Global Founders Capital

Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.

Keyzy is a FinTech and PropTech company focused on facilitating home ownership for young professionals and first-time buyers. Recognizing the challenges posed by high property prices and stringent mortgage criteria, Keyzy offers an innovative rent-to-own model. The company purchases a home on behalf of the client and rents it for a predetermined period of three to seven years. During this time, a portion of the monthly rent—up to 25%—is credited towards a future deposit. At the end of the rental term, clients have the option to buy the home at the original purchase price, minus the accumulated deposit. By addressing the barriers that prevent many, including essential workers, from owning homes, Keyzy aims to disrupt the cycle of renting and support clients in achieving their home ownership goals.

Keyzy is revolutionizing the path to homeownership with its innovative rent-to-own FinTech solution. Catering to young professionals and first-time buyers, Keyzy eliminates the daunting hurdle of hefty upfront deposits, offering a flexible and accessible alternative to traditional mortgages. With Keyzy, individuals can rent their dream homes while simultaneously building equity through monthly payments, paving the way for future ownership. Our platform empowers users to take control of their housing journey, providing a seamless and transparent experience from start to finish. By leveraging cutting-edge technology and strategic partnerships, Keyzy ensures affordability, reliability, and convenience for its customers. Our commitment to customer-centricity drives us to continually enhance our platform, incorporating user feedback and industry best practices to deliver exceptional value and satisfaction. With Keyzy, homeownership is no longer a distant dream but an achievable reality for individuals from diverse financial backgrounds. Join us in breaking down barriers to homeownership and unlocking the door to your future with Keyzy. Welcome home.

Virgil SAS, founded in 2018 and based in Paris, France, specializes in providing financial solutions to assist individuals in purchasing homes. The company enables young professionals to acquire properties by investing equity alongside them, which helps these buyers secure the necessary deposit for a mortgage. In exchange for a 10% investment of the purchase price, Virgil takes a 15% stake in the property, with repayment occurring at the time of resale, typically within ten years. This model allows first-time buyers to achieve homeownership approximately seven years earlier than the average, facilitating their transition from renting to owning and contributing to their long-term financial stability.

Tenet operates a climate-focused financing marketplace that specializes in home and auto loans, particularly for electric vehicles. The platform aims to facilitate a transition to sustainable living by offering innovative and accessible financing options. By helping consumers save money while pursuing their climate goals, Tenet supports the adoption of electric vehicles and tracks carbon emission savings and vehicle performance. Additionally, the company provides institutional investors with access to high-quality environmental, social, and governance (ESG) assets, promoting a financial system that aligns with positive environmental impact.

Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.

Zenbase specializes in flexible rent payment solutions, aiming to enhance financial well-being for tenants while improving operational efficiency for property managers. Its platform enables bi-weekly payments aligned with pay cycles, reducing late fees and potentially boosting credit scores.

R5 is a company based in Colombia that simplifies vehicle ownership by providing an online insurance and lending platform. It enables low-income customers to use their cars and motorcycles as collateral to secure financing. The platform facilitates access to funds for refinancing expensive debt or investing in businesses, offering a digital process for purchasing compulsory vehicle insurance with affordable policies. Through its services, R5 allows customers to leverage their vehicles to obtain credit at lower rates, making financial opportunities more accessible.

Pine is a technology-driven digital mortgage company operating in Canada. It offers a streamlined, direct-to-consumer mortgage process with competitive rates, aiming to provide customers with a seamless and stress-free home financing experience.

Founded in 2017, Moladin is an e-commerce platform specializing in the automotive sector, facilitating online transactions for used vehicles. The company has established partnerships with over 40 dealers and several major financing firms to offer consumers a wide range of options and discounts. Moladin's platform serves as a comprehensive resource for automotive owners, providing access to an online directory of servicing workshops, spare part retailers, accessory dealers, and modifiers. Additionally, it streamlines the financing process, allowing motorcycle users to easily obtain information and funding in one unified location.

Mistho is a fintech company that provides an open payroll API designed to facilitate the access and sharing of salary and employment information in Europe. The platform enables consumers to securely and easily share their income data with various third parties, including banks, insurance companies, and lenders, through a streamlined process. By integrating Mistho's app into existing workflows, businesses can simplify income verification, enhancing the consumer experience during activities such as renting property, leasing vehicles, or applying for loans. This solution eliminates the need for consumers to manually upload payslips or request documentation from their HR departments, as it allows them to log in to their payroll portals directly for verification. Mistho aims to improve the efficiency of income verification processes and support businesses in delivering superior services in the fintech sector.

OwnHome is a company focused on providing alternatives to traditional homeownership, specifically aimed at transforming renters into homeowners. The company purchases homes on behalf of its clients, allowing them to gradually build equity through a system of purchase credits. Clients make secure monthly payments, and at a pre-agreed price, they can transfer full ownership of the property after a designated settlement period. This innovative approach helps individuals who may struggle to enter the housing market, offering them a pathway to homeownership.

