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 is a developer of a savings account platform aimed at facilitating homeownership for first-time buyers in the United States. The platform integrates market savings accounts with potential state tax benefits and rewards for contributions, creating a comprehensive solution for individuals looking to save for down payments on their new homes. By streamlining the savings process, Foyer seeks to support customers in achieving their homeownership goals and ultimately contribute to the realization of the American Dream.

Banco Contactar is a microfinance institution specializing in providing financial services to rural areas. It offers credit services, savings accounts, microinsurance, financial education, and debt insurance to support small businesses and individuals, particularly in underserved communities. 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 integrate lending capabilities smoothly. By offering a comprehensive financial and lending infrastructure platform, Finfra supports technology companies in embedding financial services into their operations. This integration facilitates a seamless transition from application to decision-making and operational processes, allowing these companies to transform into fintech businesses. Through its services, Finfra helps unlock new revenue streams for its clients, enhancing their operational capabilities and financial offerings.

First Circle, founded in 2015 and based in Taguig, Philippines, specializes in providing financing solutions for small and medium enterprises (SMEs) across Southeast Asia. The company offers a range of services, including consumer lending, mortgages, and asset-based lending, with a focus on short-term loans that are collateral-free. First Circle aims to support business owners in their growth endeavors by leveraging advanced technology, data analytics, and a user-friendly online platform. Additionally, the company provides dedicated customer support and resources to foster a community of business owners, ultimately enhancing opportunities for SMEs to thrive.

FlexiLoans is a Mumbai-based lending platform established in 2016, dedicated to providing quick and flexible funding solutions for small and medium-sized enterprises (SMEs) in India. Recognizing that over 80% of loan applications from SMEs are often rejected by traditional financial institutions due to insufficient credit history or collateral, FlexiLoans aims to bridge this financing gap. The company leverages digital transformation and advanced data analytics to create an online marketplace that connects loan seekers with potential investors. This innovative approach allows SMEs, particularly those lacking conventional credit histories, to access customized business loans, seasonal inventory financing, and equipment funding. By focusing on alternative scoring methods, FlexiLoans aspires to tap into the significant unserved demand within the SME sector, fostering growth and economic development.

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 for corporate, commercial, and institutional clients, facilitating agile and secure financial transactions through Embedded Finance and Software as a Service (SaaS). The platform enhances domestic cash management and payment processes by providing real-time settlement, fraud prevention, and compliance with regulatory standards. In collaboration with banks, TransBnk offers a range of services, including escrow, trade finance, supply chain financing, and custodial services, which collectively improve efficiency, transparency, and security for its clients.

Agrizy operates an agri-processing platform that offers supply chain solutions specifically tailored for agribusinesses. The platform facilitates connections between processors and buyers of non-perishable farm products in both food and non-food sectors, including categories such as jute, oilseeds, cereals, and pulses. By streamlining the transaction process, Agrizy empowers agricultural suppliers to manage their supplies effectively and enhance their business operations.

Sukhiba operates a decentralized community-based commerce platform that focuses on enhancing customer engagement through conversational commerce. By leveraging WhatsApp, Sukhiba provides businesses with tools to manage customer relationships effectively, send notifications, and process orders. This enables companies to streamline their operations and improve sales performance, fostering a more interactive and responsive shopping experience for customers.

Moffin is an integration platform that connects various Know Your Customer (KYC) data providers, allowing businesses to efficiently collect and assess customer information. The platform offers both API access and a no-code solution, making it accessible for companies with varying technical capabilities. By streamlining the aggregation of credit data, Moffin enables organizations to digitize and expedite their authorization, consultation, and evaluation processes, ultimately saving time and improving operational efficiency.

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 IoT-based aquaculture technology platform designed to support shrimp and fish farmers in promoting global protein sustainability. The platform enhances aquaculture yields and mitigates crop risks while assisting farmers in managing rising input costs. Key features include power management, feed automation, and aeration control, all aimed at reducing crop expenses and improving overall productivity. Additionally, AquaExchange offers a mobile marketplace application that connects aquaculture farmers with suppliers of essential inputs, such as hatcheries and feed, as well as consultants and market research producers, facilitating a more efficient and informed aquaculture industry.

