QED Investors

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

Félix is a chat-based platform that facilitates cross-border payments for Latinos in the United States, allowing them to send money abroad easily. By integrating blockchain technology and artificial intelligence, Félix aims to transform the remittance process, making it more efficient and user-friendly. The platform employs natural language processing to simplify and automate transactions, enabling customers to transfer funds between countries with minimal hassle.

Hydrolix is a data lake platform focused on enhancing the cost efficiency of log data management for organizations dealing with large volumes of information. The company offers a robust solution that addresses challenges in data storage, real-time analytics, and scalability. By utilizing elastic cloud technology, Hydrolix enables high-performance query capabilities for high-volume, high-cardinality data stored in affordable cloud environments. Their platform features high-density compression, scale-to-zero controls, and zero-egress on-prem deployment, significantly lowering costs associated with ingesting, querying, and storing append-only data. This allows clients to execute sub-second interactive queries while maintaining consistent performance, even as data demands grow.

NymCard is a payment processing platform founded in 2016, operating from Abu Dhabi, United Arab Emirates, with a focus on enhancing the digital payment landscape in Africa and the Middle East. The company specializes in providing an issuer processor solution that allows banks and financial institutions to offer innovative digital payment products, including plastic, virtual, and tokenized cards. NymCard's advanced infrastructure and user-friendly mobile wallet solutions facilitate quick account setup and immediate access to smart payment cards, promoting efficient and secure online transactions. By leveraging open APIs and mobile SDKs, NymCard aims to address the low penetration of payment cards in these regions, thereby driving greater participation in the digital economy.

CoverForce is an API platform designed to streamline the quoting, payment, and binding processes for commercial property and casualty insurance. It provides insurance agents and agencies with instant access to a variety of insurance products, including business owner policies, general liability, professional liability, and worker's compensation. By integrating insurance solutions into existing workflows, CoverForce enhances operational efficiency for businesses. The platform supports organizations in effectively managing their insurance needs while ensuring a seamless user experience, making it a valuable tool for sales teams and representatives in the insurance sector.

Swap is a software company that specializes in returns, exchanges, and funding for e-commerce.

Capim is a Brazilian fintech company specializing in "Buy Now, Pay Later" (BNPL) solutions tailored for the dental sector. The company's platform provides essential digital tools that assist dental clinics in managing their operations while enhancing patient access to treatments. By offering point-of-sale BNPL options, Capim enables patients to finance their dental care without relying on traditional credit card installment payments. Additionally, the platform facilitates the creation, sending, and management of invoices, allowing dental professionals to streamline their financial processes and improve patient retention. Through strategic partnerships with clinics and offices, Capim supports dentists in delivering risk-free treatment financing, ultimately benefiting both practitioners and patients.

Shop Circle is a software company that specializes in developing tools specifically for Shopify-based businesses. The company offers a platform designed to enhance customer engagement, improve operational efficiency, and optimize conversion rates. By gathering and analyzing performance data from independent brands within the Shopify ecosystem, Shop Circle provides tailored solutions that empower small businesses to scale effectively. The platform aims to facilitate growth through advanced technologies that support independent brands in creating personalized experiences for consumers, ultimately driving sales and enhancing the overall e-commerce process.

Raenest is a financial technology company that simplifies invoicing and payment processes for startups and freelancers, particularly in Africa. It allows users to send and receive invoices in various currencies, facilitating seamless cross-border transactions. The platform provides tools for automated onboarding, verification, and salary disbursement, enabling businesses to manage payments efficiently. By offering features like virtual cards, Raenest helps companies coordinate payments, ensure compliance, and manage expenses more effectively. Its services support fast and cost-effective money transfers, making it easier for businesses to engage with freelancers, contractors, and vendors globally.

Kanastra operates as a technology-driven back office for alternative investments, focusing on private credit and private equity. The company has developed an asset management platform that addresses inefficiencies in the securitization market. This platform provides a range of services, including bank services, debt issuance, bookkeeping, and distribution. It also supports passive management and mirroring while offering real-time analytics and structured data. By leveraging technology, Kanastra aims to facilitate a seamless investment experience, allowing investors and originators to operate more efficiently and with greater freedom.

Cedar Money is a payment platform that offers transaction, fraud detection, real-time exchange rates, and enabling businesses cashfree.

SkorLife Platforms is a financial wellness company that offers users access to their credit history and credit scores. The platform allows individuals to check their scores for free and provides valuable insights into their financial standing. Additionally, SkorLife equips users with advice, tools, and strategies to enhance their financial lifestyle. The service includes features that help users track the status of their installments, loans, and credit cards, ultimately empowering them to make informed financial decisions and improve their credit scores.

Carecode system combines powerful Generative AI models with continuous learning mechanisms, enabling natural and autonomous interactions that adapt to complicated environments without the need for human intervention.

Habitto is a fintech platform focused on alleviating financial anxiety by helping customers cultivate good money habits. It offers a mobile application that provides financial advice and insights tailored to the Japanese market. Through its user-friendly interface, Habitto facilitates digital onboarding and eKYC, allowing users to easily access and manage their finances. The platform features a variety of investment and insurance products, empowering customers to achieve their financial goals while ensuring they have the necessary coverage. By delivering personalized advice and a convenient experience, Habitto aims to enhance users' financial wellbeing.

