QED Investors

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

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.

Solfácil is a company that supports solar installers by providing an ecosystem of financial services, equipment sourcing, and technology solutions. Their platform offers professional tools designed to facilitate the closing of deals and investment in solar power systems. This enables customers to access credit lines for solar installations without requiring upfront investments, thereby promoting the adoption of solar energy.

LEO1 is a financial service platform focused on educational lending. It offers a solution for parents and students to manage educational expenses through flexible installment payments. Additionally, LEO1 connects individual borrowers with lenders in a peer-to-peer lending model, facilitating easier access to credit for educational purposes. By combining these services, LEO1 aims to simplify the financing of education and improve financial accessibility for its users.

Kamino is a financial management software company that specializes in providing comprehensive solutions for medium-sized businesses in Brazil. The platform features an integrated system for B2B payments, including proprietary banking services and corporate credit card solutions, alongside seamless connections to leading local banks and enterprise resource planning (ERP) systems. This integration allows financial managers to gain real-time insights into company expenditures and manage payments through a structured approval process. Kamino's capabilities include automatic invoice capture, data extraction, and streamlined accounts payable and reconciliation, which collectively enhance operational efficiency. By automating these processes, Kamino enables businesses to improve cash flow, reduce errors, and save significant amounts of time in their financial operations.

Capchase Inc. is a fintech company that provides an online platform enabling Software as a Service (SaaS) companies to access cash tied up in future monthly payments. Founded in 2020, Capchase allows these companies to finance their growth by converting accounts receivable into immediate capital. Utilizing advanced underwriting algorithms, the company assesses the value of contracts and offers lines of credit tailored to the needs of its clients. This innovative approach allows SaaS businesses to receive revenue upfront while maintaining the ability to collect monthly payments from their customers, facilitating rapid growth without resorting to equity dilution or costly financing methods. Capchase is headquartered in New York, United States.

Milo is a financial technology company that is reimagining the way crypto and global consumers access credit and financial solutions in a borderless world. We are passionate about driving transformation of financial services, solving real problems, and making a meaningful impact in people’s lives. At Milo, we are building amazing digital solutions and rethinking what’s possible. Milo has built the leading home credit solution for global consumers. By building our technology stack from the ground up and bringing on a world class team, we have already lent out millions of dollars to amazing consumers. Milo is able to close loans in days and not in months. We are looking for new team members that get excited about creating, designing and implementing new solutions for global consumers. Our team is looking for passionate individuals to join our product, design, operations and marketing teams.

Wayflyer is a Dublin-based revenue-based financing platform specifically designed for e-commerce brands. The company offers fast and affordable funding solutions to facilitate business growth while simplifying the financing process. In addition to funding, Wayflyer provides an analytics platform that leverages a daily underwriting engine to assess marketing performance. This enables e-commerce businesses to receive detailed insights and recommendations aimed at optimizing their campaign budgets and enhancing overall performance. By combining financial support with actionable marketing analytics, Wayflyer aims to empower e-commerce brands to achieve sustainable growth.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

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.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

Hash is a fintech company that provides B2B financial, payments, and banking solutions tailored for merchant partners. Established in 2017 by João Miranda, Hash's platform allows businesses to streamline financial transaction flows and customize their payment services to meet the specific needs of their customers and trade partners. By addressing key barriers in the provision of financial services, Hash acts as a gateway for enterprises seeking to enhance their payment offerings. The company has garnered recognition for its innovative approach, being featured in several prestigious lists, including "100 Startups to Watch" and "Top Fintech Companies in Brazil." Hash's commitment to creating value for its clients positions it as a notable player in the fintech landscape.

Fraction is a technology-driven lending platform designed to enhance the affordability and flexibility of residential real estate. It offers a digital solution that allows homeowners to manage and diversify their home equity. Through its platform, users can take on new mortgages, reduce home equity, and unlock the value tied up in their properties. This innovative approach enables homeowners to increase their monthly income, purchase additional homes, and convert existing mortgages into options that do not require monthly payments.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

Capitalise.com is a financial information service focused on helping UK businesses secure the right funding by connecting them with suitable lenders. With a network of over 360 lenders, including more than 80 institutional and fintech partners, the platform simplifies the complex funding landscape for small and medium-sized enterprises (SMEs). Utilizing in-house technology and data analytics, Capitalise.com identifies optimal financing options tailored to the specific needs of businesses. This approach not only facilitates access to a variety of funding products but also empowers accounting firms to better serve their clients by clarifying and streamlining the funding process, thereby enhancing their role as trusted advisors.

