Next Billion Ventures

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Clivi is a specialized digital clinic focused on improving the treatment of diabetes and obesity. The company offers a comprehensive platform that utilizes artificial intelligence to assist in patient follow-up and management. By providing affordable and accessible healthcare solutions, Clivi enables patients to receive timely treatment through features such as customized messaging plans for glucose monitoring and step-by-step consultations with health specialists. This approach ensures that individuals living with diabetes can access the necessary support and resources for effective disease management.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company focuses on enhancing employee productivity by offering financial empowerment solutions. By providing quick access to funds, Advance Tech Lending helps employees meet their daily financial needs with minimal hassle, charging only a processing fee without any interest. This approach not only facilitates immediate financial relief but also contributes to increased employee engagement, reduced turnover, and lower workplace stress, thereby assisting organizations in attracting and retaining talent.

Caantin AI focuses on enhancing the operational efficiency of restaurants in Africa by providing a comprehensive platform for managing food supply procurement, payments, and short-term credit. The company has developed software that simplifies vendor management and streamlines procurement processes, facilitating easier onboarding and operations for food businesses. By offering tools for supplier payments and inventory financing, Caantin aims to improve customer satisfaction and overall business outcomes for its clients. Additionally, the platform includes features such as payment reminders and systems for collecting payments, which help restaurants manage accounts receivable more effectively. Through these services, Caantin AI seeks to significantly increase the contribution of the restaurant sector to the global economy.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Trinio is a company that specializes in enhancing e-commerce experiences by reducing friction in the payment process and increasing conversion rates. It operates a payment gateway platform that offers a customizable and secure infrastructure designed to facilitate seamless transactions for shoppers and e-commerce platforms. By focusing on fraud prevention and streamlined checkout processes, Trinio aims to improve user satisfaction and bolster the overall efficiency of online shopping.

GajiGesa, founded in 2020 and headquartered in Jakarta, is a fintech company focused on enhancing financial wellness for employees in Indonesia. The company offers a robust financial wellness platform that provides earned wage access, financial education, and management tools designed to improve the financial health of users. By partnering with over 60 employers and serving tens of thousands of employees, GajiGesa aims to alleviate financial stress and reduce reliance on informal lenders. Its innovative app promotes financial independence among workers, particularly those with micro-businesses, and addresses common financial challenges such as health-related expenses. In addition, GajiGesa introduced GajiTim, an employee management application for micro, small, and medium enterprises (MSMEs) that streamlines income tracking and salary calculation, attracting over 50,000 active users since its launch. The company has experienced significant growth and continues to establish itself as a leading financial partner for employers, enhancing employee productivity, engagement, and retention.

Dropezy is Indonesia's first quick commerce company specializing in the rapid delivery of groceries and household essentials. The platform offers a diverse selection of over 2,000 products, allowing customers to shop for their daily needs conveniently through a mobile application. With a commitment to delivering items within 15 minutes, 24/7, Dropezy aims to make this fast delivery service the new standard for convenience in online retail. Additionally, the platform supports flexible payment options, enabling customers to pay for their purchases at a later time, thereby enhancing the shopping experience.

Morada Uno is a technology company focused on enhancing the real estate industry by providing tools and financial products designed for real estate brokers and professionals. The company specializes in offering services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with efficient solutions, Morada Uno enables seamless interactions between property owners and tenants, streamlining transaction processes and helping clients manage their assets effectively.

EmCasa is a real estate platform based in Brazil that aims to simplify the home buying and selling process through advanced technology and a strong emphasis on customer service. The platform offers virtual tours that allow users to explore properties in detail, including wall colors, room sizes, and unique features. By providing data-driven advisory services, EmCasa helps users save time and money while minimizing stress and inefficiencies associated with real estate transactions. The company's approach focuses on making the experience enjoyable and straightforward for clients.

