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Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Flow48 is a platform that specializes in revenue-based financing, providing companies with access to capital to stabilize their cash flow. The platform offers upfront lump-sum investments that businesses can use for purposes such as inventory purchases or capital expenditures. This funding model allows companies to generate future revenues while benefiting from rapid access to funds and flexible repayment options. Flow48 aims to support businesses in their growth and operational needs through innovative financial solutions.

Oze is a digital platform designed to support small and medium-sized enterprises (SMEs) in Africa by providing tools for managing sales, expenses, and customer data. The app enables entrepreneurs to track their financial activities efficiently and offers tailored recommendations, reports, and business education to enhance their operations. Oze also provides access to coaching for users seeking additional guidance. By leveraging data and machine learning, Oze can assess credit risk and facilitate affordable financing options through banking partners. With a user base exceeding 150,000, Oze has established itself as the largest online community of SMEs in West Africa, demonstrating significant impact as 97% of businesses using Oze for over nine months have reported growth or profitability.

Mundi is a fintech company that transforms financial technology by offering access to capital market products and opportunities to businesses of all sizes.

Meisterwerk is a provider of a SaaS operating system tailored for small and medium-sized field service and craftsman companies. The company's application enhances operational efficiency by automating planning and coordination processes between offices and job sites. It facilitates mobile time tracking, digital forms, and information exchange, enabling seamless communication between the office and the workforce. By allowing managers to oversee employee resource allocation and track job progress in real-time, Meisterwerk helps firms optimize their operations, improve profitability, and unlock growth potential.

Sona is a developer of a workforce management application for various industries. Its workforce technology is designed to change how employees manage their work and interact with their employers. Its features include a live schedule view, absence management, instant messaging, and Open Shifts, a shift booking platform matching shift vacancies with employees willing to take on more hours.

Kema is Fintech SaaS platform that aims to accelerate cashflow for B2B SMEs in MENA. Kema transforms how businesses sell to one another by digitizing, automating, and streamlining the invoice-to-cash process, also known as accounts receivable. Businesses benefit from shorter transactions cycles while saving both time and money.

Flow48 is a platform that specializes in revenue-based financing, providing companies with access to capital to stabilize their cash flow. The platform offers upfront lump-sum investments that businesses can use for purposes such as inventory purchases or capital expenditures. This funding model allows companies to generate future revenues while benefiting from rapid access to funds and flexible repayment options. Flow48 aims to support businesses in their growth and operational needs through innovative financial solutions.

Maqsad is an edtech company that operates an online learning platform aimed at making education more accessible to students, particularly in elementary education and STEM subjects. The platform provides localized academic content presented in both English and Urdu, allowing it to cater to a broader audience of school-going children. Additionally, Maqsad incorporates interactive elements such as quizzes and gamified features to enhance the learning experience and engage students effectively.

palm.hr is a revolutionary customer-focused company. They maintain sane working hours while still conducting business. They believe that great software should be available and affordable to everyone, not just large corporations and enterprises. They aim to solve administration and enable HR efficiency by providing frameworks, tools, and technology.

Lizee is a logistics and managed services provider specializing in rental business solutions aimed at enhancing the environmental sustainability of the retail sector. The company has developed a rental logistics platform that streamlines various aspects of the rental process, including e-commerce site optimization, packing, shipping, and payment processing for rented products. Additionally, Lizee's services encompass quality checks for returned items, allowing organizations to effectively transition to a circular rental model that aligns with evolving consumer preferences.

Simbel is an edtech company based in Paris, France, that focuses on assisting small and medium-sized businesses in enhancing their learning and development (L&D) practices. Founded in 2021, Simbel provides a SaaS-enabled marketplace that connects employees with curated training courses tailored to their individual development needs. The platform integrates seamlessly with existing HR systems, beginning with performance reviews to identify areas for improvement. By streamlining L&D workflows and optimizing training budgets, Simbel aims to create a culture of continuous learning within organizations. Its services not only enhance employee engagement but also support career progression and personal enrichment, ultimately transforming companies into more effective learning environments.

Friday Finance is a financial management platform tailored for startups and small to medium-sized businesses in Europe. Established in 2021 and based in Berlin, the company aims to simplify B2B finance by offering an integrated solution for collecting, paying, and financing invoices. By connecting with users' existing bank accounts, Friday Finance provides real-time insights into cash flow, enabling businesses to pay bills, create financial forecasts, and streamline month-end processes. The platform enhances control and visibility while automating various financial tasks, allowing modern finance teams to operate more efficiently from a single interface.