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.

Wildfire Systems offers a white-label platform that enables businesses to implement shopping rewards and cashback programs. The platform features customizable tools for integrating rewards into customer journeys, enhancing loyalty and revenue. It ensures compliance with security standards while providing access to a vast network of merchants for cashback and coupon offers.

Plumery operates a digital engagement platform designed to assist banks in delivering enhanced mobile and web experiences for their customers. The company focuses on developing and maintaining advanced features and functionalities that leverage the latest technology and innovations. By facilitating the implementation of these digital solutions, Plumery aims to help banks of all sizes accelerate their digital initiatives and establish a strong foundation for future success.

Airship offers a comprehensive range of software tools and financial products designed for owner-operators in the home services industry, particularly HVAC technicians. The company aims to empower these entrepreneurs by streamlining operations, improving customer engagement, and supporting business growth. Through innovative solutions, Airship enables home service providers to manage workflows more efficiently and access essential financial resources, allowing them to scale their businesses effectively.

Noodle is a financial platform designed to support the entertainment industry by facilitating financial transactions for creators and businesses. It offers digital accounts and a streamlined financial exchange system that allows for one-tap global payouts, simplifying payments to creators and suppliers. Noodle also provides advance payments of up to a year, enabling content creators, social media influencers, and publishers to manage their finances more effectively. By enhancing the financial operations of its users, Noodle aims to save time and effort, allowing artists and companies to focus on their creative and business endeavors.

Finkargo is a financial services company based in Bogota, Colombia, that focuses on providing trade financing solutions for small and medium-sized enterprises (SMEs) in Latin America. Founded in 2021, Finkargo aims to accelerate international trade operations by offering an import financing platform that integrates automated credit scoring and access to necessary capital. The company enables SMEs to enhance their sales and manage logistics more effectively by providing logistical and technological support, as well as fair pricing aligned with the needs of these businesses.

XP Health is a health tech startup founded in 2019 by Antonio Moraes and James Wong, specializing in an AI-powered vision benefits platform. The platform is designed to enhance vision care for employees and their families by offering a virtual-first approach that integrates seamlessly with existing vision insurance plans. Utilizing advanced machine learning and facial recognition technology, XP Health recommends eyewear frames from leading designers such as Tom Ford and Ray-Ban with high accuracy. The service includes features like online vision acuity tests, prescription renewals, and access to in-person eye exams, ensuring comprehensive vision care at reduced costs. XP Health collaborates with companies like Chegg, Zenefits, and Sequoia Consulting Group to provide these innovative benefits, striving to improve the overall accessibility and quality of vision care.

FlapKap offers a revenue-based financing solution specifically for e-commerce and SaaS businesses, facilitating their growth through immediate funding for inventory and digital advertising. The company focuses on consumer-facing industries such as retail and restaurants, providing flexible repayment terms that align with business revenue. FlapKap evaluates businesses through various platforms, including e-commerce systems, advertising channels, online reviews, payment gateways, point-of-sale systems, and Enterprise Resource Planning (ERP) solutions. Additionally, FlapKap's platform leverages AI to track and optimize digital media spending, helping companies gain insights into their advertising expenditures and eliminate hidden costs. This comprehensive approach enables businesses to enhance their financial strategies and maximize their growth potential.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

GovPort is a developer of a centralized platform that enhances collaboration and management between prime contractors and subcontractors in the federal government contracting sector. The company specializes in subcontractor management software, providing essential tools for communication, task management, and risk reduction. By offering features such as centralized alerts and secure communication channels, GovPort enables contractors and subcontractors to remain aligned and operate efficiently. Its focus on facilitating partnerships within the GovTech space positions GovPort as a valuable resource for those engaged in government contracting.

Payabli is a payment infrastructure and monetization platform designed for software companies, emphasizing that these businesses should integrate payments into their core operations. Founded by industry veterans with extensive experience in payments technology and software as a service (SaaS), Payabli provides developer-friendly solutions for both payment acceptance and issuance. Its platform includes features such as payment gateways, accounts payable, vendor management, and payment reconciliation, which help clients streamline their payment processes. By enabling companies to enhance customer lifetime value and drive revenue, Payabli aims to simplify the complexities of payment operations and deliver a superior experience for both merchants and their customers.

Jupiter is a digital banking app with one simple aim – to deliver a banking experience that keeps pace with you. We help you cut through the banking jargon, offer smart insights based on your spending, and provide you with a range of new-age features to enable you to make sense of your finances.

Amparo is a developer of an emotional well-being platform that assists families in navigating the operational, financial, and emotional challenges that arise after the loss of a loved one. The platform simplifies the coordination of care, relationships, and transactions, offering essential support during these difficult times. By providing a comprehensive approach to managing the aftermath of a loss, Amparo aims to ease the burdens faced by individuals and families, ensuring they receive the necessary guidance and resources to cope with their grief.

Kanastra operates as a technology-driven back office for alternative investments, focusing on private credit and private equity. The company has developed an asset management platform that addresses inefficiencies in the securitization market. This platform provides a range of services, including bank services, debt issuance, bookkeeping, and distribution. It also supports passive management and mirroring while offering real-time analytics and structured data. By leveraging technology, Kanastra aims to facilitate a seamless investment experience, allowing investors and originators to operate more efficiently and with greater freedom.

