a financial lending firm that focuses on providing quick access to business loans to micro, small, and medium enterprises. The companys mission is to fill India's SME lending gap with the use of an online platform that combines machine learning, data science, and artificial intelligence. SME owners can fund their business through their 2 different products which are the unsecured business loans and loan against property. SMEcorner's lending process is based on a combination of traditional and new alternate data, with strong use of decision science. SMEcorner was founded in 2014 and is headquartered in Mumbai, Maharashtra, India.

Prayaan Capital Pvt Ltd, established in 2018 and based in Chennai, India, specializes in providing financial services tailored for micro, small, and medium enterprises. The company offers a range of credit facilities, including secured and unsecured loans, specifically designed to support small businesses, traders, and small manufacturing units. In addition to lending, Prayaan Capital provides mobile-based solutions, insurance products, and advisory services that cover business opportunities, government schemes, and research materials. Their platform also includes business enhancement tools and banking products, along with resources to help clients monitor their financial health. Through these services, Prayaan Capital aims to empower entrepreneurs to build and grow their businesses effectively.

Toffee Insurance is making insurance affordable, relevant and accessible for everyone with its one simple plan that covers for health, life, household and more. Be it small insurance packs for your day to day possessions, topical health hazards or protecting you and your family for life, Toffee does all the heavy lifting in easy monthly payments. Find your Toffee here: www.toffeeinsurance.com!

Joust, Inc., based in Austin, Texas, offers a comprehensive suite of banking and payment solutions tailored for freelancers and entrepreneurs. Founded in 2017, Joust provides services through its proprietary PayArmour tool, which safeguards invoice payments and helps resolve late or non-payment issues experienced by independent workers. The company operates as a subsidiary of ZenBusiness, Inc. and utilizes a chartered, FDIC-insured community bank to deliver merchant services and business banking. In addition to payment protection, Joust's offerings include business incorporation, invoicing, real-time payment processing, invoice insurance, and account analytics. Through its innovative technology and banking partnerships, Joust addresses the financial challenges faced by self-employed individuals.

Flex Finance offers a mobile platform designed for small and medium-sized enterprises (SMEs) to manage and track their expenses effectively. The platform features an intuitive user interface, allowing users with little to no financial knowledge to navigate it easily. Through built-in artificial intelligence, Flex Finance provides valuable insights that help business owners reduce waste, save money, and make informed spending decisions. The company aims to support SMEs in overcoming common challenges, particularly in their formative years, thereby contributing to job creation and economic stability in Nigeria. By digitizing daily operations, including budgeting, expense tracking, and facilitating bulk payment transfers, Flex Finance empowers businesses to streamline their financial management processes.

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 an emerging financial technology company in India, focused on empowering micro-merchants and small businesses through digital payment solutions and access to credit. Launched in 2015, ftcash utilizes a proprietary algorithm to assess the creditworthiness of small enterprises by analyzing transaction flow data and incorporating additional factors like psychometric analysis. This approach allows ftcash to facilitate institutional financing for these businesses, enabling them to collect payments directly from their daily transactions. The platform supports various payment methods, including debit and credit cards, and mobile wallets, allowing merchants to accept electronic payments without needing extra hardware. With backing from major partners such as PayPal and MasterCard, ftcash is also expanding its services on a global scale, aiming to enhance financial inclusion for small enterprises worldwide.

SMEcorner is a financial lending firm that focuses on providing quick access to business loans to micro, small, and medium enterprises. The companys mission is to fill India's SME lending gap with the use of an online platform that combines machine learning, data science, and artificial intelligence. SME owners can fund their business through their 2 different products which are the unsecured business loans and loan against property. SMEcorner's lending process is based on a combination of traditional and new alternate data, with strong use of decision science. SMEcorner was founded in 2014 and is headquartered in Mumbai, Maharashtra, India.

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 SpA develops and markets a credit-ranking service that gives customers an account of their credit rating. The company is based in Santiago, Chile.

Jeitto Meios de Pagamento Ltda. is a mobile-first neobank based in Sao Paulo, Brazil, founded in 2014. The company focuses on providing financial services, including credit and payment solutions, to underserved consumers through its application. Jeitto offers a digital wallet that enables users to make purchases and payments using a credit limit, as well as a prepayment function. Customers can utilize the app to pay for e-commerce purchases, utility bills, mobile recharges, transportation, gift cards, and online entertainment, thereby enhancing their financial experience with convenient access to credit and essential services.

