QED Fund V

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, established in 2019. The company focuses on enhancing employees' financial health by providing a voluntary benefit that allows workers to access their earned wages instantly through its Rain Instant Pay application. This application integrates with TSheets to track employee shift data, enabling users to withdraw portions of their earnings before the scheduled payday. If employees opt not to withdraw funds, they receive their full pay on payday as usual. The app also includes features such as a checking account option with overdraft protection, notifications for upcoming bills, and tools for saving and budgeting. Rain's services are provided at no cost to employers, making it an appealing option for businesses looking to support their workforce's financial well-being.

Wagestream allows your employees to have complete control over when they get paid. It effectively ends the need for employee advances, loans and employee stress suffered from short term, unplanned financial obligations. Mission 1#: Provide Financial Freedom to UK workers. Mission 2#: Destroy the Pay Day Loan industry. Ahmee.

Cobre is powering companies to become workplace banks with private label technology that will give low wage employees access to financial products

Shakepay Inc. is a technology company based in Montreal, Canada, that offers financial applications aimed at helping users build wealth through digital currencies. Founded in 2015, Shakepay enables Canadians to buy and sell Bitcoin and facilitates peer-to-peer payments among users. Additionally, the company provides a VISA debit card that allows cardholders to load and spend Bitcoin for various transactions, including point of sale purchases, ATM withdrawals, and online orders. Through its mobile app, Shakepay aims to simplify the process of engaging with cryptocurrency for its users.

Azibo is a financial services platform based in Reno, Nevada, that caters to the needs of small real estate owners. Founded in 2018, Azibo offers a comprehensive digital banking solution designed to streamline property management tasks. The platform enables users to collect applications, screen tenants, generate and e-sign leases, manage rent collection, and handle accounting and financial reporting. Additionally, it simplifies maintenance management and facilitates banking and bill payments. By automating these processes, Azibo enhances operational efficiency and reduces the administrative burden associated with managing rental properties.

Jupiter, operated by Amica Financial Technologies Private Limited, is a digital retail bank based in Mumbai, India, focused on providing a co-created banking experience tailored specifically for millennials. Established in 2019, Jupiter offers a range of services including automated savings, loans, debit cards, and 24/7 customer support. The platform also provides users with insights into their spending habits and financial growth, enhancing their understanding of personal finance. In addition to these banking services, Jupiter engages in various consultancy activities, including legal, accounting, and market research, positioning itself as a comprehensive financial service provider.

Any company that wants to offer payment services faces numerous regulatory and technological barriers in Brazil. Through Hash, any B2B company can offer its customers payments services by eliminating these initial issues with our white-label platform, reducing the initial investment and operating costs by up to 95%. João Miranda is the founder and CEO of the company. He was part of the initial team at Pagar.me, fintech acquired by Stone, and served as a software engineer and large account manager.

At Capitalise.com, our vision is to unlock UK businesses’ full potential today by matching the right business to the right lender. With 360 plus lenders and growing this funding journey has become increasingly complex and hard to navigate. Capitalise.com uses in-house technology and data analytics to identify the best financing options available for UK businesses. We've partnered with over 80 institutional and fintech lenders throughout the UK to offer business loans to UK SMEs.

Cora is a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). Currently in closed beta, the company plans to launch a free mobile account exclusively for SMEs. Cora aims to simplify financial management for entrepreneurs by offering a modern platform that reduces bureaucracy and repetitive tasks commonly associated with daily financial activities. In addition to the mobile account, Cora intends to develop a suite of payment solutions, credit products, and financial management tools to further support its clients. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to provide affordable and accessible financial services tailored to the needs of smaller businesses.

The Reserve Trust Company, founded in 2016 and based in Greenwood Village, Colorado, specializes in custody management and escrow payment services. It offers accounts tailored for various sectors, including E-commerce, business-to-business transactions, crowdfunding, digital assets, import and export, and supply chain management. The company's innovative product, TRUST ENGINE, facilitates the secure transfer of funds and allows users to generate detailed online reports. Reserve Trust serves a diverse clientele, including public and private companies, public entities, foundations, endowments, families, and individuals. With an additional office in Washington DC, Reserve Trust is committed to evolving its financial payment software to meet the changing regulatory and market landscapes, enabling businesses to develop effective products and services.

