Global Founders Capital

Defacto is a fintech firm that offers credit infrastructure using an API for small and medium companies. The platform of the company solves the working capital requirement, provides loans, and lets businesses to return when consumers pay, allowing businesses to finance any invoices and offer early payment to suppliers, as well as automate payments and reconciliation.

Plotch is an AI-driven e-commerce ERP designed specifically for small businesses, providing a comprehensive technology platform to address various operational needs. The software allows users to quickly launch shopping websites and apps or connect with existing platforms like Shopify and Magento. With a modular architecture, Plotch supports advanced cloud-based digital transformation, offering features such as inventory management, sales and manufacturing management, accounting, warehouse management, customer relationship management, and logistics management. Additionally, Plotch enables businesses to establish node infrastructure and facilitate node-to-node payments, making it a versatile solution for businesses aiming to streamline their supply chain and enhance their online presence.

StepChange is a company that provides an enterprise sustainability management platform aimed at assisting large corporate enterprises and financial institutions in enhancing their environmental, social, and governance (ESG) metrics. The platform features a comprehensive suite of cloud-based software tools designed for measuring, managing, improving, and reporting climate impact across various metrics. StepChange boasts one of the largest carbon accounting databases specific to India, containing over 75,000 emission factors related to diverse products and services. This extensive database has empowered leading enterprises to account for more than 250 million tCO2e in aggregate, representing over 7.5% of India's total emissions. Through its integrated solutions, StepChange enables businesses to effectively manage climate risks and reduce emissions throughout their supply chains and operations.

Primo is a developer of a business platform that provides an integrated solution for managing a fleet of devices. The platform enables businesses to easily track their devices, adjust settings, deploy applications, and encrypt data with minimal effort through a centralized dashboard. This functionality allows organizations to swiftly respond to incidents such as spills, drops, losses, and thefts, enhancing their operational efficiency. Designed to scale from small teams to larger enterprises, Primo's system supports growth by streamlining device management and improving recovery processes.

Culture Amp Pty Ltd is a company that provides an employee experience platform designed to enhance employee engagement, retention, and performance. Founded in 2009 and headquartered in Richmond, Australia, with additional offices in San Francisco, New York, and London, Culture Amp caters to a diverse clientele, from startups to Fortune 500 companies around the globe. The platform enables organizations to create surveys that assess employee engagement and experience, allowing businesses to collect, understand, and act on valuable feedback. By addressing the challenges faced by rapidly growing organizations, Culture Amp aims to foster a culture of learning and adaptability, ultimately improving the overall work environment.

Telda is a financial brand operating in the MENA region, targeting Millennials and Gen Z with its innovative money transfer application. The platform simplifies the processes of sending, spending, and saving money, providing a convenient alternative to traditional banking. Users can open a free account without paperwork, utilizing biometric identification and 3D secure technology. Telda allows individuals to send and receive money from friends at no cost, while also offering insights into spending habits to assist clients in managing their finances effectively. Through its user-friendly approach, Telda aims to enhance the payment experience and address common money handling challenges faced by its audience.

Vance is a financial services provider focused on offering non-dilutive funding to revenue-generating startups. The company has developed a global neo-bank that facilitates access to a comprehensive banking infrastructure, allowing users to manage their finances seamlessly while traveling. Vance enables zero-cost, real-time payments across various countries, empowering consumers to conduct banking transactions across borders through a unified interface. This approach aims to support startups by providing essential financial resources without compromising their ownership stakes.

Heru is a company focused on enhancing the lives of gig-economy workers by offering a comprehensive suite of services tailored to their needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and based in Mexico City, Heru aims to improve the conditions of independent workers through technology-driven solutions. The company's financial technology platform provides essential tools for managing accounting, including electronic invoicing and tax management. It offers customized insurance policies, working capital, credit options, and financial guidance, as well as facilitating tax declarations and providing cell phone data plans. Heru's mission is to empower freelancers and independent workers by simplifying their financial responsibilities and ensuring they have access to necessary resources and expert assistance.

Cashgrow is an all-in-one payment and expense management platform for businesses and SME merchants in Vietnam

Pastel is a company focused on supporting African businesses by providing financial applications that enhance operational efficiency. It offers various tools, including quick receipt management, bookkeeping solutions, and financing options tailored for small businesses in developing countries. By leveraging artificial intelligence and data science, Pastel develops digital tools that empower clients to improve their financial accountability and streamline their business processes. The company's mission is to unlock the potential of these businesses, enabling them to thrive in a competitive landscape.

Barte is a B2B online payments platform focused on automating payment processes for small and mid-sized enterprises in Latin America. The platform enhances cash flow management by offering automated payment solutions and revenue-based financing, which enables users to efficiently access financial metrics and credit options. By streamlining payment procedures, Barte aims to simplify financial operations for businesses, helping them improve their overall financial health.

Peakflo is a software-as-a-service (SaaS) company that specializes in collections and payables for businesses in Southeast Asia. Its platform enables finance teams, ranging from early-stage startups to established unicorns, to optimize their financial operations through a straightforward API and seamless accounting software integration. Users benefit from significant time savings, reportedly reclaiming up to 100 hours monthly on finance tasks. The platform also enhances cash flow by accelerating invoice payments by 10 to 20 days and streamlining the vendor payment process, which can cut associated fees by 50 to 90 percent. By focusing on the payment needs of small and medium-sized enterprises, Peakflo helps businesses reduce bad debts and maintain healthier cash flow.

Personio GmbH, established in 2014 and headquartered in Munich, Germany, specializes in providing comprehensive HR management and recruiting software solutions for small and medium-sized businesses with 10 to 2,000 employees. Its all-in-one platform streamlines HR processes by offering features such as digital employee files, time off management, performance tracking, reporting, and onboarding, enabling HR teams to focus on strategic people management.

