Sequoia Capital

PagarBook is a payroll and attendance management platform specifically designed for small and medium enterprises. Established in 2019 in Bangalore, Karnataka, by Arya Gautam, Adarsh Kumar, and Rupesh Mishra, the company offers an easy-to-use mobile and desktop application that streamlines various employee-related tasks. This includes managing attendance, salaries, advance payments, bonuses, and overtime, as well as work done on a piece or work basis. The platform allows SMEs to efficiently handle their workforce management needs in a single application, which synchronizes across multiple devices in real-time.

Shumeiwuwu is a cross-border e-commerce company that provides quality goods and services to consumers through global shopping.

SarvaGram Fincare Private Limited is a fintech startup based in Mumbai, India, established in 2018. The company specializes in providing financial services to individuals and small enterprises in rural and semi-urban areas. SarvaGram offers a range of loan products, including gold loans, consumer durable loans, farm loans, and business loans, aimed at enhancing the economic potential of rural households. By utilizing a data science-enabled platform, SarvaGram assesses the financial viability of these households through an in-depth understanding of their cash flow, balance sheets, and diverse income streams. The company focuses on serving underserved communities, facilitating access to credit and productivity enhancement tools, thereby supporting livelihood improvements for aspiring households and small to medium businesses.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Yi'an Holdings is a financial services company that provides one-stop investment banking services to small and medium-sized companies.

Shumeiwuwu is a cross-border e-commerce company that provides quality goods and services to consumers through global shopping.

Triple-A is a digital currency payment institution that facilitates seamless transactions for businesses in both traditional and digital currencies without the risks associated with volatility. The company provides a comprehensive payment platform that includes services such as cryptocurrency payments, payouts, and remittances, allowing businesses to integrate these solutions effortlessly through API or no-code options. Licensed by the Monetary Authority of Singapore and also recognized in the EU and the United States, Triple-A adheres to rigorous security and compliance standards. Trusted by over 20,000 businesses globally, Triple-A enables companies to enhance their payment capabilities and attract new customers through its white-label solutions, fostering growth in an increasingly digital economy.

Airalo is an eSIM storefront that provides travelers with digital SIM solutions for over 190 countries and regions. The company offers eSIMs at local rates for compatible smartphones, tablets, and PCs, allowing users to connect without carrying multiple physical SIM cards or changing numbers. Through a mobile app, Airalo enables customers to browse and activate plans themselves, delivering global connectivity and flexibility for international travel. By replacing traditional SIM cards with portable eSIM profiles, Airalo aims to simplify international roaming and help travelers stay connected wherever they go.

SUNRATE is a global payment and treasury management platform established in 2016, headquartered in Singapore with additional offices in Hong Kong, Jakarta, London, and Shanghai. The company provides a comprehensive solution for businesses to operate and scale internationally across over 190 countries and regions. SUNRATE's platform offers services such as international payments, virtual corporate cards, global collections, and treasury management, facilitating smooth commercial transactions and enhancing international trade. By leveraging its proprietary technology and extensive global network, SUNRATE partners with leading financial institutions like Citibank and Standard Chartered, and holds principal memberships with both Mastercard and Visa, positioning itself as a key player in the financial technology sector.

Plotch is an AI-driven eCommerce ERP platform tailored for small businesses, providing a comprehensive solution to meet a wide range of online business needs. The company offers a cloud-based digital transformation stack that includes inventory management, sales management, manufacturing management, accounting, warehouse management, customer relationship management, and logistics management. Plotch's modular architecture allows businesses to quickly launch shopping websites and apps or integrate with existing platforms like Shopify and Magento. Additionally, it is uniquely positioned to facilitate the rapid creation of online marketplaces, making it an essential tool for businesses aiming to enhance their eCommerce operations and streamline their supply chain management.

TinyTap Ltd. is an educational software company based in Tel Aviv, Israel, that specializes in developing applications for creating personalized games and interactive content for children. Founded in 2012, TinyTap offers a platform where families, educators, and students can create and share educational games without the need for coding. The platform hosts a vast library of over 150,000 games, crafted by teachers from around the world, which are accessed by more than a million families each month. Users can create engaging activities, stories, and playable albums using personal photos and voice tags, while also having the option to sell their created content through the application. TinyTap provides a subscription model that unlocks premium features, and half of the subscription revenue is returned to the educators who design the games. This model allows TinyTap to foster a collaborative community focused on making learning fun and interactive.

