Techstars

Techstars Central LLC, founded in 2006 and based in Boulder, Colorado, operates as a startup accelerator and venture capital firm focused on supporting early-stage technology-oriented companies. It specializes in a mentorship-driven accelerator program, selecting ten startups each summer to participate in a three-month incubation period, offering funding of $120,000 in exchange for equity. Techstars invests primarily in sectors such as fintech, artificial intelligence, blockchain, augmented reality, and IoT, while avoiding investments in medical devices, healthcare technology, and local service-oriented businesses. In addition to its primary accelerator, Techstars has various specialized programs, including those focused on music, retail, mobility, and social impact, with global reach extending to regions such as Africa, Asia, and Latin America. The firm prefers taking minority stakes, typically between six and ten percent, without seeking board representation or investor rights. Techstars has built a robust network of entrepreneurs, mentors, and corporate partners to foster innovation and growth within its portfolio, which includes over 1,000 companies with a significant collective market capitalization.

Ethan Austin

MD of the Techstars Western Union Accelerator

Mark Tortorella

Advisor

Nathanial Zola

MD

Past deals in Credits and Lending

Oper

Series A in 2022
Oper Credits is a software as a service company that provides a comprehensive solution for lenders to digitize mortgage processes from initiation to completion. Founded in 2018 and headquartered in Antwerp, Belgium, with an additional office in Zurich, Switzerland, Oper streamlines various aspects of the mortgage journey, including loan requests, customer verification, proof validation, product advisory, signing, profiling, collateral estimation, fraud detection, and scoring. By offering out-of-the-box modules, Oper enables credit providers to quickly launch digital credit products, allowing them to configure their processes to meet specific needs. Furthermore, the company supports the integration of Fintech technologies through its partner app store, enhancing the capabilities of its clients in the competitive mortgage market.

Beem

Seed Round in 2022
Line Financial is a Public Benefit Corporation that delivers revolving lines of credit on its app as well as at online and in-store essential shopping destinations like pharmacies, grocery stores and more without credit-history, pay-slips, or credit-scores. Line is eliminating FICO, Credit and all other types of cards that don't belong in a post COVID world.

Periculum

Pre Seed Round in 2021
Periculum is an alternate credit rating solution for underserved markets, and their vision is to unlock credit for the developing world to accelerate economic empowerment. They provide lenders and financial institutions across Africa with a machine learning, alternate credit assessment solution. Their machine learning model has an 80% default prediction accuracy, better than FICO, Equifax, and Trans Union. Periculum is going to become an Africa-wide credit bureau, providing credit profiles to people and companies across the continent.

Zirtue

Funding Round in 2021
Zirtue, LLC is a mobile lending application designed to facilitate loans between friends, family, and trusted relationships. Founded in 2018 and headquartered in Dallas, Texas, Zirtue simplifies the lending process by automating repayments through monthly ACH payments directly from the borrower's bank account to the lender's bank account. This system aims to remove the awkwardness often associated with personal loans, allowing users to lend and borrow money on mutually agreed terms while ensuring timely repayment.

Swipe Credit

Funding Round in 2021
Swipe Credit operates as an automated digital lending platform designed to connect financial institutions with cardholders seeking loans. By offering a white-label solution, Swipe enables lenders to reach a broader customer base beyond traditional banked consumers, thereby facilitating the growth of their lending operations. The platform harnesses artificial intelligence to enhance risk management and compliance, ultimately transforming the borrowing experience. Swipe's flexibility allows lenders to customize pricing and terms for tailored loan offers, contributing to financial inclusion and equitable services for small businesses. This innovative approach positions Swipe as a competitive player in the evolving landscape of digital lending.

Linxe

Pre Seed Round in 2021
Linxe's vision is to build a truly inclusive financial services platform, one that generates credit history and provides an entry point for unbanked individuals that are too commonly overlooked by large institutional banks in Colombia and Latin America more broadly.

BuckUp

Non Equity Assistance in 2021
BuckUp a short-term loan service that uses customers’ devices as collateral.

SoLo Funds

Series A in 2021
SoLo Funds, Inc. is a mobile money exchange and lending platform that connects lenders and borrowers, allowing users to borrow on their own terms and lenders to benefit from their contributions. Established in 2015 and based in New York City, SoLo Funds operates as an alternative financial solution, offering rapid loan options to borrowers while providing lenders with significant value. The platform has evolved from a unique lending marketplace into a comprehensive community banking solution that leverages individual capital, insurance, and banking products, supported by advanced A.I. underwriting technology.

