FJ Labs

Ontik offers a modern payment platform that automates key credit processes for merchants. This helps reduce administrative burden, minimize credit losses, and enables real-time reporting, ensuring timely payments.

Wurthy specializes in developing financial software and payment solutions that help businesses reduce credit card fees, optimize financial transactions, and improve earnings. The company offers tools to streamline payments and cash flow across various industries. It also provides access to credit lines aimed at boosting sales and generating recurring revenue, including peer-to-peer payments with safe and flexible options for creditworthy buyers, enabling merchants to attract buyers while earning interest on sales.

Digitt offers fair financial tools aimed at combating predatory lending practices. It provides low-interest credit card debt solutions, ranging from 20% to 42% annually, enabling customers to reduce interest payments and accelerate debt repayment. Digitt's services empower users with clear monthly payment plans and debt-free timelines.

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.

Founded in Tallinn, Estonia in 2020, Scramble is a lending marketplace that connects busy professionals with innovative consumer goods startups seeking growth capital. It facilitates secured loans through monthly fundraising rounds, enabling businesses to raise funds efficiently.

REWORTH facilitates interactions between banks and merchants by leveraging cashback incentives. It uses anonymous transactional data to personalize offers, boost engagement, and provide real-time business intelligence. REWORTH's API infrastructure enables third-party services like credit scoring and fraud prevention.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Founded in Tallinn, Estonia in 2020, Scramble is a lending marketplace that connects busy professionals with innovative consumer goods startups seeking growth capital. It facilitates secured loans through monthly fundraising rounds, enabling businesses to raise funds efficiently.

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 comprehensive platform offering financial, credit, banking, and anti-fraud services. It holds SCD and DTVM licenses from Brazil's Central Bank, providing clients with secure, compliant technology to tailor payment and credit services.

QI Tech is a comprehensive platform offering financial, credit, banking, and anti-fraud services. It holds SCD and DTVM licenses from Brazil's Central Bank, providing clients with secure, compliant technology to tailor payment and credit services.

Founded in Tallinn, Estonia in 2020, Scramble is a lending marketplace that connects busy professionals with innovative consumer goods startups seeking growth capital. It facilitates secured loans through monthly fundraising rounds, enabling businesses to raise funds efficiently.

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 an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Founded in Tallinn, Estonia in 2020, Scramble is a lending marketplace that connects busy professionals with innovative consumer goods startups seeking growth capital. It facilitates secured loans through monthly fundraising rounds, enabling businesses to raise funds efficiently.

Koban is a fintech company dedicated to simplifying finance and transforming how money works in Latin America. It offers user-friendly digital financial services, including payments, transfers, savings tools, and credit facilities, all securely accessible through its platform.

Moove is a fintech company specializing in mobility finance. It provides revenue-based vehicle financing to mobility entrepreneurs across Africa, democratizing vehicle ownership. Moove embeds alternative credit-scoring technology onto ride-hailing, logistics, and delivery platforms, using proprietary performance analytics to underwrite loans.

Digitt offers fair financial tools aimed at combating predatory lending practices. It provides low-interest credit card debt solutions, ranging from 20% to 42% annually, enabling customers to reduce interest payments and accelerate debt repayment. Digitt's services empower users with clear monthly payment plans and debt-free timelines.

REWORTH facilitates interactions between banks and merchants by leveraging cashback incentives. It uses anonymous transactional data to personalize offers, boost engagement, and provide real-time business intelligence. REWORTH's API infrastructure enables third-party services like credit scoring and fraud prevention.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

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.

Founded in Tallinn, Estonia in 2020, Scramble is a lending marketplace that connects busy professionals with innovative consumer goods startups seeking growth capital. It facilitates secured loans through monthly fundraising rounds, enabling businesses to raise funds efficiently.

TradeBay is an online platform facilitating global fruit trading. It connects buyers and sellers, expanding networks, opening new markets, and promoting safer, more transparent transactions.

Aprila is a fintech company offering innovative financial solutions for small and medium-sized enterprises (SMEs). Its API-based platform connects with around 130,000 SMEs through partnerships with leading online accounting systems. Aprila uses machine learning models to assess risk and make real-time credit decisions.

Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, Velocity is India's leading financial solutions provider for digitally native businesses. It offers a range of services including term loans, revenue-based financing, overdrafts, payments, and analytics, enabling clients to access funds without equity dilution or personal guarantees.

Aprila is a fintech company offering innovative financial solutions for small and medium-sized enterprises (SMEs). Its API-based platform connects with around 130,000 SMEs through partnerships with leading online accounting systems. Aprila uses machine learning models to assess risk and make real-time credit decisions.

Aprila is a fintech company offering innovative financial solutions for small and medium-sized enterprises (SMEs). Its API-based platform connects with around 130,000 SMEs through partnerships with leading online accounting systems. Aprila uses machine learning models to assess risk and make real-time credit decisions.

Aprila is a fintech company offering innovative financial solutions for small and medium-sized enterprises (SMEs). Its API-based platform connects with around 130,000 SMEs through partnerships with leading online accounting systems. Aprila uses machine learning models to assess risk and make real-time credit decisions.

Founded in 2013, Fundbox operates a payments network that facilitates transactions between businesses. It provides credit and payment solutions to small businesses serving other businesses (SMB2B), empowering them with fast and intuitive access to business credit.

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 offers a modern payment platform that automates key credit processes for merchants. This helps reduce administrative burden, minimize credit losses, and enables real-time reporting, ensuring timely payments.