FJ Labs

FJ Labs, established in 2015 and headquartered in New York, is a stage-agnostic investment firm focusing on marketplaces and consumer-facing startups. It invests in seed and series A rounds, with a typical investment range of $50,000 to $5,000,000. The firm's portfolio includes notable companies such as Alibaba Group, Beepi, BrightRoll, Betterment, Adore Me, and Earnest, spanning sectors like e-commerce, fintech, and ad tech.

Matias Barbero

Venture Capital

Zineb Belghiti

Operations Associate

William Guillouard

Operating Partner

Arne Halleraker

Partner

Christopher Keshian

Investor

Ariel Lebowits

CFO

Jose Marin

Founding Partner

Güimar Vaca Sittic

Venture Partner

Jeff Weinstein

Partner

Past deals in Peer to Peer

Pickle

Series A in 2025
Pickle is a peer-to-peer clothing rental marketplace that connects users with trendy outfits available in their local communities. The platform facilitates a seamless rental experience by offering simple listing processes, flexible pricing, and rental periods. Users can access a diverse selection of apparel and explore various brands and styles without the commitment of ownership. Pickle emphasizes convenience with same-day local delivery options, particularly in major cities such as New York, Los Angeles, and Miami. In these urban areas, the service allows for both in-person exchanges and quick deliveries through courier services. By promoting sustainable fashion choices, Pickle provides an innovative alternative to traditional clothing ownership.

Wurthy

Seed Round in 2024
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.

Vinted

Secondary Market in 2024
Vinted is an online marketplace that focuses on promoting second-hand fashion as a preferred choice for consumers. The platform allows users, primarily targeting girls and women, to buy, sell, and swap clothing, accessories, and lifestyle items in a peer-to-peer environment. Vinted enhances the shopping experience by incorporating an online chatting feature, facilitating communication between users and making transactions simpler and more efficient. With a mobile-first approach, Vinted aims to make second-hand shopping accessible and cost-effective for its community.

Ziina

Series A in 2024
Ziina is a financial service company that specializes in peer-to-peer payment solutions through its mobile application. The platform is designed to facilitate secure transactions, utilizing bank-grade security measures and end-to-end encryption to ensure the safety of users' financial information. By allowing individuals to send and receive funds using just a phone number, Ziina empowers users to manage their finances efficiently and take control of their monetary transactions.

Scramble

Seed Round in 2024
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.

Scramble

Convertible Note in 2023
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.

Ziina

Venture Round in 2023
Ziina is a financial service company that specializes in peer-to-peer payment solutions through its mobile application. The platform is designed to facilitate secure transactions, utilizing bank-grade security measures and end-to-end encryption to ensure the safety of users' financial information. By allowing individuals to send and receive funds using just a phone number, Ziina empowers users to manage their finances efficiently and take control of their monetary transactions.

Popsy

Pre Seed Round in 2023
Popsy is an innovative mobile application designed to facilitate local buying and selling, effectively modernizing the classified advertisement model. The platform allows users to trade a wide range of items, including electronics, clothing, housing, vehicles, and furniture. Leveraging advanced artificial intelligence, Popsy simplifies the selling process by enabling users to upload a photo of their item, after which the app's image recognition technology provides real-time suggestions for titles, prices, and categories. This feature streamlines the listing process, allowing for quick interactions between sellers and potential buyers, including instant messaging and prompt offers. Popsy aims to enhance the marketplace experience by eliminating commissions and transaction fees, ensuring a fast and user-friendly approach to second-hand transactions.

Scramble

Convertible Note in 2023
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.

Scramble

Pre Seed Round in 2022
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.

SWAP

Series A in 2021
SWAP is a company that empowers businesses to enhance their financial operations through innovative technology and a unique business model. It offers a modular payment platform that provides secure integrations for various financial services. Through its APIs, SWAP enables clients to create comprehensive financial ecosystems, incorporating solutions such as pre-paid cards, digital wallets, and peer-to-peer payment systems. The platform facilitates seamless money disbursements to merchants, simplifies the collection and payment of funds, and supports bill payments and mobile recharges. By removing barriers and generating new revenue streams, SWAP effectively helps companies establish their own internal fintech solutions, enhancing their core offerings and customer experiences.