International Payments Identity(IPiD) is a international payments addressing platform that provide solutions to validate bank account of the payee and fetch his banking information by mapping proxies with bank account details.

Cloover specializes in providing embedded financial services and software solutions tailored for the renewable energy sector. The company partners with professionals in sustainable home improvements to facilitate affordable and streamlined upgrades through flexible payment options. Its technology platform allows partners to leverage data and finance, enhancing the overall value chain and improving the customer experience. By offering a plug-and-play system, Cloover enables vendors of renewable technologies to simplify their sales processes and increase revenue, ultimately promoting subscription-based services. The company's mission is to support individuals and professionals in their pursuit of a more sustainable lifestyle through innovative financial and technological solutions.

Footprint is a developer of an identity verification platform designed to enhance how companies gather and manage user information. The platform offers tools for verifying, authenticating, and securing identities efficiently and cost-effectively. With features such as one-click Know Your Customer (KYC) processes and a secure data vault, Footprint simplifies user onboarding and allows businesses to manage sensitive data without friction. By enabling the creation of a shared knowledge database of bad actors, Footprint supports clients in expanding their user base while empowering consumers to maintain control over their personal information.

Kudos offers an AI-powered smart wallet service designed to optimize consumer rewards and benefits during purchases. The service tracks credit card rewards and analyzes data across various cards and online merchants. When consumers are ready to check out, the smart assistant identifies the most advantageous card to use, highlighting potential rewards and benefits for that specific transaction. This functionality enables users to efficiently manage their credit cards and make informed decisions about which card to utilize for maximum benefit.

Worky is a company that specializes in employee-centric human resource software, aimed at transforming HR management for small and medium enterprises. The platform facilitates improved communication between firms and their employees while enhancing employees' financial well-being. Worky's software automates various HR activities and benefits, ensuring accurate payroll calculations without errors. It enhances data security and allows clients to streamline their HR processes on a single platform, thus simplifying management tasks and improving overall efficiency in human resource operations.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

MakersHub is an accounts payable solution tailored for businesses that prioritize accurate bill data management. The platform is designed to eliminate manual data entry, significantly enhancing accuracy and efficiency in financial operations. By automating the capture and processing of bill data, MakersHub reduces the time spent on accounts payable tasks by over 75%. It features flexible approval workflows that streamline the approval process, eliminate bottlenecks, and provide full visibility and control over payables. Users can easily create new items, vendors, and jobs with a single click, set auto-mapping rules for expense coding, and track approval thresholds with multiple approvers. This comprehensive approach allows businesses to manage their accounts payable more effectively, ensuring that data is utilized meaningfully within their accounting systems.

Efficient Capital Labs is a provider of capital services specifically tailored for B2B SaaS businesses that have a significant operational presence in India while generating revenue primarily from the US and other leading markets. The company focuses on offering non-dilutive capital financing, acting as a direct lender to streamline the underwriting process. This approach allows Efficient Capital Labs to deliver transparent and clear product terms, enabling businesses to achieve their financing goals effectively. By facilitating fast, seamless, and cost-effective access to capital, the company positions itself as a modern solution for SaaS businesses seeking to grow without compromising equity.

Swap is a software company that specializes in returns, exchanges, and funding for e-commerce.

Vixtra is a payment method and credit provider focused on assisting Latin American importers in purchasing goods from international suppliers. The company specializes in simplifying international transactions through its payment gateway platform, which enables instant payments and bank account verification. Vixtra facilitates transactions via multiple methods, including credit and debit cards, allowing businesses to make bulk outbound payments to multinational suppliers efficiently. By streamlining the payment process, Vixtra addresses the unique challenges faced by importers in the region.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

Hello Alice is a FinTech platform established in 2017 by Carolyn Rodz and Elizabeth Gore, headquartered in Houston, Texas. The platform is designed to support small business owners by providing access to credit, loans, grants, and business planning services. It connects entrepreneurs of all backgrounds—regardless of gender, ethnicity, geography, or stage of growth—with the necessary programs, networks, and opportunities for success. Through its innovative use of machine learning, Hello Alice curates mentorship, events, tools, and resources tailored to the specific needs of each business. The company collaborates with enterprise business services, government agencies, and institutions to enhance support for small and medium enterprises, ultimately aiming to drive increased revenues for its users.

Fermat Commerce operates an influencer-driven e-commerce platform designed to enhance brand sales and provide a seamless shopping experience for end-users. The platform enables content creators to embed brand-direct shopping features on their websites, allowing customers to purchase products without leaving the creators' content. By offering e-commerce enablement software, Fermat Commerce supports both merchants and content creators in building and managing their online stores, thereby facilitating a direct connection between brands and consumers within a creator's online environment.

RemoFirst is a global payroll and international HR platform that facilitates compliant employment of talent from over 180 countries. Acting as an Employer of Record (EOR), it enables businesses to hire remote employees without the need for local entities. The platform streamlines the hiring process by offering features such as team hour calculations, management of time off, holidays, bonuses, and benefits like health insurance. With pricing models starting at $199 per month for full-time international employees and $25 per month for contractors, RemoFirst provides a straightforward solution for companies looking to expand their workforce globally while ensuring compliance with local regulations.

