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.

LemFi provides multi-currency accounts and a platform for international payments and global account management. The service enables individuals and businesses to hold funds in multiple currencies, manage their finances across borders, and send money internationally with low transfer fees. LemFi supports payments to more than 20 countries and emphasizes seamless, cost-efficient cross-border transactions without monthly subscription charges.

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.

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 that enables businesses to send and receive payments, automate payment procedures, and improve cash flow for small and midsize enterprises. The platform offers revenue-based financing and access to financial metrics and credit options, with a focus on the Latin American market.

Onepilot is a company that specializes in customer support software designed to enhance efficiency for both large corporations and small to medium-sized enterprises (SMEs). Its platform offers a ticketing system that ensures a fast and human response to customer inquiries around the clock. By providing instant and qualified answers, Onepilot enables agents to resolve complex issues swiftly, often in just minutes. The software also features transparent pricing, channel flexibility, integrated tools, and detailed analytics, which help clients address specific business challenges, improve customer experience, and potentially increase sales by up to 20% while reducing average response times by half.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll processes.

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.

Founded in Singapore in 2016, HitPay simplifies payments for growing businesses across Asia Pacific. It offers a unified platform for e-commerce, point-of-sale, and B2B transactions, supporting multiple currencies and payment methods securely.

Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.

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.

Zaapi is a digital commerce software company that provides e-commerce sellers with an integrated platform to manage their online businesses effectively. The company offers tools for building websites, managing inventory, and customizing online stores, enabling sellers to streamline their workflows and activities in one cohesive solution. Zaapi's platform supports sales through various channels, including web and social media, allowing users to manage communications from platforms like Facebook, Instagram, and LINE within a single system. This comprehensive approach ensures that e-commerce sellers can respond to customer inquiries promptly and maintain efficient operations, ultimately facilitating growth in their businesses.

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.

So-Col is a pioneering platform facilitating direct connections between content creators and their fans. It leverages blockchain technology to bridge Web2 identities to Web3, enabling creators to monetize their content and build communities by converting social media posts into non-fungible collectibles.

Bold is a company that operates an application designed to facilitate payments and manage sales reports and transactions, specifically targeting small and medium-sized businesses (SMBs) in Colombia. Founded in 2019 and based in Bogotá, Colombia, Bold aims to simplify financial processes for its clients. In addition to its core financial services, Bold Media, Inc., which was established in 2015 and is based in San Francisco, California, provides an internal blog platform that helps organizations share knowledge and ideas efficiently.

Ankorstore SAS is an online B2B marketplace established in 2019 and headquartered in Paris, France. The platform connects independent shop owners and specialist brands with neighborhood retailers across Europe. Ankorstore enables retailers to discover a diverse range of on-trend brands and products that are typically unavailable on major e-commerce platforms or in large retail chains. Retailers benefit from features such as 60-day payment terms and low minimum order quantities, allowing them to test sales with ease. For brands and designers, Ankorstore facilitates direct sales to stores, enhancing cash flow management through payment upon delivery and streamlined return processes. This marketplace fosters a collaborative environment where both retailers and brands can thrive.

Fuzey provides a comprehensive digital platform for small and medium-sized enterprises (SMEs) and independent contractors. It enables them to manage customer communications across multiple channels, understand customer behavior, schedule appointments directly to calendars, send invoices, receive payments, and enhance customer reviews.

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 facilitates swift and equitable sales of small e-commerce businesses. They focus on acquiring companies with enduring competitive advantages and robust home-grown brands. Their streamlined process aims to deliver funds to sellers within six weeks.

Tino is building a B2B payment network that lets merchants use credit card receivables as credit collateral to access working capital, increasing their purchasing power with suppliers. The platform enables retailers to obtain more credit for supplier purchases without needing to anticipate receivables, helping them manage cash flow and suppliers expand commercial opportunities while keeping default risk under control. Tino aims to streamline the B2B buying and selling relationship by leveraging data to boost transactions between merchants and suppliers. The company was founded in November 2021 by Pedro Sonego de Oliveira and Luis Eduardo Cascão and is headquartered in São Paulo, Brazil.

Nomod is a financial technology company established in 2019 and headquartered in London. It specializes in creating a financial operating system tailored for innovative businesses in emerging markets. Nomod's suite of payment tools and financial services simplifies the management of business transactions, allowing entrepreneurs and startups to efficiently handle their finances. The platform enables users to easily sign up and begin accepting card payments both in-person and online, thereby supporting the growth and development of businesses in these regions.

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.