Aspire is a financial operating system designed for growing businesses in Southeast Asia, headquartered in Singapore. Founded in 2018, the company offers a comprehensive suite of services that includes business accounts tailored for cross-border transactions, corporate cards, and automated invoice processing, all integrated within a unified financial management platform. Aspire's services aim to enhance efficiency and transparency in business banking, enabling clients to manage their bank accounts, credit cards, invoicing, and expenses seamlessly. Additionally, the company provides an incorporation service known as Aspire Kickstart, specifically for businesses establishing themselves in Singapore. Through its innovative solutions, Aspire seeks to streamline cash management and empower businesses to make informed financial decisions.

Progcap is a financial services company based in New Delhi, India, focused on providing financial opportunities to micro and small businesses. Founded in 2017, the company employs a unique delivery model and advanced technology to underwrite credit for underbanked semi-urban and rural retailers. By utilizing non-traditional ecosystem data, Progcap creates credit scores for businesses often overlooked by conventional financial institutions. This innovative approach enables the company to offer flexible, collateral-free working capital and finance solutions tailored to the needs of micro and small enterprises. Progcap's mission is to empower these businesses by delivering affordable and timely credit, thereby fostering growth and economic development in underserved markets.

StashAway Malaysia Sdn Bhd is a licensed investment platform in Malaysia that specializes in wealth management and portfolio management for both retail and accredited investors. The company is dedicated to providing accessible investment solutions, emphasizing low fees and personalized financial planning. StashAway's platform caters to a diverse audience by offering tools and resources that facilitate informed investment decisions. Its innovative investment strategy, ERAA® (Economic Regime-based Asset Allocation), aims to maximize long-term returns while managing individual risk exposure in response to changing economic conditions. Through its user-friendly mobile app, StashAway simplifies the investment process, making wealth management more approachable for a broad range of investors.

Progcap is a financial services company based in New Delhi, India, focused on providing financial opportunities to micro and small businesses. Founded in 2017, the company employs a unique delivery model and advanced technology to underwrite credit for underbanked semi-urban and rural retailers. By utilizing non-traditional ecosystem data, Progcap creates credit scores for businesses often overlooked by conventional financial institutions. This innovative approach enables the company to offer flexible, collateral-free working capital and finance solutions tailored to the needs of micro and small enterprises. Progcap's mission is to empower these businesses by delivering affordable and timely credit, thereby fostering growth and economic development in underserved markets.

Swoosh Transfer is a fintech company. They provide the ability to upgrade technical capabilities such as blockchain and AI risk control. It also offers secure global payment services.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Multiplier is a global employment platform that enables companies to hire and manage distributed teams worldwide. Through its technology, it handles local labor law compliance, employment contracts, payroll, benefits, and taxes, allowing employers to onboard and pay international staff without establishing local entities. The platform provides a centralized dashboard to manage hiring, onboarding, payroll, expenses, holidays, payslips, and invoices, helping organizations track the global workforce while reducing costs and ensuring regulatory compliance. By simplifying the employment process and assuming regulatory responsibilities, Multiplier supports employers in expanding their teams across borders while maintaining clarity and control over employment arrangements.

WeShine Network is a marketing and service platform based in Nanjing, China, established in 2015. The company specializes in providing integrated marketing solutions, primarily utilizing the WeChat platform to facilitate corporate account management for business users. WeShine Network enables enterprises to attract and acquire customers through various channels, enhancing their marketing precision and broadening their customer base. With over 150,000 businesses served and more than 30,000 paid enterprise users, the company has built a substantial presence globally, supported by a network of over 600 channel partners. Its offices are located in major cities such as Guangzhou, Shenzhen, Beijing, Shanghai, Wuxi, and Wuhan.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

iimmpact develops a payment and data aggregation platform for businesses. It offers services such as mobile recharge, bill payments, government services, insurance, transportation, and others through its elegant API solution. Founded in 2017, it is headquartered in Kuala Lumpur, Malaysia.

Lummo empower entrepreneurs and brands in SEA to accelerate their growth and to serve their customers by giving them the best technology.