Mission Lane LLC is a fintech company focused on providing credit card services to subprime consumers. Founded in 2018 and headquartered in Atlanta, Georgia, with additional offices in several U.S. states and Canada, Mission Lane utilizes advanced technology, data analytics, and machine learning to enhance its offerings. The company provides digital self-service tools that help customers manage their accounts and work towards improving their credit scores. By prioritizing transparency and user-friendly terms, Mission Lane aims to deliver a dignified customer experience, making it easier for individuals to access fair credit options and rebuild their financial lives.

Aghanim is a technology company that provides a comprehensive platform for mobile game developers. This platform integrates commerce, live operations automation, community engagement, and payment processing. It enables game developers to create web-based game hubs, offering personalized offers and meta-gaming experiences like news, leaderboards, and rewards to their player communities.

Upswing Financial Technologies is a developer of a financial technology platform that facilitates the integration of financial products through an open finance ecosystem. The company focuses on providing differentiated fintech solutions and empowers financial institutions with secure business processes and compliance. By enabling consumer companies to connect directly with banks, Upswing Financial Technologies allows them to offer a range of financial services to their customers, enhancing accessibility and efficiency in the financial sector.

Carmoola is an online financial lending platform that transforms the car financing experience by offering a straightforward and efficient way to pay for vehicles. Through its user-friendly app, customers can access car loans and financing options with low-interest rates and favorable terms, allowing them to spread the cost of their purchases into manageable payments. The platform emphasizes transparency by eliminating hidden fees and broker commissions, providing a hassle-free alternative to traditional financing methods. Additionally, Carmoola offers 24/7 support without the inconvenience of call centers, ensuring that customers can manage their finances effortlessly and take control of their car buying experience.

Zubale is a business management platform that connects retailers with independent gig workers to enhance e-commerce operations. By facilitating a marketplace for gig workers, Zubale enables retailers to efficiently manage various digital tasks, improving operational metrics such as fill rates and customer satisfaction. The company has completed over 3 million jobs across 90 cities and 16,800 stores, primarily in Mexico, Colombia, and Costa Rica, with plans to expand further across Latin America. Founded by Allison Campbell and Sebastian Monroy, who possess extensive experience in retail from their backgrounds at Walmart and P&G, Zubale aims to streamline business productivity and extend market reach for its clients through innovative technical integrations.

Summer offers comprehensive property management services focused on vacation homes. The company operates a homeownership platform designed to assist clients in purchasing second homes and renting them out. By combining a rent-to-own program with short-term rental options, Summer aims to lower both the initial investment and ongoing costs associated with owning a second home. This approach simplifies the process, minimizing bureaucratic hurdles and allowing users to either move into ready-to-live-in homes or select their preferred second home.

Jugyah is a technology company focused on transforming the home rental experience for urban Indians. By leveraging a fintech-powered business model, Jugyah aims to redefine the long-term rental market, creating an environment where both renters and property owners feel a sense of belonging. The company's digital platform offers a streamlined rental process with low brokerage options and flexible living services, catering to the diverse needs of renters. Backed by prominent real estate developers and leading investors, Jugyah is currently in its beta phase, working to deliver exceptional rental experiences to its users.

Finkargo is a financial services company based in Bogota, Colombia, that focuses on providing trade financing solutions for small and medium-sized enterprises (SMEs) in Latin America. Founded in 2021, Finkargo aims to accelerate international trade operations by offering an import financing platform that integrates automated credit scoring and access to necessary capital. The company enables SMEs to enhance their sales and manage logistics more effectively by providing logistical and technological support, as well as fair pricing aligned with the needs of these businesses.

Blackbird Labs is a web3 hospitality technology platform founded in 2022 by Ben Leventhal and based in New York, United States. The company focuses on directly connecting restaurants with their customers through loyalty and membership services. By leveraging innovative software solutions, Blackbird Labs aims to enhance the dining experience, facilitating meaningful and ongoing interactions between restaurants and their guests. The platform is designed to transform how hospitality businesses engage with their clientele, ultimately elevating customer satisfaction and loyalty.

Revio was founded in 2020 to help businesses collect more revenue, through reducing payment failures and recovering lost revenue. Through a single API, we optimise merchants’ payment stacks with locally-optimised payment methods and smart payment routing, failover, and retries. We understand that there is more to getting paid than accepting payments, and believe that how you engage customers when trying to collect a failed payment is as important as when you are trying to acquire them. Our Recovery solution builds on this insight, empowering businesses with data-driven omnichannel interaction workflows to recover at-risk revenue from their customers. Today, we’re helping some of Africa's largest brands and fastest-growing startups increase their revenue through increased payment success rates, customer retention, and lifetime value. Locally grounded but globally relevant, we aim to be the go-to revenue recovery and growth partner for businesses across emerging markets.

Mottu is a motorcycle rental startup that focuses on supporting gig workers in the logistics and food delivery sectors. By providing access to motorcycles without the need for a guarantor, Mottu facilitates opportunities for individuals to improve their livelihoods through delivery services. The company also offers a logistics platform that manages maintenance services, ensuring that the motorcycles remain in good condition for users. Mottu aims to become a leading solution for those engaged in delivery work, addressing the needs of an underserved market.

