FJ Labs

Ontik is a provider of a modern payment platform designed to enhance the trade credit experience for merchants. The company focuses on automating critical credit processes to alleviate administrative burdens, allowing for real-time reporting and timely payments. By employing advanced credit technology and real-time risk assessment, Ontik aims to reduce credit risk and associated costs for businesses. Its platform offers a range of trading services, including trade account creation, cash flow management, portfolio management, and payment processing, thereby enabling merchants to optimize their trade credit programs and improve overall financial performance.

Wurthy is a company that specializes in developing financial software aimed at fostering business growth and enhancing customer purchasing power. It focuses on creating solutions that help businesses eliminate credit card fees while boosting their earnings. Wurthy offers a credit system platform that facilitates peer-to-peer transactions, providing safe and flexible payment options for creditworthy buyers. By generating monthly recurring revenue through its innovative financial solutions, Wurthy enables small businesses to optimize their earnings and attract a broader customer base. The company leverages technology to streamline financial operations, making it easier for businesses across various industries to manage their transactions and payment processes efficiently.

Digitt is a financial technology company dedicated to providing equitable financial tools aimed at combating predatory lending practices. The company focuses on eliminating the high interest rates typically associated with credit cards, offering low-interest rates ranging from 20% to 42% per year. By providing clear payment structures, Digitt enables customers to understand their monthly obligations and visualize their path to becoming debt-free. Through its innovative products, Digitt seeks to transform the financial services landscape, empowering users to manage their credit card debt more effectively and achieve their financial goals.

Bondaval is a London-based digital platform founded in 2020 that focuses on B2B credit security, aimed at replacing traditional collateral-based instruments and trade credit insurance. The company provides a more secure, capital-efficient, and cost-effective alternative for businesses, enabling them to issue, amend, renew, and claim on secured credit in real-time. Bondaval's platform offers features such as live risk monitoring, alerts, and streamlined claims handling, which help clients to optimize their working capital and save time. By democratizing access to credit alternatives, Bondaval empowers businesses of all sizes to enhance their financial flexibility and growth potential.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

Reworth is a company that facilitates interactions between banks and merchants through a payment relationship marketing platform, aimed at enhancing customer engagement. It leverages anonymous transactional data shared by financial institutions to deliver personalized cashback offers, thereby encouraging consumer spending and loyalty. Reworth's API infrastructure supports the creation of various reward programs and allows partners to access real-time business intelligence, competitor analysis, and first-party marketing data. This data-driven ecosystem not only helps banks improve their market share and profitability but also equips merchants with the insights needed to better understand and predict consumer behavior. By powering innovative financial services such as credit scoring and fraud prevention, Reworth is positioned to play a significant role in the evolution of Open Finance.

OCHO is a provider of auto insurance services that focuses on affordability and fairness while promoting credit-building opportunities for its customers. The company offers innovative insurance solutions that include zero down payments and lower premiums, making it easier for individuals to access insurance coverage. Additionally, OCHO’s services extend to lower security deposits for rental agreements and the elimination of deposits for utilities, allowing users to secure their assets at a low and equitable cost. Through its unique approach, OCHO aims to enhance financial accessibility and stability for its clients.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

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.

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, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

Bondaval is a London-based digital platform founded in 2020 that focuses on B2B credit security, aimed at replacing traditional collateral-based instruments and trade credit insurance. The company provides a more secure, capital-efficient, and cost-effective alternative for businesses, enabling them to issue, amend, renew, and claim on secured credit in real-time. Bondaval's platform offers features such as live risk monitoring, alerts, and streamlined claims handling, which help clients to optimize their working capital and save time. By democratizing access to credit alternatives, Bondaval empowers businesses of all sizes to enhance their financial flexibility and growth potential.