Semaai is a developer of a comprehensive agriculture technology platform designed to support farmers and rural agricultural shop owners. The platform serves as an end-to-end solution, providing a marketplace for agricultural inputs, advisory services, and soil testing. By utilizing Semaai's offerings, farmers can optimize their earning potential, enhance crop yields, and improve profitability. Additionally, the platform facilitates access to financing services and new market opportunities, thereby contributing to the overall efficiency and sustainability of the agriculture supply chain.

SHOWROOM B2B is establishing a comprehensive platform for India’s $108 billion fashion industry, focusing on connecting Tier 2+ clothing retailers with small to mid-scale apparel manufacturers. The company employs a "Phygital" approach, integrating physical experiences with digital solutions to enhance sales. Its unique distribution model minimizes product returns by allowing retailers to experience products in dedicated Experience Centres, thereby boosting their confidence in purchasing decisions. Additionally, SHOWROOM B2B provides essential services such as distribution, credit, logistics, and marketing, enabling retailers to achieve better profit margins while facilitating aggressive growth for manufacturers. By offering a one-stop marketplace, SHOWROOM B2B equips clients with the tools and data needed to shop intelligently and expand their businesses effectively.

Verqor is an innovative platform that transforms the agricultural sector by integrating finance and technology. It provides farmers with access to cashless credits, facilitating the purchase of essential supplies and machinery. By employing an alternative data-driven credit scoring system, Verqor aims to enhance financial inclusion within the agricultural community. The platform connects various stakeholders in the agriculture industry, including buyers, sellers, and financial institutions, promoting collaboration and transparency. Financial institutions can issue low-risk credits based on Verqor's unique credit assessment criteria, ensuring that farmers can acquire necessary resources while enabling crop buyers to access quality produce. This approach empowers farmers and strengthens supply chain management in the agriculture sector.

Bababos is a supply chain management platform focused on supporting small and medium-sized enterprises (SMEs) in their procurement of high-quality raw materials, including polymers, chemicals, and steel. By connecting manufacturers directly with suppliers, Bababos simplifies the purchasing process and reduces the complexity of managing multiple vendor relationships. The platform digitizes administrative tasks, allowing businesses to streamline their operations and focus on production. Furthermore, Bababos offers flexible payment options, which help alleviate financial pressures on manufacturers and enhance their overall supply chain efficiency. Through its services, Bababos aims to enable SMEs to achieve cost savings and improve their competitiveness in the market.

CredRight is a data-driven lending platform that provides unsecured loans to micro, small, and medium enterprises through partnerships with non-banking financial companies and banks. The platform streamlines the loan application process, allowing users to register online, upload necessary documents, and apply for loans quickly and easily from anywhere. This efficient approach enables small businesses to access collateral-free working capital, significantly reducing the time required to secure funding.

Licify is a procurement cloud-based platform tailored for the construction industry, focusing on enhancing interactions among developers, contractors, sub-contractors, and suppliers. By fostering a transparent and efficient community throughout the value chain, Licify streamlines procurement and supply processes, leading to significant cost savings and increased profitability. The platform facilitates seamless and secure transactions, connecting builders with suppliers to improve the efficiency of purchasing teams while maintaining control over project expenses. Utilizing advanced technology, Licify validates supplier information and analyzes proposals and budget data, empowering clients to make informed purchasing decisions.

Channel19 operates a digital freight aggregation platform designed specifically for small truckers. The platform allows these truckers to consolidate freight from various digital broker and load board relationships, streamlining the process of identifying and booking lucrative loads. By simplifying the navigation and evaluation of available freight options, Channel19 helps truckers enhance their revenue potential, with users reportedly earning up to 20% more and saving over $3,000 per truck annually in dispatch costs. This comprehensive solution not only facilitates load booking but also aids in managing back-office operations digitally, thereby improving overall efficiency for small trucking businesses.

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.