Treasury Prime Inc. develops an application programming interface (API) banking platform that helps banks and fintechs to open and service online bank accounts. It offers Treasury Prime Treasury Prime for Banks that integrates with online banking, CRM, card issuing, payment gateways, and other legacy systems. The company also provides Treasury Prime for Fintechs to open and manage bank accounts, issue branded debit cards, transfer money by ACH and wires, and more. Treasury Prime Inc. was incorporated in 2017 and is based in San Francisco, California.

Any company that wants to offer payment services faces numerous regulatory and technological barriers in Brazil. Through Hash, any B2B company can offer its customers payments services by eliminating these initial issues with our white-label platform, reducing the initial investment and operating costs by up to 95%. João Miranda is the founder and CEO of the company. He was part of the initial team at Pagar.me, fintech acquired by Stone, and served as a software engineer and large account manager.

Cora is a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). Currently in closed beta, the company plans to launch a free mobile account exclusively for SMEs. Cora aims to simplify financial management for entrepreneurs by offering a modern platform that reduces bureaucracy and repetitive tasks commonly associated with daily financial activities. In addition to the mobile account, Cora intends to develop a suite of payment solutions, credit products, and financial management tools to further support its clients. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to provide affordable and accessible financial services tailored to the needs of smaller businesses.

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, established in 2019. The company focuses on enhancing employees' financial health by providing a voluntary benefit that allows workers to access their earned wages instantly through its Rain Instant Pay application. This application integrates with TSheets to track employee shift data, enabling users to withdraw portions of their earnings before the scheduled payday. If employees opt not to withdraw funds, they receive their full pay on payday as usual. The app also includes features such as a checking account option with overdraft protection, notifications for upcoming bills, and tools for saving and budgeting. Rain's services are provided at no cost to employers, making it an appealing option for businesses looking to support their workforce's financial well-being.

Current is a leading U.S. challenger bank built to meet the needs of people with unique lives who have been overlooked by the traditional banking industry. Our proprietary Current Core technology allows us to provide premium banking services for everyone, regardless of age or income, and improve the financial outcomes of our members without overdraft fees, minimum balance requirements, or hidden fees. We give members up to two days faster direct deposit paychecks, free overdrafts up to $100 with Overdrive™ , points on purchases redeemable for cash back, access to 55,000 free ATMs worldwide as well as 24/7 member support 365 days a year.

Zibo Inc. develops a banking and payments platform for independent landlords. The company offers Zibo, a financial platform, which provides management of bank accounts, rent payments, rent collection automation, tax preparation, bank transfer, and credit card payment services. It also provides insurance services for residential rental properties. Zibo Inc. was formerly known as Project Pegasus Inc. and changed its name to Zibo Inc. in April 2019. The company was incorporated in 2018 and is based in Redwood City, California.

Wagestream allows your employees to have complete control over when they get paid. It effectively ends the need for employee advances, loans and employee stress suffered from short term, unplanned financial obligations. Mission 1#: Provide Financial Freedom to UK workers. Mission 2#: Destroy the Pay Day Loan industry. Ahmee.

Amount, Inc. is a technology company focused on developing mobile banking solutions for financial institutions. Established in 2018 and headquartered in Chicago, Illinois, Amount offers a comprehensive suite of products designed to enhance digital credit offerings. Its flagship product, Amount 360, is a cloud-based platform that provides an integrated approach to lending, including credit decisioning, fraud prevention, and account verification. The company's solutions cater to various financial needs such as personal loans, credit cards, and deposit accounts. Amount's technology enables partners to transition to digital operations efficiently, with the capability to optimize performance across multiple product categories. Serving clients that manage nearly $1 trillion in assets and serve over 25 million customers in the United States, Amount plays a significant role in the evolution of the digital banking landscape.

Current is a leading U.S. challenger bank built to meet the needs of people with unique lives who have been overlooked by the traditional banking industry. Our proprietary Current Core technology allows us to provide premium banking services for everyone, regardless of age or income, and improve the financial outcomes of our members without overdraft fees, minimum balance requirements, or hidden fees. We give members up to two days faster direct deposit paychecks, free overdrafts up to $100 with Overdrive™ , points on purchases redeemable for cash back, access to 55,000 free ATMs worldwide as well as 24/7 member support 365 days a year.

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, established in 2019. The company focuses on enhancing employees' financial health by providing a voluntary benefit that allows workers to access their earned wages instantly through its Rain Instant Pay application. This application integrates with TSheets to track employee shift data, enabling users to withdraw portions of their earnings before the scheduled payday. If employees opt not to withdraw funds, they receive their full pay on payday as usual. The app also includes features such as a checking account option with overdraft protection, notifications for upcoming bills, and tools for saving and budgeting. Rain's services are provided at no cost to employers, making it an appealing option for businesses looking to support their workforce's financial well-being.