Pemo is a comprehensive spend management solution designed to streamline financial processes for small and medium enterprises in the MENAP region. The platform integrates smart corporate cards, invoice payment systems, and expense tracking features to provide businesses with complete visibility and control over their expenditures. With tools for accounting automation and real-time reporting, Pemo enables efficient management of employee expenses, allowing organizations to save time and reduce administrative burdens. By centralizing invoicing, approvals, and spending decisions, Pemo empowers businesses to focus on growth while maintaining financial oversight.

Meisterwerk is a provider of a SaaS operating system tailored for small and medium-sized field service and craftsman companies. The company's application enhances operational efficiency by automating planning and coordination processes between offices and job sites. It facilitates mobile time tracking, digital forms, and information exchange, enabling seamless communication between the office and the workforce. By allowing managers to oversee employee resource allocation and track job progress in real-time, Meisterwerk helps firms optimize their operations, improve profitability, and unlock growth potential.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Sona is a developer of a workforce management application for various industries. Its workforce technology is designed to change how employees manage their work and interact with their employers. Its features include a live schedule view, absence management, instant messaging, and Open Shifts, a shift booking platform matching shift vacancies with employees willing to take on more hours.

+Simple is an insurance Robo-Broker focused on providing tailored insurance solutions for freelancers and small to medium-sized enterprises. The company operates a technology platform that optimizes insurance coverage based on the duration of contracts and personalizes offers according to the specific activities of its clients and their evolving needs. Its secure online subscription service allows users to access their insurance contracts in a digital format, stored in a virtual safe. This approach enables clients to efficiently manage their insurance requirements and claims, ensuring they receive competitive and relevant coverage.

Oze is a digital platform designed to support small and medium-sized enterprises (SMEs) in Africa by providing tools for managing sales, expenses, and customer data. The app enables entrepreneurs to track their financial activities efficiently and offers tailored recommendations, reports, and business education to enhance their operations. Oze also provides access to coaching for users seeking additional guidance. By leveraging data and machine learning, Oze can assess credit risk and facilitate affordable financing options through banking partners. With a user base exceeding 150,000, Oze has established itself as the largest online community of SMEs in West Africa, demonstrating significant impact as 97% of businesses using Oze for over nine months have reported growth or profitability.

Yolda.com is a B2B freight forwarding company focused on automating and digitizing logistics operations to enhance the efficiency of transportation processes. By leveraging advanced technology and data analytics, Yolda.com offers a marketplace solution that connects various local forwarders and logistics companies, allowing small to medium-sized enterprises and corporate clients to obtain instant quotes for multiple shipment requests on a single platform. The company provides services for partial and full truckload shipments, along with shipment tracking, payment monitoring, and detailed reporting through its intelligent control panel. This integrated approach aims to deliver a high-quality logistics experience, making operations more paperless, faster, and transparent for its customers.

Nook is a developer of a trade collaboration platform focused on providing payment and invoicing solutions for small-to-medium enterprises (SMEs). The platform is designed to simplify the payment process by integrating features such as invoice processing, approval workflows, secure payments, and account reconciliation. Additionally, Nook incorporates fraud protection measures aimed at eliminating invoice fraud, ensuring that business owners can process their invoices and bill payments with ease and security. This comprehensive approach allows SMEs to manage their financial transactions more effectively.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Seafair provides an integrated platform for maritime crewing services, facilitating connections between seafarers and shipping companies. The company has developed a specialized crewing management software that enhances the traditional methods of shipping crewing. Utilizing a proprietary vetting process, the platform employs advanced technology, data analytics, and ranking algorithms to ensure that seafarers can easily find suitable job opportunities while allowing shipping companies to identify the most qualified candidates. This innovation enables users to manage the recruitment process efficiently from their homes, streamlining operations in the maritime industry.

Sona is a developer of a workforce management application for various industries. Its workforce technology is designed to change how employees manage their work and interact with their employers. Its features include a live schedule view, absence management, instant messaging, and Open Shifts, a shift booking platform matching shift vacancies with employees willing to take on more hours.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

FairMoney is a credit-led mobile bank for emerging markets. It was launched in 2017 and operates in Nigeria and India. Its goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. It offers a range of digital financial products including, near-instant digital loans, investment products, savings, payments, and cards via mobile app.