Trukkr is Pakistan's first and largest online logistics platform, established in 2019 to modernize the trucking industry. The platform connects shippers with transporters, streamlining the booking process for commercial cargo. Shippers can easily enter cargo details, choose vehicle types, and manage pick-up and drop-off logistics while enjoying transparency in pricing and shipment tracking. Trukkr also benefits transporters by providing them with access to numerous job opportunities at their convenience. By facilitating efficient road haulage, Trukkr aims to enhance the logistics experience for individuals, households, small to medium enterprises, and corporations across Pakistan, ensuring that shippers find the right truck at the right time.

Semaai is a developer of a comprehensive agriculture technology platform designed to support farmers and rural agricultural shop owners. The platform serves as an end-to-end solution, providing a marketplace for agricultural inputs, advisory services, and soil testing. By utilizing Semaai's offerings, farmers can optimize their earning potential, enhance crop yields, and improve profitability. Additionally, the platform facilitates access to financing services and new market opportunities, thereby contributing to the overall efficiency and sustainability of the agriculture supply chain.

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 facilitate weekly merchandise purchases for small merchants in emerging markets. By offering a mobile cashless payment system, it enables traders to finance consumer goods and manage inventory more effectively. The platform operates on a closed-loop payment mechanism that leverages mobile technology, allowing merchants to transact without cash and incentivizing them to purchase high-demand products on credit. This approach not only enhances sales and profit margins for traders but also fosters a collaborative ecosystem among distributors and merchants. Tienda Pago aims to reduce transaction inefficiencies and costs, ultimately benefiting all participants involved in the supply chain.

Fairbanc is an online payments platform based in San Francisco, California, that caters to small and medium enterprises (SMEs) in emerging markets. The company offers a scalable, AI-powered solution that provides instant digital credit lines without requiring collateral or a credit history. By analyzing digital footprints such as transaction histories with large suppliers and relevant mobile data, Fairbanc enables SMEs to purchase inventory from selected suppliers. This innovative approach helps retail shop owners increase sales, streamline payment processes, and develop credit histories, while suppliers benefit from more consistent order cycles and faster payments. Fairbanc's gender-intelligent ecosystem is designed to address the limitations of cash transactions across various vertical markets.

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 IoT-based aquaculture technology platform designed to support shrimp and fish farmers in promoting global protein sustainability. The platform enhances aquaculture yields and mitigates crop risks while assisting farmers in managing rising input costs. Key features include power management, feed automation, and aeration control, all aimed at reducing crop expenses and improving overall productivity. Additionally, AquaExchange offers a mobile marketplace application that connects aquaculture farmers with suppliers of essential inputs, such as hatcheries and feed, as well as consultants and market research producers, facilitating a more efficient and informed aquaculture industry.

R5 is a company based in Colombia that simplifies vehicle ownership for its customers. It operates an online platform designed to facilitate financing through the use of assets like cars and motorcycles as collateral. The platform caters primarily to low-income individuals, allowing them to refinance high-interest debt or secure funds for business investments. Additionally, R5 offers a digital solution for purchasing compulsory vehicle insurance at affordable rates, enabling customers to leverage their vehicles to access credit options with lower interest rates. This approach aims to make financial services more accessible and manageable for its users.

Khazna operates a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of smartphone users who lack access to formal financial systems. The super app provides a range of services including General Purpose Credit, Buy Now Pay Later (BNPL), bill payments, savings, and insurance. It also facilitates cash advances for employees to address unforeseen emergencies and allows users to transfer and receive funds without incurring transaction fees. By focusing on digitizing cash transactions, Khazna aims to offer convenient, effective, and secure financial solutions, thereby improving financial inclusion 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 and headquartered in Jakarta. The platform specializes in providing businesses with pre-screened, quality workers on flexible contracts, catering to both long-term and short-term needs. MyRobin.id employs a hiring intelligence system that matches employees with employers based on their experience, skills, and location. It simplifies the hiring process by managing essential tasks such as paperwork, attendance tracking, payments, and insurance, thereby making recruitment more convenient and efficient for clients.

