Goldman Sachs

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.

Selina Finance Limited, incorporated in 2018 and based in London, provides innovative digital finance services aimed at consumers and businesses. Recognizing the significant value tied up in UK homes and the reliance on costly consumer loans, credit cards, and overdrafts, the company offers flexible financing solutions that are designed to meet modern customer needs. Selina Finance enables individuals to assess their loan eligibility and provides credit facilities for property investors and businesses. By leveraging expertise in real estate, finance, and technology, Selina Finance aims to deliver a next-generation financing option that combines the flexibility of a current account, the affordability of a mortgage, and the ease of application typical of consumer loans.

Addi is a technology company that provides credit and banking solutions. Addi is headquartered in Bogota, Colombia.

Younited SA is a financial technology company that operates an online platform designed to connect individual lenders with borrowers, facilitating financial transactions without the need for traditional financial intermediaries. Founded in 2009 and headquartered in Paris, France, Younited aims to provide credit with full transparency, allowing borrowers to share their testimonials and experiences. The company, previously known as PRET d'UNION S.A. until its rebranding in March 2016, focuses on creating a streamlined and direct lending experience for its users.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.

Lendbuzz Funding, LLC offers car loans to expats and international students. The company does not require Social Security Number (SSN) and provides loans to all visa holders from all nationalities. Its customers include students, international professionals, and other young professionals that have an international credit file. The company provides access and manages its loans through an online platform and data-intensive scoring technology. Lendbuzz Funding, LLC was founded in 2015 and is based in Boston, Massachusetts.

Amount, Inc. is a technology company focused on developing mobile banking solutions for financial institutions. Established in 2018 and headquartered in Chicago, Illinois, Amount offers a comprehensive suite of products designed to enhance digital credit offerings. Its flagship product, Amount 360, is a cloud-based platform that provides an integrated approach to lending, including credit decisioning, fraud prevention, and account verification. The company's solutions cater to various financial needs such as personal loans, credit cards, and deposit accounts. Amount's technology enables partners to transition to digital operations efficiently, with the capability to optimize performance across multiple product categories. Serving clients that manage nearly $1 trillion in assets and serve over 25 million customers in the United States, Amount plays a significant role in the evolution of the digital banking landscape.

Funding U is a merit-based student lender for career-focused college students. It offers an alternative to old FICO and cosigner-based bank loan models, and offers loans on the basis of student's academic performance, career trajectory, and earning potential, thus enabling students to apply for loans with fixed interest rates and avoid dropping out of college. It was founded in 2015 and is headquartered in Atlanta, Georgia.

General Motors - Credit Card Business is a provider of financial and credit card services. The company is based in Detroit, Michigan, and it was recently acquired by Goldman Sachs.

Lendbuzz Funding, LLC offers car loans to expats and international students. The company does not require Social Security Number (SSN) and provides loans to all visa holders from all nationalities. Its customers include students, international professionals, and other young professionals that have an international credit file. The company provides access and manages its loans through an online platform and data-intensive scoring technology. Lendbuzz Funding, LLC was founded in 2015 and is based in Boston, Massachusetts.

CredFIC provides enterprise financial analytics tools primarily for family offices, investment funds, and asset administrators. The company is structured into two main segments: Software as a Service (SaaS) and Consulting as a Service (CaaS). Its offerings include financial analysis and insight consulting tailored for high-net-worth individuals (HNWIs) and ultra-high-net-worth individuals (UHNWIs), as well as enterprise-grade investment analytics and opportunity prospecting aimed at business-to-business clients, which include family offices and small investment funds. Additionally, CredFIC engages with academic institutions in India to support capacity building initiatives.

Mission Lane LLC specializes in providing credit card services to subprime consumers, aiming to facilitate access to responsible credit on transparent terms. Founded in 2018 and headquartered in Atlanta, Georgia, the company utilizes advanced technology, data analytics, and machine learning to enhance the customer experience. Mission Lane offers digital self-service tools that empower customers to manage their accounts effectively and work towards improving their credit scores. The company is dedicated to creating fair and clear credit solutions, ensuring that its terms are straightforward and accessible compared to other options in the market. By focusing on customer success, Mission Lane fosters a mutually beneficial relationship where both the company and its clients thrive together.

Konfio is a financial technology company based in Mexico City that focuses on providing online financial solutions for micro entrepreneurs and small to mid-sized enterprises. Founded in 2013, it offers a range of services including fixed-rate loans, short-term business credits, working capital loans, and online payment solutions. Additionally, Konfio provides a corporate credit card, a loyalty program, and business productivity software tools to enhance growth and operational efficiency. The company aims to support the financial needs of its clients through innovative digital banking solutions and has established itself as a key player in the Mexican fintech landscape.

