FJ Labs

Ontik offers a modern payment platform designed to assist merchants in expanding their trade customer base. By automating essential credit processes, the platform alleviates administrative burdens and facilitates real-time reporting. This technology not only minimizes credit losses but also ensures timely payments. Additionally, Ontik's platform focuses on reducing credit risk and costs, providing services such as trade account creation, cash flow management, and payment oversight. Through the use of advanced credit technology and real-time risk assessment, Ontik enables merchants to enhance the effectiveness of their trade credit programs.

Wurthy develops financial software aimed at supporting business growth and enhancing customer purchasing power. The company specializes in creating solutions that help businesses eliminate credit card fees and increase their earnings. With a focus on optimizing financial transactions, Wurthy offers a credit system platform that enables peer-to-peer transactions with secure and flexible payment options for creditworthy buyers. This innovative approach allows small businesses to generate recurring monthly revenue and earn interest on each sale, ultimately facilitating smoother and more efficient financial operations across various industries.

Digitt is a financial technology company that focuses on providing equitable financial tools to address the issues of predatory lending, particularly in the credit card sector. The company offers low-interest rates ranging from 20% to 42% per year, significantly lower than traditional bank rates. This enables customers to manage their debt more effectively, reducing the overall interest paid and facilitating quicker repayment. Digitt's products are designed to be transparent, giving users a clear understanding of their monthly payment obligations and timelines for becoming debt-free. By transforming the way individuals handle credit card debt, Digitt aims to empower users to regain control of their finances and achieve their financial goals.

Bondaval is a digital platform based in London that focuses on B2B credit security, aiming to transform traditional collateral-based instruments and trade credit insurance. Founded in 2020, Bondaval provides a more secure, capital-efficient, and cost-effective alternative to conventional methods such as bank guarantees. The platform allows for real-time issuance, amendment, renewal, and claims processing, enhancing the accessibility of credit security for businesses. By offering features like live risk monitoring, alerts, and streamlined claims handling, Bondaval enables companies to optimize their working capital and save time, ultimately supporting their growth by democratizing access to innovative credit solutions.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

January is a developer of a data-driven financial platform that focuses on providing end-to-end resolution services for delinquent and charged-off consumer loans. The platform aims to build and enforce trust in consumer finance by addressing the challenges faced by borrowers in delinquency and default, such as harassment, hidden fees, and damaged credit scores. At the same time, it helps creditors recover lost funds while mitigating compliance and operational risks. By utilizing technology, January offers a streamlined and effective resolution process that caters to the unique financial situations and preferences of borrowers, ultimately fostering a more trustworthy relationship between borrowers and creditors.

QI Tech is a Brazilian company that provides a comprehensive banking-as-a-service platform, specializing in financial, credit, banking, and anti-fraud services. It holds both SCD and DTVM licenses from the Brazilian Central Bank, allowing it to deliver a complete technological infrastructure for clients and partners. The company's platform integrates regulatory compliance with intelligent technology, enabling clients to securely offer payment and credit services customized to their specific business models. QI Tech's offerings include automated financial tools for debt issuance, credit analysis, and receivables management, thereby facilitating the entry and management of banking systems within the FinTech market.

Silverbird operates as a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers online banking services, global business accounts, and high-value cross-border payment solutions tailored for businesses engaged in global commerce. Utilizing advanced, data-driven know-your-client technology, Silverbird effectively onboards international SMEs, helping them become bankable in Europe and other markets. By collaborating with banks, regulators, payment networks, and trade finance firms, Silverbird aims to eliminate the complexities associated with international payments, thereby promoting smoother transactions and fostering growth in global trade. The platform collects and analyzes transactional data to verify legitimate businesses, ensuring secure and efficient international transfers between accounts.

QI Tech is a Brazilian company that provides a comprehensive banking-as-a-service platform, specializing in financial, credit, banking, and anti-fraud services. It holds both SCD and DTVM licenses from the Brazilian Central Bank, allowing it to deliver a complete technological infrastructure for clients and partners. The company's platform integrates regulatory compliance with intelligent technology, enabling clients to securely offer payment and credit services customized to their specific business models. QI Tech's offerings include automated financial tools for debt issuance, credit analysis, and receivables management, thereby facilitating the entry and management of banking systems within the FinTech market.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Bondaval is a digital platform based in London that focuses on B2B credit security, aiming to transform traditional collateral-based instruments and trade credit insurance. Founded in 2020, Bondaval provides a more secure, capital-efficient, and cost-effective alternative to conventional methods such as bank guarantees. The platform allows for real-time issuance, amendment, renewal, and claims processing, enhancing the accessibility of credit security for businesses. By offering features like live risk monitoring, alerts, and streamlined claims handling, Bondaval enables companies to optimize their working capital and save time, ultimately supporting their growth by democratizing access to innovative credit solutions.