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.

Solfácil is a company that supports solar installers by providing an ecosystem of financial services, equipment sourcing, and technology solutions. Their platform offers professional tools designed to facilitate the closing of deals and investment in solar power systems. This enables customers to access credit lines for solar installations without requiring upfront investments, thereby promoting the adoption of solar energy.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

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.

Ocrolus Inc. is a technology company that specializes in document automation for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents, enabling clients to automate manual data processes and enhance operational efficiency. Its solutions capture data from various sources, including e-statements and scanned documents, while performing algorithmic checks alongside reviews by fraud specialists. Ocrolus's platform supports a range of applications, including loan underwriting, account openings, and auditing, thereby facilitating credit decisions within fintech, mortgage, and banking industries. The company serves notable clients such as PayPal, Brex, and SoFi, and has raised over $100 million from leading fintech investors to bolster its innovative offerings.

Capchase Inc. is a fintech company that provides an online platform enabling Software as a Service (SaaS) companies to access cash tied up in future monthly payments. Founded in 2020, Capchase allows these companies to finance their growth by converting accounts receivable into immediate capital. Utilizing advanced underwriting algorithms, the company assesses the value of contracts and offers lines of credit tailored to the needs of its clients. This innovative approach allows SaaS businesses to receive revenue upfront while maintaining the ability to collect monthly payments from their customers, facilitating rapid growth without resorting to equity dilution or costly financing methods. Capchase is headquartered in New York, United States.

Wayflyer is a Dublin-based revenue-based financing platform specifically designed for e-commerce brands. The company offers fast and affordable funding solutions to facilitate business growth while simplifying the financing process. In addition to funding, Wayflyer provides an analytics platform that leverages a daily underwriting engine to assess marketing performance. This enables e-commerce businesses to receive detailed insights and recommendations aimed at optimizing their campaign budgets and enhancing overall performance. By combining financial support with actionable marketing analytics, Wayflyer aims to empower e-commerce brands to achieve sustainable growth.

Spinwheel is a financial software platform founded in 2019 and headquartered in Oakland, California, aimed at helping Americans reduce their debt efficiently. The company offers an API infrastructure that integrates debt management solutions into popular applications, allowing users to connect, pay, and manage their debts directly within those platforms. Spinwheel's software is particularly focused on student debt, featuring functionalities such as loan payment processing, interest rate comparisons, account linking, and tools for simplifying the loan payment experience. By embedding these financial capabilities in everyday apps, Spinwheel enables users to make debt payments seamlessly while pursuing their shopping activities.

Hash is a fintech company that provides B2B financial, payments, and banking solutions tailored for merchant partners. Established in 2017 by João Miranda, Hash's platform allows businesses to streamline financial transaction flows and customize their payment services to meet the specific needs of their customers and trade partners. By addressing key barriers in the provision of financial services, Hash acts as a gateway for enterprises seeking to enhance their payment offerings. The company has garnered recognition for its innovative approach, being featured in several prestigious lists, including "100 Startups to Watch" and "Top Fintech Companies in Brazil." Hash's commitment to creating value for its clients positions it as a notable player in the fintech landscape.

Milo is a financial technology company that is reimagining the way crypto and global consumers access credit and financial solutions in a borderless world. We are passionate about driving transformation of financial services, solving real problems, and making a meaningful impact in people’s lives. At Milo, we are building amazing digital solutions and rethinking what’s possible. Milo has built the leading home credit solution for global consumers. By building our technology stack from the ground up and bringing on a world class team, we have already lent out millions of dollars to amazing consumers. Milo is able to close loans in days and not in months. We are looking for new team members that get excited about creating, designing and implementing new solutions for global consumers. Our team is looking for passionate individuals to join our product, design, operations and marketing teams.