Founded in 2015, Even Financial is an NYC based fintech company focused on evolving how financial institutions connect with consumers and provide them the best product recommendations at the right moment, facilitating an on-demand and personalized customer acquisition experience across the entire financial services ecosystem. The Even platform serves as a trusted intermediary for financial institutions - including Prosper, Lending Club, and Marcus by Goldman Sachs - that helps find consumers and distribute their products digitally. Even’s industry-leading search, comparison, and recommendation API is an infrastructure layer that enables hundreds of diverse partners - including Credit.com, Transunion, Money Under 30, Credit Sesame, and The Penny Hoarder - to power comprehensive personal finance websites, mobile apps, and other offerings with a modern platform that is proven to accelerate customer acquisition through optimal product recommendations, lowering cost of acquisition and maximizing monetization. Even Financial is based in New York.

Judo Bank Pty. Ltd., founded in 2016 and based in Southbank, Australia, specializes in providing lending services to small and medium enterprises (SMEs). The bank offers a range of financial products, including business loans, lines of credit, equipment loans, and finance leases. Recognizing the vital role SMEs play in the Australian economy, Judo Bank aims to deliver practical banking solutions tailored to the unique needs of these businesses. By prioritizing customer relationships, Judo Bank ensures direct interaction with decision-makers who assess each loan application based on its individual merits. This approach contrasts with traditional banking practices that often rely on complex processes. Judo Bank’s commitment to understanding its clients' specific circumstances enables it to offer customized financial solutions, fostering a supportive environment for SMEs that often lack adequate banking support.

Credijusto provides an online lending platform designed to offer easy, reliable, and transparent credit for SMEs. Its platform offers credit models that are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history, enabling small businesses to obtain accessible credits in a fraction of the time and effort and grow their business. The company's credit models are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history. The company was founded in 2015 and is based in Mexico City.

Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.

Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.

Climb Credit, Inc. is a student lending platform founded in 2014 and based in New York City. The company specializes in providing educational loans to U.S. citizens and permanent residents, focusing on accessibility, affordability, and accountability in career development. Climb partners with a variety of educational institutions that offer programs aimed at enhancing graduates' earning potential, including fields such as cybersecurity, data science, culinary arts, and aviation. By identifying schools with a proven track record of improving student outcomes, Climb offers tailored financing options designed to meet the specific needs of individuals seeking to advance their careers, regardless of their credit history. This approach ensures that students have the resources necessary to pursue their career ambitions and successfully navigate an evolving job market.

Capify provides business loans to small and medium-sized enterprises (SME) in the United Kingdom using a proprietary online technology platform that is disrupting the traditional business loan model. The company offers loans of up to £50,000 through a fully online platform. Repayments are negotiated based on average turnover value and are designed to work alongside a business’ cash flow. Qualified applicants can receive funds directly into their business bank account within days.

Sixup PBC, Inc. is a for-profit technology company based in San Francisco that provides an online platform offering loans to low-income, high-achieving students. Established in 2014, Sixup focuses on addressing the financial needs of underserved students by aggregating, underwriting, and funding loans that support their educational pursuits. The company aims to create a new asset class, termed Future-Prime, which encompasses approximately seven million students and represents a significant annual market volume. Sixup is supported by $14 million in equity funding from various investors, including Collaboration Capital and the Kellogg Foundation, and has secured an additional $41 million in lending and grant capital from institutions like Goldman Sachs and Deutsche Bank. Operating in 18 states, Sixup collaborates with numerous community-based and advocacy organizations to enhance access to education for its target demographic.

Prodigy Finance Limited operates an online platform that facilitates education loans for international postgraduate and MBA students, enabling access to higher education that may otherwise be financially unattainable. Founded in 2006 and headquartered in London, the platform connects student borrowers with a community of lenders, which includes alumni, institutional investors, qualified private investors, and banks. These lenders collectively fund the loans, offering financial and social returns on their investments. The company utilizes localized lending templates and historical earnings data to assess cross-border risk, allowing it to serve students from over 150 nationalities. Through this innovative approach, Prodigy Finance aims to bridge the funding gap for aspiring international students.

Founded in 2015, Even Financial is an NYC based fintech company focused on evolving how financial institutions connect with consumers and provide them the best product recommendations at the right moment, facilitating an on-demand and personalized customer acquisition experience across the entire financial services ecosystem. The Even platform serves as a trusted intermediary for financial institutions - including Prosper, Lending Club, and Marcus by Goldman Sachs - that helps find consumers and distribute their products digitally. Even’s industry-leading search, comparison, and recommendation API is an infrastructure layer that enables hundreds of diverse partners - including Credit.com, Transunion, Money Under 30, Credit Sesame, and The Penny Hoarder - to power comprehensive personal finance websites, mobile apps, and other offerings with a modern platform that is proven to accelerate customer acquisition through optimal product recommendations, lowering cost of acquisition and maximizing monetization. Even Financial is based in New York.