Defacto is a fintech firm that offers credit infrastructure using an API for small and medium companies. The platform of the company solves the working capital requirement, provides loans, and lets businesses to return when consumers pay, allowing businesses to finance any invoices and offer early payment to suppliers, as well as automate payments and reconciliation.

Salary Hero is a financial health platform tailored for the Thai workforce, aimed at enhancing employee financial well-being. The service offers a variety of financial tools, including Salary on Demand, financial education resources, budgeting tools, and high-interest savings options. By integrating seamlessly with existing HR processes, Salary Hero simplifies implementation and management, allowing employers to focus on their core operations. The platform helps reduce financial stress among employees, leading to improved financial independence and increased savings. Additionally, employers benefit from lower staff turnover, quicker recruitment, and a more engaged workforce, ultimately driving positive economic outcomes for both employees and organizations.

HitPay is a payment infrastructure platform based in Singapore, established in 2016, that focuses on simplifying payment solutions for small and medium-sized enterprises (SMEs) in the Asia-Pacific region. The platform integrates e-commerce, point of sale, and B2B payment systems into a cohesive service, enabling businesses to manage transactions seamlessly across multiple channels. HitPay's offerings include a mobile point of sale that allows customers to make secure, one-click purchases using various payment methods, without the need for an account, and supports transactions in multiple currencies. The company is regulated across six APAC jurisdictions and has garnered support from prominent investors, positioning itself as a key player in facilitating accessible payment solutions for growing businesses.

Nelly is a company that provides a digital tool aimed at streamlining patient onboarding and payment processes for medical practices. By significantly reducing administrative burdens, Nelly addresses a primary concern for healthcare professionals, who often cite bureaucracy as a major workplace challenge. The platform allows patients to complete admission forms and sign documents securely using their mobile devices, while also offering flexible payment options. This digitization of processes not only enhances the efficiency of medical practices but also aims to create a more patient-friendly experience during visits. Nelly's mission is to simplify the documentation and payment landscape in healthcare, ultimately benefiting both practitioners and patients.

Zigo is a technology company that specializes in cloud-based maintenance management software for small and medium-sized businesses (SMBs) in Latin America. Its platform aims to digitize and automate work orders, manage parts inventory, and facilitate team communication. By utilizing Zigo's solution, businesses can minimize machine downtime, extend asset lifespan, enhance maintenance team efficiency, and reduce operational costs. The platform encourages a more agile and collaborative work environment, enabling SMBs to improve their competitiveness.

Knoma Ltd operates an online platform that facilitates loans for educational courses, focusing on bridging the digital skills gap in a rapidly evolving global economy. Established in 2018 and based in London, the platform allows users to access a wide range of online courses, including subjects like cybersecurity and software development. Knoma enables learners to finance their education through flexible monthly payments, allowing them to borrow up to £10,000, which can be repaid over a twelve-month period without any interest or fees. By partnering with leading coding and tech schools, Knoma aims to make lifelong learning more accessible and affordable, thereby supporting individuals in enhancing their technical, digital, and data skills for future career advancement.

Simetrik, founded in 2017 and based in Bogotá, Colombia, provides verification and reconciliation services for transactional data, focusing on financial control and automation for corporate clients. The company offers a no-code/low-code platform that enhances efficiency and productivity, allowing finance and operations teams to customize and maintain automations for a variety of use cases. Simetrik's secure big data infrastructure supports high volumes of data while mitigating operational, compliance, and reputational risks. Currently, it reconciles $75 billion in total payment volume annually across 28 countries, serving notable clients such as Mercado Pago, Rappi Bank, and NuBank. The platform integrates various data sources, regardless of origin or format, enabling businesses to gain control over their financial movements and receive accurate results at a reduced cost.

Zaapi is a digital commerce software provider that offers e-commerce sellers a comprehensive platform to manage their online operations. It enables users to build websites, manage inventory, and create catalogs, all while streamlining workflows through a single interface. The platform supports multi-channel selling, allowing businesses to engage with customers via various channels, including web and social media platforms like Facebook, Instagram, and LINE. By centralizing communication and providing timely notifications, Zaapi ensures that sellers can respond to customer inquiries efficiently. This all-in-one solution is designed to help small businesses accelerate their growth in the competitive e-commerce landscape.

Mistho operates a fintech platform that provides the first open payroll API in Europe, allowing consumers to securely access and share their salary and employment information with third parties, including banks, insurance companies, and lenders. The platform simplifies the income verification process, enabling businesses to integrate Mistho's tools into their existing systems. This service addresses common challenges faced by consumers, such as sharing payslips when applying for loans or renting property, by allowing them to log in to their payroll portal without the need for manual uploads or assistance from HR departments. By streamlining income verification, Mistho aims to enhance consumer experiences across the financial technology sector.

Swipe is a billing and payments application designed for small businesses, focusing on simplifying financial management tasks. The software enables users to generate instant GST-compliant invoices, track sales, and manage both inventory and vendor relationships. Additionally, Swipe facilitates the filing of GST returns and provides tools for creating professional invoices, helping businesses maintain compliance with tax regulations. By offering real-time insights into sales and purchases, Swipe aims to streamline the financial operations of its users, enhancing efficiency and organization.

Seyna is a digital insurance company based in Paris, France, established in 2018. It specializes in providing white label damage insurance products tailored for various needs. Its offerings include rental insurance, coverage for tuition fees at private institutions in case of illness, protection for self-employed workers' equipment, and cancellation cover for ticketing. Seyna also operates an insurance creation, management, and distribution platform designed for brokers, facilitating the customization and easy management of insurance products across different sectors, including non-life insurance.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It specializes in providing innovative financing solutions for both consumers and businesses, addressing the challenges of traditional lending. The company enables individuals to check their loan eligibility and offers tailored credit facilities for property investors and businesses. Selina Finance aims to unlock the value tied up in UK homes by offering an affordable line of credit secured against residential property. This solution is designed to be as flexible as a current account, as affordable as a mortgage, and as simple to apply for as a consumer loan, thereby catering to the evolving needs of homeowners who often rely on costly borrowing options. By integrating expertise from real estate, finance, and technology, Selina Finance delivers a next-generation lending experience, allowing customers to access funds without setup or early repayment fees.