Savyour is Pakistan's first cashback platform and pay-per-sale affiliate marketing network, launched in August 2020. The application has successfully completed nearly 200,000 orders and boasts over one million users along with partnerships with more than 300 brands, including major names like Daraz and foodpanda. Savyour also accommodates smaller businesses, allowing them to register on the platform without any upfront costs, thereby expanding their reach to a larger audience. Users benefit by earning cashback on their purchases, which is credited as hard cash to their Savyour wallet. This cashback can be redeemed directly into their bank account once a minimum threshold is met. The platform offers users access to exclusive deals across various categories, including restaurants, groceries, beauty, and fashion, making it a versatile shopping tool that encourages consumer engagement and supports the growth of small and medium enterprises.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll processes.

Founded in 2018, MODIFI operates an online platform facilitating global trade financing for small and medium-sized enterprises. It offers liquidity, flexibility, and cash flow management tools to simplify cross-border B2B transactions, enabling businesses to optimize working capital and expand internationally.

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.

Tino is building a B2B payment network that lets merchants use credit card receivables as credit collateral to access working capital, increasing their purchasing power with suppliers. The platform enables retailers to obtain more credit for supplier purchases without needing to anticipate receivables, helping them manage cash flow and suppliers expand commercial opportunities while keeping default risk under control. Tino aims to streamline the B2B buying and selling relationship by leveraging data to boost transactions between merchants and suppliers. The company was founded in November 2021 by Pedro Sonego de Oliveira and Luis Eduardo Cascão and is headquartered in São Paulo, Brazil.

Founded in Singapore in 2016, HitPay simplifies payments for growing businesses across Asia Pacific. It offers a unified platform for e-commerce, point-of-sale, and B2B transactions, supporting multiple currencies and payment methods securely.

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.

Bold is a company that operates an application designed to facilitate payments and manage sales reports and transactions, specifically targeting small and medium-sized businesses (SMBs) in Colombia. Founded in 2019 and based in Bogotá, Colombia, Bold aims to simplify financial processes for its clients. In addition to its core financial services, Bold Media, Inc., which was established in 2015 and is based in San Francisco, California, provides an internal blog platform that helps organizations share knowledge and ideas efficiently.

Opontia facilitates swift and equitable sales of small e-commerce businesses. They focus on acquiring companies with enduring competitive advantages and robust home-grown brands. Their streamlined process aims to deliver funds to sellers within six weeks.

Opontia facilitates swift and equitable sales of small e-commerce businesses. They focus on acquiring companies with enduring competitive advantages and robust home-grown brands. Their streamlined process aims to deliver funds to sellers within six weeks.

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, focused on providing innovative payment and financial solutions tailored for small and medium-sized enterprises (SMEs). The company operates under a Cat 3C Providing Money Services license from the Dubai Financial Services Authority, making it the first licensed Fintech startup in this category in the region. Mamo's flagship offering, Mamo Business, serves as an alternative to traditional banking for SMEs, combining payments, spend management, and analytics into a user-friendly platform. This platform enables businesses to accept payments globally in multiple currencies, manage expenses, and issue virtual cards, thereby streamlining financial operations and enhancing payment success rates. Mamo's diverse customer base includes a variety of sectors, such as B2B services, healthcare, tourism, and retail, making it a crucial partner for businesses looking to optimize their financial processes.

Ankorstore SAS is an online B2B marketplace established in 2019 and headquartered in Paris, France. The platform connects independent shop owners and specialist brands with neighborhood retailers across Europe. Ankorstore enables retailers to discover a diverse range of on-trend brands and products that are typically unavailable on major e-commerce platforms or in large retail chains. Retailers benefit from features such as 60-day payment terms and low minimum order quantities, allowing them to test sales with ease. For brands and designers, Ankorstore facilitates direct sales to stores, enhancing cash flow management through payment upon delivery and streamlined return processes. This marketplace fosters a collaborative environment where both retailers and brands can thrive.

Taster is a food incubator focused on transforming the quick-service food sector for modern consumers. The company collaborates with talented culinary creators to develop and scale distinctive food brands specifically designed for delivery or pickup within its locations. Taster operates a comprehensive digital restaurant platform that partners with renowned food visionaries to craft delivery-only menus that prioritize quality and flavor. Through its innovative franchise network, Taster empowers local entrepreneurs, fostering economic opportunities in various markets while ensuring that restaurant owners can successfully manage digital dining experiences that meet the demands of today's consumers.

InsureQ is an insuretech startup specializing in providing tailored insurance solutions for small and medium-sized enterprises (SMEs), freelancers, and startups. The company aims to simplify the insurance process, making it more accessible and cost-effective for these groups. InsureQ's platform offers a range of commercial insurance products relevant to professional activities, allowing users to obtain customized insurance by answering a few basic questions. The company partners with Hiscox, an established insurer with over 100 years of industry experience, ensuring reliability and stability for its clients.