FloatPays is a Cape Town-based fintech company established in 2019. It offers an integrated platform that enables employees early access to their earned wages, along with payroll integration, financial education, reporting services, and payment solutions.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

Founded in 2017, Moladin is an e-commerce platform specializing in the automotive sector, facilitating online transactions for used vehicles. The company has established partnerships with over 40 dealers and several major financing firms to offer consumers a wide range of options and discounts. Moladin's platform serves as a comprehensive resource for automotive owners, providing access to an online directory of servicing workshops, spare part retailers, accessory dealers, and modifiers. Additionally, it streamlines the financing process, allowing motorcycle users to easily obtain information and funding in one unified location.

Plentina is a financial technology company founded in 2019 that specializes in creating alternative credit scores and applications to facilitate access to store credit financing for essential purchases, such as food and medicine, in emerging markets. By leveraging machine learning algorithms, Plentina aims to unlock financial services for underserved populations, enabling them to secure microloans and improve their purchasing power. The company's innovative approach addresses the challenges faced by individuals in these markets, helping them to access vital goods and financial resources more easily. Headquartered in its founding location, Plentina is committed to enhancing financial inclusion in regions where traditional credit systems may be inadequate.

Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.

Anyfin is a Stockholm-based fintech that provides a loan refinancing platform. The service enables users to refinance existing loans by taking a photo of loan statements and using consumer data and artificial intelligence to assess terms and potential savings. By reducing reliance on intermediaries, the platform aims to secure lower interest costs for borrowers without extending repayment periods. Founded in 2017, Anyfin focuses on helping customers improve their financial situation from Sweden.

Flowbo is a funding platform based in Los Angeles, California, that supports online content creators, freelancers, and solopreneurs by providing tailored financial services. Founded in 2021, the company leverages data-driven risk assessment to offer loans specifically designed for digital content creators. These loans are calculated based on the creator's channel performance and audience reach, allowing users to finance various projects, including e-commerce stores, games, and studios. By facilitating access to necessary funding, Flowbo enables creators to explore new platforms, initiate collaborations, and enhance their visibility in the digital landscape.

Honest develops innovative financial products, notably a credit card application that offers no annual fee, low interest rates on purchases, balance transfers, and rewards points. Its platform aims to help customers build credit history and improve their overall financial health.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

OwnHome is a company focused on providing alternatives to traditional homeownership, specifically aimed at transforming renters into homeowners. The company purchases homes on behalf of its clients, allowing them to gradually build equity through a system of purchase credits. Clients make secure monthly payments, and at a pre-agreed price, they can transfer full ownership of the property after a designated settlement period. This innovative approach helps individuals who may struggle to enter the housing market, offering them a pathway to homeownership.

Uncapped Ltd. is a revenue-based finance provider that enables founders to access growth capital without sacrificing control of their businesses. Founded in 2019 and based in London, the company offers business advances ranging from £10,000 to £2 million. Uncapped charges a flat fee of 6% on the capital provided and repays through a revenue share, eliminating the need for interest, personal guarantees, or equity stakes. This model allows for a straightforward and flexible financing solution, as the company assesses funding eligibility using marketing, sales, and accounting data based on current and projected revenues. By providing fair and accessible finance, Uncapped supports entrepreneurs in their growth journey without imposing hidden charges or lengthy processes.

Uncapped Ltd. is a revenue-based finance provider that enables founders to access growth capital without sacrificing control of their businesses. Founded in 2019 and based in London, the company offers business advances ranging from £10,000 to £2 million. Uncapped charges a flat fee of 6% on the capital provided and repays through a revenue share, eliminating the need for interest, personal guarantees, or equity stakes. This model allows for a straightforward and flexible financing solution, as the company assesses funding eligibility using marketing, sales, and accounting data based on current and projected revenues. By providing fair and accessible finance, Uncapped supports entrepreneurs in their growth journey without imposing hidden charges or lengthy processes.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

Uncapped Ltd. is a revenue-based finance provider that enables founders to access growth capital without sacrificing control of their businesses. Founded in 2019 and based in London, the company offers business advances ranging from £10,000 to £2 million. Uncapped charges a flat fee of 6% on the capital provided and repays through a revenue share, eliminating the need for interest, personal guarantees, or equity stakes. This model allows for a straightforward and flexible financing solution, as the company assesses funding eligibility using marketing, sales, and accounting data based on current and projected revenues. By providing fair and accessible finance, Uncapped supports entrepreneurs in their growth journey without imposing hidden charges or lengthy processes.

Reap Technologies Ltd., established in 2018 and headquartered in Hong Kong, specializes in developing and providing software solutions and platforms for businesses. Its core offerings include cash flow management, instant credit access, and rebate earnings. Reap also facilitates SME loans using external capital, driven by data and technology. The company's platform enables businesses of all sizes to access and manage finances, with features such as a card issuing API for secure credit card programs and expense management software. Reap empowers businesses to control their finances and streamline operations, with a team of over 50 working across multiple countries.

Anyfin is a Stockholm-based fintech that provides a loan refinancing platform. The service enables users to refinance existing loans by taking a photo of loan statements and using consumer data and artificial intelligence to assess terms and potential savings. By reducing reliance on intermediaries, the platform aims to secure lower interest costs for borrowers without extending repayment periods. Founded in 2017, Anyfin focuses on helping customers improve their financial situation from Sweden.

