Citi

Iwoca Ltd. is a credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

Numerated is a fintech company that simplifies business banking for financial institutions and their clients through its innovative digital lending platform. This platform enables banks and credit unions to enhance customer experience by leveraging data to streamline the origination of various business banking products, facilitating the entire process from application to decision and closure. The software includes features such as pre-filled digital applications, decision automation, and sales and marketing tools, thereby making it easier for businesses to obtain financial products. With over 400,000 businesses and 30,000 financial institution associates utilizing the platform, Numerated has processed $50 billion in lending. Financial institutions with a collective asset base of $1 trillion employ Numerated's solutions, which have garnered recognition in the fintech industry for their effectiveness and innovation.

Iwoca Ltd. is a credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

Abound is a consumer lending startup based in London, United Kingdom, that aims to provide low-cost personal credit as an alternative to expensive payday loans. Founded in 2020, the company leverages the UK’s Open Banking standard to analyze consumers' historical bank statement data. This approach allows Abound to develop a detailed understanding of customers' financial situations, enabling them to assess affordability more accurately while reducing dependence on traditional credit reference agency scores. By focusing on individuals with low credit scores, Abound seeks to expand access to affordable credit, thereby promoting financial inclusion.

Sunbit, Inc. is a financing service provider that enables users to split purchases into affordable payments, enhancing financial accessibility for everyday needs. Founded in 2015 and headquartered in Los Angeles, California, the company utilizes artificial intelligence and machine learning technology to approve a majority of applicants, thereby reducing the financial stress associated with larger purchases. Sunbit offers a point-of-sale lending platform that is integrated into various service locations, including auto dealerships, optical practices, dental offices, and specialty healthcare services. In addition to its financing solutions, Sunbit provides tools such as tablets, scanners, and informational sheets to assist retailers in facilitating transactions. The company also has mobile applications available on major platforms, allowing users to access its services conveniently from their smartphones.

Abound is a consumer lending startup based in London, United Kingdom, that aims to provide low-cost personal credit as an alternative to expensive payday loans. Founded in 2020, the company leverages the UK’s Open Banking standard to analyze consumers' historical bank statement data. This approach allows Abound to develop a detailed understanding of customers' financial situations, enabling them to assess affordability more accurately while reducing dependence on traditional credit reference agency scores. By focusing on individuals with low credit scores, Abound seeks to expand access to affordable credit, thereby promoting financial inclusion.

Founded in 2019, Lentra is a technology company that provides a SaaS platform aimed at democratizing digital lending for banks and non-banking financial companies (NBFCs). The platform utilizes an artificial intelligence-driven, modular architecture that allows financial institutions to create customized loan products and enhance customer experiences. Lentra's services support over 50 banks and facilitate the processing of approximately 2 million loan applications each month, totaling over $20 billion in processed loan applications. The company's solutions enable clients to expand their market reach, minimize non-performing assets, and optimize operational efficiencies, all while offering a flexible pay-as-you-go pricing model to support their growth.

ChargeAfter Ltd operates a consumer financing platform that connects merchants with a network of global lenders to provide personalized and responsible financing options at the point of sale. Founded in 2017 and headquartered in Ramat Gan, Israel, with additional offices in California and New York, the company offers a data-driven decisioning engine that facilitates real-time financing offers tailored to various consumer credit types. This approach enables approvals for nearly all customer applications, enhancing the shopping experience for consumers while allowing retailers to implement the platform quickly both online and in-store. ChargeAfter’s platform features detailed transaction reporting and white-label options, enabling merchants to seamlessly integrate multiple financing products into their sales processes. By streamlining credit distribution, ChargeAfter helps merchants boost conversion rates, increase average order values, and foster customer loyalty.

Octane is a financing platform focused on facilitating lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment. The company aims to enhance the buying experience by integrating advanced technology and innovative risk strategies. Octane provides value at every stage of the customer journey, from inspiring enthusiasts through its editorial brands to offering a suite of e-commerce tools that enable instant online prequalification for financing. Additionally, it connects customers with partner dealerships for a streamlined closing process and delivers exceptional support throughout the loan servicing phase. Operating as a remote-first organization, Octane collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States, making significant strides in the industry and earning recognition as one of America's fastest-growing private companies.

OfferPad, LLC is a technology-driven real estate company based in Gilbert, Arizona, founded in 2015. It operates an online platform that facilitates the buying and selling of homes, primarily in cities such as Phoenix, Las Vegas, Salt Lake City, Tampa, Orlando, and Los Angeles. The platform enables homeowners to submit necessary documents online and offers on-site home inspections to streamline the selling process. By combining real estate expertise with a data-driven approach, OfferPad provides a seamless, end-to-end experience for consumers, allowing them to manage their housing needs with greater convenience and certainty. Additionally, the company offers access to various related services, including mortgage options, home listings, renovations, and buyer representation.

Octane is a financing platform focused on facilitating lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment. The company aims to enhance the buying experience by integrating advanced technology and innovative risk strategies. Octane provides value at every stage of the customer journey, from inspiring enthusiasts through its editorial brands to offering a suite of e-commerce tools that enable instant online prequalification for financing. Additionally, it connects customers with partner dealerships for a streamlined closing process and delivers exceptional support throughout the loan servicing phase. Operating as a remote-first organization, Octane collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States, making significant strides in the industry and earning recognition as one of America's fastest-growing private companies.

BDO Unibank, Inc. is a full-service universal bank based in the Philippines, offering a comprehensive range of banking products and services. Its offerings include deposit accounts, personal and corporate loans, and various insurance products. The bank also provides remittance services, investment banking, and cash management solutions. With a strong emphasis on customer service, BDO Unibank supports clients through private, online, mobile, and phone banking options. Its extensive network consists of numerous branches and automated teller machines across the country. Founded in 1967 and headquartered in Makati City, BDO Unibank serves both individual and institutional clients, making it a significant player in the Philippine banking sector. The bank is a member of the SM Group, further enhancing its market presence and service capabilities.

Cobalt offers essential risk and data services to participants in the foreign exchange market while extending these regulatory compliant solutions to the digital asset market. Additionally, the company provides high-risk payment solutions and funding services tailored for small businesses in various sectors, including hospitality, automotive, e-commerce, and retail. Through its diverse offerings, Cobalt aims to address the unique challenges faced by businesses in high-risk environments, facilitating seamless transactions and access to capital.

Citibanamex, founded in 1884 and headquartered in Mexico City, is a prominent commercial bank that offers a wide range of financial products and services aimed at both personal and corporate clients in Mexico and the United States. The bank provides various financing solutions, including mortgage loans, personal loans, debt, financial leasing, and revolving credit. Additionally, Citibanamex offers credit cards and business checking accounts, catering to diverse customer needs. The institution is recognized for its expertise in currency exchange rates, further enhancing its comprehensive service portfolio.