Tungee, founded in 2016, specializes in providing intelligent sales solutions for B2B enterprises. By leveraging artificial intelligence and big data, the company has developed a comprehensive sales forecasting platform that encompasses various functions, including lead mining, business opportunity engagement, customer relationship management, and order analysis. Tungee's innovative approach addresses the challenges faced by businesses in identifying, contacting, and managing customers, leading to more efficient acquisition of accurate sales leads and reduced customer acquisition costs. As a leader in the Chinese intelligent sales sector, Tungee has successfully served over 3,000 enterprise clients, including prominent organizations such as Alibaba and China Mobile.

Multiplier is a global employment platform that enables companies to hire and manage distributed teams worldwide. Through its technology, it handles local labor law compliance, employment contracts, payroll, benefits, and taxes, allowing employers to onboard and pay international staff without establishing local entities. The platform provides a centralized dashboard to manage hiring, onboarding, payroll, expenses, holidays, payslips, and invoices, helping organizations track the global workforce while reducing costs and ensuring regulatory compliance. By simplifying the employment process and assuming regulatory responsibilities, Multiplier supports employers in expanding their teams across borders while maintaining clarity and control over employment arrangements.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

Progcap is a financial services company based in New Delhi, India, focused on providing financial opportunities to micro and small businesses. Founded in 2017, the company employs a unique delivery model and advanced technology to underwrite credit for underbanked semi-urban and rural retailers. By utilizing non-traditional ecosystem data, Progcap creates credit scores for businesses often overlooked by conventional financial institutions. This innovative approach enables the company to offer flexible, collateral-free working capital and finance solutions tailored to the needs of micro and small enterprises. Progcap's mission is to empower these businesses by delivering affordable and timely credit, thereby fostering growth and economic development in underserved markets.

Ula is a technology-driven distribution and credit marketplace application that focuses on supporting micro, small, and medium enterprises in Indonesia. Founded in 2020 and headquartered in Jakarta, with additional offices in Bengaluru and Singapore, Ula provides a B2B marketplace designed specifically for small retailers. The platform enables these retailers to access a diverse range of products at competitive prices while managing their inventory and supply chain more effectively. Ula offers favorable payment terms and working capital solutions, allowing store owners to stock only the inventory they need and ultimately enhance their profitability. By leveraging technology, Ula addresses key challenges in traditional retail, ensuring that small businesses can thrive in a rapidly evolving digital marketplace.

Aspire is a financial operating system designed for growing businesses in Southeast Asia, headquartered in Singapore. Founded in 2018, the company offers a comprehensive suite of services that includes business accounts tailored for cross-border transactions, corporate cards, and automated invoice processing, all integrated within a unified financial management platform. Aspire's services aim to enhance efficiency and transparency in business banking, enabling clients to manage their bank accounts, credit cards, invoicing, and expenses seamlessly. Additionally, the company provides an incorporation service known as Aspire Kickstart, specifically for businesses establishing themselves in Singapore. Through its innovative solutions, Aspire seeks to streamline cash management and empower businesses to make informed financial decisions.

Lio is a software company that develops productivity and data management tools that enable users to create, store, and organize tasks and records. Its solutions allow users to calculate, tabulate, and manage tasks such as to-do lists, wedding registries, and class schedules, and to keep and track business records on mobile devices through simple, intuitive interfaces. The product targets a range of users, including home-based businesses, solo entrepreneurs, farmers, doctors, and small to medium-sized enterprises, helping them organize operations and information efficiently on mobile platforms.

FloBiz is a pioneering neo-business platform in India, specifically designed to support small and medium enterprises. Its flagship product, FloBooks, is a mobile billing and inventory management application that caters to the needs of business owners, providing functionalities that facilitate both online and offline operations. The app enables users to create invoices, manage outstanding payments, and monitor stock levels seamlessly. Key features include payment reminders, sales and purchase reports, a greetings module, and a web version, making it a versatile tool for business management. By offering these digital solutions, FloBiz aims to empower micro, small, and medium enterprises to enhance their operational efficiency and drive growth.

ShopUp is a Bangladesh-based technology company that operates a full-stack B2B commerce platform, designed specifically for small businesses. The platform provides these businesses with easy access to B2B sourcing, last-mile logistics, and buy-now-pay-later (BNPL) solutions. Headquartered in Dhaka, ShopUp aims to empower small businesses by offering them digital credit and business management tools, enabling them to access a wide range of products and services tailored to their needs.