Truck It In is a logistics technology company aimed at streamlining road freight operations in Pakistan. Its platform serves over 3.3 million businesses, providing a connection between shippers and truckers. By offering access to a reliable fleet of trucks at competitive prices, Truck It In facilitates instant load bookings and ensures back-haul load availability. The platform automates the delivery tracking process, thereby enhancing efficiency within the logistics industry and unlocking significant resource potential.

Bold is the proprietor of a financial company that focuses on small to medium-sized businesses. The company provides a card payment system that enables small merchants to accept digital payments via credit and debit cards, both national and international, for both contactless and chip transactions, and displays transaction details, processing costs, and sales reports through its application, allowing businesses to use an alternative payment method that helps to increase revenue.

Pennylane is a developer of a comprehensive financial management platform aimed at centralizing fragmented financial data for businesses. The platform provides a real-time overview of financial information, allowing business managers to make informed decisions. By integrating various financial and accounting functions, Pennylane assists small and medium-sized enterprises in streamlining their administrative processes, including invoicing, collections, supplier payments, and cash management. This approach combines advanced technology with human expertise, enabling startups and SMEs to achieve efficient accounting and management outcomes.

Senses-AI is a data intelligence service provider that specializes in offering advanced data and artificial intelligence solutions tailored for the banking industry. The company focuses on enhancing data assets and developing AI capabilities to facilitate intelligent risk control, marketing, operations, pricing, and analysis. By leveraging these technologies, Senses-AI aims to drive innovation and improve operational efficiency within financial institutions. Their services are designed to support the digital transformation of banks, helping them establish intelligent centers that lead the way in financial reform and modernization.

Fuzey provides a comprehensive digital platform aimed at small and medium-sized enterprises (SMEs) and independent contractors, including those in the automotive sector, such as mechanics and car dealerships. The platform facilitates business growth and management by enabling users to streamline communications through various channels, including SMS, WhatsApp, email, Facebook, and Instagram. It offers tools to understand customer behavior, manage appointments by syncing directly with calendars, send invoices, and process payments. Additionally, Fuzey helps businesses enhance their online presence by increasing customer reviews, ultimately allowing them to attract, convert, and retain clients more effectively.

Cross Commerce Store is a Brazilian cross-border e-commerce company that facilitates global sales for local entrepreneurs. The firm offers a platform that connects international sellers with Brazilian marketplaces, such as Americanas.com and Mercado Livre. By addressing the complexities of cross-border transactions, the company streamlines processes like registration, product uploads, and logistics for sellers. With a team of seasoned professionals from major marketplaces and logistics firms, Cross Commerce Store aims to simplify and enhance the cross-border sales experience, enabling businesses to expand their reach into international markets efficiently.

Norma is a financial technology company that offers a comprehensive banking and financial management platform tailored for freelancers and micro-small and medium enterprises (micro-SMEs). The platform aims to streamline daily financial operations by providing integrated products that facilitate corporate account and funding services, pre-accounting transactions, and investment advisory services. By focusing on cost-effective solutions, Norma enables its users to save both time and money, making it easier for small business owners to manage their financial activities efficiently.

Opontia is an e-commerce acquiring company focused on purchasing and growing small businesses across the Middle East and Africa. It specializes in acquiring companies that possess strong home-grown brands and long-term competitive advantages. Opontia aims to simplify the selling process for business owners, ensuring they can receive payment within six weeks of accepting an offer. In addition to facilitating sales, Opontia offers expertise in brand building, product design and launch, logistics, and financing for small and medium enterprises. This comprehensive approach allows Opontia to effectively scale the businesses it acquires while providing a fair and efficient selling experience for owners.

Tino is a Brazilian company based in São Paulo, founded in November 2021 by Pedro Sonego de Oliveira and Luis Eduardo Cascão. It is developing a B2B payment network that enables merchants to leverage their credit card receivables as collateral for accessing working capital. This innovative platform allows retailers to increase their purchasing power without the need to anticipate receivables, facilitating smoother transactions with suppliers. By streamlining the commercial relationship between merchants and suppliers, Tino aims to enhance commercial opportunities while managing default risks effectively. The company's focus on data-driven solutions seeks to optimize B2B buying and selling processes, making it easier for businesses to operate and grow.

Deskimo is a desk booking app that facilitates access to workspace for remote professionals in Singapore and Hong Kong. The platform connects users with a network of vetted workspaces, enabling them to discover suitable locations for work. Deskimo allows users to check in quickly and pay by the minute for their chosen workspace, making it a flexible option for those seeking to work away from distractions. By providing easy access to quality work environments, Deskimo supports businesses in adopting hybrid work models and enhances productivity for mobile workers.

Nomod is a London-based company founded in 2019 that develops a financial operating system aimed at forward-thinking businesses in emerging markets. The company provides payment tools and financial services that facilitate business transactions, allowing entrepreneurs and startups to easily accept card payments both in-person and online. By simplifying financial processes, Nomod enables these businesses to manage their finances effectively, thereby supporting their growth and development.

Plentina is a financial technology company that focuses on providing alternative credit solutions in emerging markets. Founded in 2019, the company utilizes machine learning algorithms to create an alternative credit score that enables users to access store credit financing for essential purchases, such as food and medicine. By offering microloans and financial services tailored to the needs of underserved populations, Plentina aims to enhance financial inclusion and empower individuals to obtain necessary goods and services.