Provide, Inc. is a financial software company that specializes in offering tailored solutions for dentists, veterinarians, and healthcare professionals. Founded in 2013 and headquartered in San Francisco, California, the company provides a range of services including lending, business bank accounts, and insurance. This focus on the unique financial needs of healthcare providers reflects the company's commitment to supporting these essential professionals, particularly in challenging times such as the global pandemic. Previously known as Lendeavor, Provide aims to enhance the financial management capabilities of its users through innovative software solutions.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Wayflyer is a Dublin-based revenue-based financing platform specifically designed for e-commerce brands. The company offers fast and affordable funding solutions to facilitate business growth while simplifying the financing process. In addition to funding, Wayflyer provides an analytics platform that leverages a daily underwriting engine to assess marketing performance. This enables e-commerce businesses to receive detailed insights and recommendations aimed at optimizing their campaign budgets and enhancing overall performance. By combining financial support with actionable marketing analytics, Wayflyer aims to empower e-commerce brands to achieve sustainable growth.

Ocrolus Inc. is a technology company that specializes in document automation for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents, enabling clients to automate manual data processes and enhance operational efficiency. Its solutions capture data from various sources, including e-statements and scanned documents, while performing algorithmic checks alongside reviews by fraud specialists. Ocrolus's platform supports a range of applications, including loan underwriting, account openings, and auditing, thereby facilitating credit decisions within fintech, mortgage, and banking industries. The company serves notable clients such as PayPal, Brex, and SoFi, and has raised over $100 million from leading fintech investors to bolster its innovative offerings.

Zibo Inc. is a financial services provider that focuses on the needs of independent landlords. The company offers a comprehensive platform that facilitates the management of banking, rent payments, and financial tasks associated with rental properties. Key features include automated rent collection, tax preparation, and various payment services, including bank transfers and credit card processing. Additionally, Zibo provides insurance services tailored for residential rental properties. By offering a suite of tools for financial management, tenant screening, and accounting, Zibo aims to enhance cash flow and support landlords in growing their rental portfolios. Founded in 2018 and based in Redwood City, California, Zibo was previously known as Project Pegasus Inc. before rebranding in April 2019.

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.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

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.

Covalto, formerly known as Credijusto, is a financial technology company based in Mexico City that specializes in providing comprehensive financial solutions for small and medium-sized enterprises (SMEs). Founded in 2015, Covalto has developed a robust technology infrastructure that utilizes digital tax, e-invoice, and financial data to streamline the underwriting and servicing of SMEs. The company offers a multi-product credit platform, banking services, and a suite of business analytics tools, all designed to facilitate accessible and transparent credit for business growth. In 2021, Covalto distinguished itself as the first fintech in Mexico to acquire a regulated bank, further enhancing its digital banking and service offerings for SMEs.

Ocrolus Inc. is a technology company that specializes in document automation for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents, enabling clients to automate manual data processes and enhance operational efficiency. Its solutions capture data from various sources, including e-statements and scanned documents, while performing algorithmic checks alongside reviews by fraud specialists. Ocrolus's platform supports a range of applications, including loan underwriting, account openings, and auditing, thereby facilitating credit decisions within fintech, mortgage, and banking industries. The company serves notable clients such as PayPal, Brex, and SoFi, and has raised over $100 million from leading fintech investors to bolster its innovative offerings.

Capitalise.com is a financial information service focused on helping UK businesses secure the right funding by connecting them with suitable lenders. With a network of over 360 lenders, including more than 80 institutional and fintech partners, the platform simplifies the complex funding landscape for small and medium-sized enterprises (SMEs). Utilizing in-house technology and data analytics, Capitalise.com identifies optimal financing options tailored to the specific needs of businesses. This approach not only facilitates access to a variety of funding products but also empowers accounting firms to better serve their clients by clarifying and streamlining the funding process, thereby enhancing their role as trusted advisors.

Agilis is a financial services company focused on transforming the asset-backed secured lending market in Argentina through its online lending platform. By allowing borrowers to use property as collateral, Agilis offers loans with lower interest rates and longer repayment terms compared to traditional personal loans. The platform provides competitive rates and enhanced financing options that surpass those typically available through credit cards and personal bank loans. This approach aims to facilitate access to advanced financing alternatives for consumers, positioning Agilis as a key player in the online lending landscape.