Tulipshare is an activist investor platform that empowers retail investors to influence the governance of major public companies. By combining crowdfunding with shareholder rights, it allows individuals to invest in well-known companies with as little as one euro. This innovative approach enables investors to express their values and advocate for ethical changes within corporate boardrooms. Through collective action, Tulipshare seeks to amplify the voices of retail shareholders, facilitating a new way for them to engage in the investment process and contribute to significant corporate reforms.

Lizee is a logistics and managed services provider specializing in rental business solutions aimed at enhancing the environmental sustainability of the retail sector. The company has developed a rental logistics platform that streamlines various aspects of the rental process, including e-commerce site optimization, packing, shipping, and payment processing for rented products. Additionally, Lizee's services encompass quality checks for returned items, allowing organizations to effectively transition to a circular rental model that aligns with evolving consumer preferences.

Friday Finance is a financial management platform tailored for startups and small to medium-sized businesses in Europe. Established in 2021 and based in Berlin, the company aims to simplify B2B finance by offering an integrated solution for collecting, paying, and financing invoices. By connecting with users' existing bank accounts, Friday Finance provides real-time insights into cash flow, enabling businesses to pay bills, create financial forecasts, and streamline month-end processes. The platform enhances control and visibility while automating various financial tasks, allowing modern finance teams to operate more efficiently from a single interface.

Yolda.com is a B2B freight forwarding company focused on automating and digitizing logistics operations to enhance the efficiency of transportation processes. By leveraging advanced technology and data analytics, Yolda.com offers a marketplace solution that connects various local forwarders and logistics companies, allowing small to medium-sized enterprises and corporate clients to obtain instant quotes for multiple shipment requests on a single platform. The company provides services for partial and full truckload shipments, along with shipment tracking, payment monitoring, and detailed reporting through its intelligent control panel. This integrated approach aims to deliver a high-quality logistics experience, making operations more paperless, faster, and transparent for its customers.

Receeve is a customizable online platform designed for collections and recovery, aimed at simplifying the complexities of data and systems involved in credit management. The platform enables in-house teams to automate processes, engage customers, and leverage comprehensive insights to enhance debt recovery while minimizing risks. It supports all stages of credit management, from pre-delinquency to portfolio assignment and sale. Receeve's cloud-native, no-code solution is designed for quick deployment and easy management, allowing users to customize and expand functionalities as needed. By integrating intelligence, strategy, and operations into a single platform, receeve aims to improve operational effectiveness and transparency in debt servicing for companies, financial institutions, and funds of various sizes.

Friday Finance is a financial management platform tailored for startups and small to medium-sized businesses in Europe. Established in 2021 and based in Berlin, the company aims to simplify B2B finance by offering an integrated solution for collecting, paying, and financing invoices. By connecting with users' existing bank accounts, Friday Finance provides real-time insights into cash flow, enabling businesses to pay bills, create financial forecasts, and streamline month-end processes. The platform enhances control and visibility while automating various financial tasks, allowing modern finance teams to operate more efficiently from a single interface.

SwipeGuide B.V. is a company based in Amsterdam, Netherlands, that specializes in developing a cloud-based platform for creating and sharing visual step-by-step instructions. Founded in 2015, the platform targets the manufacturing sector, providing mobile-first frontline training and job tools. Users can easily design, edit, and publish instructional content, which can be accessed through mobile apps and websites. This solution aims to enhance the instruction experience while reducing the reliance on paper and minimizing customer service costs, all without requiring extensive knowledge of instructional design or technical writing.

Elephant Healthcare Limited, founded in 2018 and based in London, develops a digital health system aimed at revolutionizing global healthcare. The company constructs a global digital health network that links various components of the healthcare ecosystem. Founded by medical professionals, Elephant leverages technological innovations to tackle significant challenges in healthcare, focusing on cost reduction and improving patient outcomes. Its software platform digitizes medical clinics, fostering connectivity and providing tools to enhance primary care. Additionally, the platform utilizes blockchain and decentralized infrastructure to integrate existing services and facilitate the development of new health applications, particularly benefiting hospitals serving low-income populations.