Khatabook is an Indian SaaS company empowering micro, small, and medium businesses by offering secure and efficient digital ledger solutions. It supports over 20 million registered users across 11+ languages.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

Multiplier is a global employment platform that enables companies to hire and manage distributed teams worldwide. Through its technology, it handles local labor law compliance, employment contracts, payroll, benefits, and taxes, allowing employers to onboard and pay international staff without establishing local entities. The platform provides a centralized dashboard to manage hiring, onboarding, payroll, expenses, holidays, payslips, and invoices, helping organizations track the global workforce while reducing costs and ensuring regulatory compliance. By simplifying the employment process and assuming regulatory responsibilities, Multiplier supports employers in expanding their teams across borders while maintaining clarity and control over employment arrangements.

Progcap is a financial services company based in New Delhi, India, focused on providing financial opportunities to micro and small businesses. Founded in 2017, the company employs a unique delivery model and advanced technology to underwrite credit for underbanked semi-urban and rural retailers. By utilizing non-traditional ecosystem data, Progcap creates credit scores for businesses often overlooked by conventional financial institutions. This innovative approach enables the company to offer flexible, collateral-free working capital and finance solutions tailored to the needs of micro and small enterprises. Progcap's mission is to empower these businesses by delivering affordable and timely credit, thereby fostering growth and economic development in underserved markets.

SmartHR, Inc. is a Tokyo-based company that specializes in developing cloud-based human resources management software. Founded in 2013, SmartHR provides a comprehensive platform designed to automate procedures related to social insurance and employment insurance. The software enables users to fill out online forms and generate digital versions of essential documents such as pension and employment insurance paperwork, which can be submitted electronically. By offering a suite of technology-enabled solutions for employee management, talent management, and overall HR administration, SmartHR caters to a wide range of businesses, from large enterprises to small and medium-sized enterprises. Through its innovative approach, SmartHR aims to streamline HR processes and enhance employee productivity.

Zenyum is a Singaporean start-up founded in 2018 that focuses on transforming dental care through technology and innovation. The company aims to make dental products and experiences accessible to everyone, believing that everyone deserves a better smile. Zenyum partners with numerous dentists to offer 3D-printed invisible braces and other dental products, ensuring they meet high-quality standards. By providing affordable and effective clear teeth aligning devices, Zenyum is redefining the dental category in Asia and enhancing dental routines for its customers.

StashAway Malaysia Sdn Bhd is a licensed investment platform in Malaysia that specializes in wealth management and portfolio management for both retail and accredited investors. The company is dedicated to providing accessible investment solutions, emphasizing low fees and personalized financial planning. StashAway's platform caters to a diverse audience by offering tools and resources that facilitate informed investment decisions. Its innovative investment strategy, ERAA® (Economic Regime-based Asset Allocation), aims to maximize long-term returns while managing individual risk exposure in response to changing economic conditions. Through its user-friendly mobile app, StashAway simplifies the investment process, making wealth management more approachable for a broad range of investors.

Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

WeShine Network is a marketing and service platform based in Nanjing, China, established in 2015. The company specializes in providing integrated marketing solutions, primarily utilizing the WeChat platform to facilitate corporate account management for business users. WeShine Network enables enterprises to attract and acquire customers through various channels, enhancing their marketing precision and broadening their customer base. With over 150,000 businesses served and more than 30,000 paid enterprise users, the company has built a substantial presence globally, supported by a network of over 600 channel partners. Its offices are located in major cities such as Guangzhou, Shenzhen, Beijing, Shanghai, Wuxi, and Wuhan.

Ula is a technology-driven distribution and credit marketplace application that focuses on supporting micro, small, and medium enterprises in Indonesia. Founded in 2020 and headquartered in Jakarta, with additional offices in Bengaluru and Singapore, Ula provides a B2B marketplace designed specifically for small retailers. The platform enables these retailers to access a diverse range of products at competitive prices while managing their inventory and supply chain more effectively. Ula offers favorable payment terms and working capital solutions, allowing store owners to stock only the inventory they need and ultimately enhance their profitability. By leveraging technology, Ula addresses key challenges in traditional retail, ensuring that small businesses can thrive in a rapidly evolving digital marketplace.

BukuKas is a neo-banking venture focused on integrating unbanked individuals in Southeast Asia into the financial ecosystem. Initially launched in Indonesia, the BukuKas app aims to support micro and small enterprises by digitizing traditional bookkeeping methods. The application allows business owners to easily record sales, expenses, and cash transactions using their smartphones. By simplifying cash management, BukuKas helps these enterprises enhance their profitability. Additionally, the app offers features such as transaction management, money transfer without bank fees, performance monitoring, automatic financial report generation, and stock management. Through these services, BukuKas seeks to improve cash flow management for small businesses in the region.