BASIX Sub-K iTransactions Limited is a Hyderabad-based company that provides a mobile technology-driven transactional platform aimed at enhancing access to financial services for residents in rural, urban, and semi-urban areas. Established in 2010 as a subsidiary of Bhartiya Samruddhi Investments and Consulting Services, the company focuses on serving the unbanked population by offering a range of services including banking, government payments, utility payments, and money transfers through a network of local convenience outlets. The name "Sub-K," which translates to "for everyone" in Hindi, reflects the company's mission to create accessible financial touchpoints within close proximity to communities. By training local entrepreneurs as Business Correspondent agents, BASIX Sub-K operates a self-sustaining ecosystem that connects consumers to banking solutions, enabling cash deposits, withdrawals, remittances, and more. Additionally, the company supports micro-entrepreneurs through various financial products, including microcredit and insurance, while also facilitating government services such as Aadhaar and PAN card assistance, thereby promoting financial inclusion.

Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.

Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.

Tez Financial Services Limited provides digital non-banking micro financing services. The company develops an application through which it aggregates credit, savings, insurance, and investments into a single platform. Its products include Tez advance which provides nano credit services; Tez Bima which distributes insurance; and Tez Sarmaya which caters to the medium-to-long term investment needs. The company was incorporated in 2018 and is based in Karachi, Pakistan.

SMEcorner is a financial lending firm that focuses on providing quick access to business loans to micro, small, and medium enterprises. The companys mission is to fill India's SME lending gap with the use of an online platform that combines machine learning, data science, and artificial intelligence. SME owners can fund their business through their 2 different products which are the unsecured business loans and loan against property. SMEcorner's lending process is based on a combination of traditional and new alternate data, with strong use of decision science. SMEcorner was founded in 2014 and is headquartered in Mumbai, Maharashtra, India.

Lumkani is a social enterprise based in South Africa that develops innovative early-warning IoT heat sensors aimed at mitigating the impact of fires in urban informal settlements, particularly in shacks. Founded in 2014, the company utilizes a heat detection technology that monitors temperature changes to detect fires. When a fire is detected, Lumkani's devices, which are networked to connect within a 60-meter radius, alert families in the vicinity, facilitating a swift community response. This technology not only reduces the risk of fire-related destruction but also aims to enhance safety and resilience in vulnerable urban areas.

Lend Street Financial, Inc. specializes in consumer lending solutions aimed at individuals facing financial difficulties. The company assists clients in refinancing existing debt and offers negotiation services with creditors to secure discounts on their debts. This enables customers to reduce their overall financial burden while working towards rebuilding their credit. Founded in 2010 and headquartered in Oakland, California, Lend Street serves various states, including Arizona, California, Florida, and Texas, among others. By establishing partnerships within the financial sector, the company is able to provide valuable support to those seeking to regain control of their financial lives.

CredRight Private Limited operates a data-driven lending platform focused on providing credit to unserved and underserved micro, small, and medium enterprises (MSMEs) in India. Founded in 2016 and based in Hyderabad, the company leverages technology, particularly rotating savings and credit associations (ROSCAs) and chit funds, to build credit profiles for applicants. This allows users to access transparent and timely loans. The platform simplifies the application process, enabling users to register online, upload necessary documents, and apply for loans within minutes. Credit evaluation is conducted within 24 hours, and funds are typically disbursed to bank accounts within three days, all from the convenience of the applicant's home or office. CredRight aims to ease the challenges faced by small business owners in accessing capital and to transform the way small businesses are funded in India.

Toffee Insurance is making insurance affordable, relevant and accessible for everyone with its one simple plan that covers for health, life, household and more. Be it small insurance packs for your day to day possessions, topical health hazards or protecting you and your family for life, Toffee does all the heavy lifting in easy monthly payments. Find your Toffee here: www.toffeeinsurance.com!

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016. The company focuses on improving access to credit and financial resources for small and medium enterprises in emerging markets. Lidya enables businesses to open online accounts quickly, manage their funds, and access necessary credit to facilitate growth. Utilizing mobile-first technology and proprietary credit scoring algorithms, the platform offers tools and dashboards that help businesses monitor their cash flow and receivables. This approach allows users to build their credit profiles, which can lead to higher credit limits and more affordable financing options. Lidya aims to empower businesses with the financial tools they need to succeed and plan for the future.

