FinTech Ventures Fund

Pull Logic is a software-as-a-service (SaaS) platform focused on reducing lost sales in the retail industry due to stockouts. Founded in 2020 and based in Atlanta, Georgia, the company employs advanced technology to enhance product availability. Its key offerings include IntelLogic, a predictive product and substitute analytics tool, and AgileNetworkLogic, a data-driven product availability network that quickly adapts to customer needs. Leveraging proprietary, AI-driven solutions developed under the guidance of Dr. Benoit Montreuil, Pull Logic enables retailers to improve demand forecasting and optimize inventory management. This approach allows retailers to provide acceptable product substitutes, ensuring customers can access desired items even when specific products are out of stock, ultimately maximizing sales potential and enhancing profitability.

battleface, Inc. is a global travel insurance agency that specializes in providing tailored insurance services for travelers and expatriates. The company offers a range of unique travel insurance products and benefits designed to meet the specific needs of individuals traveling or working internationally. Utilizing an API-based distribution system, battleface enables partners to access custom and white-label insurance options, allowing for flexibility in services, benefits, and pricing. With a focus on delivering a simplified and responsive customer experience, battleface ensures that customers can easily select and manage their insurance products from any device at any time.

Vint is an investment platform that enables investors to acquire shares in curated collections of investment-grade wines and spirits. By securitizing these collections with regulatory approval, Vint offers fractional ownership, allowing individuals to diversify their portfolios through wine investments. The company utilizes data models and analytics, alongside a team of industry experts, to source high-quality wines and spirits. These assets are securely stored in a network of cellars until optimal market conditions arise. At that point, Vint collaborates with merchant partners, auction houses, and private buyers to sell the assets, distributing the proceeds to investors on a pro-rata basis.

Steady is a leading technology platform for property managers and owners of single-family rental homes. Steady offers a suite of tailored financial and insurance products that are designed to reduce risk for the owners generate ancillary revenue for our property manager partners. Steady’s technology provides property managers with products that benefit their owners, while also giving them competitive differentiation to grow their businesses.

Kredit specializes in facilitating communication for the settlement of credit card debts and overall debt resolution. Its software serves as a centralized platform where consumers can engage with loan providers, collection agencies, and debt buyers to explore flexible payment options. This system empowers distressed borrowers by enabling them to present valid claims for relief, highlighting their needs for debt restructuring or forgiveness. Additionally, Kredit assists users in identifying the flexible resolution options available to them, allowing for seamless interaction with various financial product providers in one comprehensive location.

Vero Technologies is a commercial lending platform that specializes in inventory loan management software for small and medium-sized businesses (SMBs). Founded in 2020 and based in New York, the company offers a comprehensive solution that combines technology and services to assist financial institutions, wholesalers, and dealers in managing inventory loans efficiently. Its platform facilitates underwriting, funding, risk assessment, and portfolio management, allowing bank and credit union partners to provide floor plan financing without the need for new systems or additional personnel. Additionally, Vero Technologies equips SMB owners with tools to effectively oversee their treasury and capital outflows, enabling them to scale their lending programs through an automated funding system.

Redkik is a global Insurtech company focused on enhancing the insurance landscape for logistics and transportation. Its innovative platform streamlines the insurance process by replacing traditional, complex annual policies with on-demand, per-shipment cargo insurance. By integrating with licensed insurance providers, Redkik enables transport intermediaries to offer customized insurance solutions at the point of sale. This approach allows clients in the logistics and transportation sectors to access tailored, competitive quotes instantly, transforming the way insurance is managed within the industry. With a team experienced in logistics, risk management, and technology, Redkik aims to bring intelligence and efficiency to insurance, ultimately providing peace of mind for businesses and their customers.

QuEra Computing is a company focused on developing quantum computing technology. They specialize in building large-scale quantum computers using neutral atoms. QuEra uses innovative techniques to manipulate and control qubits for quantum computation, aiming to solve complex problems in fields like chemistry, materials science, and machine learning. Their quantum computers operate on a platform that leverages arrays of neutral atoms that are highly scalable, providing a path toward achieving quantum advantage for practical applications.

