Better Tomorrow Ventures

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Porta 3 is a travel management platform for businesses that provides reservations for flights, hotels, cars, and insurance. The company was founded in 2020 and is headquartered in Uberlândia, MG.

Flexpa allows digital health apps to connect to new patient access APIs. Flexpa develops an API to integrate claims histories into any digital health or fintech app. The company was founded in 2021 and is located in San Francisco, California.

Clubbi is a B2B marketplace for small merchants such as mini-markets and corner stores. It facilitates transactions with their suppliers and supports them to improve operations. It also increases the overall value pool for the FMCG industry by maximizing the fragmented market’s sales and by developing the most efficient way for distributors and brands to reach and communicate with independent retailers

Unit helps tech companies build financial features into their products: accounts, cards, payments, and lending.

Freightpay’s mission is to enable the global supply chain to transact more efficiently.

Coast is a developer of a card payment platform designed to make fleet and gasoline payments easier for truck drivers. The company's platform provides payment integration solutions to fleets, making fleet administration easier than traditional financial services.

Brick builds financial APIs for fintech products. They give convenience to processing end-users' financial data digitally for every personalized need of fintech companies, with data such as transaction data spanning multiple platforms across telcos, e-wallets, e-commerce, and super apps.

Amitruck is a mobile and web-based trucking logistics platform that brings together cargo owners and transporters. The company was founded 2018 and is headquartered in Nairobi, Kenya.

Vitt is the creator of a financial payment platform intended to provide non-dilutive venture debt investment. The platform of the organization assists in the integration of the billing stack and the maintenance of subscriptions to verify the possible payout based on monthly recurring revenues, allowing clients to enhance the monthly payment without worrying about cash flow.

FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements. It helps farmers unlock capital to amplify farm profitability and sustainability. It's free to register a FarmRaise account, match with grants, and apply for 3 federal programs currently on the platform. The company was founded in 2020 and is based in San Francisco, California.

CreditBook is a digital platform that serves Pakistan’s underserved MSMEs and developers with financial solutions and services. CreditBook was launched in 2020 with the single aim to improve the financial outcomes of MSMEs across emerging markets. Starting with a bookkeeping app, the company impacted over 1 million MSMEs across 400 localities in Pakistan. CreditBook has since built a suite of financial solutions that empower underserved businesses to extend financing to their customers in a matter of hours.

Clubbi is a B2B marketplace for small merchants such as mini-markets and corner stores. It facilitates transactions with their suppliers and supports them to improve operations. It also increases the overall value pool for the FMCG industry by maximizing the fragmented market’s sales and by developing the most efficient way for distributors and brands to reach and communicate with independent retailers

Selfbook offers an easy and secure way to pay for a hotel stay. Selfbook develops a technology-first payment platform designed to help users pay for their hotel reservations seamlessly and securely. The platform enables hotels to accept one-tap payments, supporting all global credit and debit card brands as well as digital wallets and alternative payment methods. Selfbook removes barriers to direct bookings, enabling the hotel industry to drive better conversions, capture mobile bookings, increase revenue and unify the payment flow by effortlessly connecting all their existing reservation systems.

CashBook creates an online application to record and track expenses and income of businesses. It offers a digital access of data for small businesses who still use pen and paper to write information. Cashbook was founded in 2020 by Vivek Kumar and Ashutosh Pathak

Porta 3 is a travel management platform for businesses that provides reservations for flights, hotels, cars, and insurance. The company was founded in 2020 and is headquartered in Uberlândia, MG.

We combine prudent asset-liability management and credit cost discipline with advance algorithms and app based operations to drive operational efficiencies for our banking partners. indiagold's full suite product and on ground servicing stack allows our partners to grow their asset backed products across geographies - quickly and without any investment.

Coast is a developer of a card payment platform designed to make fleet and gasoline payments easier for truck drivers. The company's platform provides payment integration solutions to fleets, making fleet administration easier than traditional financial services.

Selfbook offers an easy and secure way to pay for a hotel stay. Selfbook develops a technology-first payment platform designed to help users pay for their hotel reservations seamlessly and securely. The platform enables hotels to accept one-tap payments, supporting all global credit and debit card brands as well as digital wallets and alternative payment methods. Selfbook removes barriers to direct bookings, enabling the hotel industry to drive better conversions, capture mobile bookings, increase revenue and unify the payment flow by effortlessly connecting all their existing reservation systems.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

Agora is a compensation platform that helps companies figure out how to pay their employees by making data-driven decisions. It helps companies centralize their data, set their pay structure, benchmark themselves against similar companies in real-time, and communicate total rewards to their candidates and employees. Figure streamlines complicated manual compensation processes into simple, secure, and collaborative workflows. Agora's mission is to bring equity and transparency to compensation for companies, employees, and candidates.

CreditBook is a digital platform that serves Pakistan’s underserved MSMEs and developers with financial solutions and services. CreditBook was launched in 2020 with the single aim to improve the financial outcomes of MSMEs across emerging markets. Starting with a bookkeeping app, the company impacted over 1 million MSMEs across 400 localities in Pakistan. CreditBook has since built a suite of financial solutions that empower underserved businesses to extend financing to their customers in a matter of hours.

Mendel offers a corporate expense management platform that streamlines financial processes for businesses. Its solutions include automated expense tracking, corporate cards, and real-time reporting to improve visibility and control over company spending. The platform integrates with accounting systems and provides analytics for better financial decision-making.

CloudTrucks develops a virtual trucking carrier application designed to reduce operating costs for truck drivers. The platform helps to manage and book loads from brokers and shippers, offer instant payments after load delivery, and access to cheap insurance options, enabling truck owners and operators to strategize their schedule and design a revenue-maximizing driving program. The company was founded in 2019 and is headquartered in San Francisco, California.

Unit helps tech companies build financial features into their products: accounts, cards, payments, and lending.

Pave helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics. 100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system. We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk. Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

Punch List makes it easy for independent contractors and homeowners to complete successful remodels together. With a simple app that offers messaging, photos, client approval of progress, and payment tracking, Punch List is the first modern tool for simple and efficient home remodeling. For contractors, Punch List simplifies client communications and helps them get paid faster with quick and easy digital invoicing. For homeowners, Punch List provides a real-time view into the status of their home remodel—gone are the days of feeling in the dark. Punch List offers them peace of mind with automatic invoices that are generated when each big task is completed, so the agreed-upon budget doesn’t go out the window. In response to the COVID-19 pandemic, Punch List launched a new app called Specialist (https://special.ist/) in April 2020. Specialist is the easiest way for professionals and their customers to connect over video chat from their home or office. It’s the SAFE, SIMPLE, and TRANSPARENT way for specialists to make money and for customers to get the help they need.

Settle" is a cash-flow management platform designed to help businesses and individuals manage their financial transactions, track expenses, and optimize cash flow. It aims to provide users with tools and insights to better understand their financial situation and make informed decisions about their money. The company was founded by Alek Koenig in November 2019 and is based in San Francisco, California.

Unit helps tech companies build financial features into their products: accounts, cards, payments, and lending.