Silicon Valley Bank

MoneyLion, Inc. is a mobile banking and financial membership platform based in Sandy, Utah, incorporated in 2013. The company provides an all-in-one mobile banking solution that includes services for banking, lending, and investment. Utilizing analytics and machine learning technology, MoneyLion offers personalized financial advice and streamlined underwriting by gaining a comprehensive view of users' finances. Its platform encourages positive financial behaviors through a built-in rewards system that promotes better financial outcomes. By delivering convenient and low-cost access to various financial services, MoneyLion aims to empower individuals to take control of their financial well-being through its innovative digital platform.

Mesa is a company focused on making homeownership more affordable and rewarding for consumers. By offering a rewards program, it incentivizes customers to earn benefits for every dollar they spend on their homes. Mesa aims to enhance the financial experience of homeowners, providing them with a platform that not only supports their purchasing decisions but also helps them realize the value of their investments. Through its innovative approach, the company seeks to transform the traditional homeownership landscape by integrating rewards and financial incentives into the process.

Carputty is a consumer automotive startup that offers a flexible and transparent car loan service designed to simplify the financing process for customers. Founded in 2020 by Patrick Bayliss and Joshua Tatum, the company provides a real-time line of credit that can be utilized for refinancing, purchasing, or leasing vehicles. Carputty distinguishes itself with a proprietary predictive valuation tool that assists users in understanding the optimal times to buy or sell their vehicles, promoting the idea of viewing cars as valuable assets. By prioritizing customer empowerment and ease of use, Carputty aims to enhance the car financing experience.

Achieve is a provider of digital personal finance solutions aimed at assisting individuals in improving their financial well-being. Headquartered in San Mateo, California, the company offers a range of services, including debt resolution, personal loans, and home equity loans. By utilizing proprietary data and analytics, Achieve delivers tailored financial tools and educational resources to support consumers on their financial journeys. Their approach includes personalized service and guidance from financial experts, enabling clients to manage and reduce debt, secure loans, and make informed financial decisions.

Plum Fintech Limited, established in 2016 and headquartered in London with additional offices in Athens and Nicosia, develops Plum, an AI-driven money management application operating on Facebook Messenger. The company's software employs algorithms to analyze users' spending habits, enabling automated tracking and management of finances. As of now, Plum has assisted over 2 million individuals across Europe, offering services such as effortless saving, empowered spending, and accessible investing, including pension and tax-wrapper products.

TomoCredit LLC, established in 2018 and headquartered in San Francisco, specializes in manufacturing electronic smart and credit cards designed for millennials with limited or no credit history. The company's core product enables users to build credit and qualify for loans by analyzing alternative data sources through a proprietary algorithm. TomoCredit offers a mobile application for account management and rewards customers with cryptocurrency for their purchases, facilitating instant loan access anytime, anywhere. The founding team comprises immigrant entrepreneurs who faced credit card challenges as foreign nationals, bringing together alumni from Coinbase, Kenetic Hedge Fund, Google, MIT, and UC Berkeley.

Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

Clasp, known as Stride Funding, is a company dedicated to providing innovative financial solutions for students seeking educational funding. It offers flexible income sharing agreements that allow students to pay a percentage of their future earnings rather than adhering to a fixed repayment schedule associated with traditional student loans. This structure ensures that repayments remain affordable and directly aligned with the student's income, promoting financial wellness. Clasp aims to protect students from financial strain during periods of adverse career outcomes while also capping total repayments to support their long-term financial security. The company has garnered recognition as a leading venture in the fintech space, receiving endorsements from institutions like Harvard and MIT, and has attracted investments from notable venture firms. Clasp was founded with the mission of transforming the student funding landscape, focusing on both financial support and career development.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Stilt Inc. is a financial technology company based in San Francisco, California, founded in 2015. It specializes in providing collateral-free personal loans to international students, graduates, immigrants, and underserved individuals in the United States who have limited or no credit history. Stilt's innovative lending platform employs both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at competitive interest rates. By facilitating access to capital, Stilt aims to empower immigrants and non-citizens in building their credit profiles and achieving financial stability.

Boston Private Financial Holdings, Inc. is a bank holding company that serves as the parent organization for Boston Private Bank & Trust Company, offering a diverse range of banking and wealth management services in the United States. The company operates through two primary segments: Private Banking and Wealth Management & Trust. Its Private Banking segment provides various deposit products, including checking, savings, and money market accounts, alongside an array of loan options such as residential mortgages, personal lines of credit, and commercial loans. The Wealth Management segment delivers comprehensive financial services, including investment strategies, financial planning, trust services, and tax planning to high net worth individuals, families, businesses, and nonprofit institutions. With offices located in major metropolitan areas including Boston, Miami, New York, Los Angeles, and San Francisco, Boston Private focuses on delivering tailored financial solutions to its clientele. Established in 1987 and headquartered in Boston, Massachusetts, the company has positioned itself as a premier provider in the high net worth marketplace.

