Right Side Capital Management

Vector ML Analytics is a developer of an artificial intelligence-powered financial planning and forecasting platform tailored for banks and lending institutions. The platform specializes in estimating future income, revenue, and expenses, providing comprehensive insights through the integration of financial planning and analysis with advanced modeling techniques. It allows users to analyze balance sheets and income statements at a granular level, including individual loan and deposit instruments, while considering the entire trial balance. By enabling the rapid generation of five-year projected balance sheets and income statements, Vector ML Analytics equips financial institutions with the tools necessary for informed decision-making related to profitability analysis, capital planning, risk management, and regulatory compliance.

Paisa is a financial technology company focused on enhancing the financial security of families that receive remittances. It operates a credit platform aimed at improving financial health through the remittance cash economy. By leveraging this economy, Paisa develops a robust digital financial services infrastructure, offering business-to-business lines of credit to remittance agencies to address liquidity gaps. Additionally, the company provides microloans directly to remittance recipients, facilitating easier access to loans for individuals and families reliant on these funds.

Vector ML Analytics is a developer of an artificial intelligence-powered financial planning and forecasting platform tailored for banks and lending institutions. The platform specializes in estimating future income, revenue, and expenses, providing comprehensive insights through the integration of financial planning and analysis with advanced modeling techniques. It allows users to analyze balance sheets and income statements at a granular level, including individual loan and deposit instruments, while considering the entire trial balance. By enabling the rapid generation of five-year projected balance sheets and income statements, Vector ML Analytics equips financial institutions with the tools necessary for informed decision-making related to profitability analysis, capital planning, risk management, and regulatory compliance.

Ned is a New York-based company that specializes in revenue-based financing solutions. Its platform is designed to assist small businesses and commercial lenders in managing cash flow qualification and accessing flexible financial options. By providing a comprehensive underwriting engine, Ned enables lenders to streamline the application process through a white label platform, which enhances qualification and disbursement efficiency. Additionally, the automated revenue-based repayment system facilitates the completion of financing agreements, allowing business owners to establish revenue-sharing partnerships and raise funds from personal networks. Through these services, Ned aims to support the financial needs of small businesses while fostering collaboration with lenders.

Lotly is a Toronto-based company that facilitates housing financial support by connecting homebuyers with real estate investors. Its platform helps individuals secure down payment loans and avoid rental payments.

BitVerify is a platform designed to facilitate the integration of digital assets within the financial sector. It provides essential services such as digital asset verification, data aggregation, and loan management tailored for financial institutions that wish to underwrite loans secured by digital assets. The platform allows cryptocurrency holders to explore various financing options, enabling them to access mortgages, auto loans, and other financial services through traditional banks that are beginning to embrace digital assets. By partnering with brick-and-mortar banks, BitVerify helps users leverage their cryptocurrency holdings to obtain financing for major purchases, such as vehicles and homes, thus broadening access to financial resources for cryptocurrency holders.

Vector ML Analytics is a developer of an artificial intelligence-powered financial planning and forecasting platform tailored for banks and lending institutions. The platform specializes in estimating future income, revenue, and expenses, providing comprehensive insights through the integration of financial planning and analysis with advanced modeling techniques. It allows users to analyze balance sheets and income statements at a granular level, including individual loan and deposit instruments, while considering the entire trial balance. By enabling the rapid generation of five-year projected balance sheets and income statements, Vector ML Analytics equips financial institutions with the tools necessary for informed decision-making related to profitability analysis, capital planning, risk management, and regulatory compliance.

Credit Mountain is a fintech company offering a SaaS solution that enables lenders to provide rejected borrowers with a pathway to approval.

Victor is a commercial lending company that offers a credit card with no annual fee. The company recognizes how millions of American retirees struggle to access loans in retirement.

Debtle is a technology company based in Sheboygan, Wisconsin. Founded in 2019, it specializes in developing digital payment platforms designed to automate and improve the negotiation and settlement of consumer debts.

SoLo Funds is a financial technology company that operates a digital marketplace connecting lenders and borrowers to address emergency financial needs. Based in New York City, the platform uses technology to assess creditworthiness and facilitate small, self-selected microloans funded by individual lenders. Launched in 2018 to provide an equitable, community-driven lending alternative, SoLo aims to empower financial autonomy by expanding offerings beyond lending to include banking features, credit building, and premium member services. The marketplace has processed millions of transactions, reflecting its focus on community empowerment and accessible financing.

Lucendity is a Milwaukee-based fintech startup founded by Tanya Ferrell in 2020. It operates an online loan comparison marketplace platform designed to simplify the loan selection process for consumers. Through its platform, Lucendity offers information on various financing products such as mortgages, auto loans, personal loans, and student loans, empowering users to compare options and align with their financial goals before applying directly with lending partners upon credit approval.

