FJ Labs

Ikas is an e-commerce platform provider for small and medium-sized businesses that enables the creation and management of online stores. The platform offers multichannel storefronts, marketing tools, inventory tracking and management, sales and order tracking, and data integration. It supports bulk product loading and point-of-sale functionality, allowing retailers to run online and physical stores from a single application. By combining commerce, inventory, order, and sales software, Ikas helps businesses streamline operations, tailor their online presence, and reach customers worldwide.

Somos Internet is a network and telecommunications startup that provides latest generation internet with a fast, secure, stable connection. The company was founded in 2018 and is headquartered in Medellín, Antioquia, Colombia.

TRIVER offers instant capital access to small businesses via its API-first platform. Utilizing Open Banking data and AI models, TRIVER enables partners like accounting software and digital banks to provide flexible financing solutions tailored to their clients' cash flow needs.

Baton Market, founded in 2021 and based in Richmond, Massachusetts, offers data-driven business valuation services aimed at empowering small business owners. The company focuses on providing accurate business valuation estimates that help maximize the value of enterprises. By leveraging first-party financial data, Baton Market specializes in producing refined valuations tailored specifically for small businesses, making these insights accessible to owners. The company's mission is to ensure that small business owners receive fair compensation for their efforts and contributions, promoting the idea that ownership of small businesses should be attainable for all.

Common Trust facilitates employee ownership buyouts for small businesses. It assists selling owners, management teams, and investors in developing, financing, and executing these buyouts, enabling business owners to access liquidity while preserving their company's legacy, purpose, and people.

Menlo is a payment platform that helps small entrepreneurs in managing accounts receivable.

Finvero, founded in January 2021 in Mexico City, operates a credit marketplace that connects merchants with lenders. It enables businesses to offer personalized financing options to their customers, facilitating tasks such as registering businesses and managing various credit products. This platform aims to boost average ticket sales for merchants by providing convenient credit payment solutions.

Mundi is a company focused on facilitating international trade for small and medium-sized enterprises through its innovative financial solutions. It operates an international factoring platform that allows businesses to access capital, exchange currencies, and mitigate the risks associated with cross-border trading. By offering services in trade development, strategy, and freight, Mundi helps manufacturers and traders navigate the complexities of global markets. The company's platform aims to streamline the process of currency exchange, enabling users to conduct transactions digitally and efficiently, without unnecessary bureaucracy.

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.

Lend provides a platform for companies to ease the process of setting up credit operations in full compliance with regulatory policies.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Founded in 2019, Finom is a Dutch company that offers an integrated mobile-first platform for early-stage businesses and SMEs. It combines accounting, financial management, and banking functions to provide comprehensive financial solutions tailored for entrepreneurs, self-employed individuals, and freelancers.

Conta Simples is a comprehensive finance platform that combines checking accounts, expense management software, and corporate cards. It aims to provide control, visibility, autonomy, and decentralization of payments for small and medium-sized businesses in Latin America.

Somos Internet is a network and telecommunications startup that provides latest generation internet with a fast, secure, stable connection. The company was founded in 2018 and is headquartered in Medellín, Antioquia, Colombia.

SoGood is an online marketplace designed to assist food operators, small businesses, and farmers in selling their products directly to consumers. The platform enables sellers to reach a broader audience, thereby enhancing their sales potential and operational efficiency. By facilitating direct access to open markets, SoGood empowers these businesses to connect with buyers and improve their market presence.

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.

Medelse is a healthcare recruitment platform that specializes in connecting medical professionals with employment opportunities. The company offers a range of services designed to simplify the job search process for healthcare workers, including tailored career advice, access to short-term missions, and full-time job placements. Medelse provides visibility across the national landscape, allowing medical professionals to find positions that align with their specific specializations and requirements. By supporting both healthcare professionals and medical institutions, Medelse aims to streamline the recruitment process and enhance the overall employment experience in the healthcare sector.