Vint is an investment platform that enables investors to acquire shares in curated collections of investment-grade wines and spirits. By securitizing these collections with regulatory approval, Vint offers fractional ownership, allowing individuals to diversify their portfolios through wine investments. The company utilizes data models and analytics, alongside a team of industry experts, to source high-quality wines and spirits. These assets are securely stored in a network of cellars until optimal market conditions arise. At that point, Vint collaborates with merchant partners, auction houses, and private buyers to sell the assets, distributing the proceeds to investors on a pro-rata basis.

StartSure is a software platform that focuses on simplifying the acquisition of business insurance for small businesses, startups, entrepreneurs, and independent contractors. By streamlining the process of obtaining, reviewing, and purchasing comprehensive insurance, the platform allows users to receive tailored quotes with minimal effort. StartSure aims to provide affordable insurance plans that meet the specific needs of its clients, thereby making it easier for them to secure the coverage necessary to protect their businesses.

Momnt is a provider of embedded financial services that specializes in modern lending solutions, enabling businesses to offer affordable financing at the point of need. Utilizing an API-based platform, Momnt leverages alternative data and advanced technologies like machine learning and artificial intelligence to deliver real-time, customized loan offers to borrowers. This approach ensures compliance with existing financial regulations while creating a transparent borrowing experience for consumers. By streamlining digital lending and payment processes, Momnt not only supports individual borrowers but also provides merchants with opportunities for business growth, all while maintaining the essential role of financial institutions in the lending landscape.

PAXAFE, Inc. specializes in developing innovative hardware and software solutions for packaging, focusing on Internet of Things (IoT) technology to enhance the security and traceability of high-value shipments. Founded in 2018 and based in Milwaukee, Wisconsin, the company offers a risk management platform that utilizes telematics and data integration to monitor shipments of items such as jewelry, electronics, pharmaceuticals, and luxury goods. PAXAFE's solutions aim to prevent theft and ensure chain-of-custody integrity while improving operational efficiency for shippers and carriers. By providing insights into potential supply chain disruptions and facilitating intelligent cargo insurance, PAXAFE enhances decision-making processes and helps businesses mitigate losses associated with adverse shipping events.

Marble is an insurance management platform focused on enhancing the customer experience by offering a rewards-based membership program. This innovative approach allows users to manage their home and auto insurance policies in a single digital wallet, where they can easily compare rates and find suitable policies. By prioritizing the needs of its members, Marble aims to reduce insurance costs and provide value through its loyalty program, which also serves as an effective marketing channel for insurance companies. This dual focus ensures that users not only save money but also earn rewards as they navigate their insurance options, creating a win-win situation for both consumers and providers.

IOU Financial Inc., through its subsidiary IOU Central Inc., operates a commercial lending business in North America, specializing in providing capital to small businesses across various sectors including medical and dental practices, retail stores, restaurants, and manufacturing companies. Founded in 1977 and headquartered in Montreal, Canada, the company has funded over $200 million in small business loans, showcasing its extensive experience in the field. IOU Financial originates and services commercial loans, retaining a portfolio of loans receivable while also selling loans to third-party purchasers on a non-recourse basis. This approach allows the company to offer flexible lending solutions tailored to the growth opportunities of its diverse clientele.

Momnt is a provider of embedded financial services that specializes in modern lending solutions, enabling businesses to offer affordable financing at the point of need. Utilizing an API-based platform, Momnt leverages alternative data and advanced technologies like machine learning and artificial intelligence to deliver real-time, customized loan offers to borrowers. This approach ensures compliance with existing financial regulations while creating a transparent borrowing experience for consumers. By streamlining digital lending and payment processes, Momnt not only supports individual borrowers but also provides merchants with opportunities for business growth, all while maintaining the essential role of financial institutions in the lending landscape.

battleface, Inc. is a global travel insurance agency that specializes in providing tailored insurance services for travelers and expatriates. The company offers a range of unique travel insurance products and benefits designed to meet the specific needs of individuals traveling or working internationally. Utilizing an API-based distribution system, battleface enables partners to access custom and white-label insurance options, allowing for flexibility in services, benefits, and pricing. With a focus on delivering a simplified and responsive customer experience, battleface ensures that customers can easily select and manage their insurance products from any device at any time.

FinTech focused on the unbanked in emerging markets.