Zinobe is a digital financial services company operating in Colombia since 2012, focused on providing online financial products to consumers and small businesses. The company aims to promote financial inclusion for underserved markets by leveraging technology, including artificial intelligence scoring and blockchain technology. Zinobe has developed a data-centric credit model that enhances customer experience and enables efficient decision-making for financial lenders. Backed by notable investors such as QED Investors, Zinobe is positioned to address the challenges faced by those lacking access to traditional financial services in Latin America.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Covalto, formerly known as Credijusto, is a financial technology company based in Mexico City that specializes in providing comprehensive financial solutions for small and medium-sized enterprises (SMEs). Founded in 2015, Covalto has developed a robust technology infrastructure that utilizes digital tax, e-invoice, and financial data to streamline the underwriting and servicing of SMEs. The company offers a multi-product credit platform, banking services, and a suite of business analytics tools, all designed to facilitate accessible and transparent credit for business growth. In 2021, Covalto distinguished itself as the first fintech in Mexico to acquire a regulated bank, further enhancing its digital banking and service offerings for SMEs.

Ocrolus Inc. is a technology company that specializes in document automation for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents, enabling clients to automate manual data processes and enhance operational efficiency. Its solutions capture data from various sources, including e-statements and scanned documents, while performing algorithmic checks alongside reviews by fraud specialists. Ocrolus's platform supports a range of applications, including loan underwriting, account openings, and auditing, thereby facilitating credit decisions within fintech, mortgage, and banking industries. The company serves notable clients such as PayPal, Brex, and SoFi, and has raised over $100 million from leading fintech investors to bolster its innovative offerings.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

ApplePie Capital, established in 2013 and based in San Francisco, specializes in providing financing solutions tailored to franchise businesses. Through its online platform, the company offers a range of loan products designed to help franchisees open new locations, acquire existing ones, refinance debts, or fund renovations. ApplePie Capital connects entrepreneurs with investors seeking fixed-income returns, facilitating efficient financing for franchise expansion while promoting trust in established brands.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

ClearScore is a financial technology company that offers credit scoring services and a marketplace aimed at improving users' financial well-being. The company provides access to crucial financial data, including credit reports and scores, as well as open banking data. Its platform is designed to assist users in consolidating personal debts and repaying them through low-interest, fixed-rate loans. By empowering individuals with these tools, ClearScore enables users to make informed and responsible decisions regarding debt management and financial planning.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Future Finance is a non-government lender based in Dublin that specializes in providing student loans. Founded in 2014 by Brian Norton and Vishal Garg, the company aims to eliminate financial barriers to education, allowing students to focus on their studies and career aspirations regardless of their financial backgrounds. Future Finance offers straightforward loan facilities that can be used for tuition fees and living expenses associated with both undergraduate and postgraduate studies. By prioritizing the future potential of students rather than their past financial circumstances, the company seeks to empower individuals to achieve their educational goals with ease.

MMKT Exchange LLC operates a digital platform designed to facilitate the loan syndication and trading process for qualified institutional buyers and loan originators. Founded in 2015 and based in New York, the platform serves as a marketplace where commercial lenders who originate loans can connect with institutional buyers. It allows buyers to access listings of loans from prominent originators while enabling originators to list their loans efficiently. Additionally, the platform provides sponsors and borrowers with tools to monitor purchasing activities, ensuring a streamlined experience in the middle market for smaller transaction sizes. Through its innovative approach, MMKT Exchange aims to enhance accessibility and efficiency in the loan trading process.

Fundera, Inc. is an online marketplace based in New York that assists small business owners in comparing diverse small business loan options. Founded in 2013, the platform features a wide range of financial products, including SBA loans, term loans, equipment financing, business lines of credit, invoice financing, short-term loans, merchant cash advances, and personal loans for business purposes. Fundera aims to empower entrepreneurs by providing expert insights and tailored financial options, allowing them to make informed decisions based on their specific needs and eligibility. By leveraging proprietary technology and financial expertise, Fundera connects business owners with lenders, credit card issuers, and banks to help them secure funding at competitive rates. As of October 2020, Fundera operates as a subsidiary of NerdWallet, Inc.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

ApplePie Capital, established in 2013 and based in San Francisco, specializes in providing financing solutions tailored to franchise businesses. Through its online platform, the company offers a range of loan products designed to help franchisees open new locations, acquire existing ones, refinance debts, or fund renovations. ApplePie Capital connects entrepreneurs with investors seeking fixed-income returns, facilitating efficient financing for franchise expansion while promoting trust in established brands.