Silverbird is a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers a range of services, including online banking, global business accounts, and efficient cross-border payment solutions. Utilizing data-driven, AI-powered know-your-client technology, Silverbird effectively onboards international SMEs, enabling them to access banking services in Europe and beyond. By collaborating with banks, regulators, payment networks, and trade finance companies, Silverbird aims to streamline the international payment process, thereby reducing obstacles for global merchants. This approach not only enhances the banking experience for businesses but also aims to unlock significant growth opportunities in international trade.

Learnerbly is a London-based company that develops an online workplace learning platform. Founded in 2016, Learnerbly assists businesses in fostering professional growth by curating learning and development opportunities tailored to their needs. The platform enables companies to create internal playlists for knowledge sharing, upload specific content, and organize events. It also guides employees towards relevant learning opportunities and supports them in applying what they've learned. Notable clients include Ideo, Curve, and goCardless. Additionally, Learnerbly connects students and graduates with internships and entry-level jobs through work placements in entrepreneurial environments.

Secfi, Inc. is a San Francisco-based company founded in 2017, specializing in pre-wealth advisory solutions for startup employees and founders. It offers a proprietary suite of equity planning tools and financing solutions, enabling employees to exercise options and secure shareholder financing. By providing personalized guidance from licensed equity strategists, Secfi helps individuals make informed financial decisions regarding their equity from the initial offer to the IPO stage. The company also delivers educational resources tailored for startups at various stages, enhancing employees' understanding of their equity options. Secfi has established a reputation for supporting employees from a significant majority of U.S. unicorns, positioning itself as a trusted partner in equity planning and financial management. Additionally, the company has an office in Amsterdam, expanding its reach in the European market.

Zyod is a global B2B marketplace for fashion brands seeking end-to-end apparel sourcing and manufacturing solutions. It offers fast turnaround times and low minimum order quantities (MOQs), enabling brands to efficiently produce international-grade products.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Founded in 2019, Finom is a Dutch company that offers an integrated mobile-first platform for early-stage businesses and SMEs. It combines accounting, financial management, and banking functions to provide comprehensive financial solutions tailored for entrepreneurs, self-employed individuals, and freelancers.

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.

TRIVER offers instant capital access to small businesses via its API-first platform. Utilizing Open Banking data and AI models, TRIVER enables partners like accounting software and digital banks to provide flexible financing solutions tailored to their clients' cash flow needs.

Franq is a Brazilian fintech that aggregates 50 financial institutions to distribute over 100 financial products and services through a network of 7,000 independent brokers, known as Personal Bankers. It operates as a multi-sided marketplace that enables banking professionals to offer a wide range of products to individuals and small and medium-sized enterprises, serving as a free, one-stop shop. The platform emphasizes the independence and autonomy of the independent professionals and provides clients with access to products from banks, fintechs and insurers so they can choose the options that best fit their needs.

Rosaly is a fintech company founded by Arbia Smiti in late 2019, focused on enhancing the financial well-being of employees through its innovative platform. The company's services include automatic management of advance payment requests and a comprehensive financial management tool designed to alleviate financial stress for employees. By providing on-demand pay, budget management, and educational resources through its app, Rosaly empowers businesses to support their staff's financial health while ensuring that cash flow remains unaffected.

Kyte is an app for small businesses that helps sell more, manage better, and retain customers. Kyte is a selling application for anyone who needs control but has no time to waste. It is designed to give the owner and customers the best mobile phone experience.

Silverbird is a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers a range of services, including online banking, global business accounts, and efficient cross-border payment solutions. Utilizing data-driven, AI-powered know-your-client technology, Silverbird effectively onboards international SMEs, enabling them to access banking services in Europe and beyond. By collaborating with banks, regulators, payment networks, and trade finance companies, Silverbird aims to streamline the international payment process, thereby reducing obstacles for global merchants. This approach not only enhances the banking experience for businesses but also aims to unlock significant growth opportunities in international trade.

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.