Yirendai is the consumer finance arm of Chinese peer-to-peer (P2P) lender CreditEase. It is focused on providing an effective solution to address largely underserved investor and individual borrower demand in China through an online platform that automates key aspects of its operations to efficiently match borrowers with investors and execute loan transactions.

MFS, Inc. is a consumer lending company based in Tokyo, Japan, established in 2009. It specializes in providing online mortgage services, streamlining the process of obtaining home loans for consumers without the need to search for, apply for, or negotiate with traditional financial institutions. MFS has garnered significant media attention, being featured in prominent outlets such as NHK, Nihon Keizai Shimbun, and Yomiuri Shimbun, which highlights its innovative approach in the lending sector.

Final, Inc. is a fintech company based in Oakland, California, founded in 2014. It focuses on enhancing consumer protection against fraud and theft through its innovative credit card and mobile application. The service allows users to generate multiple credit card numbers, including disposable ones for single-use purchases, thus providing a secure way to engage with various merchants. Users gain insights into their transactions and spending habits while minimizing the risks associated with account breaches and card cancellations. Final aims to empower consumers by offering greater control over their financial interactions, effectively reducing the potential for financial fraud. The company has received venture backing and participated in the Y Combinator accelerator program in 2015.

Sixup PBC, Inc. is a for-profit technology company based in San Francisco that provides an online platform offering loans to low-income, high-achieving students. Established in 2014, Sixup focuses on addressing the financial needs of underserved students by aggregating, underwriting, and funding loans that support their educational pursuits. The company aims to create a new asset class, termed Future-Prime, which encompasses approximately seven million students and represents a significant annual market volume. Sixup is supported by $14 million in equity funding from various investors, including Collaboration Capital and the Kellogg Foundation, and has secured an additional $41 million in lending and grant capital from institutions like Goldman Sachs and Deutsche Bank. Operating in 18 states, Sixup collaborates with numerous community-based and advocacy organizations to enhance access to education for its target demographic.

Financeit USA Inc. provides an online platform that allows businesses to offer consumer financing to their customers from various Web enabled devices. It also enables user to create and manage loans. The company was founded in 2011 and is based in New York, New York. Financeit USA Inc. operates as a subsidiary of Financeit Canada Inc.

Bond Street is a startup focused on transforming small business lending through technology, data, and design. Small business owners are the foundation for growth in the economy, and yet today’s banking system has left them behind. It is building a better future where access to financing is simple, transparent, and fair. The company was founded in 2013 and is headquartered in New York, New York.

Better Holdco, Inc. is a digital mortgage lending company based in New York that offers a streamlined online platform for residential clients in multiple states across the U.S. Founded in 2016, Better.com focuses on providing a transparent and efficient home-financing experience by eliminating commissions, fees, and traditional branch appointments. The company offers a variety of mortgage options, including fixed and adjustable rates for conventional and jumbo loans, as well as refinancing services. In addition to mortgage lending, Better.com features a digital marketplace that provides competitive quotes from various insurance providers and connects clients with leading real estate agents. Since its inception, Better.com has facilitated $7.9 billion in home loans and $1 billion in insurance, aiming to democratize access to home financing.

Meilleurtaux.com is a provider of advisory and brokerage services to individuals searching for real estate loans. The company focused on mortgage loans, credit repurchase, borrower insurance and consumer credit and operates through online and through a network of franchises and has established relationships with many of France's retail banks and insurers. It aims to put online on its site tools such as calculators, rate barometers and various simulation tools as well as advise individuals looking for financial services, starting with mortgage loans.

Fundation Group LLC develops and provides digital credit lending platform that connects financial institutions and small businesses. The company partners with banks and other institutions to provide working capital and growth capital to the small business community. It offers outsourced lending and referral programs, along with point of sale financing solutions. Fundation Group LLC was founded in 2011 and is based in Reston, Virginia.

Future Finance is a non-government lender that offers student loans. Its mission is to provide loans for students that are simple, straightforward, and based on where they're heading, not where they've been. Future Finance helps students focus on what matters. Therefore, it aims to ensure everyone has the freedom to focus on their studies or kickstart their career whatever their financial background may be. It was founded in 2014 by Brian Norton and Vishal Garg and is headquartered in Dublin.

OnDeck is a technology-driven financial platform that offers loan financing specifically tailored for small and medium-sized businesses. Founded in 2006 and headquartered in New York City, the company utilizes proprietary software to collect and analyze operational data from businesses, employing an algorithm to assess loan eligibility based on performance rather than solely on personal credit scores. This innovative approach facilitates efficient access to capital, addressing a significant challenge faced by small businesses. By focusing on actual business performance, OnDeck enables companies to concentrate on growth and customer service instead of the complexities of securing loans. The company expanded its services to Australia in 2015, further broadening its reach in providing responsible credit access.

LoanTrader, an online marketplace that connects mortgage brokers with lenders,

CompuBank brings together a wide range of banking and financial services for consumers and businesses.