FJ Labs

CredAluga is a Brazilian B2B2C fintech company that specializes in providing innovative financial solutions for the real estate sector. It partners with real estate agencies, offering technology-driven, credit-based services that aim to make renting more accessible and secure for tenants while empowering landlords and agencies. With offices in São Paulo and Minas Gerais, and local partners nationwide, CredAluga combines expertise in technology, credit, and real estate to deliver seamless rental experiences. Founded by experienced entrepreneurs, the company is growing rapidly and is driven by a multidisciplinary team committed to its mission.

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.

Higlobe is an international payment platform established in 2020 and based in Palo Alto, California. It specializes in providing money transfer services for overseas freelancers, contractors, and independent workers who work with U.S. business clients. The platform offers a secure account supported by blockchain technology and features a team focused on anti-money laundering and fraud prevention. Higlobe distinguishes itself by eliminating international transaction fees, allowing non-U.S. freelancers and companies to withdraw payments from their U.S.-based clients quickly and without hidden costs.

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.

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.

Midas is a cryptocurrency application that enables users to buy, sell, and invest in various cryptocurrencies and tokens. Additionally, the company has developed a tokenization protocol platform aimed at converting real-world assets into tokenized formats. This platform allows for the issuance of permissionless tokens that are securely held in segregated accounts managed by institutional custodians. Midas emphasizes transparency in its operations, facilitating efficient settlement processes and enabling lending and borrowing activities on decentralized finance (DeFi) money markets.

Fuell Technologies, S.L. is a Madrid-based company that specializes in issuing corporate credit cards and providing expense management software for businesses. Founded in 2019, Fuell's platform integrates a corporate card with expense management tools, allowing companies to manage spending in real-time and set budgets without the need for traditional expense reports. The service includes features such as automatic budget updates, credit increases as businesses grow, and cashbacks on various expenditures, including rideshare, fuel, dining, and recruitment services. This innovative approach aims to streamline financial management, offering businesses greater control over their expenses and enhancing operational efficiency.

Higlobe is an international payment platform established in 2020 and based in Palo Alto, California. It specializes in providing money transfer services for overseas freelancers, contractors, and independent workers who work with U.S. business clients. The platform offers a secure account supported by blockchain technology and features a team focused on anti-money laundering and fraud prevention. Higlobe distinguishes itself by eliminating international transaction fees, allowing non-U.S. freelancers and companies to withdraw payments from their U.S.-based clients quickly and without hidden costs.

Upfront is a FinTech startup founded in 2021 and headquartered in New York. The company specializes in financial advisory services focused on refinancing auto loans. It aims to address financial inequality by helping customers secure competitive interest rates and favorable monthly payments for their car loans. By providing tailored refinancing options, Upfront enables individuals to reduce their interest rates and manage their repayment plans more flexibly, ultimately allowing them to pay fair amounts on their loans.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

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.

HomeOptions is a real estate brokerage and homeownership platform designed to connect customers with elite agents and service providers. The platform offers a unique approach by providing cash upfront in exchange for the right to sell a home in the future. This straightforward and transparent model allows homeowners to capitalize on their homeownership experience, facilitating every step of the journey, including the purchase of home products, services, and refinancing. By streamlining the process and minimizing additional costs, HomeOptions aims to create a comprehensive solution for homeowners looking to maximize their investments.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

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.

Open Co thinks that creating trusting relationships with clients is more important than using cutting-edge technology to create ground-breaking credit solutions. Open Co was established in 2021 as the result of the merger of Geru and Rebel, two of Brazil's most cutting-edge fintech lenders. The company's goal is to permanently turn credit into a more equitable, adaptable, and accessible tool that improves Brazilians' financial situations.

Founded in 2021 by Roland Jais-Nielsen, HERO aims to address the funding challenges faced by small and medium-sized enterprises (SMEs) across Europe. The company operates a financial platform that offers a diverse array of instantly available financing and payment options. By integrating banking, payments, and credit services, HERO seeks to resolve the working capital issues that hinder the growth and operational efficiency of digital sellers. Its mission is to enhance financial flexibility for European SMEs, ultimately disrupting the traditional financial landscape for these businesses.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Fuell Technologies, S.L. is a Madrid-based company that specializes in issuing corporate credit cards and providing expense management software for businesses. Founded in 2019, Fuell's platform integrates a corporate card with expense management tools, allowing companies to manage spending in real-time and set budgets without the need for traditional expense reports. The service includes features such as automatic budget updates, credit increases as businesses grow, and cashbacks on various expenditures, including rideshare, fuel, dining, and recruitment services. This innovative approach aims to streamline financial management, offering businesses greater control over their expenses and enhancing operational efficiency.

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.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

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.

Fuell Technologies, S.L. is a Madrid-based company that specializes in issuing corporate credit cards and providing expense management software for businesses. Founded in 2019, Fuell's platform integrates a corporate card with expense management tools, allowing companies to manage spending in real-time and set budgets without the need for traditional expense reports. The service includes features such as automatic budget updates, credit increases as businesses grow, and cashbacks on various expenditures, including rideshare, fuel, dining, and recruitment services. This innovative approach aims to streamline financial management, offering businesses greater control over their expenses and enhancing operational efficiency.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

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.

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.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

AutoFi, Inc. operates an online auto finance platform that simplifies the process of applying for and securing auto loans. Founded in 2015 and based in San Francisco, California, AutoFi provides a seamless user experience for consumers looking to purchase and finance vehicles entirely online. The platform connects car buyers with authorized dealerships and a network of lenders, allowing for an automated application and approval process. Key features include the ability to select financing and lease terms, estimate trade-in values, choose rebates, and schedule appointments—all designed to enhance the car buying experience. By offering instant, customizable financing decisions, AutoFi enables customers to complete their vehicle purchases in a straightforward and efficient manner.