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.

Founded in 2017, Pony offers a bike and e-scooter rental service via its mobile application. Headquartered in Oxford, UK, the company pioneers decentralized ownership of shared vehicles, allowing users to acquire and share bikes, with profits benefiting local economies.

Ooodles is a technology company that provides a self-service platform for businesses to rent laptops, mobile phones, and other tech devices on a flexible, pay-as-you-go monthly basis. The platform simplifies IT management, enabling companies to configure devices, resolve software issues, and handle equipment logistics from procurement to end-of-life. This service is particularly beneficial for small and medium-sized enterprises (SMEs), offering immediate access to devices, credit approvals, inventory management, and upgrades.

Founded in Madrid in 2019, StudentFinance is a company that provides educational financing services. It uses AI-driven data forecasting to select students with technical skills who can become software engineers, data analysts, or cybersecurity experts. The company invests in these students' education and helps them secure jobs, with repayment tied to future earnings.

Pledg is a provider of instant financing solutions tailored for e-commerce and in-store environments. The company enables merchants to enhance their conversion rates, increase average transaction values, and foster brand loyalty by allowing customers to make purchases immediately and pay later or in installments. Pledg's platform supports an omnichannel approach, featuring easy integration and a high acceptance rate, attributed to a distinctive scoring algorithm. Its offerings include shared payment options for group purchases, installment plans ranging from two to twelve payments without risk to the merchant, and deferred payment arrangements that allow customers to try items at home before committing to payment within 15, 30, or 45 days for the items they choose to keep. Pledg has successfully partnered with over 100 large accounts, many of which generate annual revenues exceeding one billion euros.

Pledg is a provider of instant financing solutions tailored for e-commerce and in-store environments. The company enables merchants to enhance their conversion rates, increase average transaction values, and foster brand loyalty by allowing customers to make purchases immediately and pay later or in installments. Pledg's platform supports an omnichannel approach, featuring easy integration and a high acceptance rate, attributed to a distinctive scoring algorithm. Its offerings include shared payment options for group purchases, installment plans ranging from two to twelve payments without risk to the merchant, and deferred payment arrangements that allow customers to try items at home before committing to payment within 15, 30, or 45 days for the items they choose to keep. Pledg has successfully partnered with over 100 large accounts, many of which generate annual revenues exceeding one billion euros.

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.