WherEX is an intelligent procurement platform that digitizes and automates enterprise procurement from request to payment, enabling organizations to manage purchasing across departments. The platform leverages machine learning to analyze procurement data from across networks, delivering supplier insights and cost-saving opportunities to supply chain and procurement teams. It is designed to foster competition and transparency in negotiations, reducing risks and costs of enterprise commerce.

Jabu is an e-commerce marketplace that specializes in connecting small retail shop owners with fast-moving consumer goods (FMCG) brands in Southern Africa. The company provides a platform for shop owners to order, source, and stock their products efficiently. Jabu's services extend to logistics and supply chain management, enabling users to control inventory, manage sales, and execute last-mile distribution through both phone and web applications. Additionally, Jabu offers data services to manufacturers and suppliers, facilitating better decision-making and operational efficiency. By streamlining the ordering and inventory management processes, Jabu empowers small businesses to enhance their product diversification and improve financial management.

Logseq is an open-source knowledge management tool that enables users to write, organize, and share thoughts while managing tasks and projects. It operates on local plain-text Markdown and Org-mode files, ensuring there is no data lock-in or reliance on proprietary formats, allowing users to edit the same files with any compatible tool simultaneously. The platform features a built-in query system that aids users in gaining insights and developing personalized workflows. By combining task management capabilities with a flexible and collaborative approach to content organization, Logseq provides a robust solution for individuals and teams seeking to enhance their productivity and knowledge management practices.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Kilo operates a business-to-business e-commerce platform that connects wholesalers with micro, small, and medium-sized enterprises. The company's platform is designed to digitize the local retail value chain by providing retailers with access to essential tools for price, assortment, and inventory management. By focusing on small and medium-sized retailers, Kilo enhances their ability to manage businesses across multiple sales channels. The platform fosters a network effect that promotes growth for both supply and demand, thereby creating a more efficient and responsive retail environment.

LegalMate is a business focused on improving access to legal services for individuals, particularly those from low-income backgrounds. Recognizing that a significant number of civil legal problems go unresolved due to inadequate representation, LegalMate offers a financing solution that allows law firms to receive their fees upfront, while adhering to regulatory guidelines. This model not only alleviates the financial burden on clients but also empowers them to seek legal assistance on their own terms. In addition to its financing services, LegalMate has developed a legal automation platform designed to streamline workflow and tailor solutions to the specific needs of clients. By automating complex legal processes, the platform enhances efficiency for law firms and legal professionals, enabling them to devote more time to delivering high-quality legal services.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

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.

Mundi is a company focused on facilitating international trade for small and medium-sized enterprises through its innovative financial solutions. It operates an international factoring platform that allows businesses to access capital, exchange currencies, and mitigate the risks associated with cross-border trading. By offering services in trade development, strategy, and freight, Mundi helps manufacturers and traders navigate the complexities of global markets. The company's platform aims to streamline the process of currency exchange, enabling users to conduct transactions digitally and efficiently, without unnecessary bureaucracy.

Kanda is a financial services firm that specializes in providing financing solutions for home improvement projects. The company has developed quoting and invoicing software tailored for tradespeople, allowing them to streamline their operations by automating paperwork and ensuring timely payments. This software serves as an estimating tool, enabling contractors to present estimates while offering escrow financing options for clients who may find it challenging to pay upfront. By facilitating affordable financing for homeowners, Kanda empowers contractors to remain competitive in pricing and enhances the accessibility of home improvement services.

SoGood is an online marketplace designed to assist food operators, small businesses, and farmers in selling their products directly to consumers. The platform enables sellers to reach a broader audience, thereby enhancing their sales potential and operational efficiency. By facilitating direct access to open markets, SoGood empowers these businesses to connect with buyers and improve their market presence.

Subscribe is a marketplace network operator that focuses on empowering creators through equity ownership. The company has developed an equity-based investment platform that provides essential legal, marketing, and budgeting tools. These tools facilitate the alignment of long-term incentives between creators and the companies they support, fostering engaged communities and valuable brand advocacy. By tying equity compensation to performance-based marketing, Subscribe enables creators to gain an ownership stake in the businesses they promote, thus allowing them to build generational wealth through startup equity. This innovative approach aims to enhance the growth of companies while ensuring a fair and equitable process for all participants involved.

