Flourish Ventures

Vidyut specializes in financing solutions tailored for small and medium commercial electric vehicle businesses, facilitating the purchase, financing, and resale of electric vehicles. The company aims to simplify the ownership experience by providing custom financing options and establishing a secondary market for these vehicles. By collaborating with key stakeholders within the electric vehicle ecosystem, Vidyut supports buyers throughout their ownership journey, encompassing aspects from distribution and financing to after-sales services and resale.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans managing various types of debt, including home mortgages, student loans, auto loans, and personal loans. The platform allows users to set aside small amounts of money when they can afford it, which are then allocated for loan payments, helping users pay off their debts more efficiently. By syncing micro-payments with individual income and automating savings in real-time, EarnUp aims to alleviate the stress of financial management and empower users to take control of their financial situations.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

FairMoney is a credit-led mobile bank for emerging markets. It was launched in 2017 and operates in Nigeria and India. Its goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. It offers a range of digital financial products including, near-instant digital loans, investment products, savings, payments, and cards via mobile app.

Cignifi Inc. is a company that specializes in credit and marketing analytics, primarily serving mobile network operators. Established in 2010 and headquartered in Boston, Massachusetts, with an additional office in Sao Paulo, Brazil, Cignifi has created a platform that generates credit risk and marketing scores using mobile phone data. This innovative approach addresses the needs of approximately 2.7 billion individuals globally who possess mobile phones but lack access to traditional financial services. The company's offerings extend beyond analytics, encompassing products such as airtime credit, handset financing, and online lending, aimed at empowering underserved consumers and enhancing their access to essential financial products. Cignifi's platform leverages proprietary behavioral modeling and analytics tools to facilitate the onboarding of new customers for banks, insurers, and retailers while effectively managing fraud and credit risk.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans managing various types of debt, including home mortgages, student loans, auto loans, and personal loans. The platform allows users to set aside small amounts of money when they can afford it, which are then allocated for loan payments, helping users pay off their debts more efficiently. By syncing micro-payments with individual income and automating savings in real-time, EarnUp aims to alleviate the stress of financial management and empower users to take control of their financial situations.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

MyShubhLife is a comprehensive financial services provider focused on serving the unbanked and underserved populations, often referred to as the Next Half Billion. The company leverages real-time analytics and alternative data to generate credit reports, facilitating meaningful financial inclusion. Its offerings include a variety of financial products such as personal loans, microloans, insurance, mutual fund systematic investment plans, and tax filing services. Additionally, MyShubhLife promotes financial wellness through dedicated programs for both corporates and individuals. By employing an innovative credit scoring methodology, the platform assesses the creditworthiness of customers, thereby enabling access to affordable loan options.

FairMoney is a credit-led mobile bank for emerging markets. It was launched in 2017 and operates in Nigeria and India. Its goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. It offers a range of digital financial products including, near-instant digital loans, investment products, savings, payments, and cards via mobile app.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Brigit is a financial platform that focuses on promoting financial health and well-being for its users. The platform offers tools for cash advances, credit building, and financial management, allowing individuals to monitor their bills and budgets effectively. By providing insights into spending habits, Brigit helps users manage their finances more prudently and access credit options without incurring heavy interest costs. This approach aims to enhance users' financial stability and sustainability.

Cignifi Inc. is a company that specializes in credit and marketing analytics, primarily serving mobile network operators. Established in 2010 and headquartered in Boston, Massachusetts, with an additional office in Sao Paulo, Brazil, Cignifi has created a platform that generates credit risk and marketing scores using mobile phone data. This innovative approach addresses the needs of approximately 2.7 billion individuals globally who possess mobile phones but lack access to traditional financial services. The company's offerings extend beyond analytics, encompassing products such as airtime credit, handset financing, and online lending, aimed at empowering underserved consumers and enhancing their access to essential financial products. Cignifi's platform leverages proprietary behavioral modeling and analytics tools to facilitate the onboarding of new customers for banks, insurers, and retailers while effectively managing fraud and credit risk.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Neogrowth is a non-banking financial company based in Mumbai, Maharashtra, that specializes in providing financial solutions to small and medium-sized enterprises in India. Established in 2011 by Dhruv Khaitan and Piyush Khaitan, the company focuses on meeting the financial needs of businesses that sell goods and services directly to consumers. Neogrowth offers term working capital loans and inventory financing against future credit and debit card sales, facilitating easy access to credit for small merchants. Its clientele includes a diverse range of sectors, such as retail companies selling apparel, electronics, and handicrafts, as well as restaurants, beauty salons, hotels, gyms, and health diagnostic centers.