Remitly Global, Inc. is a digital remittance company that specializes in facilitating international money transfers through its extensive network across Africa, Asia, Central Europe, and South America. Founded in 2011 and headquartered in Seattle, Washington, with additional offices in London, Manila, and Nicaragua, Remitly offers a mobile payment service that allows consumers in the United States, Canada, and the United Kingdom to send money easily to friends and family. The company utilizes advanced technology to streamline the money transfer process, eliminating unnecessary steps and fees associated with traditional methods. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., providing a cost-effective and reliable service for its customers. Revenue is generated through transaction fees and foreign exchange spreads, positioning Remitly as a key player in the evolving financial services landscape for immigrants.

GreenSky, Inc. is a technology company based in Atlanta, Georgia, that specializes in point-of-sale financing and payment solutions for merchants, consumers, and banks. Founded in 2006, GreenSky employs a proprietary technology infrastructure that streamlines the transaction lifecycle, encompassing credit applications, underwriting, and real-time allocation to banking partners. The company provides paperless solutions that enhance the user experience in payments and credit, facilitating loans primarily for home improvement and healthcare services. With partnerships among numerous large banking institutions, GreenSky has funded over 12 billion dollars in loans for more than 1.7 million customers, offering an accessible mobile app for loan management. Its services target consumers with prime to prime-plus credit, presenting an alternative to traditional credit cards for smaller loan amounts.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

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.

ApplePie Capital, established in 2013 and based in San Francisco, specializes in providing financing solutions tailored to franchise businesses. Through its online platform, the company offers a range of loan products designed to help franchisees open new locations, acquire existing ones, refinance debts, or fund renovations. ApplePie Capital connects entrepreneurs with investors seeking fixed-income returns, facilitating efficient financing for franchise expansion while promoting trust in established brands.

SoFi, established in 2011 and headquartered in San Francisco, operates as a commercial bank offering a range of financial services. Primarily serving early-career professionals, SoFi provides personal loans, mortgage refinancing, and student loan assistance. Their wealth management services include retirement savings plans, investment products, and credit card offerings. Additionally, they provide small business financing solutions.

Future Finance is a non-government lender based in Dublin that specializes in providing student loans. Founded in 2014 by Brian Norton and Vishal Garg, the company aims to eliminate financial barriers to education, allowing students to focus on their studies and career aspirations regardless of their financial backgrounds. Future Finance offers straightforward loan facilities that can be used for tuition fees and living expenses associated with both undergraduate and postgraduate studies. By prioritizing the future potential of students rather than their past financial circumstances, the company seeks to empower individuals to achieve their educational goals with ease.

CAN Capital, Inc. is a financial services provider based in Kennesaw, Georgia, specializing in working capital solutions for small and medium-sized businesses across the United States. Founded in 1998, the company offers small business term loans and merchant cash advances to help business owners meet various financial needs, including inventory purchases, technology upgrades, payroll, equipment acquisition, expansion, and marketing initiatives. CAN Capital utilizes a real-time platform and risk-scoring models to streamline the lending process, allowing for quick access to flexible funding options without the need for personal asset collateral. The company's Daily Remittance Platform facilitates daily cash flow monitoring of borrowers, enhancing the lender's understanding of customer transactions and improving repayment processes. Formerly known as Capital Access Network, Inc., CAN Capital rebranded in December 2013 to better reflect its focus on providing accessible capital solutions for small businesses.

Remitly Global, Inc. is a digital remittance company that specializes in facilitating international money transfers through its extensive network across Africa, Asia, Central Europe, and South America. Founded in 2011 and headquartered in Seattle, Washington, with additional offices in London, Manila, and Nicaragua, Remitly offers a mobile payment service that allows consumers in the United States, Canada, and the United Kingdom to send money easily to friends and family. The company utilizes advanced technology to streamline the money transfer process, eliminating unnecessary steps and fees associated with traditional methods. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., providing a cost-effective and reliable service for its customers. Revenue is generated through transaction fees and foreign exchange spreads, positioning Remitly as a key player in the evolving financial services landscape for immigrants.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

BlueYield, Inc. operates as a consumer auto finance lending exchange, providing access to a variety of auto loans, including options for both new and used vehicles from franchise and non-franchise dealers, as well as refinance and lease buyouts. The company also offers custom software tools that enable lenders to connect with consumers, monitor portfolio performance, and leverage predictive analytics. Additionally, BlueYield provides lender development, management, and connectivity solutions, along with private-label affinity automotive financing programs. Founded in 2008 and based in Aliso Viejo, California, BlueYield serves a diverse clientele that includes lenders, lead sources, affinity groups, and consumers. As of August 2016, BlueYield operates as a subsidiary of Ally Financial Inc.