Wasmer, Inc., founded in 2018 and based in San Francisco, California, specializes in a WebAssembly package manager that allows for the universal execution of WebAssembly files. The company provides a runtime programming software designed to run lightweight packages, which enables developers to utilize familiar tools and programming languages while compiling their code. By facilitating the execution of any code, Wasmer aims to empower developers globally, helping them maximize their potential in a seamless manner. The company's culture emphasizes collaboration and diligence among its distributed team, reflecting a shared commitment to enhancing the developer experience.

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.

Factris is a fintech company founded in 2017 and headquartered in Amsterdam, Noord-Holland, that focuses on providing financial solutions for small and medium-sized enterprises (SMEs). The company specializes in factoring, debt management, debtor insurance, and invoice finance by purchasing unpaid invoices to provide immediate working capital. Its platform allows businesses to convert their outstanding invoices into cash within one business day, thereby addressing their cash flow needs efficiently. By modernizing the traditional factoring model, Factris enables SMEs across Europe to access flexible credit lines that support their growth and operational requirements.

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.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in automated accounting software tailored for small and medium-sized enterprises. The company leverages artificial intelligence to streamline financial processes, including invoice collection, data capture, pre-accounting, and payment management. By integrating with bank accounts, credit cards, and online payment systems, CANDIS provides real-time insights into financial obligations and outstanding invoices, facilitating improved collaboration among finance teams and tax advisors. With a customer base comprising thousands of users, CANDIS is committed to advancing its technology to enhance the efficiency of financial workflows.

Lizee is a logistics and managed services provider specializing in rental business solutions aimed at enhancing the environmental sustainability of the retail sector. The company has developed a rental logistics platform that streamlines various aspects of the rental process, including e-commerce site optimization, packing, shipping, and payment processing for rented products. Additionally, Lizee's services encompass quality checks for returned items, allowing organizations to effectively transition to a circular rental model that aligns with evolving consumer preferences.

MindsDB Inc. is an automated machine learning platform that enables organizations to derive insights from their data through predictive analytics. Founded in 2017 by Adam Carrigan and Jorge Torres, the company offers a solution that allows users to pose predictive questions and receive accurate answers, thereby democratizing access to machine learning capabilities. The platform is versatile and applicable across various industries, including retail, finance, healthcare, and manufacturing, addressing needs such as credit scoring, customer lifetime value optimization, fraud detection, and risk assessment. By automating the predictive modeling process, MindsDB allows businesses to achieve the functionalities of skilled data scientists at a reduced cost, thereby transforming databases into effective data science teams. The company, which is based in Berkeley, California, was a participant in YCombinator's Winter 2020 batch and has received recognition as one of America's promising AI companies.

FinCompare was founded by Stephan Heller and is a fintech startup that helps businesses to find, compare, and close the financing solutions. Via the online platform, companies can access a wide range of financing options. They can independently compare offers from well-known banks, fintechs, and alternative financial services providers in Germany and close the financing. The company also offers a convenient one-stop destination for all financing questions relating to the company. FinCompare financing solutions including corporate loan, factoring, company leasing/hire purchase, warehouse financing, fine trading/purchase financing, and mezzanine capital. It simplifies the financing process with its digital application process and can thus provide your company financing. The company allows SMEs to receive and compare various offers for loans. FinCompare was founded in October 2016 by Stephan Heller and is headquartered in Berlin, Germany.

ready2order is a fintech platform designed to support small and medium-sized businesses by offering a comprehensive digital cash-register application. Launched in 2015, the platform has successfully simplified operations for over 10,000 entrepreneurs, helping them manage various aspects of their businesses, including cash book maintenance, employee management, sales tracking, inventory management, and compliance with regulations. As ready2order expands into the German market, it aims to enhance the capabilities of small businesses, allowing them to navigate the complexities of self-employment and economic challenges more effectively. The company's mission focuses on empowering entrepreneurs with smart software solutions, enabling them to focus on their core passions while reducing administrative burdens. Through collaboration with experts in tax consulting, business, and law, ready2order strives to create tools that foster independence and clarity for small business owners, ultimately enhancing their operational freedom and economic potential.

