Bossa Invest

Bart Digital is a software company that specializes in streamlining agricultural credit granting processes for industries, traders, and distributors. By leveraging workflow automation and digital signatures, Bart Digital significantly reduces the bureaucratic delays often associated with these operations. The platform facilitates the integration of various stakeholders, including producers and resellers, thereby enhancing the efficiency of commodity exchange operations for agricultural inputs. Additionally, Bart Digital offers strategic information services, such as satellite monitoring of crops and environmental compliance data, which aid clients in assessing borrowers' credit risk. Through the use of artificial intelligence for automatic document analysis, Bart Digital empowers clients to execute private lending operations more effectively while minimizing exposure to market volatility.

Pague Bem Brasil is a company that offers a digital platform designed to enhance credit protection and collection solutions for businesses. Founded in 2016 and headquartered in Cabo de Santo Agostinho, Pernambuco, Brazil, the company provides services such as credit analysis, automated billing emails, billing history reports, and digital archives of invoices, along with legal support. Pague Bem Brasil focuses on helping companies manage and recover their financial health by minimizing defaults through its agile and practical approach, which includes automation and human conversion service channels.

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

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.

IOUU is a Fintech company focused on transforming traditional financial services to make them more accessible and efficient. The company offers a peer-to-peer lending platform that connects businesses and individuals seeking credit with investors and lending institutions. By leveraging technology, IOUU aims to streamline access to financial services, providing a more transparent and efficient alternative to traditional loan processes. The platform emphasizes financial inclusion and personalized development, ensuring that clients can secure better credit options. Through the use of innovative solutions, including non-traditional data sources and machine learning, IOUU seeks to enhance the customer experience and promote ethical lending practices. The company's mission is to democratize finance and create lasting relationships by delivering greater value and improved opportunities in digital banking.

Umba is a digital banking company based in Nairobi, Kenya, founded in 2017. It offers a mobile application that provides a range of financial services, including free bank accounts and the ability to apply for, receive, and repay microloans directly through mobile devices. The platform employs machine learning to assess credit eligibility and create risk scores, which helps optimize risk management for users and financial institutions. By delivering an interconnected ecosystem of financial services, Umba empowers customers in Kenya and Nigeria to gain complete control over their finances in a single app.

Array is a technology company that empowers digital brands, financial institutions, and fintech firms to rapidly launch consumer-focused financial products and features. Its platform enables clients to boost revenue and enhance digital engagement, while promoting financial literacy among their customers. Array's software measures and provides personalized credit and financial data, ensuring secure and customizable solutions for businesses.

Prospa Advance Pty Ltd., established in 2011 and headquartered in Sydney, specializes in providing unsecured business loans to small enterprises across Australia. It offers tailored financing solutions for various purposes such as working capital, inventory, equipment purchases, renovations, expansion, tax obligations, marketing, payroll, partnership buyouts, and other business needs. Prospa's proprietary technology platform facilitates a swift and convenient online application process, enabling thousands of Australian small businesses to access finance efficiently. The company has been recognized for its rapid growth and innovation, including being named the fastest-growing technology company in Australia by Deloitte Tech Fast 50 in 2015.

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.

BloomCredit is a fintech platform focused on enhancing the financial eligibility of individuals who have been declined for lending products. Founded in 2016 and based in New York, the company employs a data-driven approach to provide actionable insights and guidance. By collaborating directly with lenders, BloomCredit conducts consumer credit analysis and ongoing credit monitoring, notifying lenders when applicants meet eligibility criteria. This process not only helps consumers improve their financial health but also increases their chances of securing loans. Additionally, BloomCredit offers advanced developer-friendly API solutions that promote and monitor credit health, fostering trust between consumers and financial institutions.

Bright Money is an AI-powered financial management platform that assists consumers in achieving debt freedom. The company focuses on helping users eliminate various forms of debt, including credit card, student, and auto loans, by leveraging machine learning algorithms to analyze individual financial data. Bright Money offers personalized insights into spending habits, budgeting, and overall financial health, empowering users to reduce financial stress and make informed decisions. The platform also provides tailored credit products and tools designed to enhance financial wellness, enabling users to build savings and attain better financial stability. Through its innovative approach, Bright Money aims to support consumers on their journey toward improved financial management.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Array is a technology company that empowers digital brands, financial institutions, and fintech firms to rapidly launch consumer-focused financial products and features. Its platform enables clients to boost revenue and enhance digital engagement, while promoting financial literacy among their customers. Array's software measures and provides personalized credit and financial data, ensuring secure and customizable solutions for businesses.