Avant, LLC is a financial technology company that operates an online marketplace lending platform, providing consumers access to personal loans for purposes such as debt consolidation, medical expenses, and family vacations. Founded in 2012, Avant utilizes big data and machine-learning algorithms to streamline credit options and offer a tailored approach to lending. The company partners with banks and financial institutions to facilitate loan processing and verification, ensuring compliance with credit policies while minimizing fraud and risk. Additionally, Avant operates an institutional marketplace that allows investors to purchase loans generated through its technology. Headquartered in Chicago, Illinois, Avant also maintains offices in Los Angeles, California, and London, United Kingdom, serving customers both domestically and internationally.

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.

SoMoLend Holdings LLC operates a web-based platform that connects lenders and borrowers for financial solutions in the United States, primarily targeting small businesses and startups. Founded in 2011 and based in Cincinnati, Ohio, SoMoLend allows businesses to secure loans from a variety of sources, including banks, corporations, and local community members. The platform promotes peer-to-peer lending, enabling borrowers to raise funds from friends, family, and local investors. It serves as a transparent portal where lenders can assess potential borrowers in their communities, fostering local investment and support. The company's mission is to assist small businesses that struggle to obtain traditional funding, ultimately helping entrepreneurs grow and contributing to job creation and community development. SoMoLend's innovative approach to lending emphasizes the importance of community engagement and collaboration in financing local enterprises.

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

Prosper Marketplace Inc. is a peer-to-peer online credit marketplace based in San Francisco, California, founded in 2005. The company facilitates connections between individuals seeking consumer loans and those willing to invest in these loans, including both individuals and institutions. Prosper’s platform offers a range of fixed-rate, amortizing, and unsecured personal loans, all characterized by transparency, low fees, and no prepayment penalties. By utilizing a data-driven underwriting model, Prosper enables borrowers to access affordable loans while providing investors with the opportunity to earn competitive returns. The marketplace aims to create financial benefits for both borrowers and investors in a straightforward and efficient manner.

GAIN Credit, Inc. is a fintech company that specializes in providing innovative credit solutions to underserved customers. Founded in 2003 and based in San Diego, California, with additional offices in London and India, the company operates under several brands, including Drafty, Lending Stream, and OYE. Drafty offers a flexible line-of-credit solution, allowing customers to set their own borrowing limits within an approved amount. Lending Stream provides digital loans for a six-month term in the United Kingdom, while OYE focuses on digitizing the unsecured lending process. GAIN Credit aims to address the needs of individuals who may not have access to traditional financial services, utilizing advanced analytics and technology to enhance the lending experience and ensure responsible access to credit.

Prosper Marketplace Inc. is a peer-to-peer online credit marketplace based in San Francisco, California, founded in 2005. The company facilitates connections between individuals seeking consumer loans and those willing to invest in these loans, including both individuals and institutions. Prosper’s platform offers a range of fixed-rate, amortizing, and unsecured personal loans, all characterized by transparency, low fees, and no prepayment penalties. By utilizing a data-driven underwriting model, Prosper enables borrowers to access affordable loans while providing investors with the opportunity to earn competitive returns. The marketplace aims to create financial benefits for both borrowers and investors in a straightforward and efficient manner.

China Rapid Finance operates an online consumer lending marketplace focused on serving China's emerging middle class and providing access to consumer credit in a largely untapped market. The company aims to reach approximately 500 million economically active individuals who lack access to traditional bank credit, a market projected to exceed RMB 5.4 trillion by 2020. Utilizing advanced technology, including a proprietary Big Data analytics platform and an automated credit decision system, China Rapid Finance has transformed the consumer credit landscape in the country. With a strong emphasis on credit risk management and transparency, the company boasts over 5,000 employees and 80 data verification centers throughout China. Founded in 2001 by Dr. Zane Wang, a noted expert in consumer credit innovation, China Rapid Finance also plays a role in shaping industry standards, having advised the People's Bank of China on the development of national credit systems.