Kin Insurance, Inc. is a digital insurance agency specializing in homeowners insurance and related products, including mobile home, condo, flood, manufactured home, landlord, umbrella, hurricane, wildfire, and second home insurance. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, Kin Insurance operates payment processing offices in Palatine and Chicago. By eliminating external agents, Kin Insurance offers a direct-to-consumer model that enhances the convenience and affordability of homeowners insurance. The company's technology platform provides a seamless user experience, personalized coverage options, and efficient claims processing. Kin leverages extensive property data to deliver precise pricing and improve underwriting outcomes.

Shop Circle is a software company that specializes in developing tools specifically for Shopify-based businesses. The company offers a platform designed to enhance customer engagement, improve operational efficiency, and optimize conversion rates. By gathering and analyzing performance data from independent brands within the Shopify ecosystem, Shop Circle provides tailored solutions that empower small businesses to scale effectively. The platform aims to facilitate growth through advanced technologies that support independent brands in creating personalized experiences for consumers, ultimately driving sales and enhancing the overall e-commerce process.

Cobre is a corporate treasury platform that allows companies to centralize, digitize and automate their payments processes. Our technology helps finance teams and CFOs claim back their time to focus on what really matters: growing their business. We’re committed to creating a frictionless payment process for companies; from cash-in to cash-out, allowing businesses to move money in real time, connect their bank accounts to a central treasury hub, and consolidate a single source for real-time data and reconciliation. Cobre began operations in 2020 and currently serves companies in Colombia and Mexico

Teamshares Inc. is an employee ownership platform based in Brooklyn, New York, that focuses on facilitating the transition of small businesses to employee ownership. Established in 2019, the company aims to create new wealth for employees through stock ownership, targeting the acquisition of traditional small businesses from retiring owners. Teamshares strives to make these businesses 80% employee-owned within 20 years, while ensuring they maintain their independence and work culture. The company provides new leadership, financial education, equity management software, and various financial products to support these transitions. With 84 companies acquired to date, Teamshares has established itself as a leader in the small business employee ownership market, helping to secure the legacies of entrepreneurs while enhancing the financial well-being of their employees.

Loft is a residential real estate transactional marketplace based in São Paulo, Brazil, founded in 2018 by experienced entrepreneurs. As Brazil's first platform of its kind, Loft facilitates the buying and selling of properties for individuals, brokers, and publicly listed REITs managed by the company. The platform offers a searchable database that allows users to find, browse, and evaluate properties based on customer feedback and reviews. By utilizing proprietary transaction data and an end-to-end digital workflow, Loft modernizes the homebuying experience in Brazil, integrating various adjacent services to enhance the overall process for buyers and sellers.

40seas is a fintech company that offers a digital trade financing solution aimed at enhancing the global supply chain. By leveraging artificial intelligence and data-driven technology, the platform provides flexible B2B payment options that challenge traditional trade financing methods. This innovation facilitates cost-effective and accessible working capital for various stakeholders in the supply chain, including importers, exporters, freight forwarders, and sourcing agencies. The platform enables fast credit approvals and flexible financing, which helps improve cash flow, expand supplier networks, digitize purchasing processes, reduce trade risks, and ultimately increase sales, thereby simplifying the import and export activities for businesses.

Remedial Health operates as a wholesale distributor of medicine, catering to the vast network of approximately one million pharmacies and hospitals across Africa. The company addresses the prevalent inefficiencies in the healthcare supply chain, where providers often depend on open-air markets to acquire pharmaceuticals, leading to risks of counterfeit products. By offering a pharmacy operations and procurement management platform, Remedial Health enhances business-to-business access to medications. This platform incorporates technology that simplifies the ordering process and facilitates direct access to retail medicines from manufacturers or distributors, thereby improving workflow management and ensuring a more reliable supply of genuine medications for healthcare providers.

Project B provides Operations System for Employee Financial Data.

Efficient Capital Labs is a provider of capital services specifically tailored for B2B SaaS businesses that have a significant operational presence in India while generating revenue primarily from the US and other leading markets. The company focuses on offering non-dilutive capital financing, acting as a direct lender to streamline the underwriting process. This approach allows Efficient Capital Labs to deliver transparent and clear product terms, enabling businesses to achieve their financing goals effectively. By facilitating fast, seamless, and cost-effective access to capital, the company positions itself as a modern solution for SaaS businesses seeking to grow without compromising equity.

Collective operates as an online back-office platform designed for self-employed people. Its technology and a team of trusted advisors give its members the freedom to focus on what matters by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a community all in one platform.

Nuvocargo, Inc. is a digital platform specializing in cross-border trade between the United States and Mexico. Founded in 2017 and based in New York, the company offers an integrated suite of services, including customs brokerage, freight forwarding, cargo insurance, and supply chain financing. Nuvocargo distinguishes itself by providing standardized and transparent quotes through its network of carriers, along with a cloud-based dashboard that enables real-time cargo tracking, shipment status updates, and customs clearance management. The company aims to modernize the largely untapped $2 trillion logistics market, enhancing visibility and efficiency for shippers. With a bilingual team that bridges technology and logistics across the Americas, Nuvocargo has reported significant revenue growth since its inception, reflecting its unique position in the industry.