Trella, established in 2018 and headquartered in Cairo, Egypt, operates an online platform facilitating shipping and transportation services. It connects shippers with carriers, offering technology-driven solutions to enhance drivers' efficiency, boost earnings, and create job opportunities. Trella aims to reduce costs for shippers by improving load utilization, introduce transparent pricing structures, and provide real-time shipment tracking along with performance insights.

Arrow creates new, fast, seamless consumer online purchase experiences. Arrow's first product is an instant one-tap checkout solution, works across all platforms, and with local payment methods.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

GajiGesa, founded in 2020 and headquartered in Jakarta, is a fintech company focused on enhancing financial wellness for employees in Indonesia. The company offers a robust financial wellness platform that provides earned wage access, financial education, and management tools designed to improve the financial health of users. By partnering with over 60 employers and serving tens of thousands of employees, GajiGesa aims to alleviate financial stress and reduce reliance on informal lenders. Its innovative app promotes financial independence among workers, particularly those with micro-businesses, and addresses common financial challenges such as health-related expenses. In addition, GajiGesa introduced GajiTim, an employee management application for micro, small, and medium enterprises (MSMEs) that streamlines income tracking and salary calculation, attracting over 50,000 active users since its launch. The company has experienced significant growth and continues to establish itself as a leading financial partner for employers, enhancing employee productivity, engagement, and retention.

Facio is a financial technology company based in Brazil that provides salary-advance services to workers. The company has developed a digital financial platform that integrates seamlessly with employers' systems, allowing employees to access loans directly from their payroll. This innovative approach eliminates intermediary fees, offering credit facilities that are repaid through monthly deductions from employees' salaries. By enabling businesses to offer secure liquidity options, Facio aims to empower the working class with greater financial flexibility and access to funds when needed.

Capiter is a B2B e-commerce marketplace based in Cairo, Egypt, that connects small businesses, vendors, wholesalers, and FMCGs on a single platform. Founded in 2019, the company streamlines the supply chain by allowing merchants to order products online and access on-demand credit facilities. Capiter facilitates immediate payment to suppliers for goods sold to buyers, thereby mitigating collection and credit risks. By leveraging advanced technology and machine learning, it enhances operational efficiency and data accuracy across the supply chain. This approach not only supports small businesses in increasing sales and expanding their customer base but also improves cash flow management.

Capiter is a B2B e-commerce marketplace based in Cairo, Egypt, that connects small businesses, vendors, wholesalers, and FMCGs on a single platform. Founded in 2019, the company streamlines the supply chain by allowing merchants to order products online and access on-demand credit facilities. Capiter facilitates immediate payment to suppliers for goods sold to buyers, thereby mitigating collection and credit risks. By leveraging advanced technology and machine learning, it enhances operational efficiency and data accuracy across the supply chain. This approach not only supports small businesses in increasing sales and expanding their customer base but also improves cash flow management.

EmCasa is a real estate platform based in Brazil that aims to simplify the home buying and selling process through advanced technology and a strong emphasis on customer service. The platform offers virtual tours that allow users to explore properties in detail, including wall colors, room sizes, and unique features. By providing data-driven advisory services, EmCasa helps users save time and money while minimizing stress and inefficiencies associated with real estate transactions. The company's approach focuses on making the experience enjoyable and straightforward for clients.

Propzy is a comprehensive real estate platform in Vietnam that facilitates property sales and leasing transactions. By integrating a marketplace with backend services such as logistics, documentation, and transaction management, Propzy enhances the real estate experience for both consumers and agents. The platform allows for direct communication between property owners and buyers, as well as landlords and renters, utilizing social media to streamline the transaction process. This approach has positioned Propzy to capitalize on the growing demand for real estate transactions in Vietnam, where mobile and internet penetration is rapidly increasing. Founded by entrepreneur John Le, who has a successful track record in technology ventures, Propzy aims to simplify the buying and selling of verified, legally constructed homes in the Vietnamese market. The company has shown significant growth, facilitating substantial property transactions and aiming to capture a share of the potential agency commissions in a market valued at approximately $1 billion.