At Capitalise.com, our vision is to unlock UK businesses’ full potential today by matching the right business to the right lender. With 360 plus lenders and growing this funding journey has become increasingly complex and hard to navigate. Capitalise.com uses in-house technology and data analytics to identify the best financing options available for UK businesses. We've partnered with over 80 institutional and fintech lenders throughout the UK to offer business loans to UK SMEs.

Wagestream allows your employees to have complete control over when they get paid. It effectively ends the need for employee advances, loans and employee stress suffered from short term, unplanned financial obligations. Mission 1#: Provide Financial Freedom to UK workers. Mission 2#: Destroy the Pay Day Loan industry. Ahmee.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

Current is a leading U.S. challenger bank built to meet the needs of people with unique lives who have been overlooked by the traditional banking industry. Our proprietary Current Core technology allows us to provide premium banking services for everyone, regardless of age or income, and improve the financial outcomes of our members without overdraft fees, minimum balance requirements, or hidden fees. We give members up to two days faster direct deposit paychecks, free overdrafts up to $100 with Overdrive™ , points on purchases redeemable for cash back, access to 55,000 free ATMs worldwide as well as 24/7 member support 365 days a year.

GuiaBolso is a digital platform in Brazil that connects consumers to various financial products through an in-app marketplace, enabling real-time access and origination. By utilizing proprietary bank account aggregation technology, GuiaBolso offers users a comprehensive view of their finances, along with free credit bureau reports. This innovative approach allows users to access a range of fairly-priced loans based on actual credit risk, which is particularly significant in a market lacking a national credit score and characterized by high interest spreads. The platform also streamlines budgeting and financial control, automating processes and helping users select financial products from a curated list of partners. GuiaBolso's mission is to enhance individuals' financial well-being by providing the necessary information for better financial decision-making.

GuiaBolso is a digital platform in Brazil that connects consumers to various financial products through an in-app marketplace, enabling real-time access and origination. By utilizing proprietary bank account aggregation technology, GuiaBolso offers users a comprehensive view of their finances, along with free credit bureau reports. This innovative approach allows users to access a range of fairly-priced loans based on actual credit risk, which is particularly significant in a market lacking a national credit score and characterized by high interest spreads. The platform also streamlines budgeting and financial control, automating processes and helping users select financial products from a curated list of partners. GuiaBolso's mission is to enhance individuals' financial well-being by providing the necessary information for better financial decision-making.

True Link Financial, Inc. is a financial services firm based in San Francisco, California, that focuses on serving individuals who are vulnerable, including people with disabilities and older adults. Founded in 2012, the company offers Visa prepaid cards designed to help families and professionals manage and protect the finances of their loved ones or clients. In addition to prepaid card services, True Link provides investment management solutions, including fiduciary accounts, and a comprehensive software platform that facilitates budgeting, disbursements, record keeping, and communication for conservators, guardians, and other fiduciaries. This suite of services aims to enhance the independence and quality of life for clients who may face financial risks.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

LendUp Loans, LLC is an online lending service based in Oakland, California, founded in 2011. The company focuses on providing financial solutions for individuals who struggle with access to mainstream banking due to poor credit or unstable incomes. LendUp offers a variety of credit products, including single-payment loans, installment loans, and credit cards, while also integrating educational resources into their offerings. This approach aims to empower borrowers by equipping them with the knowledge and tools needed to improve their financial health and break free from cycles of debt. The company's technology and products are developed in-house, reflecting its commitment to creating accessible financial solutions for underserved populations.

GuiaBolso is a digital platform in Brazil that connects consumers to various financial products through an in-app marketplace, enabling real-time access and origination. By utilizing proprietary bank account aggregation technology, GuiaBolso offers users a comprehensive view of their finances, along with free credit bureau reports. This innovative approach allows users to access a range of fairly-priced loans based on actual credit risk, which is particularly significant in a market lacking a national credit score and characterized by high interest spreads. The platform also streamlines budgeting and financial control, automating processes and helping users select financial products from a curated list of partners. GuiaBolso's mission is to enhance individuals' financial well-being by providing the necessary information for better financial decision-making.