Uncapped Ltd. is a revenue-based finance provider that enables founders to access growth capital without sacrificing control of their businesses. Founded in 2019 and based in London, the company offers business advances ranging from £10,000 to £2 million. Uncapped charges a flat fee of 6% on the capital provided and repays through a revenue share, eliminating the need for interest, personal guarantees, or equity stakes. This model allows for a straightforward and flexible financing solution, as the company assesses funding eligibility using marketing, sales, and accounting data based on current and projected revenues. By providing fair and accessible finance, Uncapped supports entrepreneurs in their growth journey without imposing hidden charges or lengthy processes.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

Anyfin is a Stockholm-based fintech that provides a loan refinancing platform. The service enables users to refinance existing loans by taking a photo of loan statements and using consumer data and artificial intelligence to assess terms and potential savings. By reducing reliance on intermediaries, the platform aims to secure lower interest costs for borrowers without extending repayment periods. Founded in 2017, Anyfin focuses on helping customers improve their financial situation from Sweden.

Handle is a construction software company that provides an end-to-end platform to streamline payments and project administration. Its tools automate tasks related to late payments, lien management, deadline tracking, mailings, and document management, enabling contractors and material suppliers to be paid faster. The software supports credit and finance teams with online payments, waivers, and access to capital, consolidating workflows for invoices and documents. By digitizing owner verification, required documents, electronic signatures, and related communications, Handle helps construction projects run smoothly and reduce payment delays. Based in La Jolla, California.

TheGuarantors is a FinTech company that delivers risk and financial solutions for the real estate ecosystem. It operates a rental coverage platform that acts as a financing tool for tenants to replace traditional security deposits with a small annual fee, while providing landlords with the protection they require. By removing the upfront deposit barrier, the platform helps tenants unfreeze capital and access rental opportunities more affordably and with less friction. The company leverages data and industry expertise in real estate, risk, and finance to streamline leasing, reduce risk for landlords, and expand access to rental housing. The platform serves landlords, leasing staff, brokers, renters, and tenants by improving efficiency in the leasing process and facilitating smoother tenant-screening and cash flow management.

Creditoo is an online platform based in Brazil that specializes in providing low-interest payroll loans. The company aims to simplify access to credit for employees who face challenges in obtaining payroll loans through traditional means, often due to bureaucratic hurdles and high-interest rates. By facilitating a straightforward and efficient loan process, Creditoo enables companies to extend financial support to their employees, ensuring they have access to affordable credit options.

Anyfin is a Stockholm-based fintech that provides a loan refinancing platform. The service enables users to refinance existing loans by taking a photo of loan statements and using consumer data and artificial intelligence to assess terms and potential savings. By reducing reliance on intermediaries, the platform aims to secure lower interest costs for borrowers without extending repayment periods. Founded in 2017, Anyfin focuses on helping customers improve their financial situation from Sweden.

ProntoPiso is a real estate technology company that specializes in facilitating property transactions. It offers an online platform that provides advice and support throughout the buying and selling process. Notably, ProntoPiso guarantees the sale of a client's home within 90 days, and it advances the sale proceeds without charging any fees. The company's technology also includes tools for real estate professionals, such as photographic reports and 3D videos, to enhance property marketing and generate qualified leads.

Anyfin is a Stockholm-based fintech that provides a loan refinancing platform. The service enables users to refinance existing loans by taking a photo of loan statements and using consumer data and artificial intelligence to assess terms and potential savings. By reducing reliance on intermediaries, the platform aims to secure lower interest costs for borrowers without extending repayment periods. Founded in 2017, Anyfin focuses on helping customers improve their financial situation from Sweden.

TheGuarantors is a FinTech company that delivers risk and financial solutions for the real estate ecosystem. It operates a rental coverage platform that acts as a financing tool for tenants to replace traditional security deposits with a small annual fee, while providing landlords with the protection they require. By removing the upfront deposit barrier, the platform helps tenants unfreeze capital and access rental opportunities more affordably and with less friction. The company leverages data and industry expertise in real estate, risk, and finance to streamline leasing, reduce risk for landlords, and expand access to rental housing. The platform serves landlords, leasing staff, brokers, renters, and tenants by improving efficiency in the leasing process and facilitating smoother tenant-screening and cash flow management.

Bxblue is a Brazilian fintech company that operates an online marketplace for personal loans. It specifically targets pensioners and government workers, offering payroll-secured loans at significantly lower interest rates compared to credit cards. This market segment represents 60% of Brazil's personal loan market, valued at USD 40 billion annually.

Borro Private Finance is an online lending company that specializes in providing loans secured against luxury assets such as fine art, classic cars, jewelry, and watches. Founded in 2008 and headquartered in London, with an additional office in New York, the company offers discreet financing options that allow individuals to leverage their high-value possessions as collateral for both short and long-term loans. Borro's in-house valuation expertise ensures clients receive accurate assessments of their assets, facilitating quick access to capital for various needs, whether to capitalize on opportunities or manage unexpected expenses. The company operates as a subsidiary of Luxury Asset Capital LLC.