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 the merchant support platform that facilitates your weekly merchandise purchase to distributors. It is the result of years of experience of a team of experts whose objective is to promote ecosystems where all participants, both distributors and traders, benefit from the service and proactively motivate other participants to join the system.

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 is a Hyderabad-based company that provides a mobile technology-driven transactional platform aimed at enhancing access to financial services for residents in rural, urban, and semi-urban areas. Established in 2010 as a subsidiary of Bhartiya Samruddhi Investments and Consulting Services, the company focuses on serving the unbanked population by offering a range of services including banking, government payments, utility payments, and money transfers through a network of local convenience outlets. The name "Sub-K," which translates to "for everyone" in Hindi, reflects the company's mission to create accessible financial touchpoints within close proximity to communities. By training local entrepreneurs as Business Correspondent agents, BASIX Sub-K operates a self-sustaining ecosystem that connects consumers to banking solutions, enabling cash deposits, withdrawals, remittances, and more. Additionally, the company supports micro-entrepreneurs through various financial products, including microcredit and insurance, while also facilitating government services such as Aadhaar and PAN card assistance, thereby promoting financial inclusion.

SmartMEI Serviços de Tecnologia Ltda operates an online platform in Sao Paulo, Brazil, that offers automated tax and compliance services tailored for small and medium-sized enterprises (SMEs) and micro-entrepreneurs. Founded by two graduates from Stanford's MBA program, SmartMEI aims to empower entrepreneurs by simplifying their back-office operations. The platform helps users manage their legal and fiscal obligations, including banking, invoicing, payment processing, and cash management. By eliminating bureaucratic hurdles, SmartMEI supports businesses in over 3,500 cities across Brazil, providing a comprehensive solution that ensures compliance while allowing entrepreneurs to focus on their core activities.

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 partnering with businesses to provide educational benefits to their employees. ESCALA offers savings plans that allow employees to allocate a portion of their paychecks for educational purposes, either for themselves or their children. These savings plans include company matching funds, tuition discounts, scholarships, and vocational support, along with career counseling services. By enhancing these educational benefits, ESCALA aims to make higher education more accessible to a broader audience, fostering both personal and professional development.

Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.

Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.

First Circle is a financial services company based in Taguig, Philippines, focused on providing lending solutions to small and medium enterprises (SMEs) across Southeast Asia. Founded in 2015, it offers a range of services, including consumer lending, mortgages, and asset-based lending, with a particular emphasis on short-term loans and trade financing. The company's innovative online platform allows SMEs to access collateral-free working capital, enhancing their growth potential. First Circle leverages advanced data analytics and offers dedicated support through customer success representatives, fostering a community of business owners and providing valuable resources to help businesses thrive. The company's mission is to empower SMEs by improving their access to funding and enabling them to expand beyond their immediate networks.

NOW Money is a financial technology company that focuses on providing mobile banking solutions to the unbanked population in the Middle East, particularly targeting low-income migrant workers. The company offers a user-friendly application that enables users to access banking services, including accounts and low-cost remittance options. By leveraging mobile technology, NOW Money aims to enhance financial inclusion for individuals who are often excluded from traditional banking systems. This service not only facilitates international money transfers and currency conversion at reduced costs but also helps users achieve significant savings on remittances. Through its innovative approach, NOW Money strives to empower its users with full access to essential financial services.

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016. The company focuses on improving access to credit and financial resources for small and medium enterprises in emerging markets. Lidya enables businesses to open online accounts quickly, manage their funds, and access necessary credit to facilitate growth. Utilizing mobile-first technology and proprietary credit scoring algorithms, the platform offers tools and dashboards that help businesses monitor their cash flow and receivables. This approach allows users to build their credit profiles, which can lead to higher credit limits and more affordable financing options. Lidya aims to empower businesses with the financial tools they need to succeed and plan for the future.

Lidya is a financial services platform based in Lagos, Nigeria, founded in 2016. The company focuses on improving access to credit and financial resources for small and medium enterprises in emerging markets. Lidya enables businesses to open online accounts quickly, manage their funds, and access necessary credit to facilitate growth. Utilizing mobile-first technology and proprietary credit scoring algorithms, the platform offers tools and dashboards that help businesses monitor their cash flow and receivables. This approach allows users to build their credit profiles, which can lead to higher credit limits and more affordable financing options. Lidya aims to empower businesses with the financial tools they need to succeed and plan for the future.

