Smart Lenders Asset Management SA

Dance GmbH is a Berlin-based company that specializes in e-bike subscription services, aiming to enhance urban mobility through a seamless and sustainable transportation solution. Founded in 2020, Dance offers a monthly subscription model that includes a high-quality electric bike, maintenance, and theft replacement insurance. Users can manage their subscriptions via a mobile application, which provides features for tracking and controlling their bikes. The service is designed to make commuting more enjoyable by eliminating traffic jams, parking issues, and long wait times. By focusing on health, sustainability, and livable cities, Dance seeks to position the e-bike as the primary mode of transportation in urban environments. The company emphasizes a hassle-free experience, with fully assembled e-bikes delivered to customers' doors within 24 hours.

Pony Bikes Ltd, established in 2017 and based in Oxford, United Kingdom, specializes in bike and e-scooter rental services through a mobile application. The company distinguishes itself by decentralizing ownership of its vehicles, allowing users to acquire and share bikes and scooters. This innovative approach enables local vehicle owners to earn profits from rentals, fostering a community-focused economy. Pony aims to enhance micro-mobility solutions while ensuring that the benefits of shared transportation remain within the local environment.

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StudentFinance is an educational financial services provider founded in March 2019 in Madrid, Spain, by Mariano Kostelec. The company focuses on success-based financing, primarily targeting students with technical skills who aspire to become software engineers, data analysts, or cybersecurity experts. Using artificial intelligence, StudentFinance analyzes market demand for specific skills and identifies gaps in the workforce, allowing them to select suitable candidates through a data-driven process. This enables individuals to pursue training and upskilling opportunities while offering flexible repayment options based on their future employment success. By prioritizing career advancement and job placement, StudentFinance aims to empower students to achieve their professional goals while managing their financial obligations effectively.

Pledg is a provider of instant financing solutions for e-commerce and in-store transactions, designed to enhance the purchasing experience for both consumers and merchants. The platform enables private and professional buyers to make purchases immediately while opting for deferred or installment payments, allowing them to pay later or in multiple installments. This approach helps merchants boost their conversion rates, increase average basket sizes, and foster brand loyalty. Pledg's offerings include shared payment options for group purchases, installment plans ranging from two to twelve payments, and deferred payment arrangements that let customers try items at home before committing to payment. The integration of Pledg's services is straightforward, and its unique scoring algorithm contributes to a high acceptance rate. The company has already established partnerships with over 100 large accounts, many of which generate over €1 billion in turnover.

Pledg is a provider of instant financing solutions for e-commerce and in-store transactions, designed to enhance the purchasing experience for both consumers and merchants. The platform enables private and professional buyers to make purchases immediately while opting for deferred or installment payments, allowing them to pay later or in multiple installments. This approach helps merchants boost their conversion rates, increase average basket sizes, and foster brand loyalty. Pledg's offerings include shared payment options for group purchases, installment plans ranging from two to twelve payments, and deferred payment arrangements that let customers try items at home before committing to payment. The integration of Pledg's services is straightforward, and its unique scoring algorithm contributes to a high acceptance rate. The company has already established partnerships with over 100 large accounts, many of which generate over €1 billion in turnover.

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, and other underserved individuals, including immigrants and visa holders, who often lack a credit history in the United States. Stilt's lending platform utilizes both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at lower interest rates. By doing so, Stilt enables immigrants to access capital and build their credit, addressing a significant gap in the traditional lending market.