Crux is the capital markets technology company changing the way clean energy and manufacturing projects are financed in the U.S. Crux’s platform, market intelligence, and expert team help developers and manufacturers raise capital through all stages of project development and operation. The company’s first offering is the leading platform for tax credit transfers. Since its launch in 2023, Crux has raised more than $27 million in funding from venture capital and strategic investors. Crux’s world-class team brings together expertise from energy, tax, finance, government, and technology to power an abundant, resilient, and secure energy future. For more information, visit https://www.cruxclimate.com/.

Kanastra operates as a technology-driven back office for alternative investments, focusing on private credit and private equity. The company has developed an asset management platform that addresses inefficiencies in the securitization market. This platform provides a range of services, including bank services, debt issuance, bookkeeping, and distribution. It also supports passive management and mirroring while offering real-time analytics and structured data. By leveraging technology, Kanastra aims to facilitate a seamless investment experience, allowing investors and originators to operate more efficiently and with greater freedom.

SkorLife Platforms is a financial wellness company that offers users access to their credit history and credit scores. The platform allows individuals to check their scores for free and provides valuable insights into their financial standing. Additionally, SkorLife equips users with advice, tools, and strategies to enhance their financial lifestyle. The service includes features that help users track the status of their installments, loans, and credit cards, ultimately empowering them to make informed financial decisions and improve their credit scores.

Badge is a company focused on helping businesses create dynamic experiences within Apple and Google wallets. Operating in stealth mode, Badge is currently in private beta, receiving support from QED and Infinity Ventures. The firm aims to innovate the way businesses engage with customers through digital wallet technologies.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

Proper Technologies, Inc. is a company that specializes in providing automated accounting and bookkeeping services tailored for the property industry. Founded in 2017 and based in San Francisco, California, Proper employs artificial intelligence and machine learning to enhance its offerings. The company serves property managers, property owners, and asset managers, enabling them to grow their portfolios while minimizing operational constraints. Proper's software streamlines accounting tasks, allowing accountants to focus on more strategic activities by ensuring accurate and efficient recording and classification of financial transactions. Through its innovative technology, Proper aims to deliver reliable and cost-effective accounting solutions for its clients in the property sector.

Kin Insurance, Inc. is a digital insurance agency specializing in homeowners insurance and related products, including mobile home, condo, flood, manufactured home, landlord, umbrella, hurricane, wildfire, and second home insurance. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, Kin Insurance operates payment processing offices in Palatine and Chicago. By eliminating external agents, Kin Insurance offers a direct-to-consumer model that enhances the convenience and affordability of homeowners insurance. The company's technology platform provides a seamless user experience, personalized coverage options, and efficient claims processing. Kin leverages extensive property data to deliver precise pricing and improve underwriting outcomes.

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, founded in 2019. The company develops applications aimed at enhancing employees' financial health by providing them with on-demand access to their earned wages. Rain's platform integrates with existing payroll systems, allowing employees to withdraw portions of their earned wages at any time, rather than waiting for the traditional payday. This service is offered as a voluntary benefit at no cost to employers. The Rain Instant Pay app not only facilitates wage access but also includes features such as overdraft protection through a checking account option, notifications for upcoming bills, and various budgeting and saving tools. By providing an alternative source for cash, Rain helps businesses support their employees in managing finances more effectively and avoiding reliance on payday loans.

Finch is a software company based in Mountain View, California, founded in 2020. It specializes in providing a single integration platform that allows users to access payroll, HR, and benefits data across over 200 systems. By offering a compliant and secure connection to various applications, Finch enables administrators to integrate their organizations' data seamlessly. The company's software facilitates access to critical employee information and financial flows, supporting a range of applications in lending, insurance, benefits, financial planning, and HR. Finch aims to create an interconnected employment ecosystem, empowering developers and innovators to leverage previously closed systems and enhance data accessibility in the employment sector.

Carmoola is an online financial lending platform that transforms the car financing experience by offering a straightforward and efficient way to pay for vehicles. Through its user-friendly app, customers can access car loans and financing options with low-interest rates and favorable terms, allowing them to spread the cost of their purchases into manageable payments. The platform emphasizes transparency by eliminating hidden fees and broker commissions, providing a hassle-free alternative to traditional financing methods. Additionally, Carmoola offers 24/7 support without the inconvenience of call centers, ensuring that customers can manage their finances effortlessly and take control of their car buying experience.

Carmoola is an online financial lending platform that transforms the car financing experience by offering a straightforward and efficient way to pay for vehicles. Through its user-friendly app, customers can access car loans and financing options with low-interest rates and favorable terms, allowing them to spread the cost of their purchases into manageable payments. The platform emphasizes transparency by eliminating hidden fees and broker commissions, providing a hassle-free alternative to traditional financing methods. Additionally, Carmoola offers 24/7 support without the inconvenience of call centers, ensuring that customers can manage their finances effortlessly and take control of their car buying experience.