CreditMantri Finserv Private Limited provides individuals with credit score analysis and credit improvement program. It engages in educating consumers about their credit history, as well as leverages the same to improve/enhance their chances for becoming loan/credit card eligible. The company also provides individuals with a plan to improve their credit score and works with them for improving their loan/credit card eligibility. In addition, it helps individuals obtain their CIBIL report and provide them with a credit scan; and conducts analysis and provides them with a credit health report. Further, the company provides services for individuals to find loans/credit cards, improve credit score and history, and reduce their EMI costs. CreditMantri Finserv Private Limited was founded in 2012 and is based in Chennai, India.

Destácame SpA develops and markets a credit-ranking service that gives customers an account of their credit rating. The company is based in Santiago, Chile.

Aye Finance is a finance company that provides business loans to micro and small businesses in Northern India.The company's mission is to provide innovative and customer-centered financial services to micro and small business through effective technology and robust processes. It works with a relevant technology to facilitate better financial inclusion and to consequently serve micro-enterprises. Aye Finance was founded in 2014 and is headquartered in Gurgaon, Haryana, India.

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 provides credit assessment services that gives people a new credit score to help them qualify for essential financial products. Aire is committed to helping people with the world of credit. They work with financial institutions by enhancing their ability to reach more customers and serve them responsibly. They are authorised & regulated in the UK by the FCA to provide credit references as one of the newest entrants in this sector. The company was founded on 2014 and based in London.

Apollo Agriculture is a company based in Nairobi, Kenya, that provides essential financial and technical support to smallholder farmers in emerging markets. Founded in 2015, it offers customized farming loans that enable farmers to purchase vital inputs such as seeds, fertilizers, and crop insurance. Utilizing agronomic machine learning, remote sensing, and mobile technology, Apollo assesses credit risk and tailors its services to each farmer's specific circumstances, enhancing their productivity and profitability. By leveraging satellite and soil data, along with insights into farmer behavior, Apollo aims to double farm yields and promote sustainable agricultural practices. The company's innovative approach combines technology with expert advice, positioning it as a key player in the agricultural sector.

Destácame SpA develops and markets a credit-ranking service that gives customers an account of their credit rating. The company is based in Santiago, Chile.

StreetShares, Inc. is a peer-to-peer small business lending marketplace that connects small business owners with retail and institutional investors. Based in Reston, Virginia, the company offers a lending-as-a-service platform that enables community banks and credit unions to efficiently provide loans to small businesses. Its product offerings include term loans, business bonds, and both secured and unsecured small business loans. StreetShares facilitates an accessible and streamlined lending experience, allowing financial institutions to connect with borrowers through a digital platform featuring quick underwriting processes. Founded in 2013, the company has garnered recognition for its innovative solutions in small business financing.

StreetShares, Inc. is a peer-to-peer small business lending marketplace that connects small business owners with retail and institutional investors. Based in Reston, Virginia, the company offers a lending-as-a-service platform that enables community banks and credit unions to efficiently provide loans to small businesses. Its product offerings include term loans, business bonds, and both secured and unsecured small business loans. StreetShares facilitates an accessible and streamlined lending experience, allowing financial institutions to connect with borrowers through a digital platform featuring quick underwriting processes. Founded in 2013, the company has garnered recognition for its innovative solutions in small business financing.

Aire provides credit assessment services that gives people a new credit score to help them qualify for essential financial products. Aire is committed to helping people with the world of credit. They work with financial institutions by enhancing their ability to reach more customers and serve them responsibly. They are authorised & regulated in the UK by the FCA to provide credit references as one of the newest entrants in this sector. The company was founded on 2014 and based in London.

Aye Finance is a finance company that provides business loans to micro and small businesses in Northern India.The company's mission is to provide innovative and customer-centered financial services to micro and small business through effective technology and robust processes. It works with a relevant technology to facilitate better financial inclusion and to consequently serve micro-enterprises. Aye Finance was founded in 2014 and is headquartered in Gurgaon, Haryana, India.