MONi is a financial technology company based in Buenos Aires, Argentina, specializing in a microloans platform that allows users to obtain cash advances online. Founded in September 2013 by Alejandro Estrada and Juan Pablo Bruzzo, MONi's innovative platform streamlines the loan application process, enabling consumers to access funds quickly and conveniently through a mobile application. The platform facilitates not only cash advances but also payments for telecom, utility, and other bills, eliminating the need for formalities or extensive paperwork. By focusing on enhancing traditional financial services, MONi aims to provide a seamless financial experience for its customers.

Learnerbly is a London-based company that develops an online workplace learning platform. Founded in 2016, Learnerbly assists businesses in fostering professional growth by curating learning and development opportunities tailored to their needs. The platform enables companies to create internal playlists for knowledge sharing, upload specific content, and organize events. It also guides employees towards relevant learning opportunities and supports them in applying what they've learned. Notable clients include Ideo, Curve, and goCardless. Additionally, Learnerbly connects students and graduates with internships and entry-level jobs through work placements in entrepreneurial environments.

Abacum is a software-as-a-service (SaaS) company that provides a collaborative workflow and planning platform specifically designed for finance teams in small and medium-sized businesses (SMBs). The platform aims to enhance productivity and strategic impact by streamlining financial planning, management reporting, and corporate performance workflows. Abacum's solution enables finance professionals to develop and maintain accurate business plans, connect scenarios with decisions, and deliver actionable insights across the organization. By automating routine tasks and facilitating collaboration among multiple stakeholders, Abacum allows finance teams to focus on critical decision-making, thereby driving execution and improving overall business performance. The company is committed to empowering finance teams with the tools they need to maximize their effectiveness and fulfillment within their roles.

Chiper is a prominent B2B e-commerce platform dedicated to serving corner stores in Latin America. Operating primarily in Colombia and Mexico, with plans to expand into Brazil, Chiper has created one of the world's largest networks of bulk buyers by uniting thousands of corner stores. The company optimizes the supply chain to provide these stores with fast delivery, a wide selection of products, and competitive pricing. By aggregating demand and eliminating intermediaries, Chiper enables direct connections between producers and retailers, facilitating cost savings and growth for corner stores across the region.

Teya is a comprehensive platform serving over 300,000 business owners worldwide. It offers payment processing, loyalty programs, cash advances, and business management tools, empowering small and growing businesses to thrive.

MerXu is an online trading platform tailored for small and medium-sized enterprises, facilitating the buying and selling of industrial products. The platform serves a diverse range of sectors, including office furniture, lighting, machinery, chemicals, and tools. By connecting verified buyers and sellers, MerXu enables direct inquiries and transactions, thus enhancing business efficiencies. The platform aims to support businesses in their digital transformation efforts, providing a comprehensive solution for B2B online trading that operates on both national and international scales. Through its secure environment, MerXu fosters a conducive marketplace for various manufacturers, wholesalers, contractors, and retailers to engage in commerce efficiently.

Sendbox is a platform that facilitates e-commerce on social media platforms like Instagram, Facebook, and WhatsApp. It offers infrastructure for shipping, secure escrow payments, and merchant discovery services to businesses and customers across North America, Europe, and Africa.

Juni is a fintech company that develops a banking app and an integrated payment service platform for e-commerce and online marketing entrepreneurs. The platform provides a centralized dashboard that aggregates funds from bank accounts, networks and payment services, and offers detailed customizable financial reporting. This enables digital entrepreneurs to make better decisions and scale their operations, unlocking the full potential of digital commerce.

Simundia is a provider of a digital coaching platform designed to facilitate personalized development experiences for professionals. The platform offers affordable and discreet coaching classes, enabling business managers to enhance their soft skills and effectively address various challenges they may face in the workplace. By utilizing short-distance formats and specialized tools, Simundia aims to raise awareness on different developmental themes, fostering a supportive environment for managerial growth and problem-solving.