Receeve is a customizable online platform designed for collections and recovery, aimed at simplifying the complexities of data and systems involved in credit management. The platform enables in-house teams to automate processes, engage customers, and leverage comprehensive insights to enhance debt recovery while minimizing risks. It supports all stages of credit management, from pre-delinquency to portfolio assignment and sale. Receeve's cloud-native, no-code solution is designed for quick deployment and easy management, allowing users to customize and expand functionalities as needed. By integrating intelligence, strategy, and operations into a single platform, receeve aims to improve operational effectiveness and transparency in debt servicing for companies, financial institutions, and funds of various sizes.

Meisterwerk is a provider of a SaaS operating system tailored for small and medium-sized field service and craftsman companies. The company's application enhances operational efficiency by automating planning and coordination processes between offices and job sites. It facilitates mobile time tracking, digital forms, and information exchange, enabling seamless communication between the office and the workforce. By allowing managers to oversee employee resource allocation and track job progress in real-time, Meisterwerk helps firms optimize their operations, improve profitability, and unlock growth potential.

FairMoney is a credit-led mobile bank for emerging markets. It was launched in 2017 and operates in Nigeria and India. Its goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. It offers a range of digital financial products including, near-instant digital loans, investment products, savings, payments, and cards via mobile app.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Kerala Startup Mission (KSUM) is a government agency established in 2006, located in Trivandrum, India. It plays a crucial role in fostering a dynamic startup ecosystem in Kerala by providing state-of-the-art facilities and networking opportunities for entrepreneurs. KSUM focuses on encouraging innovation in various sectors beyond software and IT, promoting the development of future technologies and novel solutions to contemporary challenges. The agency facilitates exposure to both national and international startup ecosystems, enabling local startups to gain recognition and success on global platforms. It also implements supportive policies, such as the Kerala technology startup policy of 2014 and the updated State IT policy of 2017, to enhance the entrepreneurial landscape in the region. Through its initiatives, KSUM aims to nurture and empower startups, helping them thrive in a competitive environment.

Estateguru is a leading Pan-European marketplace that facilitates property-backed loans for small and medium-sized enterprises (SMEs) while providing investment opportunities for a global investor base. The platform creates a digital and borderless ecosystem for real estate financing, connecting various service providers, SMEs, and investors in a single marketplace. By doing so, it offers a unique service that bypasses traditional banks and financial institutions, allowing for seamless cross-border transactions. Estateguru enhances returns for investors and expands borrowing options for businesses by managing short-term asset-backed property finance. With a team of 117 professionals from 21 nationalities, the company operates from locations including Berlin, Manchester, Helsinki, Yerevan, Tallinn, Riga, and Vilnius.

GoStudent is an online tutoring platform that connects students with tutors for personalized, one-to-one video-based lessons across more than 20 subjects. The service operates on a membership model, allowing users to book lessons through its application, accessible via computers and mobile devices. Each session takes place in a virtual classroom equipped with interactive features such as a whiteboard, screen sharing, and document editing tools. GoStudent serves a diverse clientele, including primary, secondary, and college-aged students, and currently boasts around 15,000 customers and a network of 5,500 international tutors. The platform facilitates over 400,000 tutoring sessions each month and is supported by a team of more than 600 employees across 12 international offices. Additionally, GoStudent incorporates artificial intelligence in its tutor selection process and offers a free social homework chat for students to discuss questions and collaborate. Since its inception, the company has successfully raised over €291 million in funding.

Open Financial Technologies Pvt Ltd, established in 2016 and based in Bengaluru, India, specializes in developing an online platform for banking and intercompany settlement. The company provides digital banking services tailored for startups and small to medium enterprises (SMEs), offering digital bank accounts equipped with tools for bookkeeping, invoicing, money transfers, and credit access. Additionally, Open's application programming interface (API) platform enables financial institutions to integrate banking and payment functionalities into their applications and accounting systems.

Koalaboox, incorporated in 2004 and based in Evere, Belgium, specializes in cloud-based billing management software tailored for small businesses, particularly micro-companies. The company provides a user-friendly web-based platform that simplifies invoicing and cash collection processes through automation. Its unique "one-click" solution enables businesses to access receivables-based financing, or factoring, while employing credit risk algorithms and authentication systems to assess the creditworthiness of customers and debtors. As a subsidiary of Cegid Group SA since December 2020, Koalaboox aims to become a comprehensive resource for small businesses, streamlining their financial operations and enhancing overall efficiency.