FloatMe Corp., established in 2017 and headquartered in San Antonio, Texas, specializes in a financial wellness platform. Its core offering is a mobile application that provides millennials with transparent, interest-free wage advances and affordable overdraft protection. The app features robust security measures, including bank-grade encryption, and overdraft alerts to help users build an emergency fund and improve their overall financial health.

Digs, Inc. operates a personal finance and guidance platform designed to assist individuals in navigating the home buying process and managing their homes as valuable assets. Incorporated in 2018 and based in Chicago, Illinois, the company provides two primary services: Digs Saver, which helps users track savings goals and monitor credit while offering insights into the home buying process, and Digs Homeowner, which enables homeowners to monitor their property's value, receive refinance alerts, and obtain mortgage optimization guidance. Additionally, Digs connects aspiring homeowners with top real estate agents and mortgage lenders, facilitating valuable relationships that enhance the overall homeownership experience. As of October 2020, Digs, Inc. operates as a subsidiary of OJO Labs Inc.

Lumni Inc. is a social mission company that offers innovative financing solutions for education through income share agreements. The organization manages investment funds that support a diverse pool of students, who agree to pay a fixed percentage of their income for a set number of months after graduation. This model minimizes the risk of excessive debt for students, particularly benefiting those who are debt-averse. Lumni's approach allows individuals and institutions to invest in the future of their communities by financing educational opportunities. The company manages various funds tailored to different demographic groups and geographic regions, each with unique characteristics and investment returns. Lumni has garnered recognition for its social impact from several prestigious organizations and currently operates in countries including Chile, Colombia, Mexico, Peru, and the United States, having financed nearly 10,000 students to date.

Inscribe offers a way for fintech and financial services organizations to automate their manual reviews, reduce fraud losses, and increase decision accuracy. By automating document reviews and improving fraud detection, companies can increase efficiency and reduce operational costs. Founded in 2017, Inscribe is trusted by leading companies like BlueVine, Petal, Fair, and Ramp. With investors from Y Combinator, Uncork Capital, Crosslink Capital, and Foundry Group, Inscribe has a global footprint with locations in North America and Europe.

RealBlocks is a financial technology platform designed to facilitate the online distribution of alternative investment funds by investment managers. By connecting these managers with financial advisors and institutions, RealBlocks enhances the capital-raising process across global markets. The platform offers essential tools, including built-in secondary trading, a customizable white-label onboarding experience, and an API dashboard for comprehensive management. It aims to reduce costs, improve efficiency, and enhance the overall investor experience, particularly within the realms of real estate and other alternative investments. By integrating various service providers, RealBlocks enables seamless transitions to tokenized product structures, promoting enhanced liquidity and fractionalization for its users.

Qanta.ai is a technology company focused on enhancing the efficiency of mortgage lending through its AI-driven platform. The company addresses the challenges of high customer acquisition costs in the financial sector by providing lenders and brokers with a comprehensive solution that engages, qualifies, and onboards clients. Qanta.ai's platform streamlines the management of home loans by tracking current and pending loans, constructing and updating loan clearance profiles, and automating the handling of mortgage-related paperwork. Additionally, it notifies users about the progress of their applications and offers, enabling home loan seekers to easily compare lending options and secure mortgages from suitable lenders. Through its innovative approach, Qanta.ai significantly boosts the productivity of mortgage operations.

Cogni is a New York-based company that develops a digital banking platform designed to enhance financial services for businesses across Europe. Formerly known as Bizbaze, Cogni offers multi-currency business accounts that integrate artificial intelligence-driven tools to streamline various financial activities. The platform employs machine learning to automate and simplify virtual payments, providing users with an intuitive interface that supports a range of financial transactions, including deposits and lifestyle-related bookings such as hotels and flights. By focusing on accessibility and transparency, Cogni aims to revolutionize the digital banking experience for its users, combining traditional finance with emerging technologies like decentralized finance and non-fungible tokens.

VendorTerm is an online financing platform that assists startups, agencies, and consumer packaged goods (CPG) brands in accelerating their growth by providing non-dilutive growth capital. The company enables these organizations to leverage outstanding receivables as a means of financing, offering an alternative to traditional venture capital and debt financing. By using their invoices for funding, clients can expand their operations without the burden of equity dilution, thus allowing them to retain full ownership while accessing the necessary capital to scale quickly.

Founded in 2015, Morty is an online mortgage marketplace that instantly matches homebuyers with competitive loan products from a wide network of lenders. Its platform simplifies operations for loan officers and brokerages through AI-assisted tools, built-in compliance handling, and streamlined processes.