Defacto is a fintech firm that offers credit infrastructure using an API for small and medium companies. The platform of the company solves the working capital requirement, provides loans, and lets businesses to return when consumers pay, allowing businesses to finance any invoices and offer early payment to suppliers, as well as automate payments and reconciliation.

EdenFarm Indonesia specializes in the distribution of fresh produce, including fruits, vegetables, and dry goods, directly to restaurants across the country. By collaborating with local farmers and central markets, the company eliminates intermediaries in the supply chain, allowing for more efficient delivery and better profit margins for farmers. This direct connection fosters a sustainable food distribution system, ensuring that businesses receive high-quality products while supporting local agriculture. Through its services, EdenFarm aims to enhance the economic viability of farmers and improve access to fresh produce for the restaurant industry in Indonesia.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Personio GmbH, established in 2014 and headquartered in Munich, Germany, specializes in providing comprehensive HR management and recruiting software solutions for small and medium-sized businesses with 10 to 2,000 employees. Its all-in-one platform streamlines HR processes by offering features such as digital employee files, time off management, performance tracking, reporting, and onboarding, enabling HR teams to focus on strategic people management.

Finmo is a cloud-native financial platform that simplifies global payments and financial operations for businesses of all sizes. It enables users to manage cross-border payments, handle multi-currency funds, and automate cash flow through a single integrated system. The platform provides Global Currency Accounts that allow businesses to hold, pay, and receive funds in various currencies, complete with local bank details to streamline operations and reduce the need for multiple accounts. Finmo connects to local endpoints in major markets, ensuring optimized payment solutions that enhance growth, speed, and cost-effectiveness. With features for real-time expense tracking and cash flow forecasting, Finmo empowers businesses to make informed financial decisions while facilitating seamless transactions worldwide.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

Prospa is a technology company focused on supporting African entrepreneurs and small businesses through its banking application. This application enables business owners to open and manage business accounts, providing them with an account number in the company's name. Prospa's platform facilitates various financial transactions, including sending and receiving transfers, creating invoices, and establishing sub-accounts. By addressing common financial challenges faced by small businesses, Prospa aims to enhance productivity and streamline operations for its users.

Truck It In is a logistics technology company aimed at streamlining road freight operations in Pakistan. Its platform serves over 3.3 million businesses, providing a connection between shippers and truckers. By offering access to a reliable fleet of trucks at competitive prices, Truck It In facilitates instant load bookings and ensures back-haul load availability. The platform automates the delivery tracking process, thereby enhancing efficiency within the logistics industry and unlocking significant resource potential.

Tino is a Brazilian company based in São Paulo, founded in November 2021 by Pedro Sonego de Oliveira and Luis Eduardo Cascão. It is developing a B2B payment network that enables merchants to leverage their credit card receivables as collateral for accessing working capital. This innovative platform allows retailers to increase their purchasing power without the need to anticipate receivables, facilitating smoother transactions with suppliers. By streamlining the commercial relationship between merchants and suppliers, Tino aims to enhance commercial opportunities while managing default risks effectively. The company's focus on data-driven solutions seeks to optimize B2B buying and selling processes, making it easier for businesses to operate and grow.

Culture Amp Pty Ltd is a company that provides an employee experience platform designed to enhance employee engagement, retention, and performance. Founded in 2009 and headquartered in Richmond, Australia, with additional offices in San Francisco, New York, and London, Culture Amp caters to a diverse clientele, from startups to Fortune 500 companies around the globe. The platform enables organizations to create surveys that assess employee engagement and experience, allowing businesses to collect, understand, and act on valuable feedback. By addressing the challenges faced by rapidly growing organizations, Culture Amp aims to foster a culture of learning and adaptability, ultimately improving the overall work environment.

HitPay is a payment infrastructure platform based in Singapore, established in 2016, that focuses on simplifying payment solutions for small and medium-sized enterprises (SMEs) in the Asia-Pacific region. The platform integrates e-commerce, point of sale, and B2B payment systems into a cohesive service, enabling businesses to manage transactions seamlessly across multiple channels. HitPay's offerings include a mobile point of sale that allows customers to make secure, one-click purchases using various payment methods, without the need for an account, and supports transactions in multiple currencies. The company is regulated across six APAC jurisdictions and has garnered support from prominent investors, positioning itself as a key player in facilitating accessible payment solutions for growing businesses.

Tinvio is a developer of supply chain and commerce software aimed at enhancing collaboration between merchants and suppliers. The platform allows users to communicate with suppliers, create purchase orders through a mobile interface, and maintain a digital ledger of all transactions, including orders and invoices. By providing insights to improve purchasing decisions, Tinvio empowers businesses to work more effectively together, ultimately driving productivity and profitability for all parties involved. Through its user-friendly design and supportive features, Tinvio seeks to ensure that every merchant and supplier can operate more efficiently.

Sorbet is a Fintech company that provides an innovative platform for converting employees' unused paid time off into cash. This service allows professionals to utilize their accrued time-off more effectively while offering employers the financial flexibility to manage vacation accruals, reduce costs, and improve cash flow. The platform seamlessly integrates with existing calendars and payroll systems, helping employers analyze time management patterns and employee habits. By doing so, it enables organizations to suggest personalized, pre-approved micro-breaks and vacations that align with individual preferences. This comprehensive approach benefits both employees and employers, optimizing the use of accrued time-off.

Finantier operates an open finance platform that delivers essential infrastructure and data products for businesses in Southeast Asia. Founded in 2020 and based in Jakarta Selatan, Indonesia, the company enables institutions to access and enrich datasets from various financial sources, including banks and financial companies. Its platform facilitates services such as account integration, income and identity verification, and recurring payment management. By utilizing application programming interfaces (APIs), Finantier allows businesses to build advanced financial services that integrate consumer data from personal bank accounts, card details, loans, and mortgages. The company aims to position itself as a central player in the region's digital economy.