MaxRewards, Inc. is a personal finance application based in Atlanta, Georgia, that assists users in managing their credit card accounts and maximizing rewards. Launched in 2016, the app consolidates various functions, allowing users to track credit card rewards, bills, transactions, and credit scores from all connected cards in one place. It offers personalized, real-time recommendations on card usage to help users optimize their rewards and savings on every purchase. The platform also includes features for analyzing spending and reward activities, as well as tools for monitoring credit scores, thereby providing a comprehensive resource for users to effectively manage their credit cards and financial health.

Instantor AB is a Swedish company that specializes in providing online identification and financial data solutions for the banking industry. Founded in 2010 and headquartered in Stockholm, Instantor offers an application programming interface that enables financial institutions to access real-time insights into customers' financial situations. The company's technology processes transactional data from over 300 integrated banks across more than 25 markets, facilitating financial data aggregation and enhancing credit risk management. Instantor's solutions help organizations accurately assess creditworthiness and predict default risk, thereby streamlining decision-making processes. As the first authorized FinTech by the Financial Swedish Authority to operate as an Account Information Service Provider under PSD2, Instantor serves approximately 200 clients in Europe, Latin America, and Asia. In 2019, the Financial Times recognized Instantor as the second fastest-growing FinTech in Sweden. Instantor operates as a subsidiary of Tink AB since 2020.

IOU Financial Inc., through its subsidiary IOU Central Inc., operates a commercial lending business in North America, specializing in providing capital to small businesses across various sectors including medical and dental practices, retail stores, restaurants, and manufacturing companies. Founded in 1977 and headquartered in Montreal, Canada, the company has funded over $200 million in small business loans, showcasing its extensive experience in the field. IOU Financial originates and services commercial loans, retaining a portfolio of loans receivable while also selling loans to third-party purchasers on a non-recourse basis. This approach allows the company to offer flexible lending solutions tailored to the growth opportunities of its diverse clientele.

LQD Business Finance, LLC is a Chicago-based company that specializes in providing structured financing solutions to small and medium-sized businesses. Founded in 2013, the firm utilizes its proprietary risk management platform, LQD Matrix, to evaluate potential loans, ensuring a thorough assessment of risk. LQD Business Finance offers a comprehensive whole-business financing solution through a single loan product that addresses various financing needs, including acquisition, working capital, purchase orders, and refinancing. This technology-enabled approach allows for a more efficient lending process, enabling businesses to access credit quickly and conveniently. Revenue is generated as a percentage of the loan amount, reflecting the company's commitment to aligning its success with that of its clients.

Fund That Flip, Inc. operates an online investment platform focused on short-term residential real estate redevelopment projects. Founded in 2014 and headquartered in New York, with additional offices in Cleveland, the company sources and underwrites various redevelopment initiatives, allowing accredited investors to invest in borrower-dependent notes associated with each project. Fund That Flip provides short-term loans to real estate redevelopers who acquire and renovate residential properties, ultimately aiming to restore communities across the United States. The platform connects experienced redevelopers with a diverse base of institutional and individual investors, facilitating passive wealth generation in the residential rehab loan market. The company has been recognized for its rapid growth, ranking on the 2019 Inc. 500 list of the fastest-growing private companies in the nation.

IOU Financial Inc., through its subsidiary IOU Central Inc., operates a commercial lending business in North America, specializing in providing capital to small businesses across various sectors including medical and dental practices, retail stores, restaurants, and manufacturing companies. Founded in 1977 and headquartered in Montreal, Canada, the company has funded over $200 million in small business loans, showcasing its extensive experience in the field. IOU Financial originates and services commercial loans, retaining a portfolio of loans receivable while also selling loans to third-party purchasers on a non-recourse basis. This approach allows the company to offer flexible lending solutions tailored to the growth opportunities of its diverse clientele.

GROUNDFLOOR is an online platform that facilitates financing for commercial and residential real estate projects by connecting property developers with investors. Founded in 2013 and based in Atlanta, Georgia, the company allows developers to raise funds for their projects through crowdsourced investments. It specializes in construction and acquisition loans, providing a streamlined process for sourcing and managing individual lenders. GROUNDFLOOR is notable for being the first company approved by the U.S. Securities & Exchange Commission to offer direct real estate debt investments under Regulation A, making these opportunities accessible to both accredited and non-accredited investors. The platform allows investors to build customizable real estate debt portfolios that aim for short-term, high-yield returns, while offering borrower-friendly loan terms to support developers in managing their cash flow.