Onepilot is a company that specializes in customer support software designed to enhance efficiency for both large corporations and small to medium-sized enterprises (SMEs). Its platform offers a ticketing system that ensures a fast and human response to customer inquiries around the clock. By providing instant and qualified answers, Onepilot enables agents to resolve complex issues swiftly, often in just minutes. The software also features transparent pricing, channel flexibility, integrated tools, and detailed analytics, which help clients address specific business challenges, improve customer experience, and potentially increase sales by up to 20% while reducing average response times by half.

Onepilot is a company that specializes in customer support software designed to enhance efficiency for both large corporations and small to medium-sized enterprises (SMEs). Its platform offers a ticketing system that ensures a fast and human response to customer inquiries around the clock. By providing instant and qualified answers, Onepilot enables agents to resolve complex issues swiftly, often in just minutes. The software also features transparent pricing, channel flexibility, integrated tools, and detailed analytics, which help clients address specific business challenges, improve customer experience, and potentially increase sales by up to 20% while reducing average response times by half.

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.

Zaapi is a digital commerce software company that provides e-commerce sellers with an integrated platform to manage their online businesses effectively. The company offers tools for building websites, managing inventory, and customizing online stores, enabling sellers to streamline their workflows and activities in one cohesive solution. Zaapi's platform supports sales through various channels, including web and social media, allowing users to manage communications from platforms like Facebook, Instagram, and LINE within a single system. This comprehensive approach ensures that e-commerce sellers can respond to customer inquiries promptly and maintain efficient operations, ultimately facilitating growth in their businesses.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll 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.

SingularCover offers tailored insurance solutions for small businesses. Utilizing data analytics and AI, it provides personalized quotes and streamlined monthly payment systems, reducing bureaucracy and enabling businesses to obtain suitable online insurance options efficiently.

Mamo is a Fintech startup based in Dubai, UAE, focused on providing innovative payment and financial solutions tailored for small and medium-sized enterprises (SMEs). The company operates under a Cat 3C Providing Money Services license from the Dubai Financial Services Authority, making it the first licensed Fintech startup in this category in the region. Mamo's flagship offering, Mamo Business, serves as an alternative to traditional banking for SMEs, combining payments, spend management, and analytics into a user-friendly platform. This platform enables businesses to accept payments globally in multiple currencies, manage expenses, and issue virtual cards, thereby streamlining financial operations and enhancing payment success rates. Mamo's diverse customer base includes a variety of sectors, such as B2B services, healthcare, tourism, and retail, making it a crucial partner for businesses looking to optimize their financial processes.

Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll processes.

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.

Ankorstore SAS is an online B2B marketplace established in 2019 and headquartered in Paris, France. The platform connects independent shop owners and specialist brands with neighborhood retailers across Europe. Ankorstore enables retailers to discover a diverse range of on-trend brands and products that are typically unavailable on major e-commerce platforms or in large retail chains. Retailers benefit from features such as 60-day payment terms and low minimum order quantities, allowing them to test sales with ease. For brands and designers, Ankorstore facilitates direct sales to stores, enhancing cash flow management through payment upon delivery and streamlined return processes. This marketplace fosters a collaborative environment where both retailers and brands can thrive.

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.

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, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Taster is a food incubator focused on transforming the quick-service food sector for modern consumers. The company collaborates with talented culinary creators to develop and scale distinctive food brands specifically designed for delivery or pickup within its locations. Taster operates a comprehensive digital restaurant platform that partners with renowned food visionaries to craft delivery-only menus that prioritize quality and flavor. Through its innovative franchise network, Taster empowers local entrepreneurs, fostering economic opportunities in various markets while ensuring that restaurant owners can successfully manage digital dining experiences that meet the demands of today's consumers.

Founded in 2018, MODIFI operates an online platform facilitating global trade financing for small and medium-sized enterprises. It offers liquidity, flexibility, and cash flow management tools to simplify cross-border B2B transactions, enabling businesses to optimize working capital and expand internationally.

Seawise Capital Inc is a trade finance company based in Santa Clara, California, specializing in providing financial services to Indian exporters. The company focuses on supporting small and medium-sized enterprises (SMEs) by offering collateral-free working capital against outstanding invoices from international customers. Seawise Capital allows businesses to access necessary funds without the need to pledge personal or business assets, thereby facilitating smoother operations and increased trading volumes. Additionally, the company has developed an online portal that enables exporters to upload invoices and receive payments in real time, enhancing efficiency in managing their exports.