Wagely is a developer of a financial wellness platform designed to alleviate employee financial stress. The platform enables employees to access wages they have already earned but have not yet received, thereby eliminating the need for cash advances. By providing this access, Wagely aims to enhance employees' financial health, allowing them greater flexibility to manage their finances, pay bills on time, avoid late fees, and address unforeseen expenses.

Bold is the proprietor of a financial company that focuses on small to medium-sized businesses. The company provides a card payment system that enables small merchants to accept digital payments via credit and debit cards, both national and international, for both contactless and chip transactions, and displays transaction details, processing costs, and sales reports through its application, allowing businesses to use an alternative payment method that helps to increase revenue.

Opontia is an e-commerce acquiring company focused on purchasing and growing small businesses across the Middle East and Africa. It specializes in acquiring companies that possess strong home-grown brands and long-term competitive advantages. Opontia aims to simplify the selling process for business owners, ensuring they can receive payment within six weeks of accepting an offer. In addition to facilitating sales, Opontia offers expertise in brand building, product design and launch, logistics, and financing for small and medium enterprises. This comprehensive approach allows Opontia to effectively scale the businesses it acquires while providing a fair and efficient selling experience for owners.

Opontia is an e-commerce acquiring company focused on purchasing and growing small businesses across the Middle East and Africa. It specializes in acquiring companies that possess strong home-grown brands and long-term competitive advantages. Opontia aims to simplify the selling process for business owners, ensuring they can receive payment within six weeks of accepting an offer. In addition to facilitating sales, Opontia offers expertise in brand building, product design and launch, logistics, and financing for small and medium enterprises. This comprehensive approach allows Opontia to effectively scale the businesses it acquires while providing a fair and efficient selling experience for owners.

QisstPay operates a Buy Now, Pay Later platform in Pakistan, offering consumers the ability to purchase items through interest-free installments. The service is designed to facilitate credit sales for merchants without imposing any markup fees or interest charges. By enabling customers to buy products such as clothing and shoes while deferring payment, QisstPay enhances the shopping experience and increases sales potential for retailers. The platform aims to simplify the payment process and make installment purchasing accessible, thereby promoting a more flexible financial option for consumers in Pakistan.

sevDesk is a developer of innovative accounting software tailored for small businesses and freelancers. The platform utilizes artificial intelligence to automate various accounting tasks, significantly reducing manual effort and streamlining the overall process. By enabling users to manage documents through a single application, sevDesk supports both single and double bookkeeping, facilitates invoicing and banking, and offers features such as cashbook management and automated profit and loss calculations. This comprehensive approach allows clients to gain real-time insights into their financial status, simplifying their accounting needs while eliminating the necessity for a tax consultant.

Mamo is a fintech startup based in Dubai, UAE, specializing in payment and financial solutions for small and medium-sized enterprises (SMEs). It is the first fintech company licensed by the Dubai Financial Services Authority to provide money services, enabling it to offer a diverse range of financial services. Mamo's flagship product, Mamo Business, serves as an alternative to traditional business banking, functioning as a financial operating system tailored to the needs of SMEs. The platform incorporates essential components such as payments, spend management, and analytics, facilitating efficient financial operations. Mamo's application allows businesses to accept payments in multiple currencies, issue virtual cards, manage expenses, and integrate with e-commerce platforms. Its customer base includes a variety of sectors, including B2B service providers, tourism, healthcare, wellness, and retail, helping to streamline financial processes and enhance analysis of spending habits.

Telda is a financial brand operating in the MENA region, targeting Millennials and Gen Z with its innovative money transfer application. The platform simplifies the processes of sending, spending, and saving money, providing a convenient alternative to traditional banking. Users can open a free account without paperwork, utilizing biometric identification and 3D secure technology. Telda allows individuals to send and receive money from friends at no cost, while also offering insights into spending habits to assist clients in managing their finances effectively. Through its user-friendly approach, Telda aims to enhance the payment experience and address common money handling challenges faced by its audience.

Simetrik, founded in 2017 and based in Bogotá, Colombia, provides verification and reconciliation services for transactional data, focusing on financial control and automation for corporate clients. The company offers a no-code/low-code platform that enhances efficiency and productivity, allowing finance and operations teams to customize and maintain automations for a variety of use cases. Simetrik's secure big data infrastructure supports high volumes of data while mitigating operational, compliance, and reputational risks. Currently, it reconciles $75 billion in total payment volume annually across 28 countries, serving notable clients such as Mercado Pago, Rappi Bank, and NuBank. The platform integrates various data sources, regardless of origin or format, enabling businesses to gain control over their financial movements and receive accurate results at a reduced cost.

InsureQ is an insuretech startup that specializes in providing tailored insurance solutions for small and medium-sized enterprises (SMEs), freelancers, and startups. The company simplifies the insurance process, allowing businesses to save both time and money by offering a straightforward platform for obtaining coverage. InsureQ's digital distribution model enables users to access all relevant commercial insurance products by answering a few basic questions, ensuring that their specific needs are met. Partnering with Hiscox, a well-established player in the insurance industry with over a century of experience, InsureQ guarantees a level of safety and stability for its clients.

Truck It In is a logistics technology company aimed at streamlining road freight operations in Pakistan. Its platform serves over 3.3 million businesses, providing a connection between shippers and truckers. By offering access to a reliable fleet of trucks at competitive prices, Truck It In facilitates instant load bookings and ensures back-haul load availability. The platform automates the delivery tracking process, thereby enhancing efficiency within the logistics industry and unlocking significant resource potential.