Peerforum

Pre Seed Round in 2021
Peerforum is a provider of advisory services focused on enhancing individual performance and fostering meaningful connections among members. The company facilitates small group coaching sessions where individuals can collaboratively address personal and professional challenges. Through these sessions, participants benefit from the experiences and feedback of their peers, which helps them gain new perspectives and support. Peerforum aims to help organizations cultivate and maintain a positive forum culture and uphold their core values.

Ziina

Seed Round in 2021
Ziina is a financial service company that specializes in peer-to-peer payment solutions through its mobile application. The platform is designed to facilitate secure transactions, utilizing bank-grade security measures and end-to-end encryption to ensure the safety of users' financial information. By allowing individuals to send and receive funds using just a phone number, Ziina empowers users to manage their finances efficiently and take control of their monetary transactions.

Vinted

Secondary Market in 2021
Vinted is an online marketplace that focuses on promoting second-hand fashion as a preferred choice for consumers. The platform allows users, primarily targeting girls and women, to buy, sell, and swap clothing, accessories, and lifestyle items in a peer-to-peer environment. Vinted enhances the shopping experience by incorporating an online chatting feature, facilitating communication between users and making transactions simpler and more efficient. With a mobile-first approach, Vinted aims to make second-hand shopping accessible and cost-effective for its community.

Scramble

Pre Seed Round in 2021
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.

MPB

Series D in 2021
MPB is an online marketplace focused on the buying, selling, and trading of used photography and videography equipment. Established in 2011 by Matt Barker and headquartered in Brighton, East Sussex, the company aims to enhance access to photo and video gear through a customer-centric platform. MPB utilizes custom-designed technology to streamline peer-to-peer transactions, ensuring that all equipment is thoroughly checked, approved, and photographed before resale. The platform offers fair pricing for a wide array of camera bodies, lenses, filters, and accessories, catering to the needs of both buyers and sellers in the photographic community.

Curtsy

Series A in 2021
Curtsy, Inc. is a mobile application platform founded in 2015 and based in San Francisco, California. The app allows women to rent and sell a variety of clothing items, including dresses, shoes, handbags, jewelry, and accessories. Curtsy caters to a younger generation seeking sustainable shopping alternatives by facilitating peer-to-peer transactions within their communities. Utilizing machine learning and human review, the platform enhances the merchandising process for sellers and includes a Shipping Kit to streamline order fulfillment. Overall, Curtsy aims to create a convenient and eco-friendly marketplace for fashion.

Ziina

Seed Round in 2021
Ziina is a financial service company that specializes in peer-to-peer payment solutions through its mobile application. The platform is designed to facilitate secure transactions, utilizing bank-grade security measures and end-to-end encryption to ensure the safety of users' financial information. By allowing individuals to send and receive funds using just a phone number, Ziina empowers users to manage their finances efficiently and take control of their monetary transactions.

Peerboard

Seed Round in 2020
PeerBoard is a community platform designed to enhance user engagement and foster connections among online audiences. The platform offers a variety of features, including a forum plugin, integrated peer board, and email management tools, all aimed at facilitating knowledge sharing. It provides businesses with user profiles, no-code integrations, and customizable access rights and registration options. Additionally, PeerBoard supports real-time interactions through threads and updates, ensuring an interactive experience for users. With plugins for popular platforms such as WordPress, Shopify, and Thinkific, PeerBoard allows businesses to seamlessly extend their websites into vibrant community spaces.

Toss

Series G in 2020
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.

Twine

Venture Round in 2020
Twine Ltd operates an online platform that connects companies with a network of over 200,000 creative freelancers, including musicians, filmmakers, designers, and photographers. Founded in 2014 and based in Manchester, United Kingdom, Twine simplifies the process of hiring creative talent by allowing companies to easily write project briefs and access a curated selection of high-quality freelancers. This marketplace supports various creative projects, such as logo design, explainer videos, and custom illustrations, enabling businesses to find the right talent efficiently. For freelancers, Twine offers the opportunity to take control of their work by choosing projects that interest them and building their portfolios through collaboration with other creatives worldwide.