Annapurna Finance is a microfinance institution focused on the financial and economic upliftment of underserved women and economically backward clients. The organization aims to expand microfinance operations in areas lacking access to formal financial systems, providing vital livelihood support to impoverished households. Annapurna Finance offers a range of need-based financial services, including micro-loans for clean water, sanitation, home improvement, support for widowed families, and small businesses. Additionally, the company provides customized insurance plans to ensure that customers receive tailored financial assistance aligned with their life cycle needs. By bringing these clients into the financial mainstream, Annapurna Finance facilitates economic empowerment and entrepreneurial skill development.

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 focused on increasing access to education in Indonesia by providing affordable and flexible credit solutions. It offers a range of financing services, including bailouts, working capital loans, and installment plans, tailored specifically for educational purposes. Pintek's innovative approach includes a non-collateral repayment program, which simplifies the loan process for clients and educational institutions. By prioritizing accessibility and ease of use, Pintek aims to support students and educational providers in overcoming financial barriers to education.

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 provides unsecured loans to micro, small, and medium enterprises through partnerships with non-banking financial companies and banks. The platform streamlines the loan application process, allowing users to register online, upload necessary documents, and apply for loans quickly and easily from anywhere. This efficient approach enables small businesses to access collateral-free working capital, significantly reducing the time required to secure funding.

Capiter is a B2B e-commerce marketplace based in Cairo, Egypt, that connects small businesses, wholesalers, and vendors on a unified platform. Founded in 2019, the company offers on-demand cash flow solutions, allowing suppliers to convert sales into immediate cash while minimizing collection and credit risks. Merchants can order products directly through the platform and access credit facilities, enhancing their purchasing power. Capiter employs advanced technology and machine learning to optimize the supply chain, ensuring efficient service delivery and accurate data management. This approach facilitates improved financial cycles and supports the growth of small businesses by providing flexible payment options and immediate vendor payments.

Dinie is a pioneering fintech company in Brazil that specializes in embedded lending infrastructure for B2B platforms, focusing on the underserved micro, small, and medium-sized enterprises (MSMEs) market. By simplifying the lending process, Dinie enables digital platforms to quickly offer instant revolving lines of credit and B2B payment solutions through an easy API integration. The company's services are designed to empower businesses with flexible financial tools, providing them with pre-approved credit limits that facilitate access to essential financial services. Dinie aims to enhance the financial landscape for MSMEs in Brazil, promoting their growth and success.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

Fairbanc is an online payments platform based in San Francisco, California, that caters to small and medium enterprises (SMEs) in emerging markets. The company offers a scalable, AI-powered solution that provides instant digital credit lines without requiring collateral or a credit history. By analyzing digital footprints such as transaction histories with large suppliers and relevant mobile data, Fairbanc enables SMEs to purchase inventory from selected suppliers. This innovative approach helps retail shop owners increase sales, streamline payment processes, and develop credit histories, while suppliers benefit from more consistent order cycles and faster payments. Fairbanc's gender-intelligent ecosystem is designed to address the limitations of cash transactions across various vertical markets.

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 financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

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 increasing access to education in Indonesia by providing affordable and flexible credit solutions. It offers a range of financing services, including bailouts, working capital loans, and installment plans, tailored specifically for educational purposes. Pintek's innovative approach includes a non-collateral repayment program, which simplifies the loan process for clients and educational institutions. By prioritizing accessibility and ease of use, Pintek aims to support students and educational providers in overcoming financial barriers to education.

TerraMagna is a digital lender based in Brazil, specializing in the agricultural sector of Latin America. The company offers a range of financial products tailored to meet the specific needs of farmers and agricultural businesses. These products include personal loans, CFB lending, embedded buy now pay later (BNPL) options for agricultural inputs, and crop-collateralized financing, all accessible through a user-friendly web interface. By addressing the unique challenges and opportunities within agriculture, TerraMagna aims to enhance the resilience of the agricultural value chain and promote sustainable food security.

Arya Collateral Warehousing Services provides post-harvest services including warehousing, warehouse receipt financing, rural storage discovery, collateral management and market linkages.

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, established in 2015, is a Kenyan agtech company based in Nairobi. It specializes in providing smallholder farmers with access to critical farming inputs, financing, and advisory services. Apollo's innovative platform employs agronomic machine learning, remote sensing, and mobile technology to assess credit risk and tailor financial and technical assistance to each farmer's unique needs and location. This approach enables farmers to enhance their yields and profits, with a focus on emerging markets, starting in Kenya.