Tandem is creating a better bank, challenging legacy banking by building an app and products with input from their community of users. Tandem's goal is to make money simple, help their users save, and to free up their time from financial stress.

Future Finance is a non-government lender that offers student loans. Its mission is to provide loans for students that are simple, straightforward, and based on where they're heading, not where they've been. Future Finance helps students focus on what matters. Therefore, it aims to ensure everyone has the freedom to focus on their studies or kickstart their career whatever their financial background may be. It was founded in 2014 by Brian Norton and Vishal Garg and is headquartered in Dublin.

GuiaBolso is a digital platform in Brazil that connects consumers to various financial products through an in-app marketplace, enabling real-time access and origination. By utilizing proprietary bank account aggregation technology, GuiaBolso offers users a comprehensive view of their finances, along with free credit bureau reports. This innovative approach allows users to access a range of fairly-priced loans based on actual credit risk, which is particularly significant in a market lacking a national credit score and characterized by high interest spreads. The platform also streamlines budgeting and financial control, automating processes and helping users select financial products from a curated list of partners. GuiaBolso's mission is to enhance individuals' financial well-being by providing the necessary information for better financial decision-making.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

CARD Corporation specializes in providing prepaid debit card solutions that cater to the diverse interests of consumers. Established in 2012 and headquartered in Santa Monica, California, the company offers a wide array of personalized card designs, featuring popular figures from sports and entertainment, such as NFL players and iconic brands. CARD.com enables users to manage their finances efficiently through services like online bill pay, direct deposit, and access to a network of ATMs for cash withdrawals. The platform functions as a comprehensive banking solution, allowing customers to perform a variety of transactions seamlessly, including point-of-sale purchases and online payments. CARD Corporation has formed strategic partnerships with entities like Paws Incorporated and Meta Financial Group, enhancing its service offerings and reach in the financial technology landscape.

GreenSky, Inc., a technology company, provides point-of-sale financing and payment solutions to merchants, consumers, and banks. It offers a proprietary technology infrastructure that supports the full transaction lifecycle, including credit application, underwriting, real-time allocation to bank partners, document distribution, funding, settlement, and servicing functions. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

Privlo is an online lender for well-qualified borrowers who have fallen through the cracks inherent in the traditional agency and qualified mortgage (QM) process. At the heart of its commonsense approach is a proprietary decision-making process that values each individual's unique financial picture. Privlo offers an incredible customer experience and speed and certainty of close. The company was founded in 2011 and is based in Pasadena, California.

SoFi is a finance company that offers a range of lending and wealth management services. The company primarily caters to early-stage professionals and offers variable and fixed rate parent, personal, and MBA loans, mortgage refinancing, and more. They create modern financial products and services that help people borrow, save, spend, invest, and protect their money better so that they can achieve financial independence and realize their ambitions from owning a home to saving for retirement, paying off their student loans, and more. It was founded in 2016 and is headquartered in San Francisco, California.

Future Finance is a non-government lender that offers student loans. Its mission is to provide loans for students that are simple, straightforward, and based on where they're heading, not where they've been. Future Finance helps students focus on what matters. Therefore, it aims to ensure everyone has the freedom to focus on their studies or kickstart their career whatever their financial background may be. It was founded in 2014 by Brian Norton and Vishal Garg and is headquartered in Dublin.

CAN Capital, Inc. is a financial services provider that specializes in offering working capital and small business loans to small and medium-sized enterprises in the United States. Founded in 1998 and headquartered in Kennesaw, Georgia, the company provides products such as small business term loans and merchant cash advances, which can be used for various purposes including inventory purchases, payroll, equipment upgrades, and marketing initiatives. Utilizing a proprietary real-time platform and risk-scoring models, CAN Capital streamlines the lending process, enabling quick access to flexible funding options without requiring personal asset collateral. The company's Daily Remittance Platform allows lenders to monitor borrowers' daily cash flows and collect repayments efficiently, enhancing the overall lending experience. Formerly known as Capital Access Network, Inc., the company rebranded to CAN Capital in December 2013.

CARD Corporation specializes in providing prepaid debit card solutions that cater to the diverse interests of consumers. Established in 2012 and headquartered in Santa Monica, California, the company offers a wide array of personalized card designs, featuring popular figures from sports and entertainment, such as NFL players and iconic brands. CARD.com enables users to manage their finances efficiently through services like online bill pay, direct deposit, and access to a network of ATMs for cash withdrawals. The platform functions as a comprehensive banking solution, allowing customers to perform a variety of transactions seamlessly, including point-of-sale purchases and online payments. CARD Corporation has formed strategic partnerships with entities like Paws Incorporated and Meta Financial Group, enhancing its service offerings and reach in the financial technology landscape.