Sorbet is a Fintech company that provides an innovative platform for converting employees' unused paid time off into cash. This service allows professionals to utilize their accrued time-off more effectively while offering employers the financial flexibility to manage vacation accruals, reduce costs, and improve cash flow. The platform seamlessly integrates with existing calendars and payroll systems, helping employers analyze time management patterns and employee habits. By doing so, it enables organizations to suggest personalized, pre-approved micro-breaks and vacations that align with individual preferences. This comprehensive approach benefits both employees and employers, optimizing the use of accrued time-off.

Invopop specializes in providing invoicing solutions for global software companies, ensuring compliance with local invoicing regulations. The company offers an API that efficiently records sales, generates invoices, and formats them according to the requirements of the relevant tax authorities. Its invoicing software incorporates a comprehensive library and micro-services that define local tax structures, validation rules, and digital signature protocols. By converting invoices into various local formats, such as PDFs and XML standards, and facilitating their transmission to accounting platforms, Invopop simplifies the invoicing process for developers and finance teams. This enables businesses to navigate complex regulatory environments with ease.

Personio GmbH, established in 2014 and headquartered in Munich, Germany, specializes in providing comprehensive HR management and recruiting software solutions for small and medium-sized businesses with 10 to 2,000 employees. Its all-in-one platform streamlines HR processes by offering features such as digital employee files, time off management, performance tracking, reporting, and onboarding, enabling HR teams to focus on strategic people management.

Pennylane is a developer of a comprehensive financial management platform aimed at centralizing fragmented financial data for businesses. The platform provides a real-time overview of financial information, allowing business managers to make informed decisions. By integrating various financial and accounting functions, Pennylane assists small and medium-sized enterprises in streamlining their administrative processes, including invoicing, collections, supplier payments, and cash management. This approach combines advanced technology with human expertise, enabling startups and SMEs to achieve efficient accounting and management outcomes.

Knoma Ltd operates an online platform that facilitates loans for educational courses, focusing on bridging the digital skills gap in a rapidly evolving global economy. Established in 2018 and based in London, the platform allows users to access a wide range of online courses, including subjects like cybersecurity and software development. Knoma enables learners to finance their education through flexible monthly payments, allowing them to borrow up to £10,000, which can be repaid over a twelve-month period without any interest or fees. By partnering with leading coding and tech schools, Knoma aims to make lifelong learning more accessible and affordable, thereby supporting individuals in enhancing their technical, digital, and data skills for future career advancement.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It specializes in providing innovative financing solutions for both consumers and businesses, addressing the challenges of traditional lending. The company enables individuals to check their loan eligibility and offers tailored credit facilities for property investors and businesses. Selina Finance aims to unlock the value tied up in UK homes by offering an affordable line of credit secured against residential property. This solution is designed to be as flexible as a current account, as affordable as a mortgage, and as simple to apply for as a consumer loan, thereby catering to the evolving needs of homeowners who often rely on costly borrowing options. By integrating expertise from real estate, finance, and technology, Selina Finance delivers a next-generation lending experience, allowing customers to access funds without setup or early repayment fees.

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.

SingularCover is an online insurance provider tailored specifically for small businesses, including SMEs and self-employed individuals. The company utilizes data analytics and artificial intelligence to generate personalized insurance policies, ensuring that the coverage meets the unique needs of each client. By streamlining the application process, SingularCover allows users to obtain quotes and set up monthly payment plans with minimal bureaucracy, making it easy to understand and purchase insurance in just a few clicks. This focus on simplicity and efficiency helps businesses save time while securing the necessary protection.

Pennylane is a developer of a comprehensive financial management platform aimed at centralizing fragmented financial data for businesses. The platform provides a real-time overview of financial information, allowing business managers to make informed decisions. By integrating various financial and accounting functions, Pennylane assists small and medium-sized enterprises in streamlining their administrative processes, including invoicing, collections, supplier payments, and cash management. This approach combines advanced technology with human expertise, enabling startups and SMEs to achieve efficient accounting and management outcomes.

Tinvio is a developer of supply chain and commerce software aimed at enhancing collaboration between merchants and suppliers. The platform allows users to communicate with suppliers, create purchase orders through a mobile interface, and maintain a digital ledger of all transactions, including orders and invoices. By providing insights to improve purchasing decisions, Tinvio empowers businesses to work more effectively together, ultimately driving productivity and profitability for all parties involved. Through its user-friendly design and supportive features, Tinvio seeks to ensure that every merchant and supplier can operate more efficiently.

Mamo is a fintech startup based in Dubai, UAE, specializing in payment and financial solutions for small and medium-sized enterprises (SMEs). It is the first fintech company licensed by the Dubai Financial Services Authority to provide money services, enabling it to offer a diverse range of financial services. Mamo's flagship product, Mamo Business, serves as an alternative to traditional business banking, functioning as a financial operating system tailored to the needs of SMEs. The platform incorporates essential components such as payments, spend management, and analytics, facilitating efficient financial operations. Mamo's application allows businesses to accept payments in multiple currencies, issue virtual cards, manage expenses, and integrate with e-commerce platforms. Its customer base includes a variety of sectors, including B2B service providers, tourism, healthcare, wellness, and retail, helping to streamline financial processes and enhance analysis of spending habits.

Personio GmbH, established in 2014 and headquartered in Munich, Germany, specializes in providing comprehensive HR management and recruiting software solutions for small and medium-sized businesses with 10 to 2,000 employees. Its all-in-one platform streamlines HR processes by offering features such as digital employee files, time off management, performance tracking, reporting, and onboarding, enabling HR teams to focus on strategic people management.

Cubo is a developer of a payment services platform. They offer small and medium businesses, starting with the point-of-sale systems that make payment accessible for merchants.

Seyna is a digital insurance company based in Paris, France, established in 2018. It specializes in providing white label damage insurance products tailored for various needs. Its offerings include rental insurance, coverage for tuition fees at private institutions in case of illness, protection for self-employed workers' equipment, and cancellation cover for ticketing. Seyna also operates an insurance creation, management, and distribution platform designed for brokers, facilitating the customization and easy management of insurance products across different sectors, including non-life insurance.