GovPort is a developer of a centralized platform that enhances collaboration and management between prime contractors and subcontractors in the federal government contracting sector. The company specializes in subcontractor management software, providing essential tools for communication, task management, and risk reduction. By offering features such as centralized alerts and secure communication channels, GovPort enables contractors and subcontractors to remain aligned and operate efficiently. Its focus on facilitating partnerships within the GovTech space positions GovPort as a valuable resource for those engaged in government contracting.

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.

Freemodel specializes in pre-home renovation services designed to assist real estate agents in buying and selling properties. The company manages the entire renovation process, which includes selecting materials and colors, preparing construction documentation, creating build schematics, and developing dynamic visualizations and permit plans. By streamlining these services, Freemodel aims to maximize the sale price of homes while minimizing complexity and capital requirements for clients involved in property remodeling and pre-sales preparations.

QuickNode is a blockchain development platform founded in Miami in 2017, aimed at facilitating the growth of blockchain ecosystems. It offers robust application programming interface products that enable developers and businesses to create, test, and scale decentralized applications efficiently. By providing accessible core infrastructure and reliable support, QuickNode helps users execute their Web3 initiatives and streamline their development processes. The platform's tools and resources are designed to simplify the complexities associated with building on blockchain technology, making it easier for developers to realize their innovative ideas.

Kanastra operates as a technology-driven back office for alternative investments, focusing on private credit and private equity. The company has developed an asset management platform that addresses inefficiencies in the securitization market. This platform provides a range of services, including bank services, debt issuance, bookkeeping, and distribution. It also supports passive management and mirroring while offering real-time analytics and structured data. By leveraging technology, Kanastra aims to facilitate a seamless investment experience, allowing investors and originators to operate more efficiently and with greater freedom.

Power is a platform that provides financial services to employees and gig workers across sub-Saharan Africa. They enable individuals to access earned wages, loans, insurance, payments, and savings so they can live with dignity, reduce financial-related stress, and take control of their financial well-being.

Rest Less is a social impact business dedicated to supporting individuals over 50 in maximizing their life experiences. With over 1 million registered members, the platform serves as a digital community that provides valuable resources on various topics such as health, wealth, work, learning, and lifestyle. Recognizing that today's over 50s are more digitally engaged and healthier than previous generations, Rest Less aims to address the challenges faced during this transitional stage of life. By offering guidance and information, the company empowers its members to explore new opportunities, enhance their social connections, and ultimately enrich their quality of life.

Lastro is an innovative company leveraging artificial intelligence to transform business operations, particularly within the real estate sector. Its primary offering, Lais, serves as an AI-powered assistant for real estate brokerages, enhancing customer engagement by instantly responding to leads, searching for properties, and addressing common inquiries. This tool has proven effective, leading to significant growth for brokerages, with reported increases of up to 60% in lead conversion rates. Additionally, Lastro provides a comprehensive real estate management platform that consolidates essential functions for landlords managing rental portfolios. This platform simplifies tasks through integrated payment systems, automates rent collection, organizes lease contracts in a cloud-based environment, and facilitates the monitoring of tenant obligations. By streamlining these processes, Lastro enables landlords to efficiently manage their contracts and rentals, thereby improving overall operational effectiveness.

Pylon is a New York-based company that offers a mortgage-lending-as-a-service platform designed to streamline the mortgage process. The platform enables users to originate, underwrite, process, fund, and close loans through an integrated digital experience. By utilizing APIs and pre-built user interface components, Pylon provides customizable infrastructure that allows developers to seamlessly incorporate mortgage lending into their products. This approach enhances the customer experience by delivering a modern, efficient solution for managing all aspects of mortgage origination from application to closing.

Pashouses offers a fast and convenient platform for buying and selling houses that is also safe and dependable. Pashouses provide a comprehensive service or "one-stop shop" where marketing services, offers, buying and selling transactions, and everything else is handled, including applying for Home Ownership Loans (KPR). Pashouses collaborates with a number of legal banking institutions. The company was founded in 2020 and is based in Indonesia.

Mattilda is a Mexican company focused on addressing financial challenges faced by schools in Mexico and Latin America. It offers a finance management platform that aims to streamline financial operations for both parents and private educational institutions. The platform enables schools to advance tuition fees, ensuring predictable cash flow and minimizing delays in payments. Additionally, it provides various payment methods for parents, allowing them to manage their finances more efficiently. Through automated collection management products and access to medium and long-term credits, Mattilda supports schools in maintaining their focus on delivering high-quality education while resolving their financial issues.

Vixtra is a payment method and credit provider focused on assisting Latin American importers in purchasing goods from international suppliers. The company specializes in simplifying international transactions through its payment gateway platform, which enables instant payments and bank account verification. Vixtra facilitates transactions via multiple methods, including credit and debit cards, allowing businesses to make bulk outbound payments to multinational suppliers efficiently. By streamlining the payment process, Vixtra addresses the unique challenges faced by importers in the region.

Kudos offers an AI-powered smart wallet service designed to optimize consumer rewards and benefits during purchases. The service tracks credit card rewards and analyzes data across various cards and online merchants. When consumers are ready to check out, the smart assistant identifies the most advantageous card to use, highlighting potential rewards and benefits for that specific transaction. This functionality enables users to efficiently manage their credit cards and make informed decisions about which card to utilize for maximum benefit.