WherEX is an intelligent procurement platform that digitizes and automates enterprise procurement from request to payment, enabling organizations to manage purchasing across departments. The platform leverages machine learning to analyze procurement data from across networks, delivering supplier insights and cost-saving opportunities to supply chain and procurement teams. It is designed to foster competition and transparency in negotiations, reducing risks and costs of enterprise commerce.

Hero, founded in 2021 by Roland Jais-Nielsen, is a financial technology company dedicated to addressing the funding gap for small and medium-sized enterprises (SMEs) across Europe. The company offers a wide range of instantly available financing and payment options designed to alleviate working capital challenges faced by European SMEs. Hero's platform integrates banking, payments, and credit services into a single digital solution, aiming to enhance growth, operational efficiency, and financial flexibility for its clients.

Cleany is a privately held office cleaning company based in Paris, France, founded in 2012. It specializes in a range of services, including maintenance of premises, window cleaning, carpet shampooing, and repairs. As a pioneer in the sector, Cleany leverages technology to enhance service quality and improve the working conditions of its cleaning agents. The company operates with a focus on social and environmental responsibility, aiming to simplify the operations of General Services while elevating the professional standards of maintenance agents. Through its innovative approach, Cleany strives to redefine office cleaning and deliver exceptional results to its clients.

We are SEND App - 10 minute grocery delivery! Browse the aisles from the comfort of your home, avoid the crowds, eliminate the lines and return countless hours back into your day with SEND, Australia’s first exclusively online supermarket. Get groceries, household essentials, pet products, premium meats, beauty supplies and pretty much everything in between! All delivered to your door in 10 minutes. SEND is reinventing groceries and making shopping easy with access to all your favourite products, from brands you love and trust, available at your fingertips whenever you need. HOW IT WORKS: 1. Download the app 2. Enter your address 3. Browse and add products to your bag 4. Place your order 5. Enjoy groceries at your door in 10 minutes WHERE WE SEND SEND is growing fast and launching suburbs every week! Want us where you are? Download the app and join our waitlist. PAYMENT METHODS Pay your way! SEND supports Apple Pay so that you can place orders in just one tap. Never wait in line at a crowded supermarket again. 10 MINUTE DELIVERY Browse the aisles from the comfort of your home. Let us do the heavy lifting, literally! You can track your rider in real time, as they make their way to your delivery address. HAVE QUESTIONS? ASK US! Our support team is always here to help and can be reached at support@sendapp.com.au or visit send-app.io. Get 10 minute delivery on grocery items and more, download the app to try today! Proudly designed in Sydney, Australia by SEND.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Teya is a comprehensive platform serving over 300,000 business owners worldwide. It offers payment processing, loyalty programs, cash advances, and business management tools, empowering small and growing businesses to thrive.

Secfi, Inc. is a San Francisco-based company founded in 2017, specializing in pre-wealth advisory solutions for startup employees and founders. It offers a proprietary suite of equity planning tools and financing solutions, enabling employees to exercise options and secure shareholder financing. By providing personalized guidance from licensed equity strategists, Secfi helps individuals make informed financial decisions regarding their equity from the initial offer to the IPO stage. The company also delivers educational resources tailored for startups at various stages, enhancing employees' understanding of their equity options. Secfi has established a reputation for supporting employees from a significant majority of U.S. unicorns, positioning itself as a trusted partner in equity planning and financial management. Additionally, the company has an office in Amsterdam, expanding its reach in the European market.

Inyad is a company that specializes in developing mobile applications aimed at supporting small and medium-sized businesses in their sales, operations, and growth. Its applications facilitate bookkeeping by tracking customer debts and payments, while also providing an online selling platform that enables offline businesses to establish and expand their presence in the digital marketplace. By enhancing the efficiency of merchants on a large scale, Inyad plays a crucial role in helping businesses navigate the complexities of modern commerce.

