Variant Investments

Zanifu is a regulated financial technology company that specializes in inventory financing for micro, small, and medium enterprises (MSMEs) in Sub-Saharan Africa. The company develops a microlending platform designed to enhance efficiency in supply chain operations, allowing small retailers and wholesalers to access working capital for inventory procurement. With a mobile-first approach, Zanifu's platform is tailored for environments with low internet penetration, enabling users to secure financing and pay suppliers at a later date. By facilitating access to necessary resources, Zanifu supports the growth and sustainability of MSMEs within the consumer goods value chain.

Outcome is a financial company. They offer a novel form of outcome-based education financing. Their services include those for educators and funders. They support the creation and expansion of inclusive, sustainable Income Share Agreements and Deferred Tuition Agreements.

Salaryo is a fintech lender that provides online, instant, and affordable financing solutions for small businesses in the US. Founded in 2017, the company offers a financial services platform designed to provide instant coverage for office deposits through a flexible credit service at a fixed subscription fee. This enables users to access partner coworking spaces without paying upfront deposits or rent. Salaryo was acquired by Variant Investments, a US-based alternative credit investment fund in March 2023.

Fvndit, Inc., founded in 2018 and based in Irvine, California, is a fintech company dedicated to addressing the working capital challenges faced by small and medium-sized enterprises (SMEs) in Vietnam. As a leading peer-to-peer lending marketplace, Fvndit connects SMEs with potential investors, facilitating access to the funding necessary for their growth and operational needs. The company's platform aims to streamline the lending process and enhance financial accessibility for Vietnamese SMEs, contributing to their development and sustainability in a competitive market.

Edly Inc. is an online marketplace that offers income share agreement (ISA) financing services aimed at students seeking alternative tuition funding. Founded in 2019 and headquartered in Briarcliff Manor, New York, the company facilitates connections between ISA investors and issuers, including educational institutions such as colleges, skill academies, and vocational schools. By focusing on income-based repayment options, Edly enables students to access financial support while allowing impact investors to engage in funding educational opportunities.