Tienda Pago is the merchant support platform that facilitates your weekly merchandise purchase to distributors. It is the result of years of experience of a team of experts whose objective is to promote ecosystems where all participants, both distributors and traders, benefit from the service and proactively motivate other participants to join the system.

Dvara KGFS focuses on establishing and supporting local community financial services institutions known as Kshetriya Gramin Financial Services (KGFS). These institutions are designed to enhance financial inclusion in geographically targeted areas, particularly in remote rural markets. Dvara KGFS operates under the umbrella of IFMR Holdings, which also includes IFMR Capital, a platform that facilitates debt capital markets for various originators, providing micro-loans, small business finance, and other financial services. Through its innovative KGFS model, Dvara KGFS aims to address the unique financial needs of underserved communities, promoting economic development and accessibility to essential financial services.

SMEcorner is a financial lending firm that focuses on providing quick access to business loans to micro, small, and medium enterprises. The companys mission is to fill India's SME lending gap with the use of an online platform that combines machine learning, data science, and artificial intelligence. SME owners can fund their business through their 2 different products which are the unsecured business loans and loan against property. SMEcorner's lending process is based on a combination of traditional and new alternate data, with strong use of decision science. SMEcorner was founded in 2014 and is headquartered in Mumbai, Maharashtra, India.

StreetShares, Inc. is a peer-to-peer small business lending marketplace that connects small business owners with retail and institutional investors. Based in Reston, Virginia, the company offers a lending-as-a-service platform that enables community banks and credit unions to efficiently provide loans to small businesses. Its product offerings include term loans, business bonds, and both secured and unsecured small business loans. StreetShares facilitates an accessible and streamlined lending experience, allowing financial institutions to connect with borrowers through a digital platform featuring quick underwriting processes. Founded in 2013, the company has garnered recognition for its innovative solutions in small business financing.

CreditMantri Finserv Private Limited provides individuals with credit score analysis and credit improvement program. It engages in educating consumers about their credit history, as well as leverages the same to improve/enhance their chances for becoming loan/credit card eligible. The company also provides individuals with a plan to improve their credit score and works with them for improving their loan/credit card eligibility. In addition, it helps individuals obtain their CIBIL report and provide them with a credit scan; and conducts analysis and provides them with a credit health report. Further, the company provides services for individuals to find loans/credit cards, improve credit score and history, and reduce their EMI costs. CreditMantri Finserv Private Limited was founded in 2012 and is based in Chennai, India.

Lend Street Financial, Inc. specializes in consumer lending solutions aimed at individuals facing financial difficulties. The company assists clients in refinancing existing debt and offers negotiation services with creditors to secure discounts on their debts. This enables customers to reduce their overall financial burden while working towards rebuilding their credit. Founded in 2010 and headquartered in Oakland, California, Lend Street serves various states, including Arizona, California, Florida, and Texas, among others. By establishing partnerships within the financial sector, the company is able to provide valuable support to those seeking to regain control of their financial lives.

Billpocket is a financial technology company that transforms smartphones and tablets into point-of-sale terminals, facilitating card payments without the need for traditional banking infrastructures. Users can accept debit and credit card payments directly through their mobile devices, simplifying the payment process and eliminating high maintenance fees and complex setups associated with conventional systems. Billpocket's platform also offers the option for customers to convert payments into interest-free monthly installments, while the company charges a fixed commission to sellers. This innovative approach enables a seamless transaction experience for both businesses and consumers.

Intoo is a B2B plataform that facilitates the proccess of getting credit before banks and institutional investors.

Artoo is a cloud-based customer relationship management (CRM) platform tailored for financial institutions. It enables organizations to streamline their customer interactions through a comprehensive suite of modules, including lead management, loan origination, and credit scoring. The platform integrates tools for cash flow analysis, credit bureau access, underwriting, collections, and compliance, facilitating effective management of financial services. Additionally, Artoo provides analytics capabilities that allow financial institutions to gain valuable insights into their operations. The platform is designed to support field agents in delivering financial services directly to borrowers, from the initial loan sourcing to post-disbursement support, thereby enhancing the efficiency and effectiveness of customer engagement in the financial sector.

Aye Finance is a finance company that provides business loans to micro and small businesses in Northern India.The company's mission is to provide innovative and customer-centered financial services to micro and small business through effective technology and robust processes. It works with a relevant technology to facilitate better financial inclusion and to consequently serve micro-enterprises. Aye Finance was founded in 2014 and is headquartered in Gurgaon, Haryana, India.