BukuKas is a neo-banking venture focused on integrating unbanked individuals in Southeast Asia into the financial ecosystem. Initially launched in Indonesia, the BukuKas app aims to support micro and small enterprises by digitizing traditional bookkeeping methods. The application allows business owners to easily record sales, expenses, and cash transactions using their smartphones. By simplifying cash management, BukuKas helps these enterprises enhance their profitability. Additionally, the app offers features such as transaction management, money transfer without bank fees, performance monitoring, automatic financial report generation, and stock management. Through these services, BukuKas seeks to improve cash flow management for small businesses in the region.

Bikayi is an e-commerce platform designed to empower aspiring entrepreneurs by enabling them to create and manage online stores easily. It offers customizable store themes, integrated payment gateways, multi-vendor support, delivery partner integration, digital marketing tools, SEO optimization, and social media engagement features.

PagarBook is a payroll and attendance management platform specifically designed for small and medium enterprises. Established in 2019 in Bangalore, Karnataka, by Arya Gautam, Adarsh Kumar, and Rupesh Mishra, the company offers an easy-to-use mobile and desktop application that streamlines various employee-related tasks. This includes managing attendance, salaries, advance payments, bonuses, and overtime, as well as work done on a piece or work basis. The platform allows SMEs to efficiently handle their workforce management needs in a single application, which synchronizes across multiple devices in real-time.

PagarBook is a payroll and attendance management platform specifically designed for small and medium enterprises. Established in 2019 in Bangalore, Karnataka, by Arya Gautam, Adarsh Kumar, and Rupesh Mishra, the company offers an easy-to-use mobile and desktop application that streamlines various employee-related tasks. This includes managing attendance, salaries, advance payments, bonuses, and overtime, as well as work done on a piece or work basis. The platform allows SMEs to efficiently handle their workforce management needs in a single application, which synchronizes across multiple devices in real-time.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

ShopUp is a Bangladesh-based technology company that operates a full-stack B2B commerce platform, designed specifically for small businesses. The platform provides these businesses with easy access to B2B sourcing, last-mile logistics, and buy-now-pay-later (BNPL) solutions. Headquartered in Dhaka, ShopUp aims to empower small businesses by offering them digital credit and business management tools, enabling them to access a wide range of products and services tailored to their needs.

Incomlend Pte. Ltd., established in Singapore in 2016 with global offices, operates an invoice financing platform that connects small and medium-sized enterprises (SMEs) worldwide with investors. Its secure, tech-enabled marketplace facilitates the sale of export and domestic trade receivables at a discount, enabling SMEs to access cash flow earlier. The platform supports live trading of invoices in multiple currencies across countries. Additionally, Incomlend has launched Asia's first structured finance program focused on ESG principles, connecting socially conscious investors with sustainable SMEs.

WeShine Network is a marketing and service platform based in Nanjing, China, established in 2015. The company specializes in providing integrated marketing solutions, primarily utilizing the WeChat platform to facilitate corporate account management for business users. WeShine Network enables enterprises to attract and acquire customers through various channels, enhancing their marketing precision and broadening their customer base. With over 150,000 businesses served and more than 30,000 paid enterprise users, the company has built a substantial presence globally, supported by a network of over 600 channel partners. Its offices are located in major cities such as Guangzhou, Shenzhen, Beijing, Shanghai, Wuxi, and Wuhan.

Tungee, founded in 2016, specializes in providing intelligent sales solutions for B2B enterprises. By leveraging artificial intelligence and big data, the company has developed a comprehensive sales forecasting platform that encompasses various functions, including lead mining, business opportunity engagement, customer relationship management, and order analysis. Tungee's innovative approach addresses the challenges faced by businesses in identifying, contacting, and managing customers, leading to more efficient acquisition of accurate sales leads and reduced customer acquisition costs. As a leader in the Chinese intelligent sales sector, Tungee has successfully served over 3,000 enterprise clients, including prominent organizations such as Alibaba and China Mobile.