Aspiration is a sustainable financial platform focused on helping consumers and businesses achieve carbon neutrality. It offers a range of financial products, including debit and credit cards, that incorporate carbon reduction solutions, enabling users to automatically offset the carbon footprint of their purchases. With over 6 million consumers, Aspiration addresses the growing demand for climate action by providing accessible tools for individuals and enterprises to engage in environmentally responsible practices. For its enterprise clients, Aspiration delivers software-based carbon footprint monitoring, a comprehensive inventory of carbon-reducing assets, and features designed to make their products carbon neutral. Through these services, Aspiration aims to facilitate climate action in everyday activities.

Lendable Inc., established in 2014 and headquartered in San Francisco, specializes in facilitating debt financing for fintech firms operating in emerging and frontier markets. The company's core business involves operating an online lending platform that connects alternative lenders with institutional debt investors, thereby bridging the funding gap for high-growth fintechs in Africa and other developing regions. Lendable aims to expand financial access by supporting impact investing as a competitive asset class, targeting one hundred million underserved borrowers worldwide.

Cignifi Inc. is a company that specializes in credit and marketing analytics, primarily serving mobile network operators. Established in 2010 and headquartered in Boston, Massachusetts, with an additional office in Sao Paulo, Brazil, Cignifi has created a platform that generates credit risk and marketing scores using mobile phone data. This innovative approach addresses the needs of approximately 2.7 billion individuals globally who possess mobile phones but lack access to traditional financial services. The company's offerings extend beyond analytics, encompassing products such as airtime credit, handset financing, and online lending, aimed at empowering underserved consumers and enhancing their access to essential financial products. Cignifi's platform leverages proprietary behavioral modeling and analytics tools to facilitate the onboarding of new customers for banks, insurers, and retailers while effectively managing fraud and credit risk.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Neogrowth is a non-banking financial company based in Mumbai, Maharashtra, that specializes in providing financial solutions to small and medium-sized enterprises in India. Established in 2011 by Dhruv Khaitan and Piyush Khaitan, the company focuses on meeting the financial needs of businesses that sell goods and services directly to consumers. Neogrowth offers term working capital loans and inventory financing against future credit and debit card sales, facilitating easy access to credit for small merchants. Its clientele includes a diverse range of sectors, such as retail companies selling apparel, electronics, and handicrafts, as well as restaurants, beauty salons, hotels, gyms, and health diagnostic centers.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

Neogrowth is a non-banking financial company based in Mumbai, Maharashtra, that specializes in providing financial solutions to small and medium-sized enterprises in India. Established in 2011 by Dhruv Khaitan and Piyush Khaitan, the company focuses on meeting the financial needs of businesses that sell goods and services directly to consumers. Neogrowth offers term working capital loans and inventory financing against future credit and debit card sales, facilitating easy access to credit for small merchants. Its clientele includes a diverse range of sectors, such as retail companies selling apparel, electronics, and handicrafts, as well as restaurants, beauty salons, hotels, gyms, and health diagnostic centers.

Cignifi Inc. is a company that specializes in credit and marketing analytics, primarily serving mobile network operators. Established in 2010 and headquartered in Boston, Massachusetts, with an additional office in Sao Paulo, Brazil, Cignifi has created a platform that generates credit risk and marketing scores using mobile phone data. This innovative approach addresses the needs of approximately 2.7 billion individuals globally who possess mobile phones but lack access to traditional financial services. The company's offerings extend beyond analytics, encompassing products such as airtime credit, handset financing, and online lending, aimed at empowering underserved consumers and enhancing their access to essential financial products. Cignifi's platform leverages proprietary behavioral modeling and analytics tools to facilitate the onboarding of new customers for banks, insurers, and retailers while effectively managing fraud and credit risk.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

Neogrowth is a non-banking financial company based in Mumbai, Maharashtra, that specializes in providing financial solutions to small and medium-sized enterprises in India. Established in 2011 by Dhruv Khaitan and Piyush Khaitan, the company focuses on meeting the financial needs of businesses that sell goods and services directly to consumers. Neogrowth offers term working capital loans and inventory financing against future credit and debit card sales, facilitating easy access to credit for small merchants. Its clientele includes a diverse range of sectors, such as retail companies selling apparel, electronics, and handicrafts, as well as restaurants, beauty salons, hotels, gyms, and health diagnostic centers.

Cignifi Inc. is a company that specializes in credit and marketing analytics, primarily serving mobile network operators. Established in 2010 and headquartered in Boston, Massachusetts, with an additional office in Sao Paulo, Brazil, Cignifi has created a platform that generates credit risk and marketing scores using mobile phone data. This innovative approach addresses the needs of approximately 2.7 billion individuals globally who possess mobile phones but lack access to traditional financial services. The company's offerings extend beyond analytics, encompassing products such as airtime credit, handset financing, and online lending, aimed at empowering underserved consumers and enhancing their access to essential financial products. Cignifi's platform leverages proprietary behavioral modeling and analytics tools to facilitate the onboarding of new customers for banks, insurers, and retailers while effectively managing fraud and credit risk.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.