Endeavor Catalyst

Flow48 is a platform that specializes in revenue-based financing, providing companies with access to capital to stabilize their cash flow. The platform offers upfront lump-sum investments that businesses can use for purposes such as inventory purchases or capital expenditures. This funding model allows companies to generate future revenues while benefiting from rapid access to funds and flexible repayment options. Flow48 aims to support businesses in their growth and operational needs through innovative financial solutions.

Solvento is a fintech company that focuses on developing a payment and credit infrastructure specifically for the trucking sector. Its platform enhances the supply chain by offering reliable and user-friendly tools designed to automate payments and finance invoices. By extending credit lines to truckers, Solvento enables them to access funds immediately upon delivery of goods, thus addressing their liquidity needs. The platform integrates seamlessly with transportation management systems (TMS), GPS, and enterprise resource planning (ERP) systems, allowing clients to automate payment processing and streamline their operations. This allows truckers to concentrate on their core business activities and foster growth.

Ume is a consumer finance platform designed to simplify access to credit, particularly for low-income individuals who lack traditional banking resources. By offering purchase credit through retailers' points of sale, Ume eliminates hidden fees, unclear terms, and high interest rates, fostering a more inclusive financial environment. The platform aims to empower consumers to achieve their personal financial goals while enabling retailers to offer a risk-free credit alternative. Through its competitive pricing and commitment to transparency, Ume seeks to democratize credit access and create an economic landscape that benefits both consumers and retailers.

Flow48 is a platform that specializes in revenue-based financing, providing companies with access to capital to stabilize their cash flow. The platform offers upfront lump-sum investments that businesses can use for purposes such as inventory purchases or capital expenditures. This funding model allows companies to generate future revenues while benefiting from rapid access to funds and flexible repayment options. Flow48 aims to support businesses in their growth and operational needs through innovative financial solutions.

Money Fellows is a collaborative lending and savings platform designed to help individuals access interest-free credit and achieve better savings outcomes. The platform allows users to form circles with friends and family, enabling them to pool their resources into a common fund. Participants can contribute to this fund and take turns withdrawing the total amount, facilitating a supportive financial network. By leveraging social connections, Money Fellows provides a unique approach to saving and borrowing, promoting financial collaboration among users.

CERC Central de Recebíveis S.A. is a financial technology company based in São Paulo, Brazil, that specializes in enhancing the use of receivables in credit operations. Founded in 2015, CERC has developed an intelligent platform designed to provide security and efficiency for lenders utilizing receivables as collateral. The company aims to transform the credit market by facilitating accelerated and sustainable credit growth for businesses of various sizes. By focusing on improving the infrastructure surrounding credit transactions, CERC seeks to increase the overall reliability of receivable-based lending.

Chari is an e-commerce and fintech platform designed to support traditional retailers in French-speaking Africa by enabling them to order consumer goods efficiently. Through its application, retailers can conveniently place orders for fast-moving consumer goods, which are delivered for free within 24 hours. In addition to its logistics services, Chari provides financial support to these retailers by offering microloans, facilitating their operational needs and growth. The company's mission centers on empowering entrepreneurs by ensuring a reliable supply of goods and access to financial resources, simplifying the process of digitizing their retail operations.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. The company offers a range of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing through an online platform. Xepelin aims to provide SMEs with economic freedom in their financial decisions by allowing clients to personalize services to meet their specific needs. With a team of over 500 employees, Xepelin leverages advanced financial indicators and risk assessments to streamline decision-making processes within the business ecosystem. The company is supported by notable investors, positioning it as a leader in the region's evolving financial landscape.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

Brex Inc. is a financial technology company that provides corporate credit cards and integrated financial services to businesses. Established in 2017 and headquartered in San Francisco, California, Brex has additional offices in Draper, Utah; Vancouver, Canada; and New York, New York. The company offers the Brex Mastercard Corporate Credit Card, which features reward programs for various categories, including rideshare, travel, dining, and software subscriptions. By combining financial services with existing software applications, Brex enables businesses to streamline their financial operations and empower employees to make informed financial decisions. This innovative approach helps companies navigate the complexities of the modern business environment and enhances their growth potential.

MNT-Halan is a microfinance lending and payments company focused on serving the unbanked population and promoting electronic payment solutions. The company offers a diverse range of financial services, including small and micro business lending, consumer finance, and digital payment options such as mobile wallets and cards. By combining proprietary digital channels with physical networks, MNT-Halan aims to facilitate the digitalization of banking services for both commercial and retail clients. Through its innovative solutions, MNT-Halan seeks to replace cash transactions with more accessible and efficient electronic alternatives.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Figopara is a financial technology company that offers a supplier finance platform aimed at improving short-term financing for businesses. The platform allows customers to discount their e-invoices before they are due by leveraging offers from financial institutions. This service enables buyers to extend their payment terms easily, while suppliers can access their post-paid receivables immediately, thus enhancing their cash flow. By providing secure and relevant information about the customer's financial associations, Figopara facilitates a smoother transaction process, ultimately helping clients increase their working capital and profitability.

CERC Central de Recebíveis S.A. is a financial technology company based in São Paulo, Brazil, that specializes in enhancing the use of receivables in credit operations. Founded in 2015, CERC has developed an intelligent platform designed to provide security and efficiency for lenders utilizing receivables as collateral. The company aims to transform the credit market by facilitating accelerated and sustainable credit growth for businesses of various sizes. By focusing on improving the infrastructure surrounding credit transactions, CERC seeks to increase the overall reliability of receivable-based lending.

Altruist is a company focused on enhancing the accessibility and affordability of independent financial advice. It offers a digital investment platform that streamlines operations for financial advisors, automating research and helping identify client needs. By improving efficiency, Altruist empowers advisors to reduce their fees, allowing clients to pay less while increasing their financial confidence. The company supports thousands of financial professionals, ultimately benefiting tens of millions of individuals seeking a better experience with their finances.

Investree is a B2B marketplace lending platform based in Indonesia, licensed by the Financial Services Authority (OJK) for both conventional and Shariah-compliant financing. Established in October 2015, the company has expanded its regional presence to Thailand and plans to enter the Philippines. Investree's mission is to leverage technology and data to provide small and medium enterprises (SMEs) with access to working capital from retail and institutional lenders. The platform employs a B2B acquisition model to attract SME borrowers through strategic partnerships with e-procurement platforms and payment gateway providers, enhancing verification processes and reducing acquisition costs. Led by a team of seasoned professionals, Investree has successfully facilitated over USD 230 million in funding since its inception, serving more than 1,000 SMEs while maintaining a strong asset quality.