SWAP

Seed Round in 2020
SWAP is a company that empowers businesses to enhance their financial operations through innovative technology and a unique business model. It offers a modular payment platform that provides secure integrations for various financial services. Through its APIs, SWAP enables clients to create comprehensive financial ecosystems, incorporating solutions such as pre-paid cards, digital wallets, and peer-to-peer payment systems. The platform facilitates seamless money disbursements to merchants, simplifies the collection and payment of funds, and supports bill payments and mobile recharges. By removing barriers and generating new revenue streams, SWAP effectively helps companies establish their own internal fintech solutions, enhancing their core offerings and customer experiences.

Peerboard

Pre Seed Round in 2020
PeerBoard is a community platform designed to enhance user engagement and foster connections among online audiences. The platform offers a variety of features, including a forum plugin, integrated peer board, and email management tools, all aimed at facilitating knowledge sharing. It provides businesses with user profiles, no-code integrations, and customizable access rights and registration options. Additionally, PeerBoard supports real-time interactions through threads and updates, ensuring an interactive experience for users. With plugins for popular platforms such as WordPress, Shopify, and Thinkific, PeerBoard allows businesses to seamlessly extend their websites into vibrant community spaces.

Curtsy

Seed Round in 2019
Curtsy, Inc. is a mobile application platform founded in 2015 and based in San Francisco, California. The app allows women to rent and sell a variety of clothing items, including dresses, shoes, handbags, jewelry, and accessories. Curtsy caters to a younger generation seeking sustainable shopping alternatives by facilitating peer-to-peer transactions within their communities. Utilizing machine learning and human review, the platform enhances the merchandising process for sellers and includes a Shipping Kit to streamline order fulfillment. Overall, Curtsy aims to create a convenient and eco-friendly marketplace for fashion.

Vinted

Series E in 2019
Vinted is an online marketplace that focuses on promoting second-hand fashion as a preferred choice for consumers. The platform allows users, primarily targeting girls and women, to buy, sell, and swap clothing, accessories, and lifestyle items in a peer-to-peer environment. Vinted enhances the shopping experience by incorporating an online chatting feature, facilitating communication between users and making transactions simpler and more efficient. With a mobile-first approach, Vinted aims to make second-hand shopping accessible and cost-effective for its community.

Toss

Series F in 2019
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.

Vinted

Series D in 2018
Vinted is an online marketplace that focuses on promoting second-hand fashion as a preferred choice for consumers. The platform allows users, primarily targeting girls and women, to buy, sell, and swap clothing, accessories, and lifestyle items in a peer-to-peer environment. Vinted enhances the shopping experience by incorporating an online chatting feature, facilitating communication between users and making transactions simpler and more efficient. With a mobile-first approach, Vinted aims to make second-hand shopping accessible and cost-effective for its community.

Pulse

Convertible Note in 2018
Pulse Q&A Inc. is an innovative company specializing in an artificial intelligence-based platform that delivers crowdsourced data aimed at technology executives. Founded in 2017 and headquartered in San Francisco, the company enables users, particularly Chief Information Officers, to gather insights by creating questions and sharing them with peers, customers, or prospects. This process allows users to test messaging and positioning in real time before launching new products or refreshing existing messages. By providing access to relevant conversations and data, Pulse Q&A empowers decision-makers to make informed choices that drive meaningful outcomes in innovation and spending.

MPB

Convertible Note in 2017
MPB is an online marketplace focused on the buying, selling, and trading of used photography and videography equipment. Established in 2011 by Matt Barker and headquartered in Brighton, East Sussex, the company aims to enhance access to photo and video gear through a customer-centric platform. MPB utilizes custom-designed technology to streamline peer-to-peer transactions, ensuring that all equipment is thoroughly checked, approved, and photographed before resale. The platform offers fair pricing for a wide array of camera bodies, lenses, filters, and accessories, catering to the needs of both buyers and sellers in the photographic community.

Beepi

Seed Round in 2013
Beepi is a Los Altos, California-based company that operates an online peer-to-peer marketplace for buying and selling used cars. Launched in April 2014, Beepi aims to transform the traditional used car market by providing a platform that eliminates the need for in-person negotiations and dealership visits. Sellers can list their vehicles by describing them and obtaining a professional inspection, while buyers can browse available cars seamlessly through a smartphone or PC. If a vehicle does not sell through the marketplace, Beepi offers to purchase it directly, ensuring a hassle-free experience for both parties. By removing traditional barriers and commissions associated with used car transactions, Beepi facilitates better pricing and a more efficient process for individuals looking to buy or sell vehicles.
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