CreditMantri is a digital credit services management platform based in India that focuses on helping consumers understand and improve their credit health. The platform creates an individual credit profile by integrating data from institutional sources, such as credit history and scores from credit bureaus, as well as alternate data sources. Based on this comprehensive credit profile, CreditMantri guides users towards the most suitable financial products, including loans and credit cards, and offers credit improvement services. Additionally, CreditMantri provides lender-specific services, including a marketplace for credit products, solutions for lenders to facilitate instant credit decisions for new users, and verification services. The company collaborates with over 55 lenders to enhance the credit experience for both consumers and financial institutions.

Pintek is a financial technology company focused on increasing access to education in Indonesia by providing affordable and flexible credit solutions. It offers a range of financing services, including bailouts, working capital loans, and installment plans, tailored specifically for educational purposes. Pintek's innovative approach includes a non-collateral repayment program, which simplifies the loan process for clients and educational institutions. By prioritizing accessibility and ease of use, Pintek aims to support students and educational providers in overcoming financial barriers to education.

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 technology aimed at enhancing pharmaceutical supply chains, enabling governments and businesses to deliver healthcare more effectively in rapidly growing regions. The company's platform focuses on digitizing and modernizing supply chain processes, making them easier to use and more scalable. By partnering with communities, Field aims to strengthen and sustain these vital supply chains, ultimately improving access to healthcare for millions of people globally.

Khazna operates a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of smartphone users who lack access to formal financial systems. The super app provides a range of services including General Purpose Credit, Buy Now Pay Later (BNPL), bill payments, savings, and insurance. It also facilitates cash advances for employees to address unforeseen emergencies and allows users to transfer and receive funds without incurring transaction fees. By focusing on digitizing cash transactions, Khazna aims to offer convenient, effective, and secure financial solutions, thereby improving financial inclusion in Egypt and potentially beyond.

SMEcorner is a financial lending firm headquartered in Mumbai, Maharashtra, India, that specializes in providing quick access to business loans for micro, small, and medium enterprises. Established in 2014, the company aims to address the lending gap for SMEs in India through its online platform, which leverages machine learning, data science, and artificial intelligence. SMEcorner offers two main products: unsecured business loans and loans against property. The company's lending process incorporates both traditional and alternative data, allowing for efficient decision-making. By minimizing paperwork and streamlining the application process, SMEcorner enables small business owners to secure funding with just a few clicks in a secure digital environment.

Prayaan Capital, established in 2018 and headquartered in Chennai, India, is a financial technology company specializing in lending services for micro, small, and medium enterprises (MSMEs). It offers a range of financial products, including secured and unsecured loans, machinery loans, and loans for small businesses, traders, and manufacturing units. Additionally, Prayaan Capital provides mobile-based solutions, insurance services, advisory support for business growth and government schemes, and tools for enhancing business operations.

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 Texas-based company that operates a real-time social engagement platform, connecting users with their friends and interests through competitive challenges and predictions across various categories like sports, entertainment, and world events. Additionally, Joust offers a banking platform, Joust Inc., which provides merchant services and business banking, along with a proprietary invoice factoring service called PayArmour, to support the financial needs of self-employed individuals.

Flex Finance is a spend management platform tailored for small and medium-sized enterprises in Africa, addressing the critical issue of financial mismanagement that leads to high business failure rates. Recognizing that 90% of businesses on the continent may not survive past five years due to inadequate financial oversight, Flex provides tools to streamline expense management. The platform features an intuitive user interface that facilitates budgeting, expense tracking, digital requisitions, and bulk payment transfers. By offering these services through both mobile and web applications, Flex empowers businesses to digitize their financial operations, making them more efficient and better equipped to manage their spending in an increasingly digital environment.

