Goodwater Capital

Cambio Money is a financial services platform focused on simplifying and enhancing financial solutions for individuals and businesses. The company offers a range of services, including online payments, transfers, currency exchange, and budgeting tools, aimed at facilitating effective money management. Additionally, Cambio integrates AI-powered technology to assist users in credit recovery, enabling them to manage and improve their credit scores by planning and negotiating collections effectively. With a commitment to financial accessibility and security, Cambio strives to provide users with the tools necessary to save, grow, and manage their finances efficiently.

Nyble helps credit-invisible Canadians access & build credit. Learn more about our mission on https://nyble.com/about

Cheese Financial Inc., located in California, is a fintech company focused on providing credit-building solutions to underbanked communities. The company has developed a financial application that offers digital banking services and debit cards, specifically designed for individuals lacking a credit history or Social Security Number. Through its innovative platform, Cheese enables users to build their credit scores and meet their personal financial needs, promoting financial inclusion and empowering customers to achieve their life goals.

Shelf is a neobank tailored for young professionals in India, addressing the complexities of modern banking and financial management. The platform consolidates various financial services, allowing users to manage their banking, payments, expense tracking, and bill splitting in one application. Recognizing the challenges faced by young professionals, particularly those living away from their hometowns, Shelf aims to simplify financial management, enabling users to effectively control their spending, track their savings, and facilitate borrowing and lending among peers. By providing a streamlined solution, Shelf seeks to alleviate the financial pressures of early professional life and support users in achieving their financial goals.

Cambio Money is a financial services platform focused on simplifying and enhancing financial solutions for individuals and businesses. The company offers a range of services, including online payments, transfers, currency exchange, and budgeting tools, aimed at facilitating effective money management. Additionally, Cambio integrates AI-powered technology to assist users in credit recovery, enabling them to manage and improve their credit scores by planning and negotiating collections effectively. With a commitment to financial accessibility and security, Cambio strives to provide users with the tools necessary to save, grow, and manage their finances efficiently.

Gauss is a financial technology company based in New York City, founded in 2021. It offers a mobile application that helps users manage their credit card debt while building wealth. By monitoring linked credit cards, Gauss automatically pays off high-interest balances, which can save consumers significant amounts in interest payments. This service not only accelerates bill repayment but also aids in improving users' credit ratings. Additionally, Gauss provides low-interest credit lines to refinance costly credit card debt, allowing consumers to transform liabilities into assets with minimal disruption to their financial situations.

Finch is a financial technology company based in Boston, Massachusetts, that provides an innovative online trading platform designed to simplify investing. Founded in 2019, Finch allows users to earn investment returns by automatically investing their cash balances into a diversified portfolio of exchange-traded funds (ETFs) tailored to their individual risk profiles. This unique approach ensures that users’ entire balance is actively working for them from the outset. Additionally, Finch offers instant access to funds, including those that are invested, enhancing liquidity for users. The platform also features a rewards card that enables customers to earn cash back on purchases, which can be automatically reinvested to foster financial growth. Through these services, Finch aims to make investing accessible and straightforward for its users.

Numida Technologies is a digital financial institution based in Kampala, Uganda, founded in 2015. The company specializes in serving micro- and small businesses in East Africa by offering application software that helps these enterprises maintain up-to-date digital financial records. Numida's proprietary credit scoring system enables it to provide unsecured growth and working capital loans to businesses, which not only results in high portfolio yields but also significantly impacts the livelihoods of borrowers. The platform aims to lower risks and costs for lending institutions, leading to improved lending terms for borrowers and fostering a thriving small business sector that creates employment, increases tax revenues, and enhances living standards for entrepreneurs and their staff.

EQL Finance is a fintech lender that specializes in providing an online lending platform for small loans without interest or fees. The company focuses on offering interest-free loans that can be repaid over a few months, making it accessible for working families and individuals. In addition to its lending services, EQL Finance provides training and insights into financial management and purchase behavior, helping users enhance their financial literacy and build credit. This comprehensive approach aims to empower individuals to improve their financial management skills and achieve greater financial stability.

Honest is a company that develops financial products aimed at enhancing the economic experience for consumers. Its flagship offering is a credit card application that features no annual fee, low interest rates on purchases, and rewards points for every transaction. The application is designed to facilitate economical transactions while allowing users to build their credit history and improve their overall financial well-being. By focusing on customer-friendly features, Honest strives to create financial solutions that resonate with users and support their financial goals.

Bling is a Paris-based mobile application founded in 2019 that offers users financial assistance of up to €100 to help them manage their expenses and avoid overdrafts. The app provides features such as anti-overdraft alerts, direct bank balance monitoring, and cash flow predictions, enabling users to maintain better control over their finances. By offering innovative financial solutions, Bling aims to improve users' financial health and provide alternatives to conventional banking practices that often penalize customers for overdrafts.

Zoro Card is a company that specializes in creating money management software designed to facilitate cashless transactions and enhance credit scores. Their platform allows users to pay off debts and loans efficiently, with the added benefit of improving their credit standing over time. This enables users to qualify for low-interest loans more easily. The software includes a debit card feature specifically for managing regular bills, fees, or debt payments, ensuring that users can maintain financial stability while building their credit history.

Gerald is a technology company based in New York that focuses on simplifying the bill payment process for consumers, particularly those living paycheck to paycheck. It offers a user-friendly application that allows individuals to link their household bills, enabling automatic payments to help avoid overdraft and late fees. The platform tracks bill payments and connects to various biller accounts, alleviating the stress of manual payments. In addition to bill management, Gerald provides banking services such as direct deposits, credit building, cash advances, and rewards, aiming to create a seamless user experience. By integrating fintech, payments, and big data, Gerald addresses the financial challenges faced by millions of Americans, promoting timely bill payments and financial empowerment.