Oper

Seed Round in 2021
Oper Credits is a software as a service company that provides a comprehensive solution for lenders to digitize mortgage processes from initiation to completion. Founded in 2018 and headquartered in Antwerp, Belgium, with an additional office in Zurich, Switzerland, Oper streamlines various aspects of the mortgage journey, including loan requests, customer verification, proof validation, product advisory, signing, profiling, collateral estimation, fraud detection, and scoring. By offering out-of-the-box modules, Oper enables credit providers to quickly launch digital credit products, allowing them to configure their processes to meet specific needs. Furthermore, the company supports the integration of Fintech technologies through its partner app store, enhancing the capabilities of its clients in the competitive mortgage market.

Avenify

Funding Round in 2021
Avenify is a peer-to-peer lending platform enabling nursing students to finance their education debt-free with no credit score or signer required. Students can apply for up to $15,000 in income-based financing and owe nothing until they're employed. In addition to financing, Avenify provides career services and additional financial assistance to ensure students live happy, financially-healthy lives. Avenify was established in 2018 and is headquartered in Reston, Virginia.

Lightning Social Ventures

Pre Seed Round in 2021
Founded during the pandemic, Lightning helps people in financial hardship to receive super fast support and recover from shocks. The company works with charities and public sector institutions to accelerate support to people in financial hardship - providing a quick and secure platform to easily verify financial need and process grants within 3 days instead of 5+ weeks.

Pax Credit

Pre Seed Round in 2021
Digital Financial Services For International Students Pax Credit currently helps international students pay their university tuition fee in their local currency and saves them around a month's rental expense when compared to banks. Unlike banks, Pax Credit facilitates cross-border payments through our proprietary global payment network faster and cheaper.

Own Up

Series B in 2021
Own Up, operating under Rategravity, Inc., offers a software platform designed to assist homebuyers in financing their homes. Founded in 2015 and based in Boston, Massachusetts, the company provides a solution that eliminates the need for salespeople, allowing users to compare, select, and finalize their mortgage options directly with lenders. The platform caters to a variety of property types, including primary residences, second homes, investment properties, single-family homes, multi-family homes, condos, and townhomes. By streamlining the lending process, Own Up aims to facilitate easier access to low-interest mortgages for consumers.

Own Up

Series B in 2021
Own Up, operating under Rategravity, Inc., offers a software platform designed to assist homebuyers in financing their homes. Founded in 2015 and based in Boston, Massachusetts, the company provides a solution that eliminates the need for salespeople, allowing users to compare, select, and finalize their mortgage options directly with lenders. The platform caters to a variety of property types, including primary residences, second homes, investment properties, single-family homes, multi-family homes, condos, and townhomes. By streamlining the lending process, Own Up aims to facilitate easier access to low-interest mortgages for consumers.

Livo

Pre Seed Round in 2021
Livo platform called LivoSecure maximizes rental yields by leveraging technology to allow renters to make offers in real-time based on rental amount, move-in date, and term of the lease.

Crowdz

Series A in 2020
Crowdz provides invoice-financing opportunities to companies in global supply chains—a $9 trillion market that SMEs traditionally have been excluded from. The need for such financing is greater than ever before. Some 93% of all supply-chain participants are SMEs, and half of these suffer cashflow shortages as they wait for 90 to 120 days or more to be paid. Crowdz’s global invoice auction solves this problem by directing competitive, low-cost financing to SMEs while offering high returns to funders seeking better investments.

AND Global

Series A in 2020
AND Global is a Financial Technology as a Services company that provides everything that a modern digital bank needs and more. The company was founded in 2015 and headquartered in Central Region, Singapore.

Traive

Venture Round in 2020
Traive Inc. operates an online lending platform that connects farmers with lenders, facilitating access to credit in the agricultural sector. Established in 2018 and headquartered in Saint Paul, Minnesota, with additional offices in São Paulo, Minneapolis, and Boston, Traive employs machine learning and big data to assess credit risk. The platform evaluates farmers' credit profiles using a comprehensive approach that goes beyond traditional credit scores, incorporating factors such as agronomic performance and market risks. This innovative analysis provides lenders with a diversified portfolio of borrowers while offering farmers more affordable funding options and reducing bureaucratic hurdles. By leveraging advanced technology, Traive aims to enhance financial accessibility within the agricultural industry.