Volabit is a developer of a cryptocurrency trading platform. Volabit allows cash-based online payments through its mobile wallet as well as faster and cheaper international transfers. Volabit is financially empowering people through the use of Bitcoin.

Chapulín specializes in international money transfers, providing a straightforward solution for sending money from the United States to various countries around the world. The company has developed financial payments software that simplifies and secures the transfer process, ensuring a user-friendly experience for clients. Chapulín offers competitive currency exchange rates, allowing users to send money efficiently while minimizing costs. This platform aims to deliver a hassle-free and reliable service, making it easier for individuals and businesses to manage their international financial transactions.

First Access is a financial technology company headquartered in New York, founded in 2011. It provides a smart data platform tailored for emerging market financial institutions, particularly micro and small-to-medium enterprise lenders. The company's solutions facilitate the digitization of paper-based operations, enabling institutions to collect and analyze comprehensive data, monitor trends, and automate processes. By leveraging credit scoring expertise, First Access allows lenders to implement incremental changes without disrupting their daily operations. The platform also supports the integration of machine learning insights, enhancing the sophistication of financial institutions in managing data. Ultimately, First Access aims to transform data into financial opportunities, helping lenders worldwide improve their access to credit through user-friendly technology.

Konfio is a financial technology company based in Mexico City that focuses on providing online financial solutions for micro entrepreneurs and small to mid-size enterprises. Founded in 2013, Konfio offers a range of products including fixed-rate loans, working capital loans, corporate credit cards, and online payment solutions. The company utilizes a proprietary algorithm that combines data and technology to assess creditworthiness, enabling it to extend credit to clients who have been historically underserved by traditional banks. Additionally, Konfio provides business productivity software tools and a loyalty program, all designed to enhance the growth and productivity of its clients. Through its innovative approach, Konfio aims to facilitate economic growth by making financial services more accessible and affordable.

Shubham Housing Development Finance Company Private Limited, established in 2010 and based in Gurugram, India, specializes in providing housing finance solutions tailored for families with informal incomes. The company focuses on offering home loans, home improvement loans, and loans against property to customers who often do not qualify for traditional financing options. Shubham aims to empower urban low-income families by employing an interview-based approach to underwriting, which allows for a better understanding of the customer's unique financial circumstances. This method enables the company to offer customized and affordable credit programs that cater to the specific housing needs of individuals and families in urban and semi-urban areas.

StreetShares, Inc. is a peer-to-peer small business lending marketplace that connects small business owners with retail and institutional investors. Based in Reston, Virginia, the company offers a lending-as-a-service platform that enables community banks and credit unions to efficiently provide loans to small businesses. Its product offerings include term loans, business bonds, and both secured and unsecured small business loans. StreetShares facilitates an accessible and streamlined lending experience, allowing financial institutions to connect with borrowers through a digital platform featuring quick underwriting processes. Founded in 2013, the company has garnered recognition for its innovative solutions in small business financing.

GO Finance Company Limited is a Tanzanian non-bank financial institution based in Dar es Salaam, specializing in providing digital financial solutions to small and medium enterprises (SMEs). The company utilizes its mobile and cloud-based tool, GOBi, to collect transaction data from micro, small, and medium enterprises, which facilitates informed credit decision-making. GO Finance offers a range of financial products, including working capital finance, short to medium-term loans, hire purchase, and insurance solutions, specifically targeting distributors in the value chains of multinational corporations that manufacture fast-moving consumer goods. In addition to its lending services, GO Finance emphasizes the importance of information technology by providing access to financial record-keeping tools and targeted training aimed at enhancing the operational capacity of entrepreneurs.

StreetShares, Inc. is a peer-to-peer small business lending marketplace that connects small business owners with retail and institutional investors. Based in Reston, Virginia, the company offers a lending-as-a-service platform that enables community banks and credit unions to efficiently provide loans to small businesses. Its product offerings include term loans, business bonds, and both secured and unsecured small business loans. StreetShares facilitates an accessible and streamlined lending experience, allowing financial institutions to connect with borrowers through a digital platform featuring quick underwriting processes. Founded in 2013, the company has garnered recognition for its innovative solutions in small business financing.