Ula is a technology-driven distribution and credit marketplace application that focuses on supporting micro, small, and medium enterprises in Indonesia. Founded in 2020 and headquartered in Jakarta, with additional offices in Bengaluru and Singapore, Ula provides a B2B marketplace designed specifically for small retailers. The platform enables these retailers to access a diverse range of products at competitive prices while managing their inventory and supply chain more effectively. Ula offers favorable payment terms and working capital solutions, allowing store owners to stock only the inventory they need and ultimately enhance their profitability. By leveraging technology, Ula addresses key challenges in traditional retail, ensuring that small businesses can thrive in a rapidly evolving digital marketplace.

Khatabook is an Indian SaaS company empowering micro, small, and medium businesses by offering secure and efficient digital ledger solutions. It supports over 20 million registered users across 11+ languages.

KE Holdings Inc., known as Beike, operates a comprehensive platform for housing transactions and services in China, enhancing the user experience through both online and offline channels. Founded in 2001 and headquartered in Beijing, the company facilitates a range of housing-related transactions, including the sale and rental of existing and new homes, home renovation, and real estate financial solutions. Beike operates through its branded Lianjia stores in major cities like Beijing and Shanghai, while also collaborating with various third-party agencies, including franchise partners. The platform aims to create a high-quality ecosystem for real estate services, supporting over 100,000 property agents and reaching more than 200 million households. Additionally, Beike has expanded its offerings internationally, providing services for Chinese families seeking overseas properties across 11 countries. The company's growth strategy includes plans to cover over 300 cities in China and build a robust network of accredited partners.

Zenyum is a Singaporean start-up founded in 2018 that focuses on transforming dental care through technology and innovation. The company aims to make dental products and experiences accessible to everyone, believing that everyone deserves a better smile. Zenyum partners with numerous dentists to offer 3D-printed invisible braces and other dental products, ensuring they meet high-quality standards. By providing affordable and effective clear teeth aligning devices, Zenyum is redefining the dental category in Asia and enhancing dental routines for its customers.

Airalo is an eSIM storefront that provides travelers with digital SIM solutions for over 190 countries and regions. The company offers eSIMs at local rates for compatible smartphones, tablets, and PCs, allowing users to connect without carrying multiple physical SIM cards or changing numbers. Through a mobile app, Airalo enables customers to browse and activate plans themselves, delivering global connectivity and flexibility for international travel. By replacing traditional SIM cards with portable eSIM profiles, Airalo aims to simplify international roaming and help travelers stay connected wherever they go.

Khatabook is an Indian SaaS company empowering micro, small, and medium businesses by offering secure and efficient digital ledger solutions. It supports over 20 million registered users across 11+ languages.

Awfis Space Solutions Pvt. Ltd. is a provider of flexible office spaces for rent across major Indian cities, including Delhi, Mumbai, Pune, Bengaluru, Gurugram, and Hyderabad. Established in 2014 and headquartered in New Delhi, the company caters primarily to small and medium individual local entrepreneurs. Awfis operates a technology platform that allows users to book work desks, private cabins, meeting rooms, and business centers on a real-time basis, with flexible leasing options ranging from one hour to one year. The company enhances its community experience through a mobile application that facilitates interaction among members and promotes networking at events, seminars, and mixers. By collaborating with leading hotel chains, banks, and commercial space owners, Awfis has created a comprehensive ecosystem of high-quality workspaces designed to support modern business needs without long-term commitments.

Progcap is a financial services company based in New Delhi, India, focused on providing financial opportunities to micro and small businesses. Founded in 2017, the company employs a unique delivery model and advanced technology to underwrite credit for underbanked semi-urban and rural retailers. By utilizing non-traditional ecosystem data, Progcap creates credit scores for businesses often overlooked by conventional financial institutions. This innovative approach enables the company to offer flexible, collateral-free working capital and finance solutions tailored to the needs of micro and small enterprises. Progcap's mission is to empower these businesses by delivering affordable and timely credit, thereby fostering growth and economic development in underserved markets.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

Awfis Space Solutions Pvt. Ltd. is a provider of flexible office spaces for rent across major Indian cities, including Delhi, Mumbai, Pune, Bengaluru, Gurugram, and Hyderabad. Established in 2014 and headquartered in New Delhi, the company caters primarily to small and medium individual local entrepreneurs. Awfis operates a technology platform that allows users to book work desks, private cabins, meeting rooms, and business centers on a real-time basis, with flexible leasing options ranging from one hour to one year. The company enhances its community experience through a mobile application that facilitates interaction among members and promotes networking at events, seminars, and mixers. By collaborating with leading hotel chains, banks, and commercial space owners, Awfis has created a comprehensive ecosystem of high-quality workspaces designed to support modern business needs without long-term commitments.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

Keking is a company that operates a logistics cloud platform aimed at enhancing the digitalization of the logistics industry, particularly for small and medium-sized logistics firms. The company's offerings include a comprehensive online portal and a mobile application that serve as a one-stop shop for various logistics solutions. These solutions encompass order management, digital payments, vehicle management, and supply chain oversight, as well as capital turnover management. By integrating fully online services such as transportation management and capital settlement management, Keking provides enterprises with valuable options for collateral, information management, and financial transparency.