LendUp Loans, LLC is an online lending service based in Oakland, California, founded in 2011. The company focuses on providing financial solutions for individuals who struggle with access to mainstream banking due to poor credit or unstable incomes. LendUp offers a variety of credit products, including single-payment loans, installment loans, and credit cards, while also integrating educational resources into their offerings. This approach aims to empower borrowers by equipping them with the knowledge and tools needed to improve their financial health and break free from cycles of debt. The company's technology and products are developed in-house, reflecting its commitment to creating accessible financial solutions for underserved populations.

Privlo is an online lender for well-qualified borrowers who have fallen through the cracks inherent in the traditional agency and qualified mortgage (QM) process. At the heart of its commonsense approach is a proprietary decision-making process that values each individual's unique financial picture. Privlo offers an incredible customer experience and speed and certainty of close. The company was founded in 2011 and is based in Pasadena, California.

Zebit UK LTD, owned by Global Analytics Holdings, was closed down in 2014, and was absorbed by Lending Stream, another GAH company. ---- Zebit is a short-term lender that offers loans with flexible repayment options. You can take out a loan of up to £800 for a month to 7 months; Zebit lets you choose your repayment on a weekly or monthly basis. Zebit runs an affordability analysis on all applications to evaluate whether you would be able to repay the loan in a sustainable manner. Upon approval, Zebit will send the money to your bank account within 4 minutes* with no transfer or application fees (the time that it takes for cash to appear in your account will depend on your bank’s policies and procedures). Zebit accepts applications 24 hours a day, 7 days a week, even on bank holidays. Advantages 1. Upon approval, fund transfer initiated within 4 minutes* (the time that it takes for cash to appear in your account will depend on your bank’s policies and procedures). 2. Choose your repayment term – over 1 month up to 7 months. 3. Apply to borrow any amount, from £50 to £800. Disadvantages Lending of this type is an expensive form of credit that may be appropriate for short-term financial needs, but may not be appropriate for long-term borrowing - or if you are in financial difficulty. Terms and Conditions You need to be 18 years of age, or older, be in regular employment with a minimum monthly income of at least £400, and have a valid debit card and a working bank account. You should also be a UK resident. We currently do not lend to individuals who are self-employed. Costs, Rates & Fees Representative APR:1561.7% Representative Example:Annual Interest Rate: 314.7% (fixed).Total Amount of Credit: £100;Duration of Agreement:1 month; Total Cost of Credit: £25; Total Repayable: £ 125 on a loan of £100 for 1 month Extension:Not permitted **Please refer website to understand the fee structure and other details before you apply for a loan *Subject to loan approval, you will receive cash through Express Cash transfer option for free if supported by your bank. Zebit can initiate the transfer of funds into your account within 4 minutes after final approval of your loan subject to an assessment of affordability and creditworthiness.. The time that it takes for cash to appear in your account will depend on your bank’s policies and procedures

Klarna Bank AB, founded in 2005 and headquartered in Stockholm, Sweden, specializes in providing payment and shopping solutions for consumers and merchants both online and in-store across several countries, including Sweden, Germany, Austria, Switzerland, and Norway. The company offers a variety of payment options, such as card payments, direct banking, and innovative solutions like "buy now, pay later," which allows consumers to finance purchases interest-free over installments. Klarna's services extend to merchants, providing technology, credit risk management, and customer administration solutions to enhance their eCommerce capabilities. As a regulated bank, Klarna is recognized for its flexible payment solutions that empower shoppers to choose how and when they pay, thereby improving the overall shopping experience.

GAIN Credit, Inc. is an analytics-driven financial technology company specializing in credit solutions for underserved customers. The company offers a variety of lending products, including Drafty, which allows customers to set personalized credit limits and borrow funds as needed, and Lending Stream, a six-month digital loan service in the United Kingdom. Additionally, GAIN Credit provides OYE, a solution aimed at digitizing the consumer lending process for unsecured loans. Established in 2003 and headquartered in San Diego, California, the company also has offices in London, United Kingdom, and Chennai and Delhi, India. GAIN Credit was previously known as Global Analytics Holdings, Inc. and operates through various subsidiaries, focusing on leveraging analytics and technology to enhance the lending experience.