ChangEd

Pre Seed Round in 2020
ChangEd is a mobile app that helps pay down student loans by using spare change from everyday purchases to make additional payments. ChangEd securely links to credit and debit cards, rounds purchases up to the next dollar and sends that change to a loan servicer.

Salaryo

Venture Round in 2020
Salaryo Financial Technologies Ltd. is a financial technology company based in Tel Aviv, Israel, founded in 2017. It specializes in providing credit financing through an AI-based platform, offering small businesses instant and affordable financing solutions. Salaryo's services include fully-digital business term loans and flexible lines of credit, allowing users to withdraw funds as needed and repay at their convenience during a specified period. The company operates on a fixed subscription fee model and has processed over $200 million in loan applications within the year. Its automated lending technology streamlines the application process by incorporating features such as Know Your Client (KYC) verification, financial and professional analysis, payment processing, and electronic signatures, enabling rapid decision-making. Salaryo aims to support entrepreneurs and freelancers by alleviating cash flow challenges in selected business categories.

Beem

Pre Seed Round in 2020
Line Financial is a Public Benefit Corporation that delivers revolving lines of credit on its app as well as at online and in-store essential shopping destinations like pharmacies, grocery stores and more without credit-history, pay-slips, or credit-scores. Line is eliminating FICO, Credit and all other types of cards that don't belong in a post COVID world.

Curu

Seed Round in 2020
Curu, Inc. develops software for automated credit building. It offers Curu that analyzes the data from applicant’s credit report, transactions, and statement history to create a tailored action plan for approval based on their financial lifestyle. The company’s Curu enables lenders to fund more qualified accounts; and enables applicants to analyze credit spending, debit balances, income level, and other factors to identify the actions to raise credit score. The company was founded in 2016 and is based in Denver, Colorado.

DeFiner

Pre Seed Round in 2020
DeFiner Inc. operates a decentralized lending platform that enables users to secure digital loans within a global network of lenders and borrowers. It also helps users to securely lend and borrow digital assets on the blockchain. The company was founded in 2018 and is based in Minneapolis, Minnesota with other locations in San Francisco, Seattle, and New York.

Muse Finance

Pre Seed Round in 2020
Muse offers multi-currency business accounts, simple cash flow forecasting, and efficient financing for small businesses.

Oper

Pre Seed Round in 2020
Oper Credits is a software as a service company that provides a comprehensive solution for lenders to digitize mortgage processes from initiation to completion. Founded in 2018 and headquartered in Antwerp, Belgium, with an additional office in Zurich, Switzerland, Oper streamlines various aspects of the mortgage journey, including loan requests, customer verification, proof validation, product advisory, signing, profiling, collateral estimation, fraud detection, and scoring. By offering out-of-the-box modules, Oper enables credit providers to quickly launch digital credit products, allowing them to configure their processes to meet specific needs. Furthermore, the company supports the integration of Fintech technologies through its partner app store, enhancing the capabilities of its clients in the competitive mortgage market.

TomoCredit

Seed Round in 2019
TomoCredit LLC, established in 2018 and based in San Francisco, California, focuses on providing innovative credit solutions tailored for Millennials, particularly those with no credit history or credit score. The company manufactures electronic smart and credit cards that enable users to build credit and qualify for loans by utilizing a proprietary algorithm to analyze alternative data sources. In addition to its credit card offerings, TomoCredit has developed a mobile application that allows users to manage their accounts effectively. The founding team, composed of immigrant founders, aims to address the challenges faced by foreign nationals in accessing credit, drawing on their backgrounds from notable institutions such as Coinbase, The Kenetic Hedge Fund, and Google, as well as prestigious educational establishments like MIT and UC Berkeley.

Salaryo

Funding Round in 2019
Salaryo Financial Technologies Ltd. is a financial technology company based in Tel Aviv, Israel, founded in 2017. It specializes in providing credit financing through an AI-based platform, offering small businesses instant and affordable financing solutions. Salaryo's services include fully-digital business term loans and flexible lines of credit, allowing users to withdraw funds as needed and repay at their convenience during a specified period. The company operates on a fixed subscription fee model and has processed over $200 million in loan applications within the year. Its automated lending technology streamlines the application process by incorporating features such as Know Your Client (KYC) verification, financial and professional analysis, payment processing, and electronic signatures, enabling rapid decision-making. Salaryo aims to support entrepreneurs and freelancers by alleviating cash flow challenges in selected business categories.