VUI provides Flexible Payroll (EWA) solutions, income statistics, and employee financial management education through a technology platform.

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.

Smileneo is a health technology company focused on digital orthodontics, offering a platform that connects patients with dental clinics for the purchase of invisible braces. The company’s innovative Smileneo Invisible Braces are designed to be stain-resistant and free from harmful substances like BPA and phthalates. Utilizing advanced 3D technology, Smileneo facilitates a seamless treatment experience that prioritizes patient care while minimizing the need for in-person clinic visits. Through its mobile application, patients can receive remote monitoring and assessments by their orthodontists, ensuring convenience and effective correction of irregular teeth and jaw alignments.

Medelse is a healthcare recruitment platform that specializes in connecting medical professionals with employment opportunities. The company offers a range of services designed to simplify the job search process for healthcare workers, including tailored career advice, access to short-term missions, and full-time job placements. Medelse provides visibility across the national landscape, allowing medical professionals to find positions that align with their specific specializations and requirements. By supporting both healthcare professionals and medical institutions, Medelse aims to streamline the recruitment process and enhance the overall employment experience in the healthcare sector.

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.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Memmo.me is a fan engagement platform that facilitates personalized video messages from a variety of public figures, including actors, athletes, musicians, and influencers. The company provides a web-based service that enables fans and businesses to request customized video greetings from their favorite celebrities, enhancing connections between them. By leveraging this unique video operating platform, Memmo.me supports brands in improving their sales and marketing efforts while also fostering greater engagement with employees and audiences.

Mundi is a company focused on facilitating international trade for small and medium-sized enterprises through its innovative financial solutions. It operates an international factoring platform that allows businesses to access capital, exchange currencies, and mitigate the risks associated with cross-border trading. By offering services in trade development, strategy, and freight, Mundi helps manufacturers and traders navigate the complexities of global markets. The company's platform aims to streamline the process of currency exchange, enabling users to conduct transactions digitally and efficiently, without unnecessary bureaucracy.

Jabu is an e-commerce marketplace that specializes in connecting small retail shop owners with fast-moving consumer goods (FMCG) brands in Southern Africa. The company provides a platform for shop owners to order, source, and stock their products efficiently. Jabu's services extend to logistics and supply chain management, enabling users to control inventory, manage sales, and execute last-mile distribution through both phone and web applications. Additionally, Jabu offers data services to manufacturers and suppliers, facilitating better decision-making and operational efficiency. By streamlining the ordering and inventory management processes, Jabu empowers small businesses to enhance their product diversification and improve financial management.

Conta Simples is a comprehensive finance platform that combines checking accounts, expense management software, and corporate cards. It aims to provide control, visibility, autonomy, and decentralization of payments for small and medium-sized businesses in Latin America.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Chiper is a prominent B2B e-commerce platform dedicated to serving corner stores in Latin America. Operating primarily in Colombia and Mexico, with plans to expand into Brazil, Chiper has created one of the world's largest networks of bulk buyers by uniting thousands of corner stores. The company optimizes the supply chain to provide these stores with fast delivery, a wide selection of products, and competitive pricing. By aggregating demand and eliminating intermediaries, Chiper enables direct connections between producers and retailers, facilitating cost savings and growth for corner stores across the region.

Nuvemshop provides entrepreneurs and SMBs with the tools to set up, manage, and promote their online businesses easily from any device. With the suite of tools around payments, shipping, inventory management, and marketing provided by the company, owners are enabled to participate in the e-commerce market, ramp up their sales, reduce costs, and provide their end customers with a shopping experience. In 2011, co-founders Alejandro Alfonso, Santiago Sosa, Jose Abuchaem, Martin Palombo, and Alejandro Vazquez established Nuvemshop in 2011.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Founded in 2019, Finom is a Dutch company that offers an integrated mobile-first platform for early-stage businesses and SMEs. It combines accounting, financial management, and banking functions to provide comprehensive financial solutions tailored for entrepreneurs, self-employed individuals, and freelancers.