Advance Tech Lending Inc. is an online salary loans provider based in Makati City, Philippines, founded in 2018. The company focuses on enhancing employee productivity by offering financial empowerment solutions. By providing quick access to funds, Advance Tech Lending helps employees meet their daily financial needs with minimal hassle, charging only a processing fee without any interest. This approach not only facilitates immediate financial relief but also contributes to increased employee engagement, reduced turnover, and lower workplace stress, thereby assisting organizations in attracting and retaining talent.

Jenfi is a financial technology company founded by Jeffrey Liu and Justin Louie, specializing in revenue-based financing for digital-native businesses in Southeast Asia. The company offers a service known as Growth Capital as a Service (GCaaS), which provides non-dilutive capital of up to US$1,000,000 to help businesses scale their marketing, inventory, and growth initiatives. Jenfi utilizes a proprietary risk assessment engine to evaluate both the creditworthiness of businesses and their marketing growth efficiency, ensuring that financing options are flexible and customized to meet the specific needs of each client. The platform has supported hundreds of digital-native companies, including various B2B and SaaS startups. Prior to founding Jenfi, Liu and Louie successfully developed and exited the fitness subscription service GuavaPass.

Sprout Solutions is a provider of payroll and HR software tailored for emerging markets, with a strong foothold in the Philippines and expanding operations in Singapore and Indonesia. The company's platform automates administrative tasks related to HR and payroll, offering a comprehensive online payroll service and a secure cloud-based human resource information system. By replacing traditional methods such as spreadsheets and printed forms with biometrics and single-click processing, Sprout enhances efficiency in timekeeping and attendance. Additionally, its unified system consolidates recruitment operations, enabling businesses to streamline their HR functions and address challenges in payroll and human resource management.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Flat.mx is the one-stop-shop for residential real estate in Mexico that simplifies the home-buying experience. They provide multiple products and services including home brokerage, a marketplace, and credit products.

Trella, established in 2018 and headquartered in Cairo, Egypt, operates an online platform facilitating shipping and transportation services. It connects shippers with carriers, offering technology-driven solutions to enhance drivers' efficiency, boost earnings, and create job opportunities. Trella aims to reduce costs for shippers by improving load utilization, introduce transparent pricing structures, and provide real-time shipment tracking along with performance insights.

Trella, established in 2018 and headquartered in Cairo, Egypt, operates an online platform facilitating shipping and transportation services. It connects shippers with carriers, offering technology-driven solutions to enhance drivers' efficiency, boost earnings, and create job opportunities. Trella aims to reduce costs for shippers by improving load utilization, introduce transparent pricing structures, and provide real-time shipment tracking along with performance insights.

Propzy is a comprehensive real estate platform in Vietnam that facilitates property sales and leasing transactions. By integrating a marketplace with backend services such as logistics, documentation, and transaction management, Propzy enhances the real estate experience for both consumers and agents. The platform allows for direct communication between property owners and buyers, as well as landlords and renters, utilizing social media to streamline the transaction process. This approach has positioned Propzy to capitalize on the growing demand for real estate transactions in Vietnam, where mobile and internet penetration is rapidly increasing. Founded by entrepreneur John Le, who has a successful track record in technology ventures, Propzy aims to simplify the buying and selling of verified, legally constructed homes in the Vietnamese market. The company has shown significant growth, facilitating substantial property transactions and aiming to capture a share of the potential agency commissions in a market valued at approximately $1 billion.

EmCasa is a real estate platform based in Brazil that aims to simplify the home buying and selling process through advanced technology and a strong emphasis on customer service. The platform offers virtual tours that allow users to explore properties in detail, including wall colors, room sizes, and unique features. By providing data-driven advisory services, EmCasa helps users save time and money while minimizing stress and inefficiencies associated with real estate transactions. The company's approach focuses on making the experience enjoyable and straightforward for clients.

Onest offers technology-based products that help customers meet their financial goals.