TransferGo Ltd., established in 2012 and headquartered in London, specializes in international money transfers. It offers affordable, secure, and swift personal and commercial money transfer services, primarily targeting migrant workers sending funds to their families abroad. The company operates as a licensed and authorized payment institution, regulated by the Financial Conduct Authority (FCA) and supervised by Her Majesty's Revenue and Customs (HMRC). TransferGo charges a fixed fee per transaction, along with a currency conversion fee ranging from 0.6% to 1.5%. Its digital account-to-account business model enables users to transfer money overseas with same-day delivery, making it an efficient and cost-effective solution for both individuals and businesses.

Upgrade Inc., established in 2016 and headquartered in San Francisco with additional offices across North America, operates an online lending platform that combines access to personal loans and the Upgrade Card with free credit education tools and monitoring services. The company aims to provide affordable and responsible credit solutions to mainstream consumers, offering products such as personal loans and a unique credit card designed for use at retail locations nationwide. Additionally, Upgrade offers mobile banking products and educational resources to help consumers understand and manage their finances effectively.

Qwil PBC, established in 2015 and headquartered in San Francisco, operates a payment management platform tailored for independent contractors, freelancers, and small businesses. The company enables users to track, collect, and access their earnings early through its Qwil debit card, even before invoices are paid. This instant payment feature facilitates improved workforce recruitment and retention without affecting the cash flow of clients or marketplaces.

TotallyMoney Limited, founded in 2006 and based in London, operates a credit comparison platform that enables users to assess their eligibility for various financial products, including credit cards, loans, and mortgages from U.K. lenders. The platform incorporates tools such as a free credit report, live credit score, and proprietary technologies like Borrowing Power and Match Factor, which assist customers in making informed financial decisions and building better credit histories. Originally known as Media Ingenuity Ltd., the company rebranded to TotallyMoney Limited in August 2017. It aims to transform the consumer credit market by promoting transparency and accessibility in financial services. TotallyMoney Limited is a subsidiary of Media Ingenuity Group (Holdings) Limited.

Charlie Finance Co. is a financial services company established in 2016 and headquartered in San Francisco, California. The company specializes in developing a text message application designed to simplify personal finance for users. By monitoring transactions, the application identifies opportunities for savings, helps reduce expenses, and provides insights into spending habits. Additionally, it alerts users to significant financial matters, enabling them to manage their finances more effectively and reduce debt. Through its innovative approach, Charlie Finance aims to assist ordinary Americans in achieving greater financial stability and peace of mind.

Borrowell Inc. is a financial technology company based in Toronto, Canada, founded in 2014. It specializes in offering a range of financial products and services, including personal loans, credit cards, and free credit scores. Borrowell operates an online marketplace-lending platform that provides Canadians with access to borrowing options and unsecured consumer loans. The company is dedicated to enhancing financial prosperity for its users by offering tools for credit education, personalized credit coaching, and AI-driven recommendations for financial products. By delivering resources such as credit monitoring and tailored options from marketplace partners, Borrowell aims to help customers secure low-interest loans and improve their overall financial well-being.

Level, operating under the name Zero Financial, Inc., is a financial technology company based in San Francisco, California, that offers a modern mobile banking experience. The company's primary products include a mobile banking application, a debit card known as Zerocard, and a checking account called Zero Checking. The app provides users with real-time insights into their finances, displaying debit card purchases alongside other transactions to help manage their budgets effectively. Unlike traditional banking options, Zerocard combines the convenience of a debit card with the benefits of a credit card, offering users unlimited cash back rewards ranging from 1.0% to 3.0% on expenditures, as well as competitive annual interest rates on account balances. Level aims to eliminate common banking fees, striving to simplify personal finance management for its users.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Upgrade Inc., established in 2016 and headquartered in San Francisco with additional offices across North America, operates an online lending platform that combines access to personal loans and the Upgrade Card with free credit education tools and monitoring services. The company aims to provide affordable and responsible credit solutions to mainstream consumers, offering products such as personal loans and a unique credit card designed for use at retail locations nationwide. Additionally, Upgrade offers mobile banking products and educational resources to help consumers understand and manage their finances effectively.

Even.com is focused on enhancing financial resilience for employees, addressing the challenges faced by over half of Americans living paycheck to paycheck. The company develops a mobile budgeting application that automatically budgets upcoming bills, allowing users to manage their spending habits effectively. By partnering with employers, Even provides its services as a benefit, which not only supports employees in making ends meet, paying down debt, and saving money but also helps employers improve employee retention. The business operates transparently, ensuring that it profits only when its customers do. Even.com is based in Oakland, California, and Raleigh, North Carolina.