Akulaku is a Southeast Asia fintech platform that provides online credit and digital financial services. Founded in 2016 and based in Jakarta, Indonesia, it serves customers across Indonesia, the Philippines, and Malaysia with digital banking, digital financing, digital investment, and insurance brokerage offerings. The company operates a virtual credit card and ecommerce platform, as well as Asetku, an online wealth management service, and a mobile neobank supported by Bank Neo Commerce. It focuses on meeting the daily financial needs of underserved customers in emerging markets and aims to reach about 50 million users across Southeast Asia by 2025.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

Moka is a Jakarta-based technology company that specializes in developing a cloud-based point-of-sale application and integrated card reader solutions for small and medium-sized businesses. Founded in 2014, Moka's application enables users to process payments via debit and credit cards while also providing features such as sales reporting across multiple outlets, inventory tracking, customer feedback collection, and analytics. The company offers a range of hardware, including Apple iPads, printers, cash drawers, barcode scanners, and mobile point-of-sale devices, catering to various sectors such as coffee shops, barbershops, retail stores, and restaurants, as well as mobile vendors like food trucks and kiosks. Moka operates on a subscription-based model, charging users a monthly fee that varies according to the number of locations they manage. This approach allows business owners to access real-time sales data stored in the cloud from any location.

Shiheng Inc. is a prominent provider of online catering management solutions based in Shanghai, China. The company employs over 500 people and serves a diverse clientele, including more than 300 well-known restaurant chains and numerous single-store brands across over 100 cities. Shiheng's comprehensive system offers a range of services from food design to digital marketing and enterprise resource planning, facilitating efficient management for users with large networks of stores. Its innovative approach enables the catering industry to enhance operational efficiency in a rapidly evolving digital landscape.

Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

Awfis Space Solutions Pvt. Ltd. is a provider of flexible office spaces for rent across major Indian cities, including Delhi, Mumbai, Pune, Bengaluru, Gurugram, and Hyderabad. Established in 2014 and headquartered in New Delhi, the company caters primarily to small and medium individual local entrepreneurs. Awfis operates a technology platform that allows users to book work desks, private cabins, meeting rooms, and business centers on a real-time basis, with flexible leasing options ranging from one hour to one year. The company enhances its community experience through a mobile application that facilitates interaction among members and promotes networking at events, seminars, and mixers. By collaborating with leading hotel chains, banks, and commercial space owners, Awfis has created a comprehensive ecosystem of high-quality workspaces designed to support modern business needs without long-term commitments.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Shiheng Inc. is a prominent provider of online catering management solutions based in Shanghai, China. The company employs over 500 people and serves a diverse clientele, including more than 300 well-known restaurant chains and numerous single-store brands across over 100 cities. Shiheng's comprehensive system offers a range of services from food design to digital marketing and enterprise resource planning, facilitating efficient management for users with large networks of stores. Its innovative approach enables the catering industry to enhance operational efficiency in a rapidly evolving digital landscape.

Feidee is a Beijing-based company founded in 2010 that specializes in online platforms for personal finance management. The company enables users to track their daily expenses and manage their finances effectively through its mobile applications. One of its key offerings is Kaniu, a mobile application designed specifically for managing credit card expenditures. By allowing users to record their incomes and expenses, Feidee's platforms facilitate budgeting and enhance savings management, making personal finance more accessible and efficient for individuals.

Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

Awfis Space Solutions Pvt. Ltd. is a provider of flexible office spaces for rent across major Indian cities, including Delhi, Mumbai, Pune, Bengaluru, Gurugram, and Hyderabad. Established in 2014 and headquartered in New Delhi, the company caters primarily to small and medium individual local entrepreneurs. Awfis operates a technology platform that allows users to book work desks, private cabins, meeting rooms, and business centers on a real-time basis, with flexible leasing options ranging from one hour to one year. The company enhances its community experience through a mobile application that facilitates interaction among members and promotes networking at events, seminars, and mixers. By collaborating with leading hotel chains, banks, and commercial space owners, Awfis has created a comprehensive ecosystem of high-quality workspaces designed to support modern business needs without long-term commitments.