North Loop

Pre Seed Round in 2019
Borderless banking for global citizens

Chord

Pre Seed Round in 2019
Chord is the home finance company for the millennial tired of throwing away money each month on rent but doesn’t want to take on a ton of mortgage debt in order to buy. Chord provides a flexible, non-debt alternative to a traditional mortgage, giving the power of equity financing to home buyers for the first time. They’ve created a fundamentally new financial product for the consumer, and with that are unlocking a very important new asset class — owner-occupied housing — for investors.

Curu

Pre Seed Round in 2019
Curu, Inc. develops software for automated credit building. It offers Curu that analyzes the data from applicant’s credit report, transactions, and statement history to create a tailored action plan for approval based on their financial lifestyle. The company’s Curu enables lenders to fund more qualified accounts; and enables applicants to analyze credit spending, debit balances, income level, and other factors to identify the actions to raise credit score. The company was founded in 2016 and is based in Denver, Colorado.

Crowdz

Seed Round in 2019
Crowdz provides invoice-financing opportunities to companies in global supply chains—a $9 trillion market that SMEs traditionally have been excluded from. The need for such financing is greater than ever before. Some 93% of all supply-chain participants are SMEs, and half of these suffer cashflow shortages as they wait for 90 to 120 days or more to be paid. Crowdz’s global invoice auction solves this problem by directing competitive, low-cost financing to SMEs while offering high returns to funders seeking better investments.

Snippet Finance

Pre Seed Round in 2019
Snippet Finance Corp. is a New York-based company that operates a platform offering salary loans as a workplace benefit. The loans are designed to enhance financial wellness for employees, providing them with access to funds when needed. By integrating these financial solutions into the workplace, Snippet Finance aims to support individuals in managing their financial needs effectively.

Kred

Pre Seed Round in 2019
Kred, Inc is a digital banking platform that caters to cooperatives and lending institutions, offering a range of banking, lending, and payment solutions. Founded in 2019 and based in Ernakulam, Kerala, India, the company specializes in providing modern financial services through its neobank-as-a-service model. Its offerings include core banking systems, card issuing platforms, cash management solutions, and API banking. Kred's platform is designed to enhance the customer experience and reduce operational costs for credit unions and progressive lending institutions. Key features include modules for lending, collecting, and reconciling, as well as payment solutions encompassing mobile and card payments. Additionally, Kred provides cooperative software that includes automated accounting and digital payment solutions, facilitating efficient operations for its clients.

Nira

Seed Round in 2019
Promote financial inclusion by creating simple, transparent products that empower individuals to live a life of choice and freedom.

Maxwell Financial Labs

Venture Round in 2018
Hi, we're Maxwell. We’re on a mission to revolutionize the $8.5T residential mortgage market by reimagining how mortgage lenders collaborate with homebuyers and real estate agents to buy a home. We connect our hundreds of lenders onto one seamless, intuitively-designed platform, so the focus isn’t the paperwork, it’s the place to call home. Today, hundreds of lenders across the United States use Maxwell’s digital mortgage platform to originate billions in mortgage loans each month at a cycle time 45 percent faster than the national average.

Curu

Seed Round in 2018
Curu, Inc. develops software for automated credit building. It offers Curu that analyzes the data from applicant’s credit report, transactions, and statement history to create a tailored action plan for approval based on their financial lifestyle. The company’s Curu enables lenders to fund more qualified accounts; and enables applicants to analyze credit spending, debit balances, income level, and other factors to identify the actions to raise credit score. The company was founded in 2016 and is based in Denver, Colorado.

AND Global

Seed Round in 2018
AND Global is a Financial Technology as a Services company that provides everything that a modern digital bank needs and more. The company was founded in 2015 and headquartered in Central Region, Singapore.

SoLo Funds

Pre Seed Round in 2018
SoLo Funds, Inc. is a mobile money exchange and lending platform that connects lenders and borrowers, allowing users to borrow on their own terms and lenders to benefit from their contributions. Established in 2015 and based in New York City, SoLo Funds operates as an alternative financial solution, offering rapid loan options to borrowers while providing lenders with significant value. The platform has evolved from a unique lending marketplace into a comprehensive community banking solution that leverages individual capital, insurance, and banking products, supported by advanced A.I. underwriting technology.

AND Global

Debt Financing in 2018
AND Global is a Financial Technology as a Services company that provides everything that a modern digital bank needs and more. The company was founded in 2015 and headquartered in Central Region, Singapore.