Ntropy is a developer of enterprise software that focuses on automating data categorization to enhance customer understanding through financial transactions. The company's technology leverages open banking and transaction data to evaluate borrower risk, transforming raw information into precise categories and labels. This capability allows clients to effectively detect fraud while maintaining a seamless user experience. By streamlining the data processing and categorization, Ntropy enables organizations to implement models efficiently and at a reduced cost.

FlapKap offers a revenue-based financing solution specifically for e-commerce and SaaS businesses, facilitating their growth through immediate funding for inventory and digital advertising. The company focuses on consumer-facing industries such as retail and restaurants, providing flexible repayment terms that align with business revenue. FlapKap evaluates businesses through various platforms, including e-commerce systems, advertising channels, online reviews, payment gateways, point-of-sale systems, and Enterprise Resource Planning (ERP) solutions. Additionally, FlapKap's platform leverages AI to track and optimize digital media spending, helping companies gain insights into their advertising expenditures and eliminate hidden costs. This comprehensive approach enables businesses to enhance their financial strategies and maximize their growth potential.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

Tienda Pago is a merchant support platform designed to facilitate weekly merchandise purchases for small merchants in emerging markets. By offering a mobile cashless payment system, it enables traders to finance consumer goods and manage inventory more effectively. The platform operates on a closed-loop payment mechanism that leverages mobile technology, allowing merchants to transact without cash and incentivizing them to purchase high-demand products on credit. This approach not only enhances sales and profit margins for traders but also fosters a collaborative ecosystem among distributors and merchants. Tienda Pago aims to reduce transaction inefficiencies and costs, ultimately benefiting all participants involved in the supply chain.

Lingua Franca is a boutique retained executive and professional level search firm that places leaders in strategic roles that are driven by strong data and analytics. They are former industry executives and consultants with more than 20 years of executive, analytical and advisory experience with large and small firms where strong analytics are a foundation for success. This practical experience allows us to understand and define the essential skills and competencies needed to drive distinct value in industries and companies that demand strong analytical capabilities.

Fermat Commerce operates an influencer-driven e-commerce platform designed to enhance brand sales and provide a seamless shopping experience for end-users. The platform enables content creators to embed brand-direct shopping features on their websites, allowing customers to purchase products without leaving the creators' content. By offering e-commerce enablement software, Fermat Commerce supports both merchants and content creators in building and managing their online stores, thereby facilitating a direct connection between brands and consumers within a creator's online environment.

Treasury Prime Inc. is a Banking-as-a-Service company that provides an application programming interface (API) banking platform designed to connect banks and fintechs. Founded in 2017 and headquartered in San Francisco, California, Treasury Prime enables institutions to open and manage online bank accounts, automate financial operations, and streamline compliance processes. Its offerings include integration with core banking systems, allowing for a range of services such as account management, payment processing, and card issuance. By facilitating these services, Treasury Prime enhances the customer experience while helping banks and fintechs reduce operational costs.

TeamApt is a financial technology company that develops digital banking and payment platform for financial transactions. It offers an end-to-end omnichannel digital banking service called Moneytor Digital Banking, enabling banks to offer retail, merchant, and corporate banking services through digital channels, Aptpay for automation of digital banking business operations, settlements, reconciliations, and tracks digital transformation processes with web and mobile interfaces. TeamApt was founded in 2015 and is headquartered in Lekki, Lagos, Nigeria.

MakersHub is an accounts payable solution tailored for businesses that prioritize accurate bill data management. The platform is designed to eliminate manual data entry, significantly enhancing accuracy and efficiency in financial operations. By automating the capture and processing of bill data, MakersHub reduces the time spent on accounts payable tasks by over 75%. It features flexible approval workflows that streamline the approval process, eliminate bottlenecks, and provide full visibility and control over payables. Users can easily create new items, vendors, and jobs with a single click, set auto-mapping rules for expense coding, and track approval thresholds with multiple approvers. This comprehensive approach allows businesses to manage their accounts payable more effectively, ensuring that data is utilized meaningfully within their accounting systems.

Meow Technologies is a financial technology company, not a bank. Banking services are provided by FirstBank, a Tennessee corporation, and by Grasshopper Bank, N.A. and Third Coast Bank SSB; Members FDIC. Meow offers businesses checking accounts with interest, treasury management services, invoicing, bill pay and more.

Shop Circle is a software company that specializes in developing tools specifically for Shopify-based businesses. The company offers a platform designed to enhance customer engagement, improve operational efficiency, and optimize conversion rates. By gathering and analyzing performance data from independent brands within the Shopify ecosystem, Shop Circle provides tailored solutions that empower small businesses to scale effectively. The platform aims to facilitate growth through advanced technologies that support independent brands in creating personalized experiences for consumers, ultimately driving sales and enhancing the overall e-commerce process.

Summer offers comprehensive property management services focused on vacation homes. The company operates a homeownership platform designed to assist clients in purchasing second homes and renting them out. By combining a rent-to-own program with short-term rental options, Summer aims to lower both the initial investment and ongoing costs associated with owning a second home. This approach simplifies the process, minimizing bureaucratic hurdles and allowing users to either move into ready-to-live-in homes or select their preferred second home.