Ucommune is a flexible office space provider and manager headquartered in Beijing. It offers fully serviced, furnished workspaces with long-term, on-demand, and short-term leasing for freelancers, startups, small and medium-sized enterprises, and corporations. The company operates in China and internationally, including Singapore, New York City, San Francisco, and London, leveraging a member community and a platform to deliver workspace membership as well as marketing, branding, and related services.

Pulan builds a service platform for bulk financial product transactions for entity enterprises, small and medium-sized banks, and non-bank financial institutions, providing market participants with matching, consulting, data, software, knowledge process outsourcing, and other multi-faceted financial services covering bills, bonds, and funds.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Joyowo is an online human resources service platform that utilizes a Cloud+SaaS model to deliver a wide range of services aimed at improving labor management for small and medium-sized enterprises. The platform facilitates the online setup of social insurance and provident fund accounts, as well as online payments, tracking, inquiries, and transfers related to social insurance. Additionally, Joyowo offers comprehensive human resource services that include compensation management, commercial insurance, and personnel management. By providing these solutions, Joyowo enables enterprises to enhance the efficiency of their human resources processes, streamlining the management of employee benefits and compliance with regulatory requirements.

Keking is a company that operates a logistics cloud platform aimed at enhancing the digitalization of the logistics industry, particularly for small and medium-sized logistics firms. The company's offerings include a comprehensive online portal and a mobile application that serve as a one-stop shop for various logistics solutions. These solutions encompass order management, digital payments, vehicle management, and supply chain oversight, as well as capital turnover management. By integrating fully online services such as transportation management and capital settlement management, Keking provides enterprises with valuable options for collateral, information management, and financial transparency.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

Ucommune is a flexible office space provider and manager headquartered in Beijing. It offers fully serviced, furnished workspaces with long-term, on-demand, and short-term leasing for freelancers, startups, small and medium-sized enterprises, and corporations. The company operates in China and internationally, including Singapore, New York City, San Francisco, and London, leveraging a member community and a platform to deliver workspace membership as well as marketing, branding, and related services.

Joyowo is an online human resources service platform that utilizes a Cloud+SaaS model to deliver a wide range of services aimed at improving labor management for small and medium-sized enterprises. The platform facilitates the online setup of social insurance and provident fund accounts, as well as online payments, tracking, inquiries, and transfers related to social insurance. Additionally, Joyowo offers comprehensive human resource services that include compensation management, commercial insurance, and personnel management. By providing these solutions, Joyowo enables enterprises to enhance the efficiency of their human resources processes, streamlining the management of employee benefits and compliance with regulatory requirements.

Keking is a company that operates a logistics cloud platform aimed at enhancing the digitalization of the logistics industry, particularly for small and medium-sized logistics firms. The company's offerings include a comprehensive online portal and a mobile application that serve as a one-stop shop for various logistics solutions. These solutions encompass order management, digital payments, vehicle management, and supply chain oversight, as well as capital turnover management. By integrating fully online services such as transportation management and capital settlement management, Keking provides enterprises with valuable options for collateral, information management, and financial transparency.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

Feidee is a Beijing-based company founded in 2010 that specializes in online platforms for personal finance management. The company enables users to track their daily expenses and manage their finances effectively through its mobile applications. One of its key offerings is Kaniu, a mobile application designed specifically for managing credit card expenditures. By allowing users to record their incomes and expenses, Feidee's platforms facilitate budgeting and enhance savings management, making personal finance more accessible and efficient for individuals.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

19e is an O2O community services platform.

Equitas Holdings Limited, based in Chennai, India, operates as a non-banking financial institution through its subsidiaries. Founded in 2007, the company focuses on providing a range of financial services, including microfinance, vehicle finance, housing finance, and loans for micro and small enterprises, as well as agricultural and gold loans. It serves individuals and businesses, particularly those with limited access to traditional banking services. Additionally, Equitas Holdings engages in online freight facilitation under the Wowtruck brand. The company evolved from its original name, Equitas Micro Finance India Private Limited, in 2012, and it has since expanded its offerings to include a variety of financial products aimed at helping low-income customers and self-employed individuals.