Cred

Seed Round in 2018
Cred Invest develops and provides SaaS solution for investing portfolio. The company uses machine-learning to personalize investment portfolio for each client and helps financial institutions attract retail investors. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.

Nimbla

Seed Round in 2018
Nimbla provides B2B invoice insurance to small and medium-sized businesses in the United Kingdom. The London fintech company, through their unique technology, allows them to instantly review the credit rating of their invoices and insure them individually, paying out in the event of insolvency.

Abe AI

Seed Round in 2017
Abe builds conversational banking solutions for progressive banks.

Morty

Seed Round in 2017
Morty is on a mission to revolutionize the outdated mortgage industry by letting people shop, compare, and close on any mortgage from any lender, completely online. Purchasing a home is the largest, most important financial transaction of most people’s lives. They believe getting a mortgage should be just as simple, modern, and transparent as buying anything else online. We’re building the first-ever, fully digital marketplace to make this possible - like Kayak, but for mortgages.

LendTech

Seed Round in 2017
LendTech LLC operates a digital lending platform designed to facilitate connections between banks, credit unions, and private lenders with borrowers. Founded in 2016 and based in San Francisco, California, the platform streamlines loan application processing by integrating communication channels for signatures, document submissions, and real-time messaging. It supports both automated and manual loan origination systems, allowing lenders to offer a diverse range of loan products, including credit cards, home equity lines of credit, commercial real estate loans, Small Business Administration loans, bridge loans, auto loans, mortgages, and equipment financing. LendTech aims to enhance the efficiency and accessibility of the borrowing process for both lenders and their clients.

Own Up

Seed Round in 2017
Own Up, operating under Rategravity, Inc., offers a software platform designed to assist homebuyers in financing their homes. Founded in 2015 and based in Boston, Massachusetts, the company provides a solution that eliminates the need for salespeople, allowing users to compare, select, and finalize their mortgage options directly with lenders. The platform caters to a variety of property types, including primary residences, second homes, investment properties, single-family homes, multi-family homes, condos, and townhomes. By streamlining the lending process, Own Up aims to facilitate easier access to low-interest mortgages for consumers.

Salaryo

Pre Seed Round in 2017
Salaryo Financial Technologies Ltd. is a financial technology company based in Tel Aviv, Israel, founded in 2017. It specializes in providing credit financing through an AI-based platform, offering small businesses instant and affordable financing solutions. Salaryo's services include fully-digital business term loans and flexible lines of credit, allowing users to withdraw funds as needed and repay at their convenience during a specified period. The company operates on a fixed subscription fee model and has processed over $200 million in loan applications within the year. Its automated lending technology streamlines the application process by incorporating features such as Know Your Client (KYC) verification, financial and professional analysis, payment processing, and electronic signatures, enabling rapid decision-making. Salaryo aims to support entrepreneurs and freelancers by alleviating cash flow challenges in selected business categories.

Algosave

Pre Seed Round in 2017
AlgoSave delivers financial institutions with solutions to (a) IFRS-9 Expected Credit Losses calculation as well as to (b) its related computation of bank Risk Capital and RAROC. Born out of rigorous and analysis-focussed combined decades-long experiences in banking, high yield and distressed debt investments, AlgoSave innovative approach to credit modelling is founded on multi-period Calibrated Stochastic simulations of the Fundamentals of borrowers.

Algosave

Seed Round in 2017
AlgoSave delivers financial institutions with solutions to (a) IFRS-9 Expected Credit Losses calculation as well as to (b) its related computation of bank Risk Capital and RAROC. Born out of rigorous and analysis-focussed combined decades-long experiences in banking, high yield and distressed debt investments, AlgoSave innovative approach to credit modelling is founded on multi-period Calibrated Stochastic simulations of the Fundamentals of borrowers.

Maxwell Financial Labs

Seed Round in 2016
Hi, we're Maxwell. We’re on a mission to revolutionize the $8.5T residential mortgage market by reimagining how mortgage lenders collaborate with homebuyers and real estate agents to buy a home. We connect our hundreds of lenders onto one seamless, intuitively-designed platform, so the focus isn’t the paperwork, it’s the place to call home. Today, hundreds of lenders across the United States use Maxwell’s digital mortgage platform to originate billions in mortgage loans each month at a cycle time 45 percent faster than the national average.