VUI provides Flexible Payroll (EWA) solutions, income statistics, and employee financial management education through a technology platform.

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.

Founded in 2019, Finom is a Dutch company that offers an integrated mobile-first platform for early-stage businesses and SMEs. It combines accounting, financial management, and banking functions to provide comprehensive financial solutions tailored for entrepreneurs, self-employed individuals, and freelancers.

Mundi is a company focused on facilitating international trade for small and medium-sized enterprises through its innovative financial solutions. It operates an international factoring platform that allows businesses to access capital, exchange currencies, and mitigate the risks associated with cross-border trading. By offering services in trade development, strategy, and freight, Mundi helps manufacturers and traders navigate the complexities of global markets. The company's platform aims to streamline the process of currency exchange, enabling users to conduct transactions digitally and efficiently, without unnecessary bureaucracy.

Medelse is a healthcare recruitment platform that specializes in connecting medical professionals with employment opportunities. The company offers a range of services designed to simplify the job search process for healthcare workers, including tailored career advice, access to short-term missions, and full-time job placements. Medelse provides visibility across the national landscape, allowing medical professionals to find positions that align with their specific specializations and requirements. By supporting both healthcare professionals and medical institutions, Medelse aims to streamline the recruitment process and enhance the overall employment experience in the healthcare sector.

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.

Silverbird is a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers a range of services, including online banking, global business accounts, and efficient cross-border payment solutions. Utilizing data-driven, AI-powered know-your-client technology, Silverbird effectively onboards international SMEs, enabling them to access banking services in Europe and beyond. By collaborating with banks, regulators, payment networks, and trade finance companies, Silverbird aims to streamline the international payment process, thereby reducing obstacles for global merchants. This approach not only enhances the banking experience for businesses but also aims to unlock significant growth opportunities in international trade.

Plooto is a cloud-based payments platform for small and medium-sized businesses that automates and streamlines payments. The platform enables users to send and receive payments online and automatically reconciles transactions with leading accounting software. It supports payments to anyone with an active bank account and typically completes transfers within 2-3 business days. Founded in 2015, Plooto is headquartered in Toronto, Canada.

Storetasker offers comprehensive e-commerce solutions, specializing in Shopify development, project management, and technical support. It operates a marketplace that connects Shopify merchants with skilled developers and experts to help grow their businesses.

Nuvemshop provides entrepreneurs and SMBs with the tools to set up, manage, and promote their online businesses easily from any device. With the suite of tools around payments, shipping, inventory management, and marketing provided by the company, owners are enabled to participate in the e-commerce market, ramp up their sales, reduce costs, and provide their end customers with a shopping experience. In 2011, co-founders Alejandro Alfonso, Santiago Sosa, Jose Abuchaem, Martin Palombo, and Alejandro Vazquez established Nuvemshop in 2011.

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.

Secfi, Inc. is a San Francisco-based company founded in 2017, specializing in pre-wealth advisory solutions for startup employees and founders. It offers a proprietary suite of equity planning tools and financing solutions, enabling employees to exercise options and secure shareholder financing. By providing personalized guidance from licensed equity strategists, Secfi helps individuals make informed financial decisions regarding their equity from the initial offer to the IPO stage. The company also delivers educational resources tailored for startups at various stages, enhancing employees' understanding of their equity options. Secfi has established a reputation for supporting employees from a significant majority of U.S. unicorns, positioning itself as a trusted partner in equity planning and financial management. Additionally, the company has an office in Amsterdam, expanding its reach in the European market.