Qwil PBC, established in 2015 and headquartered in San Francisco, operates a payment management platform tailored for independent contractors, freelancers, and small businesses. The company enables users to track, collect, and access their earnings early through its Qwil debit card, even before invoices are paid. This instant payment feature facilitates improved workforce recruitment and retention without affecting the cash flow of clients or marketplaces.

Bench Accounting Inc. is a fintech company based in Vancouver, Canada, that specializes in providing online bookkeeping services for small businesses. Founded in 2012, the company combines intuitive software with a dedicated team of professional bookkeepers to automate accounting tasks, allowing clients to manage their finances more efficiently. Bench offers a range of services, including monthly financial statements, year-end financials, and year-round tax support, ensuring that business owners have access to comprehensive financial reporting and expert assistance. With a focus on affordability and convenience, Bench aims to streamline the bookkeeping process, empowering clients to concentrate on growing their businesses. The company has raised significant funding to support its operations and currently employs a workforce dedicated to serving thousands of clients across Canada.

Upgrade Inc., established in 2016 and headquartered in San Francisco with additional offices across North America, operates an online lending platform that combines access to personal loans and the Upgrade Card with free credit education tools and monitoring services. The company aims to provide affordable and responsible credit solutions to mainstream consumers, offering products such as personal loans and a unique credit card designed for use at retail locations nationwide. Additionally, Upgrade offers mobile banking products and educational resources to help consumers understand and manage their finances effectively.

Varo Money, Inc. is a digital bank based in San Francisco, California, that offers a range of online banking products and services, including bank and savings accounts, checking accounts, and overdraft protection. Established in 2015 and known for being the only U.S. consumer fintech with a national bank charter, Varo aims to serve as a comprehensive banking partner for millions of Americans, especially those seeking better financial solutions. The company combines fintech innovation with the security of a chartered bank, providing tools and insights to enhance financial resilience for its customers. Varo's platform also includes features such as spending analysis, real-time budgeting, cash flow forecasts, direct deposits, and online bill payments, all designed to empower users to make informed financial decisions and improve their overall financial well-being.

Personal Capital Corporation is a digital wealth management company that offers financial advisory services and innovative software solutions to help individuals manage their finances effectively. Founded in 2009 and headquartered in Redwood Shores, California, the company provides tools that allow users to monitor income, spending, and investment performance in one place. Its services include wealth management, personalized financial planning, risk assessments, and investment checkup tools. With a user base exceeding 2.5 million customers, Personal Capital combines advanced technology with expert guidance from registered investment advisors to deliver customized financial strategies aligned with clients' goals. Originally known as SafeCorp Financial Corp., the company rebranded to Personal Capital in June 2010, reflecting its commitment to enhancing personal financial management through technology.

EverFi, Inc. is a digital learning and education technology company that provides a diverse range of online courses focused on essential life skills for students. Its offerings include financial literacy, STEM readiness, health and wellness, diversity and inclusion, student loan management, digital citizenship, and career leadership, among others. The platform employs advanced instructional design techniques such as rich media, high-definition video, and interactive simulations to create an engaging learning experience. EverFi partners with over 7,000 schools, colleges, and universities across all 50 states, delivering its evidence-based programs free of charge to enhance educational outcomes. Founded in 2008 and based in Washington, D.C., the company aims to equip learners with the knowledge and skills necessary for success in the 21st century.

Standard Treasury is a financial technology company focused on simplifying the banking experience for businesses, particularly small enterprises and startups. By offering a financial application that utilizes standard application programming interfaces (APIs), the company facilitates smoother interactions between businesses and their banks. Their services include electronic checks, foreign exchange, rate quoting, and other essential banking functionalities, allowing businesses to manage financial transactions more efficiently. Standard Treasury aims to eliminate the complexities often associated with integrating banking services, which traditionally require cumbersome processes like sending large files with extensive specifications. Through its innovative approach, Standard Treasury seeks to streamline financial decision-making for its clients.

LendKey is a fintech company that provides white-label lending solutions for financial institutions. Founded in 2009, the company operates from offices in New York and Cincinnati. LendKey's platform manages the entire lending process, including demand generation, online decisioning, loan origination, customer service, and balance sheet management. It enables banks and credit unions to offer student loan refinancing, private student loans, and home improvement loans through their own brands, transforming them into digital lending businesses while mitigating financial risks and managing liquidity effectively.

NerdWallet, Inc. is a financial technology company that offers online tools and resources designed to empower consumers in making informed personal finance decisions. Founded in 2009 and based in San Francisco, California, NerdWallet provides insights and personalized advice across various financial areas, including credit cards, banking, mortgages, insurance, loans, investing, and education. The platform allows users to compare options, access expert content, and receive tailored guidance, helping them navigate complex financial landscapes with confidence. By offering free access to these resources, NerdWallet aims to simplify financial decision-making, enabling consumers to save time and money while achieving their financial goals.