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 rapidly growing financial technology company in India that focuses on empowering micro-merchants and small businesses through digital payments and credit access. Utilizing a proprietary algorithm, ftcash assesses creditworthiness by analyzing transaction data from its payments platform, along with various other data points, including psychometric analysis. This enables the company to provide institutional financing to small and medium enterprises (SMEs) and facilitate loan recovery from daily transaction flows. The platform allows merchants to accept payments via multiple instruments, including debit and credit cards, as well as mobile wallets, without requiring additional hardware or POS devices. Since its launch in 2015, ftcash has received support from major financial entities like PayPal and MasterCard and is in the process of expanding its services globally, aiming to enhance financial inclusion for SMEs.

SMEcorner is a financial lending firm headquartered in Mumbai, Maharashtra, India, that specializes in providing quick access to business loans for micro, small, and medium enterprises. Established in 2014, the company aims to address the lending gap for SMEs in India through its online platform, which leverages machine learning, data science, and artificial intelligence. SMEcorner offers two main products: unsecured business loans and loans against property. The company's lending process incorporates both traditional and alternative data, allowing for efficient decision-making. By minimizing paperwork and streamlining the application process, SMEcorner enables small business owners to secure funding with just a few clicks in a secure digital environment.

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.

Destacame SpA, based in Santiago, Chile, is a pioneering company that offers a behavior-based credit scoring service, the first of its kind in Latin America. The firm develops an online financial management platform designed to enhance financial inclusion and health. Its suite of products enables users to manage various aspects of their financial lives, including past-due debt repayment, credit history, consumer loans, credit cards, and savings. By providing tools that allow individuals to take control of their financial wellbeing, Destacame aims to improve access to credit and empower its customers to enhance their financial situations.

Jeitto is a financial technology company based in São Paulo, Brazil, founded in 2014. It operates a digital platform that offers interest-free loans, targeting unbanked individuals. The app combines loan services with functionalities for mobile recharges and bill payments, aiming to enhance users' financial experiences by providing credit and convenience. Jeitto's platform features a digital wallet that allows users to make purchases and payments using a credit limit accessible through the app, facilitating access to credit for small transactions.

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, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

Self Financial, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

Tez Financial Services Limited is a digital non-banking microfinance company based in Karachi, Pakistan, incorporated in 2018. It offers a smartphone application that aggregates various financial services, targeting the unbanked and under-banked population. The platform provides products such as Tez Advance, which offers nano credit services, Tez Bima for insurance distribution, and Tez Sarmaya for medium-to-long term investments. By leveraging algorithms and artificial intelligence, the application analyzes users' digital footprints and consumption patterns to enhance financial access and support short-term liquidity needs while also offering security through health and term life insurance.

SMEcorner is a financial lending firm headquartered in Mumbai, Maharashtra, India, that specializes in providing quick access to business loans for micro, small, and medium enterprises. Established in 2014, the company aims to address the lending gap for SMEs in India through its online platform, which leverages machine learning, data science, and artificial intelligence. SMEcorner offers two main products: unsecured business loans and loans against property. The company's lending process incorporates both traditional and alternative data, allowing for efficient decision-making. By minimizing paperwork and streamlining the application process, SMEcorner enables small business owners to secure funding with just a few clicks in a secure digital environment.

Lumkani is a South Africa-based company established in 2014, focused on addressing the challenges posed by fires in informal settlements. The company has developed an innovative early-warning IoT heat sensor designed specifically for urban slum environments, enabling community-wide alerts to limit fire damage. This award-winning technology is currently deployed in over 50,000 homes in South Africa, as well as in Bangladesh and Kenya. Lumkani also offers a unique fire detection and insurance bundle in partnership with Hollard Insurance, providing financial support to help individuals recover after a fire disaster. By building a platform that serves underserved customers lacking access to affordable insurance products, Lumkani aims to tackle the broader protection gap in the market. As the company expands its distribution and services, it continues to launch additional relevant products to enhance community resilience and support low-income households.

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 is a data-driven lending platform that provides unsecured loans to micro, small, and medium enterprises through partnerships with non-banking financial companies and banks. The platform streamlines the loan application process, allowing users to register online, upload necessary documents, and apply for loans quickly and easily from anywhere. This efficient approach enables small businesses to access collateral-free working capital, significantly reducing the time required to secure funding.