Prospa Advance Pty Ltd., established in 2011 and headquartered in Sydney, specializes in providing unsecured business loans to small enterprises across Australia. It offers tailored financing solutions for various purposes such as working capital, inventory, equipment purchases, renovations, expansion, tax obligations, marketing, payroll, partnership buyouts, and other business needs. Prospa's proprietary technology platform facilitates a swift and convenient online application process, enabling thousands of Australian small businesses to access finance efficiently. The company has been recognized for its rapid growth and innovation, including being named the fastest-growing technology company in Australia by Deloitte Tech Fast 50 in 2015.

Nira is a financial technology company focused on promoting financial inclusion through accessible and transparent lending products. The company has developed a digital credit application that simplifies the process of obtaining small-sized loans. Users can easily upload necessary documents and select their desired loan amount, receiving a decision within three minutes. This streamlined approach enables individuals to gain immediate access to funds, empowering them to make choices that enhance their financial freedom. Nira aims to create an environment where users can confidently manage their financial needs with clarity and ease.

Conductiv is a technology company that enhances the lending process for credit unions, banks, and fintech lenders by leveraging alternative data to improve loan approvals without increasing risk. The company has developed an artificial intelligence-based platform that digitizes data collection, utilizing user experience and permissioned data to streamline the lending workflow. By integrating machine learning, Conductiv enables lenders to access hundreds of alternative data points through a single API, facilitating more accurate lending decisions. This innovative approach not only increases loan approval and funding rates but also continuously improves the efficiency of the lending process, ultimately allowing lenders to make more loans with reduced effort.

Nova Credit Inc. is a credit reporting agency based in San Francisco, California, incorporated in 2016. The company specializes in providing cross-border credit services, enabling immigrants to access financial services and housing by leveraging their credit history from their home countries. Nova Credit utilizes alternative credit data and bank-grade infrastructure to enhance traditional credit analytics, offering solutions such as Credit Passport®, which assists lenders in evaluating creditworthiness for individuals with limited local credit histories. Additionally, its Cash Atlas™ product provides cash flow underwriting and verification. By serving as a bridge between data and credit excellence, Nova Credit empowers businesses to make informed decisions and fosters responsible growth in the open finance landscape. The company collaborates with prominent organizations like American Express, Verizon, and HSBC, and is backed by notable investors and industry executives.

IOUU is a Fintech company focused on transforming traditional financial services to make them more accessible and efficient. The company offers a peer-to-peer lending platform that connects businesses and individuals seeking credit with investors and lending institutions. By leveraging technology, IOUU aims to streamline access to financial services, providing a more transparent and efficient alternative to traditional loan processes. The platform emphasizes financial inclusion and personalized development, ensuring that clients can secure better credit options. Through the use of innovative solutions, including non-traditional data sources and machine learning, IOUU seeks to enhance the customer experience and promote ethical lending practices. The company's mission is to democratize finance and create lasting relationships by delivering greater value and improved opportunities in digital banking.

Nira is a financial technology company focused on promoting financial inclusion through accessible and transparent lending products. The company has developed a digital credit application that simplifies the process of obtaining small-sized loans. Users can easily upload necessary documents and select their desired loan amount, receiving a decision within three minutes. This streamlined approach enables individuals to gain immediate access to funds, empowering them to make choices that enhance their financial freedom. Nira aims to create an environment where users can confidently manage their financial needs with clarity and ease.

IOUU is a Fintech company focused on transforming traditional financial services to make them more accessible and efficient. The company offers a peer-to-peer lending platform that connects businesses and individuals seeking credit with investors and lending institutions. By leveraging technology, IOUU aims to streamline access to financial services, providing a more transparent and efficient alternative to traditional loan processes. The platform emphasizes financial inclusion and personalized development, ensuring that clients can secure better credit options. Through the use of innovative solutions, including non-traditional data sources and machine learning, IOUU seeks to enhance the customer experience and promote ethical lending practices. The company's mission is to democratize finance and create lasting relationships by delivering greater value and improved opportunities in digital banking.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.