Crewdible operates a micro-warehousing platform that connects e-commerce sellers with individuals or businesses that have available space for use as fulfillment warehouses. By utilizing existing homes and offices, Crewdible significantly reduces operational costs, allowing for affordable solutions tailored to small and medium-sized enterprises (SMEs). The platform provides essential services such as inventory management, detailed income statements, location surveys, and contract signing, thereby facilitating efficient order fulfillment and enabling businesses to establish warehousing solutions without incurring excessive overhead expenses.

Sonovate Limited, established in 2011 and headquartered in London, specializes in providing financing and back-office support services to the recruitment industry in the United Kingdom. The company caters to a diverse range of recruitment agencies, including start-ups, those placing contractors, and those using invoice finance products. Sonovate's core offering is a cloud-based placement management application that streamlines contract administration, financing, credit control, invoicing, payments, compliance, and timesheets, enabling these agencies to manage their freelance workforce more efficiently.

EdenFarm Indonesia specializes in the distribution of fresh produce, including fruits, vegetables, and dry goods, directly to restaurants across the country. By collaborating with local farmers and central markets, the company eliminates intermediaries in the supply chain, allowing for more efficient delivery and better profit margins for farmers. This direct connection fosters a sustainable food distribution system, ensuring that businesses receive high-quality products while supporting local agriculture. Through its services, EdenFarm aims to enhance the economic viability of farmers and improve access to fresh produce for the restaurant industry in Indonesia.

Culture Amp Pty Ltd is a company that provides an employee experience platform designed to enhance employee engagement, retention, and performance. Founded in 2009 and headquartered in Richmond, Australia, with additional offices in San Francisco, New York, and London, Culture Amp caters to a diverse clientele, from startups to Fortune 500 companies around the globe. The platform enables organizations to create surveys that assess employee engagement and experience, allowing businesses to collect, understand, and act on valuable feedback. By addressing the challenges faced by rapidly growing organizations, Culture Amp aims to foster a culture of learning and adaptability, ultimately improving the overall work environment.

Simetrik, founded in 2017 and based in Bogotá, Colombia, provides verification and reconciliation services for transactional data, focusing on financial control and automation for corporate clients. The company offers a no-code/low-code platform that enhances efficiency and productivity, allowing finance and operations teams to customize and maintain automations for a variety of use cases. Simetrik's secure big data infrastructure supports high volumes of data while mitigating operational, compliance, and reputational risks. Currently, it reconciles $75 billion in total payment volume annually across 28 countries, serving notable clients such as Mercado Pago, Rappi Bank, and NuBank. The platform integrates various data sources, regardless of origin or format, enabling businesses to gain control over their financial movements and receive accurate results at a reduced cost.

Shleep B.V. is a digital sleep coaching platform based in Amsterdam, Netherlands, founded in 2016. It focuses on addressing sleep-related issues for employees, teams, and leaders by offering a range of services designed to enhance sleep quality and manage sleep deprivation. The platform features personalized sleep programs, assessments, and a variety of resources, including exercises, coaching modules, relaxation tools, and consultations. Users benefit from a unique algorithm that tailors advice to their specific situations. Shleep also conducts live webinars and workshops, fostering a cultural change around the importance of sleep in workplace performance. The company serves clients from various sectors, including consultancies, technology firms, and banks, utilizing an online platform, an HR dashboard, and a mobile application to deliver its services.

Knoma Ltd operates an online platform that facilitates loans for educational courses, focusing on bridging the digital skills gap in a rapidly evolving global economy. Established in 2018 and based in London, the platform allows users to access a wide range of online courses, including subjects like cybersecurity and software development. Knoma enables learners to finance their education through flexible monthly payments, allowing them to borrow up to £10,000, which can be repaid over a twelve-month period without any interest or fees. By partnering with leading coding and tech schools, Knoma aims to make lifelong learning more accessible and affordable, thereby supporting individuals in enhancing their technical, digital, and data skills for future career advancement.

sevDesk is a developer of innovative accounting software tailored for small businesses and freelancers. The platform utilizes artificial intelligence to automate various accounting tasks, significantly reducing manual effort and streamlining the overall process. By enabling users to manage documents through a single application, sevDesk supports both single and double bookkeeping, facilitates invoicing and banking, and offers features such as cashbook management and automated profit and loss calculations. This comprehensive approach allows clients to gain real-time insights into their financial status, simplifying their accounting needs while eliminating the necessity for a tax consultant.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Meero, founded in 2016, is an innovative on-demand photography platform that aims to transform the photography industry by alleviating the burdensome tasks that photographers face. The company provides a comprehensive suite of tools that includes market research, invoicing, and post-production services, allowing photographers to focus on their creative work. Meero addresses a critical issue in photography—lengthy post-production times—by utilizing advanced artificial intelligence and machine learning algorithms to expedite photo editing and ensure consistent quality. This enables artists to deliver high-quality images within 24 hours. Meero also fosters a global community of photographers, offering educational masterclasses, inspiring documentaries, and networking opportunities across 35 countries. With a workforce of 800 employees from 49 nationalities and a network of 60,000 photographers, Meero delivers a photoshoot every 25 seconds. The company has established offices in major cities including Paris, New York, and Tokyo, positioning itself as a leader in the evolving landscape of photography.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

Seawise Capital Inc is a trade finance company based in Santa Clara, California, specializing in providing working capital solutions for small and medium-sized enterprises (SMEs) in India. The company focuses on supporting exporters by offering collateral-free capital through the discounting of invoices from international customers. This approach enables businesses to access necessary funds without the need to pledge personal or business assets. Seawise Capital also features an online portal that allows users to upload invoices and receive payments in real time, streamlining the process of managing exports and enhancing trading volumes for SMEs.