Open Financial Technologies Pvt Ltd, established in 2016 and based in Bengaluru, India, specializes in developing an online platform for banking and intercompany settlement. The company provides digital banking services tailored for startups and small to medium enterprises (SMEs), offering digital bank accounts equipped with tools for bookkeeping, invoicing, money transfers, and credit access. Additionally, Open's application programming interface (API) platform enables financial institutions to integrate banking and payment functionalities into their applications and accounting systems.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Factris is a fintech company founded in 2017 and headquartered in Amsterdam, Noord-Holland, that focuses on providing financial solutions for small and medium-sized enterprises (SMEs). The company specializes in factoring, debt management, debtor insurance, and invoice finance by purchasing unpaid invoices to provide immediate working capital. Its platform allows businesses to convert their outstanding invoices into cash within one business day, thereby addressing their cash flow needs efficiently. By modernizing the traditional factoring model, Factris enables SMEs across Europe to access flexible credit lines that support their growth and operational requirements.

MindsDB Inc. is an automated machine learning platform that enables organizations to derive insights from their data through predictive analytics. Founded in 2017 by Adam Carrigan and Jorge Torres, the company offers a solution that allows users to pose predictive questions and receive accurate answers, thereby democratizing access to machine learning capabilities. The platform is versatile and applicable across various industries, including retail, finance, healthcare, and manufacturing, addressing needs such as credit scoring, customer lifetime value optimization, fraud detection, and risk assessment. By automating the predictive modeling process, MindsDB allows businesses to achieve the functionalities of skilled data scientists at a reduced cost, thereby transforming databases into effective data science teams. The company, which is based in Berkeley, California, was a participant in YCombinator's Winter 2020 batch and has received recognition as one of America's promising AI companies.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in automated accounting software tailored for small and medium-sized enterprises. The company leverages artificial intelligence to streamline financial processes, including invoice collection, data capture, pre-accounting, and payment management. By integrating with bank accounts, credit cards, and online payment systems, CANDIS provides real-time insights into financial obligations and outstanding invoices, facilitating improved collaboration among finance teams and tax advisors. With a customer base comprising thousands of users, CANDIS is committed to advancing its technology to enhance the efficiency of financial workflows.

GoStudent is an online tutoring platform that connects students with tutors for personalized, one-to-one video-based lessons across more than 20 subjects. The service operates on a membership model, allowing users to book lessons through its application, accessible via computers and mobile devices. Each session takes place in a virtual classroom equipped with interactive features such as a whiteboard, screen sharing, and document editing tools. GoStudent serves a diverse clientele, including primary, secondary, and college-aged students, and currently boasts around 15,000 customers and a network of 5,500 international tutors. The platform facilitates over 400,000 tutoring sessions each month and is supported by a team of more than 600 employees across 12 international offices. Additionally, GoStudent incorporates artificial intelligence in its tutor selection process and offers a free social homework chat for students to discuss questions and collaborate. Since its inception, the company has successfully raised over €291 million in funding.

Credi2 develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. The company utilizes a proven technology platform that automates all processes, from initial customer engagement to the collection of outstanding claims. Credi2 collaborates with various institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. A notable product offered to end customers is cashpresso, an app that allows users to pay expenses in flexible installments, enhancing the accessibility of credit options.

FinCompare was founded by Stephan Heller and is a fintech startup that helps businesses to find, compare, and close the financing solutions. Via the online platform, companies can access a wide range of financing options. They can independently compare offers from well-known banks, fintechs, and alternative financial services providers in Germany and close the financing. The company also offers a convenient one-stop destination for all financing questions relating to the company. FinCompare financing solutions including corporate loan, factoring, company leasing/hire purchase, warehouse financing, fine trading/purchase financing, and mezzanine capital. It simplifies the financing process with its digital application process and can thus provide your company financing. The company allows SMEs to receive and compare various offers for loans. FinCompare was founded in October 2016 by Stephan Heller and is headquartered in Berlin, Germany.

FairMoney is a credit-led mobile bank for emerging markets. It was launched in 2017 and operates in Nigeria and India. Its goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. It offers a range of digital financial products including, near-instant digital loans, investment products, savings, payments, and cards via mobile app.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Cyberwrite specializes in cyber insurance and technology for small and medium-sized businesses (SMBs). The company utilizes its patented 4SEEN algorithms for underwriting and risk management, providing a comprehensive platform that enables real-time cyber risk assessments. This technology supports brokers in selling, underwriting, and managing cyber insurance policies effectively. Founded by experienced professionals from the insurance industry, Cyberwrite serves carriers and brokers in over 20 countries and in seven languages, enhancing their ability to address cyber risks and improve profitability in the cyber insurance market.

