Variant Investments

Zanifu is a regulated financial technology company that focuses on providing inventory financing for micro, small, and medium enterprises (MSMEs) in Sub-Saharan Africa. The company’s platform facilitates access to working capital by enabling small retailers to procure inventory from suppliers with the option to pay later. Designed with a mobile-first approach, Zanifu's platform is tailored to function effectively in areas with limited internet connectivity, thereby enhancing efficiency in supply chain operations. By addressing the financing needs of MSMEs, Zanifu plays a crucial role in supporting the consumer goods value chain in the region.

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 specializes in providing online, instant, and affordable financing solutions for small businesses in the United States. Founded in 2017, the company offers a financial services platform designed to facilitate flexible credit services at a fixed subscription fee. This platform enables users to access coworking spaces without the burden of upfront deposits or rent, paying instead a monthly fee for an easy credit line. In December 2021, Salaryo was acquired by Meitav Investment House, a prominent Israeli institutional asset manager, and subsequently, in March 2023, it was acquired by Variant Investments, a US-based alternative credit investment fund.

Fvndit, Inc., founded in 2018 and based in Irvine, California, operates as a fintech company specializing in providing solutions for working capital challenges faced by small and medium-sized enterprises (SMEs) in Vietnam. As a leading peer-to-peer lending marketplace, Fvndit connects borrowers with lenders, facilitating access to financial resources that help SMEs grow and thrive in a competitive market. The company's focus on the Vietnamese market underscores its commitment to addressing the unique financial needs of local businesses.

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.