Bright Money is an AI-powered financial management platform that assists consumers in achieving debt freedom. The company focuses on helping users eliminate various forms of debt, including credit card, student, and auto loans, by leveraging machine learning algorithms to analyze individual financial data. Bright Money offers personalized insights into spending habits, budgeting, and overall financial health, empowering users to reduce financial stress and make informed decisions. The platform also provides tailored credit products and tools designed to enhance financial wellness, enabling users to build savings and attain better financial stability. Through its innovative approach, Bright Money aims to support consumers on their journey toward improved financial management.

OCHO is a provider of auto insurance services that focuses on affordability and fairness while promoting credit-building opportunities for its customers. The company offers innovative insurance solutions that include zero down payments and lower premiums, making it easier for individuals to access insurance coverage. Additionally, OCHO’s services extend to lower security deposits for rental agreements and the elimination of deposits for utilities, allowing users to secure their assets at a low and equitable cost. Through its unique approach, OCHO aims to enhance financial accessibility and stability for its clients.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

Koban is a fintech company focused on transforming financial services in Latin America by addressing the needs of the unbanked and existing banking customers. The company provides a secure digital platform that offers innovative and user-friendly financial services, enabling individuals to move, transact, save, and better understand their money. Koban's offerings include payments, money transfers, budgeting tools, and credit facilities, all designed to enhance accessibility and promote financial inclusion. With a commitment to empowering people's financial lives through technology and design, Koban seeks to simplify the complexities of financial transactions in the region.

GoodCash is a financial technology company founded in 2021 and headquartered in San Francisco, California. It develops a money application that simplifies the payment processing experience for users. The app includes a Mastercard that allows users to build their credit history while benefiting from discounts of up to five percent on purchases. Additionally, GoodCash integrates with users' existing bank accounts and incorporates an environmentally conscious element by planting trees with each transaction. This combination of financial services and sustainability sets GoodCash apart in the fintech landscape.

Digitt is a financial technology company dedicated to providing equitable financial tools aimed at combating predatory lending practices. The company focuses on eliminating the high interest rates typically associated with credit cards, offering low-interest rates ranging from 20% to 42% per year. By providing clear payment structures, Digitt enables customers to understand their monthly obligations and visualize their path to becoming debt-free. Through its innovative products, Digitt seeks to transform the financial services landscape, empowering users to manage their credit card debt more effectively and achieve their financial goals.

Moove is a mobility fintech company focused on providing revenue-based vehicle financing to mobility entrepreneurs across Africa. By leveraging embedded alternative credit-scoring technology, Moove integrates its services within ride-hailing, logistics, and last-mile delivery platforms. This innovative approach allows the company to assess the performance and revenue of mobility entrepreneurs, enabling it to underwrite loans for individuals who have been historically excluded from traditional financial services. Through its unique model, Moove aims to democratize vehicle ownership and enhance access to financial resources for a growing number of mobility operators in the region.

Reworth is a company that facilitates interactions between banks and merchants through a payment relationship marketing platform, aimed at enhancing customer engagement. It leverages anonymous transactional data shared by financial institutions to deliver personalized cashback offers, thereby encouraging consumer spending and loyalty. Reworth's API infrastructure supports the creation of various reward programs and allows partners to access real-time business intelligence, competitor analysis, and first-party marketing data. This data-driven ecosystem not only helps banks improve their market share and profitability but also equips merchants with the insights needed to better understand and predict consumer behavior. By powering innovative financial services such as credit scoring and fraud prevention, Reworth is positioned to play a significant role in the evolution of Open Finance.

OCHO is a provider of auto insurance services that focuses on affordability and fairness while promoting credit-building opportunities for its customers. The company offers innovative insurance solutions that include zero down payments and lower premiums, making it easier for individuals to access insurance coverage. Additionally, OCHO’s services extend to lower security deposits for rental agreements and the elimination of deposits for utilities, allowing users to secure their assets at a low and equitable cost. Through its unique approach, OCHO aims to enhance financial accessibility and stability for its clients.