FinCompare was founded by Stephan Heller and is a fintech startup that helps businesses to find, compare, and close the financing solutions. Via the online platform, companies can access a wide range of financing options. They can independently compare offers from well-known banks, fintechs, and alternative financial services providers in Germany and close the financing. The company also offers a convenient one-stop destination for all financing questions relating to the company. FinCompare financing solutions including corporate loan, factoring, company leasing/hire purchase, warehouse financing, fine trading/purchase financing, and mezzanine capital. It simplifies the financing process with its digital application process and can thus provide your company financing. The company allows SMEs to receive and compare various offers for loans. FinCompare was founded in October 2016 by Stephan Heller and is headquartered in Berlin, Germany.

GoStudent is an online tutoring platform that connects students with tutors for personalized, one-to-one video-based lessons across more than 20 subjects. The service operates on a membership model, allowing users to book lessons through its application, accessible via computers and mobile devices. Each session takes place in a virtual classroom equipped with interactive features such as a whiteboard, screen sharing, and document editing tools. GoStudent serves a diverse clientele, including primary, secondary, and college-aged students, and currently boasts around 15,000 customers and a network of 5,500 international tutors. The platform facilitates over 400,000 tutoring sessions each month and is supported by a team of more than 600 employees across 12 international offices. Additionally, GoStudent incorporates artificial intelligence in its tutor selection process and offers a free social homework chat for students to discuss questions and collaborate. Since its inception, the company has successfully raised over €291 million in funding.

Credi2 develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. The company utilizes a proven technology platform that automates all processes, from initial customer engagement to the collection of outstanding claims. Credi2 collaborates with various institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. A notable product offered to end customers is cashpresso, an app that allows users to pay expenses in flexible installments, enhancing the accessibility of credit options.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in automated accounting software tailored for small and medium-sized enterprises. The company leverages artificial intelligence to streamline financial processes, including invoice collection, data capture, pre-accounting, and payment management. By integrating with bank accounts, credit cards, and online payment systems, CANDIS provides real-time insights into financial obligations and outstanding invoices, facilitating improved collaboration among finance teams and tax advisors. With a customer base comprising thousands of users, CANDIS is committed to advancing its technology to enhance the efficiency of financial workflows.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Telleroo is a financial software platform founded on June 1, 2016, by Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro, with its headquarters in London, United Kingdom. The platform is designed to facilitate automated bulk payments, allowing businesses to efficiently manage payroll, supplier payments, and other financial transactions without relying on traditional bank services. It integrates seamlessly with various accounting systems and payment applications, enabling users to import payment files and streamline their financial processes. Through its innovative approach, Telleroo aims to simplify the payment experience for businesses and financial professionals.

Tradico AG, based in Ruggell, Liechtenstein, specializes in providing bank-independent financial services that facilitate working capital for small and medium-sized enterprises (SMEs) engaged in global trade. The company operates an online platform that allows clients to quickly assess payment terms, finance their inventory, and settle supplier invoices without the need for traditional banking processes. By leveraging a straightforward registration process and an intuitive drag-and-drop interface, Tradico enables suppliers and buyers to complete transactions efficiently and reliably. This approach allows buyers to extend their payment timelines while ensuring suppliers receive prompt payments, thus streamlining the financing of trade transactions. As of June 2019, Tradico operates as a subsidiary of Bank Frick & Co. Aktiengesellschaft.

Credi2 develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. The company utilizes a proven technology platform that automates all processes, from initial customer engagement to the collection of outstanding claims. Credi2 collaborates with various institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. A notable product offered to end customers is cashpresso, an app that allows users to pay expenses in flexible installments, enhancing the accessibility of credit options.

Pleo is a Copenhagen-based company founded in 2015 by Jeppe Rindom and Niccolo Perra, dedicated to transforming business spending for modern teams. The company offers an all-in-one platform designed to simplify the expense management process. Its innovative solution includes smart company cards and a user-friendly mobile application that automatically matches receipts and tracks spending in real-time. Pleo's platform eliminates the need for traditional expense reports and streamlines bookkeeping tasks by integrating directly with accounting software, providing businesses with comprehensive visibility and control over their expenditures. By focusing on making employees feel valued at work, Pleo aims to enhance the overall experience of managing business spending.