LendTech, established in 2016 and headquartered in San Francisco, operates a digital lending platform that facilitates connections between banks, credit unions, private lenders, and borrowers. The platform supports both automated and manual loan origination systems, catering to a wide range of loan types such as credit cards, HELOCs, commercial real estate, SBA loans, and more. It streamlines the loan application process through integrated communication channels, enabling real-time messaging, digital signatures, and document management.

Riskopy, Inc. is a financial analytics company based in San Francisco, California, established in 2016. It specializes in cash flow optimization by integrating conventional and alternative data sources to deliver actionable insights on financial and event-driven information. Riskopy's platform enhances company-level credit data by incorporating various data types, including legal, economic, and digital signals, such as news and social media sentiment. The company serves various departments, including sales, risk, underwriting, compliance, and reporting, catering to clients in the United States, Europe, and internationally. In May 2017, Riskopy became a subsidiary of Coupa Software, further expanding its capabilities in the business finance market. Through its proprietary algorithms, Riskopy identifies opportunities in accounts receivables and payables, enabling businesses to optimize their cash flow and improve payment terms.

Noah offers homeowners in select U.S. metro areas upfront financing based on their home's future value appreciation or depreciation, enabling debt-free access to funds without monthly payments or interest.

Maxwell Financial Labs, Inc. is a technology company founded in 2015 and based in Palo Alto, California. It specializes in providing a comprehensive platform that connects home buyers, real estate agents, and lenders, facilitating the mortgage loan process from application intake to the secondary market. The company's Mortgage Optimization Platform offers technology-driven solutions designed to give local lending teams a competitive edge, enabling non-depository mortgage banks, credit unions, brokers, and local banks to better serve their communities. By focusing on enhancing the homeownership experience, Maxwell Financial Labs aims to deliver significant benefits to all stakeholders involved in the mortgage process.

Fig Tech is a financial services company based in Sugar Land, Texas. Established in 2015, it specializes in providing affordable loan solutions for low-income individuals and families in Texas, focusing on emergency loans and financial stability products.

Flowcast designs and develops patented machine learning algorithms to create predictive models for credit decisioning. Its API-based platform assesses a business's ability to repay, the risk of delinquency, and the likelihood of dilution, while providing explainable insights into the root causes of creditworthiness. The models update in real time using alternative data and Flowcast's proprietary data, enabling financial institutions, corporations, and insurers to extend credit to businesses of all sizes and monitor risk continuously. Flowcast was founded in 2015 and is headquartered in San Francisco, with an office in Singapore.

Seeds is a company that focuses on transforming the mobile app ecosystem by providing tools for app developers to facilitate in-app purchases aimed at supporting individuals in need through microloans. Their platform is designed to benefit both developers and borrowers by offering microloans that empower entrepreneurs to meet their business requirements. This approach not only enhances customer satisfaction and engagement in digital products but also fosters social responsibility by encouraging investment in socially conscious initiatives. By creating a system that supports both financial growth and social impact, Seeds aims to contribute positively to the overall business landscape.

QUICK provides a capital-as-a-service offering to SaaS, ecommerce, marketplace and payment platforms, thereby making it easy and seamless for merchants on such platforms to apply and receive cash advances quickly. Quick's intuitive widget enables business owners to apply and receive working capital "quickly."

Akouba is a pioneering software-as-a-service platform that specializes in delivering an online, end-to-end small business lending solution tailored for community and regional banks. The company is dedicated to enhancing the lending process by enabling financial institutions to offer businesses the capital they require in a streamlined, efficient, and cost-effective manner. Akouba's cloud-based platform allows banks to incorporate their unique credit policies into a user-friendly online system, thereby reducing the time required for loan processing and improving overall profitability. By leveraging advanced technology, Akouba aims to improve the customer experience while supporting banks in their lending operations.

Dab Cash is a financial services firm specializing in providing secure credit lines to holders of digital collectibles. It employs a proprietary algorithm to assess the value of these assets, enabling it to offer fast and accurate loans based on the collateral's worth. This service allows customers to leverage their digital assets, such as non-fungible tokens (NFTs), to access credit.

SURETI is a lending firm based in Bogota, Colombia, specializing in providing mortgage loans. The platform offers a unique approach by eliminating traditional term deadlines for loans and investments, thereby enhancing liquidity in the loan market. This structure allows borrowers to develop their projects with reduced cash-flow constraints, while lenders benefit from the opportunity to invest without being tied to minimum terms. SURETI aims to deliver competitive yearly yields for investments, making it an attractive option for both borrowers and lenders in the financial landscape.

Agpreneur empowers African farmers with BNPL farm input and AI advisory.