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, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

TradeBay is a global trading community that operates an online marketplace focused on large-scale fruit trading. The platform facilitates connections between buyers and sellers, allowing them to trade more efficiently and expand their networks of trusted business partners. By providing tailor-made financing services, cash flow solutions, credit insurance, and loans, TradeBay enhances liquidity within the fruit trading industry. The company aims to promote safer trade practices and foster transparency in the market, ultimately enabling its members to explore better opportunities and access new markets.

Aprila Bank is a product and technology company that specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). It offers automated lending services through its API-based technology platform, which connects to approximately 130,000 SMEs via partnerships with leading online accounting systems and other relevant service providers. Utilizing in-house developed machine learning models, Aprila Bank predicts credit outcomes and assesses risk by analyzing real-time data alongside traditional credit information. This approach allows the company to offer credit lines that facilitate a seamless customer experience for SMEs seeking financial support.

Velocity is a prominent financial solution provider in India, specifically catering to digitally native businesses. Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, the company seeks to reshape the landscape of banking and financial services for modern enterprises. Velocity offers a diverse array of financial services, including term loans, revenue-based financing, overdrafts, and payment solutions. It distinguishes itself by providing funding options that do not require equity dilution or personal guarantees, allowing clients to repay loans as a fixed percentage of their future revenues. This innovative approach presents an alternative to traditional venture capital and standard loans, enabling businesses to access necessary funds while maintaining greater control over their financial obligations.

Aprila Bank is a product and technology company that specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). It offers automated lending services through its API-based technology platform, which connects to approximately 130,000 SMEs via partnerships with leading online accounting systems and other relevant service providers. Utilizing in-house developed machine learning models, Aprila Bank predicts credit outcomes and assesses risk by analyzing real-time data alongside traditional credit information. This approach allows the company to offer credit lines that facilitate a seamless customer experience for SMEs seeking financial support.

Aprila Bank is a product and technology company that specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). It offers automated lending services through its API-based technology platform, which connects to approximately 130,000 SMEs via partnerships with leading online accounting systems and other relevant service providers. Utilizing in-house developed machine learning models, Aprila Bank predicts credit outcomes and assesses risk by analyzing real-time data alongside traditional credit information. This approach allows the company to offer credit lines that facilitate a seamless customer experience for SMEs seeking financial support.

Aprila Bank is a product and technology company that specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). It offers automated lending services through its API-based technology platform, which connects to approximately 130,000 SMEs via partnerships with leading online accounting systems and other relevant service providers. Utilizing in-house developed machine learning models, Aprila Bank predicts credit outcomes and assesses risk by analyzing real-time data alongside traditional credit information. This approach allows the company to offer credit lines that facilitate a seamless customer experience for SMEs seeking financial support.

Fundbox is an AI-driven financial platform based in San Francisco, California, founded in 2013 by Eyal Shinar, Tomer Michaeli, and Yuval Ariav. The company focuses on providing small and mid-sized enterprises (SMEs) with fast and intuitive access to business credit and cash flow management solutions. By utilizing advanced machine learning and deep data analytics, Fundbox facilitates invoice financing and offers lines of credit, enabling businesses to improve their cash flow by quickly converting outstanding invoices into accessible funds. The platform aims to empower small businesses, fostering customer growth and enhancing their ability to manage payments effectively.

Kiavi is a private lender specializing in financing solutions for residential real estate investors. The company provides bridge loans and rental loans, leveraging data and technology to simplify the lending process. Formerly known as LendingHome, Kiavi focuses on funding property investments and revitalizing aging housing stock. Its platform automates underwriting and decision-making, which reduces manual steps in loan approvals.

Ontik is a provider of a modern payment platform designed to enhance the trade credit experience for merchants. The company focuses on automating critical credit processes to alleviate administrative burdens, allowing for real-time reporting and timely payments. By employing advanced credit technology and real-time risk assessment, Ontik aims to reduce credit risk and associated costs for businesses. Its platform offers a range of trading services, including trade account creation, cash flow management, portfolio management, and payment processing, thereby enabling merchants to optimize their trade credit programs and improve overall financial performance.