Simundia is a provider of a digital coaching platform designed to facilitate personalized development experiences for professionals. The platform offers affordable and discreet coaching classes, enabling business managers to enhance their soft skills and effectively address various challenges they may face in the workplace. By utilizing short-distance formats and specialized tools, Simundia aims to raise awareness on different developmental themes, fostering a supportive environment for managerial growth and problem-solving.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Medelse is a healthcare recruitment platform that specializes in connecting medical professionals with employment opportunities. The company offers a range of services designed to simplify the job search process for healthcare workers, including tailored career advice, access to short-term missions, and full-time job placements. Medelse provides visibility across the national landscape, allowing medical professionals to find positions that align with their specific specializations and requirements. By supporting both healthcare professionals and medical institutions, Medelse aims to streamline the recruitment process and enhance the overall employment experience in the healthcare sector.

Cleany is a privately held office cleaning company based in Paris, France, founded in 2012. It specializes in a range of services, including maintenance of premises, window cleaning, carpet shampooing, and repairs. As a pioneer in the sector, Cleany leverages technology to enhance service quality and improve the working conditions of its cleaning agents. The company operates with a focus on social and environmental responsibility, aiming to simplify the operations of General Services while elevating the professional standards of maintenance agents. Through its innovative approach, Cleany strives to redefine office cleaning and deliver exceptional results to its clients.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Mandaê is a Brazilian company that combines logistics and technology to revolutionize the delivery industry. It offers an asset-light digital platform that manages the entire parcel supply chain, from pickups to cross-docking and last-mile transport, providing SMBs with a seamless, high-quality, and efficient parcel shipment service. By enabling SMBs to use private transporters instead of relying solely on the national postal service, Mandaê helps these businesses save up to 35% on shipping costs. The company's mission is to "Connect Stories" through logistics. Mandaê has received backing from prominent Latin American investors and has been recognized with several awards for its innovative approach to e-commerce logistics.

Weel is an information technology company based in São Paulo, Brazil, that focuses on supporting the growth of small and medium-sized enterprises (SMEs). Founded in 2016, the company offers an automated online financial management platform designed to help businesses manage their cash flows effectively. This platform integrates with enterprise resource planning systems and facilitates the tracking of cash flows, billing statements, and record keeping. Additionally, it enables SMEs to access financing by allowing them to receive loans based on the prepayment of receivables. By providing these financial management and accountancy automation tools, Weel empowers merchants to optimize their inventories, improve cash flow, and enhance revenue generation.

Secfi, Inc. is a San Francisco-based company founded in 2017, specializing in pre-wealth advisory solutions for startup employees and founders. It offers a proprietary suite of equity planning tools and financing solutions, enabling employees to exercise options and secure shareholder financing. By providing personalized guidance from licensed equity strategists, Secfi helps individuals make informed financial decisions regarding their equity from the initial offer to the IPO stage. The company also delivers educational resources tailored for startups at various stages, enhancing employees' understanding of their equity options. Secfi has established a reputation for supporting employees from a significant majority of U.S. unicorns, positioning itself as a trusted partner in equity planning and financial management. Additionally, the company has an office in Amsterdam, expanding its reach in the European market.

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.

Weel is an information technology company based in São Paulo, Brazil, that focuses on supporting the growth of small and medium-sized enterprises (SMEs). Founded in 2016, the company offers an automated online financial management platform designed to help businesses manage their cash flows effectively. This platform integrates with enterprise resource planning systems and facilitates the tracking of cash flows, billing statements, and record keeping. Additionally, it enables SMEs to access financing by allowing them to receive loans based on the prepayment of receivables. By providing these financial management and accountancy automation tools, Weel empowers merchants to optimize their inventories, improve cash flow, and enhance revenue generation.

Nuvemshop provides entrepreneurs and SMBs with the tools to set up, manage, and promote their online businesses easily from any device. With the suite of tools around payments, shipping, inventory management, and marketing provided by the company, owners are enabled to participate in the e-commerce market, ramp up their sales, reduce costs, and provide their end customers with a shopping experience. In 2011, co-founders Alejandro Alfonso, Santiago Sosa, Jose Abuchaem, Martin Palombo, and Alejandro Vazquez established Nuvemshop in 2011.

Soomgo operates South Korea's largest online marketplace connecting customers with local service professionals. It offers over 1,000 services ranging from lessons and home services to event planning.