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 based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

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 facilitate weekly merchandise purchases for small merchants in emerging markets. By offering a mobile cashless payment system, it enables traders to finance consumer goods and manage inventory more effectively. The platform operates on a closed-loop payment mechanism that leverages mobile technology, allowing merchants to transact without cash and incentivizing them to purchase high-demand products on credit. This approach not only enhances sales and profit margins for traders but also fosters a collaborative ecosystem among distributors and merchants. Tienda Pago aims to reduce transaction inefficiencies and costs, ultimately benefiting all participants involved in the supply chain.

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 is a Brazilian company that offers banking and automated accounting solutions tailored for micro-entrepreneurs. Founded by two MBA graduates from Stanford, SmartMEI aims to support local entrepreneurs by leveraging advanced technology to simplify their business operations. The company's platform provides a comprehensive "business-in-a-box" solution that addresses essential back-office functions, ensuring compliance with government regulations while facilitating client invoicing, payment processing, and cash management. SmartMEI's application helps users efficiently navigate their legal and fiscal obligations, making it a vital resource for micro-business owners. The service is actively utilized in over 3,500 cities across Brazil, reflecting its broad reach and impact on the entrepreneurial landscape.

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, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

Self Financial, Inc., headquartered in Austin, Texas, operates a mobile application designed to assist individuals in building credit and saving money. Founded in 2014 and originally known as Self Lender, the company provides financial tools such as the Self Credit Builder Account and the Self Visa Credit Card. These offerings allow customers to create a credit builder account that facilitates the establishment of a positive payment history while simultaneously saving money, all without the need for a hard credit inquiry. Targeting those who are new to credit or lack access to traditional financial products, Self Financial aims to enhance economic inclusion and financial resilience through user-friendly solutions. The company's mission is to make credit-building accessible and straightforward, helping individuals improve their financial futures.

First Circle, founded in 2015 and based in Taguig, Philippines, specializes in providing financing solutions for small and medium enterprises (SMEs) across Southeast Asia. The company offers a range of services, including consumer lending, mortgages, and asset-based lending, with a focus on short-term loans that are collateral-free. First Circle aims to support business owners in their growth endeavors by leveraging advanced technology, data analytics, and a user-friendly online platform. Additionally, the company provides dedicated customer support and resources to foster a community of business owners, ultimately enhancing opportunities for SMEs to thrive.

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

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

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

CreditMantri is a digital credit services management platform based in India that focuses on helping consumers understand and improve their credit health. The platform creates an individual credit profile by integrating data from institutional sources, such as credit history and scores from credit bureaus, as well as alternate data sources. Based on this comprehensive credit profile, CreditMantri guides users towards the most suitable financial products, including loans and credit cards, and offers credit improvement services. Additionally, CreditMantri provides lender-specific services, including a marketplace for credit products, solutions for lenders to facilitate instant credit decisions for new users, and verification services. The company collaborates with over 55 lenders to enhance the credit experience for both consumers and financial institutions.

Destacame SpA, based in Santiago, Chile, is a pioneering company that offers a behavior-based credit scoring service, the first of its kind in Latin America. The firm develops an online financial management platform designed to enhance financial inclusion and health. Its suite of products enables users to manage various aspects of their financial lives, including past-due debt repayment, credit history, consumer loans, credit cards, and savings. By providing tools that allow individuals to take control of their financial wellbeing, Destacame aims to improve access to credit and empower its customers to enhance their financial situations.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

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 that aids in underwriting decisions, founded in 2014 and headquartered in London, with expansion into the United States. The company offers consumers the ability to obtain their credit scores, facilitating applications for loans and credit cards. In the UK, customers can contact Experian UK for data requests related to their credit files associated with Aire.

Apollo Agriculture, established in 2015, is a Kenyan agtech company based in Nairobi. It specializes in providing smallholder farmers with access to critical farming inputs, financing, and advisory services. Apollo's innovative platform employs agronomic machine learning, remote sensing, and mobile technology to assess credit risk and tailor financial and technical assistance to each farmer's unique needs and location. This approach enables farmers to enhance their yields and profits, with a focus on emerging markets, starting in Kenya.