Bright Money is an AI-powered financial management platform that assists consumers in achieving debt-free living. By analyzing users' financial data through machine learning algorithms, Bright Money offers personalized insights into spending habits, budgeting, and overall financial health. The platform focuses on helping users manage various forms of debt, including credit card, student loan, and auto loan, while also providing tailored credit products. Bright Money aims to enhance financial wellness by equipping users with the necessary tools and insights to reduce financial stress, build savings, and make informed financial decisions. Through its innovative approach, the company fosters better financial stability and empowers users to take control of their financial futures.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Silverbird operates as a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers online banking services, global business accounts, and high-value cross-border payment solutions tailored for businesses engaged in global commerce. Utilizing advanced, data-driven know-your-client technology, Silverbird effectively onboards international SMEs, helping them become bankable in Europe and other markets. By collaborating with banks, regulators, payment networks, and trade finance firms, Silverbird aims to eliminate the complexities associated with international payments, thereby promoting smoother transactions and fostering growth in global trade. The platform collects and analyzes transactional data to verify legitimate businesses, ensuring secure and efficient international transfers between accounts.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Koban is a fintech company focused on transforming financial services in Latin America by addressing the needs of the unbanked population and improving options for existing banking customers. The company provides a secure digital platform that offers a range of user-friendly financial services, including payments, money transfers, budgeting tools, and credit facilities. Koban is dedicated to promoting financial inclusion through innovative technology and design, aiming to empower individuals in managing their financial lives effectively. By prioritizing customer experience, Koban seeks to simplify the complexities of money management and broaden access to essential financial services across the region.

GoodCash is a financial technology company founded in 2021 and based in San Francisco, California. The company offers a money application that simplifies payment processing for users. GoodCash provides a Mastercard that not only helps users build their credit history but also offers discounts of up to five percent on purchases. Additionally, the company promotes environmental sustainability by contributing to tree planting initiatives. By allowing users to make payments while integrating with their existing bank accounts, GoodCash aims to enhance the overall financial experience for its customers.

Digitt is a financial technology company that focuses on providing equitable financial tools to address the issues of predatory lending, particularly in the credit card sector. The company offers low-interest rates ranging from 20% to 42% per year, significantly lower than traditional bank rates. This enables customers to manage their debt more effectively, reducing the overall interest paid and facilitating quicker repayment. Digitt's products are designed to be transparent, giving users a clear understanding of their monthly payment obligations and timelines for becoming debt-free. By transforming the way individuals handle credit card debt, Digitt aims to empower users to regain control of their finances and achieve their financial goals.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

TradeBay is a global trading community that operates an online platform facilitating the efficient connection and trade between buyers and sellers of fruit. By enabling members to expand their networks of trusted business partners, TradeBay provides opportunities for reaching new markets and enhancing trade safety. The platform also offers tailored financing services, cash flow solutions, credit insurance, and loans, which enhance liquidity within the fruit trading industry. Through these services, TradeBay aims to foster a more transparent marketplace, supporting businesses in their trading endeavors.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Silverbird operates as a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers online banking services, global business accounts, and high-value cross-border payment solutions tailored for businesses engaged in global commerce. Utilizing advanced, data-driven know-your-client technology, Silverbird effectively onboards international SMEs, helping them become bankable in Europe and other markets. By collaborating with banks, regulators, payment networks, and trade finance firms, Silverbird aims to eliminate the complexities associated with international payments, thereby promoting smoother transactions and fostering growth in global trade. The platform collects and analyzes transactional data to verify legitimate businesses, ensuring secure and efficient international transfers between accounts.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Fundbox, established in 2013, is a financial technology company based in San Francisco, California, with an additional office in Plano, Texas. It operates an AI-driven platform that provides credit and payment solutions to small businesses serving other businesses (SMB2B). Fundbox uses machine learning and deep data analytics to facilitate business payments, offer invoice financing, and provide lines of credit, helping SMEs manage their cash flow more efficiently.

Kiavi is a private lender specializing in financing solutions for residential real estate investors. The company provides bridge and rental loans, focusing on funding property investments and revitalizing aging housing stock. Formerly known as LendingHome, Kiavi utilizes advanced technology to automate the underwriting and decision-making processes, significantly reducing the manual steps involved in loan approvals. Additionally, Kiavi offers fix-and-flip lending services, empowering real estate investors with streamlined application processes and access to expert advice. Through its platform, Kiavi aims to provide reliable capital to clients, enabling them to successfully scale their real estate ventures.

Ontik offers a modern payment platform designed to assist merchants in expanding their trade customer base. By automating essential credit processes, the platform alleviates administrative burdens and facilitates real-time reporting. This technology not only minimizes credit losses but also ensures timely payments. Additionally, Ontik's platform focuses on reducing credit risk and costs, providing services such as trade account creation, cash flow management, and payment oversight. Through the use of advanced credit technology and real-time risk assessment, Ontik enables merchants to enhance the effectiveness of their trade credit programs.