Zen Finance, founded in 2018 and based in Sao Paulo, Brazil, is a fintech company that focuses on enhancing the financial relationships between individuals and businesses. As the first fintech-as-a-service platform in Brazil, Zen Finance designs, customizes, and operates financial products aimed at delivering increased value to its partners, which include major companies such as Uber, iFood, and Dafiti. The company specializes in providing a credit-as-a-service platform, which facilitates access to affordable credit for small and medium-sized enterprises by employing advanced technology risk management systems. This approach allows clients to secure loans with lower interest rates and reduced bureaucratic hurdles, thereby promoting financial inclusion and empowering businesses.

SingularCover offers tailored insurance solutions for small businesses. Utilizing data analytics and AI, it provides personalized quotes and streamlined monthly payment systems, reducing bureaucracy and enabling businesses to obtain suitable online insurance options efficiently.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll processes.

Founded in 2018, MODIFI operates an online platform facilitating global trade financing for small and medium-sized enterprises. It offers liquidity, flexibility, and cash flow management tools to simplify cross-border B2B transactions, enabling businesses to optimize working capital and expand internationally.

Zen Finance, founded in 2018 and based in Sao Paulo, Brazil, is a fintech company that focuses on enhancing the financial relationships between individuals and businesses. As the first fintech-as-a-service platform in Brazil, Zen Finance designs, customizes, and operates financial products aimed at delivering increased value to its partners, which include major companies such as Uber, iFood, and Dafiti. The company specializes in providing a credit-as-a-service platform, which facilitates access to affordable credit for small and medium-sized enterprises by employing advanced technology risk management systems. This approach allows clients to secure loans with lower interest rates and reduced bureaucratic hurdles, thereby promoting financial inclusion and empowering businesses.

Taster is a food incubator focused on transforming the quick-service food sector for modern consumers. The company collaborates with talented culinary creators to develop and scale distinctive food brands specifically designed for delivery or pickup within its locations. Taster operates a comprehensive digital restaurant platform that partners with renowned food visionaries to craft delivery-only menus that prioritize quality and flavor. Through its innovative franchise network, Taster empowers local entrepreneurs, fostering economic opportunities in various markets while ensuring that restaurant owners can successfully manage digital dining experiences that meet the demands of today's consumers.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll processes.

Rapidoo is a financial services company based in São Paulo, Brazil, specializing in providing invoice factoring solutions for small and medium-sized businesses. Founded in July 2016 by Caspar Gerleve, Rapidoo operates an online platform that enables businesses to anticipate payments on invoices issued in installments. By streamlining the process of importing invoices and generating payment slips, Rapidoo offers a practical and transparent alternative to traditional financing methods, which often involve high interest rates and inefficiencies. The platform helps businesses maintain positive cash flow by providing daily insights into expected receivables, ultimately enhancing their financial management and supporting increased sales and overall success.

Innolend GmbH, founded in 2016 and headquartered 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, catering specifically to SMEs with outstanding invoices. Innolend aims to facilitate easy, fast, and transparent access to financial support, helping clients effectively manage their cash flow and bridge the gap between their business needs and customer payments.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

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.

Innolend GmbH, founded in 2016 and headquartered 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, catering specifically to SMEs with outstanding invoices. Innolend aims to facilitate easy, fast, and transparent access to financial support, helping clients effectively manage their cash flow and bridge the gap between their business needs and customer payments.

Iwoca is a London-based provider of small business finance offering unsecured and short-term loans to UK retailers, restaurants, hotels and service providers. The company furnishes financing for working capital, inventory, technology, staff and expansion, with flexible repayment terms from 1 day to 24 months and no penalties for early repayment. Access to funding is available through an online application, enabling businesses to bridge cashflow gaps and pursue growth opportunities. Founded in 2011, Iwoca focuses on helping small businesses manage cash flow and invest in their operations.

Swipii Labs Ltd., established in 2012 and headquartered in Glasgow, UK, operates a customer loyalty and marketing platform tailored for small businesses. The company offers tools to enhance online reviews, attract new customers, and track customer data. Its key services include digital loyalty programs, email marketing, and loyalty technology solutions, enabling customers to collect points and earn rewards. Swipii aims to empower local businesses with technology to compete on par with global brands, helping consumers discover local offers, save money, and share them with their community.

Personio develops an all-in-one HR software for small to medium-sized companies with 10 to 2,000 employees. Its platform streamlines HR management, recruiting, talent management, and payroll processes.

Iwoca is a London-based provider of small business finance offering unsecured and short-term loans to UK retailers, restaurants, hotels and service providers. The company furnishes financing for working capital, inventory, technology, staff and expansion, with flexible repayment terms from 1 day to 24 months and no penalties for early repayment. Access to funding is available through an online application, enabling businesses to bridge cashflow gaps and pursue growth opportunities. Founded in 2011, Iwoca focuses on helping small businesses manage cash flow and invest in their operations.