Bossa Invest

Bart Digital streamlines agricultural credit processes for industries, traders, and distributors via workflow automation, digital signatures, and integrated services. It also provides strategic data like satellite crop monitoring to assess borrower credit risk.

Pague Bem Brasil provides a platform as a service for credit management and collections. It offers credit analysis, automated billing notices, billing history reporting, a digital archive for invoices, and legal support. The company also delivers credit protection and collection solutions through a digital recovery platform that combines research, analysis, and automated collection with human support channels to help businesses maintain or recover financial health and reduce defaults. Founded in 2016, Pague Bem Brasil is headquartered in Cabo de Santo Agostinho, Pernambuco, Brazil.

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 dedicated to democratizing finance by providing simpler, faster, and cheaper access to financial services. It connects businesses seeking credit with investors willing to lend, offering an efficient and transparent platform that leverages technology for easy, fair, and secure credit access.

Umba is an African digital bank offering free bank accounts and connected financial services. Founded in 2017, it operates in Kenya and Nigeria, providing customers with complete control of their finances via a single mobile application.

Array is a technology company specializing in software development for financial innovation. It offers platforms that enable digital brands, institutions, and fintechs to launch consumer products swiftly, driving revenue growth and enhancing digital engagement.

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.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Array is a technology company specializing in software development for financial innovation. It offers platforms that enable digital brands, institutions, and fintechs to launch consumer products swiftly, driving revenue growth and enhancing digital engagement.

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 enhances lending decisions for banks, credit unions, and fintech lenders by providing alternative data beyond traditional FICO scores. Its platform offers a user-friendly workflow and UI development tool connected to a single API, accessing hundreds of alternative data points to improve loan approvals without increasing risk.

Nova Credit is a data analytics and credit reporting company focused on expanding access to credit for immigrants by making their financial histories portable across borders. It combines alternative data with bank-grade infrastructure to provide a compliant credit platform and cross-border reporting, including solutions such as Credit Passport and cash flow underwriting and verification. The company helps lenders, property managers, and other businesses assess credit risk more accurately, enabling immigrants to access financial services and housing abroad where traditional credit data are limited. Headquartered in San Francisco, Nova Credit serves clients across industries and leverages its credit expertise to bridge gaps in conventional credit analytics and support responsible growth in open finance.

IOUU is a Fintech company dedicated to democratizing finance by providing simpler, faster, and cheaper access to financial services. It connects businesses seeking credit with investors willing to lend, offering an efficient and transparent platform that leverages technology for easy, fair, and secure credit access.

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 dedicated to democratizing finance by providing simpler, faster, and cheaper access to financial services. It connects businesses seeking credit with investors willing to lend, offering an efficient and transparent platform that leverages technology for easy, fair, and secure credit access.

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.