Investly is a developer of peer-to-peer finance software that facilitates access to working capital for small-to-medium-sized enterprises. The platform allows businesses to sell their invoices to investors within two days after completing necessary credit checks. This process enables companies to quickly raise crucial funds for operational needs or growth initiatives. At the same time, it provides investors with an opportunity to earn competitive returns on their investments. By streamlining the invoice financing process, Investly aims to support businesses in managing their cash flow effectively while connecting them with potential investors.

Speedstartstudio is an incubator focused on fostering innovation and digital entrepreneurship by collaborating with a select group of corporate partners. Based in Lake, the studio aims to bridge the gap between traditional industries and the digital realm, helping to identify opportunities for growth and the creation of new companies. Founders Michael Breidenbrücker and Christoph Böckle leverage their expertise to provide guidance and financial assistance, equipping emerging businesses with the necessary entrepreneurial knowledge and operational experience. This approach not only accelerates corporate innovation but also enhances revenue and profitability for the companies involved.

Estateguru is a leading Pan-European marketplace that facilitates property-backed loans for small and medium-sized enterprises (SMEs) while providing investment opportunities for a global investor base. The platform creates a digital and borderless ecosystem for real estate financing, connecting various service providers, SMEs, and investors in a single marketplace. By doing so, it offers a unique service that bypasses traditional banks and financial institutions, allowing for seamless cross-border transactions. Estateguru enhances returns for investors and expands borrowing options for businesses by managing short-term asset-backed property finance. With a team of 117 professionals from 21 nationalities, the company operates from locations including Berlin, Manchester, Helsinki, Yerevan, Tallinn, Riga, and Vilnius.

Finnest GmbH is an online crowdfunding platform founded in 2014 and headquartered in Vienna, Austria. The company focuses on providing established small and medium-sized enterprises (SMEs) with alternative access to the capital market, enabling investors to participate in private placements of financially sound businesses. Finnest has developed a unique approach that combines corporate financing with crowd-investing, utilizing a reverse blind auction system where investors propose investment offers and set their own annual interest rates. This method incorporates elements from traditional book-building mechanisms used in corporate bonds, along with marketing and loyalty effects typical of crowd financing. Finnest primarily assists investors from Austria, Germany, and Switzerland in offering qualified subordinated loans to selected companies in Austria and Germany. In 2019, Finnest became a subsidiary of Invesdor Oy.

Investly is a developer of peer-to-peer finance software that facilitates access to working capital for small-to-medium-sized enterprises. The platform allows businesses to sell their invoices to investors within two days after completing necessary credit checks. This process enables companies to quickly raise crucial funds for operational needs or growth initiatives. At the same time, it provides investors with an opportunity to earn competitive returns on their investments. By streamlining the invoice financing process, Investly aims to support businesses in managing their cash flow effectively while connecting them with potential investors.

Holvi is a digital banking service tailored for small businesses, including solopreneurs, freelancers, and startups in Europe. It provides a comprehensive platform that combines business accounts, invoicing, and bookkeeping tools, streamlining financial administration for its users. As a licensed Payment Institution, Holvi operates under the authorization of the Financial Supervisory Authority of Finland, allowing it to serve customers across the EU. The platform facilitates sales, invoicing, and cash flow tracking, enabling businesses to efficiently manage their finances and focus on growth without the distractions of traditional financial management.

Open Publishing GmbH, based in Munich, Germany, is a digital publishing solutions provider. The company offers a range of services including publishing software, eBook production and distribution, and consultancy services. Its product portfolio includes the digitization of printed books and print-on-demand issues, as well as marketing solutions such as temporary price campaigns, dealer newsletters, metadata optimization, SEO, and online marketing campaigns. Open Publishing also provides web design solutions for publishers and authors, including websites, apps, and individual platforms, and operates a self-publishing platform. The company manages over 200,000 books and offers an easy way for publishers to publish digital and print-on-demand books, distributing them across various online bookstores and e-readers worldwide. Open Publishing's platform is designed to be accessible to small publishers and startups through automation and competitive pricing, with integration capabilities via an open API.