SingularCover is an online insurance provider tailored specifically for small businesses, including SMEs and self-employed individuals. The company utilizes data analytics and artificial intelligence to generate personalized insurance policies, ensuring that the coverage meets the unique needs of each client. By streamlining the application process, SingularCover allows users to obtain quotes and set up monthly payment plans with minimal bureaucracy, making it easy to understand and purchase insurance in just a few clicks. This focus on simplicity and efficiency helps businesses save time while securing the necessary protection.

Personio GmbH, established in 2014 and headquartered in Munich, Germany, specializes in providing comprehensive HR management and recruiting software solutions for small and medium-sized businesses with 10 to 2,000 employees. Its all-in-one platform streamlines HR processes by offering features such as digital employee files, time off management, performance tracking, reporting, and onboarding, enabling HR teams to focus on strategic people management.

B2B Food Group is a prominent corporate food management platform headquartered in Berlin, Germany. Established in 2018, the company operates in eight countries and boasts a network of over 3,000 partners. It specializes in providing business clients with a user-friendly online ordering and management system for food procurement. Simultaneously, B2B Food Group equips suppliers with advanced technology solutions to enhance their online presence and facilitate business growth. The platform offers Europe's largest selection of food products and is recognized as the market leader in Australia, making it a key player in the global business food sector.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

Meero, founded in 2016, is an innovative on-demand photography platform that aims to transform the photography industry by alleviating the burdensome tasks that photographers face. The company provides a comprehensive suite of tools that includes market research, invoicing, and post-production services, allowing photographers to focus on their creative work. Meero addresses a critical issue in photography—lengthy post-production times—by utilizing advanced artificial intelligence and machine learning algorithms to expedite photo editing and ensure consistent quality. This enables artists to deliver high-quality images within 24 hours. Meero also fosters a global community of photographers, offering educational masterclasses, inspiring documentaries, and networking opportunities across 35 countries. With a workforce of 800 employees from 49 nationalities and a network of 60,000 photographers, Meero delivers a photoshoot every 25 seconds. The company has established offices in major cities including Paris, New York, and Tokyo, positioning itself as a leader in the evolving landscape of photography.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Meero, founded in 2016, is an innovative on-demand photography platform that aims to transform the photography industry by alleviating the burdensome tasks that photographers face. The company provides a comprehensive suite of tools that includes market research, invoicing, and post-production services, allowing photographers to focus on their creative work. Meero addresses a critical issue in photography—lengthy post-production times—by utilizing advanced artificial intelligence and machine learning algorithms to expedite photo editing and ensure consistent quality. This enables artists to deliver high-quality images within 24 hours. Meero also fosters a global community of photographers, offering educational masterclasses, inspiring documentaries, and networking opportunities across 35 countries. With a workforce of 800 employees from 49 nationalities and a network of 60,000 photographers, Meero delivers a photoshoot every 25 seconds. The company has established offices in major cities including Paris, New York, and Tokyo, positioning itself as a leader in the evolving landscape of photography.

Personio GmbH, established in 2014 and headquartered in Munich, Germany, specializes in providing comprehensive HR management and recruiting software solutions for small and medium-sized businesses with 10 to 2,000 employees. Its all-in-one platform streamlines HR processes by offering features such as digital employee files, time off management, performance tracking, reporting, and onboarding, enabling HR teams to focus on strategic people management.

Meero, founded in 2016, is an innovative on-demand photography platform that aims to transform the photography industry by alleviating the burdensome tasks that photographers face. The company provides a comprehensive suite of tools that includes market research, invoicing, and post-production services, allowing photographers to focus on their creative work. Meero addresses a critical issue in photography—lengthy post-production times—by utilizing advanced artificial intelligence and machine learning algorithms to expedite photo editing and ensure consistent quality. This enables artists to deliver high-quality images within 24 hours. Meero also fosters a global community of photographers, offering educational masterclasses, inspiring documentaries, and networking opportunities across 35 countries. With a workforce of 800 employees from 49 nationalities and a network of 60,000 photographers, Meero delivers a photoshoot every 25 seconds. The company has established offices in major cities including Paris, New York, and Tokyo, positioning itself as a leader in the evolving landscape of photography.

Grover is an online platform that allows consumers to rent a wide variety of tech products through monthly subscriptions. With a catalog of over 3,000 items, Grover offers access to smartphones, laptops, VR gear, wearables, and smart home appliances. The company's business model emphasizes sustainability by refurbishing and re-circulating returned products, thereby extending their lifespan and minimizing electronic waste. By enabling users to rent instead of purchase, Grover provides an affordable alternative for accessing consumer electronics. The company operates in multiple markets, including the United States, Germany, Austria, the Netherlands, and Spain.

Rapidoo is a financial services provider based in São Paulo, Brazil, specializing in invoice factoring for small and medium-sized businesses. Founded in July 2016, Rapidoo offers an online platform that allows companies to anticipate payments on invoices issued in installments. By analyzing and depositing payments for discounted bills, the platform provides a practical and transparent solution for accessing working capital. This service addresses the inefficiencies and high interest rates prevalent in the market, helping businesses improve their cash flow and financial management. By simplifying the invoicing process and providing daily insights into receivables, Rapidoo empowers its clients to enhance sales and maintain positive cash flow.

Innolend GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing financing solutions for small and medium enterprises (SMEs) through its online platform. The company focuses on optimizing cash flow for businesses by offering loans ranging from 5,000 to 250,000 euros. Innolend’s services facilitate quick and transparent access to financing, helping SMEs manage outstanding invoices and bridge financial gaps effectively. The platform emphasizes ease of use, confidentiality, and efficiency in delivering financial support to its clients.