Morty

Seed Round in 2016
Morty is on a mission to revolutionize the outdated mortgage industry by letting people shop, compare, and close on any mortgage from any lender, completely online. Purchasing a home is the largest, most important financial transaction of most people’s lives. They believe getting a mortgage should be just as simple, modern, and transparent as buying anything else online. We’re building the first-ever, fully digital marketplace to make this possible - like Kayak, but for mortgages.

StackSource

Seed Round in 2016
StackSource Inc. operates an online platform that connects borrowers and property owners with lenders for commercial real estate loans. Established in 2015 and based in New York, the platform streamlines the financing process by allowing property owners to find suitable lenders, while enabling mortgage brokers and debt teams to manage and track their deals efficiently. StackSource provides access to a diverse network of capital providers, including banks, insurance companies, and private lenders, facilitating better financing options for real estate investors. By combining technology with traditional commercial mortgage brokerage services, StackSource aims to enhance transparency and efficiency in the capital markets for commercial real estate investments.

Social Lender

Seed Round in 2016
Social Lender is a lending solution based on social reputation on mobile, online and social media platforms.

Max

Venture Round in 2016
Max IT Finance Ltd, based in Bnei Brak, Israel, specializes in the issuance of credit cards and clearing services. Its product offerings include a variety of credit cards such as Multi, Leumi Card Free, Cash Card, and World Signia, along with Gift Cards, Y-Cards, and Visa Plus. The company also caters to organizations and workplaces by providing merchant acquiring services and a range of credit solutions, which encompass loans, payment discounts, multi-business cards, acquisition cards, and supplier cards. Founded in 2000, Max operates as a subsidiary of Bank Leumi Le-Israel BM.

Wisor.io

Seed Round in 2016
Wisor is the next best practice for mortgage lenders, changing the way mortgages are offered and managed. They enable lenders to acquire new customers and retain existing borrowers in a highly efficient way. Wisor's white label solution utilizes structured and unstructured data to enable mortgage officers to create personalized tailored loans that adjust to borrowers lifestyle. Wisor reduces borrowers cost and risks without affecting lenders profitability.

Maxwell Financial Labs

Pre Seed Round in 2016
Hi, we're Maxwell. We’re on a mission to revolutionize the $8.5T residential mortgage market by reimagining how mortgage lenders collaborate with homebuyers and real estate agents to buy a home. We connect our hundreds of lenders onto one seamless, intuitively-designed platform, so the focus isn’t the paperwork, it’s the place to call home. Today, hundreds of lenders across the United States use Maxwell’s digital mortgage platform to originate billions in mortgage loans each month at a cycle time 45 percent faster than the national average.

Origin

Seed Round in 2015
Origin is a fully digital, front-to-back issuance platform for the global debt capital markets, simplifying the process for bond issuance globally.

Max

Seed Round in 2015
Max IT Finance Ltd, based in Bnei Brak, Israel, specializes in the issuance of credit cards and clearing services. Its product offerings include a variety of credit cards such as Multi, Leumi Card Free, Cash Card, and World Signia, along with Gift Cards, Y-Cards, and Visa Plus. The company also caters to organizations and workplaces by providing merchant acquiring services and a range of credit solutions, which encompass loans, payment discounts, multi-business cards, acquisition cards, and supplier cards. Founded in 2000, Max operates as a subsidiary of Bank Leumi Le-Israel BM.

Origin

Pre Seed Round in 2015
Origin is a fully digital, front-to-back issuance platform for the global debt capital markets, simplifying the process for bond issuance globally.

Self Financial

Seed Round in 2015
Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.

Crowdz

Angel Round in 2015
Crowdz provides invoice-financing opportunities to companies in global supply chains—a $9 trillion market that SMEs traditionally have been excluded from. The need for such financing is greater than ever before. Some 93% of all supply-chain participants are SMEs, and half of these suffer cashflow shortages as they wait for 90 to 120 days or more to be paid. Crowdz’s global invoice auction solves this problem by directing competitive, low-cost financing to SMEs while offering high returns to funders seeking better investments.

Final

Seed Round in 2014
Final, Inc. is a fintech company based in Oakland, California, founded in 2014. It focuses on enhancing consumer protection against fraud and theft through its innovative credit card and mobile application. The service allows users to generate multiple credit card numbers, including disposable ones for single-use purchases, thus providing a secure way to engage with various merchants. Users gain insights into their transactions and spending habits while minimizing the risks associated with account breaches and card cancellations. Final aims to empower consumers by offering greater control over their financial interactions, effectively reducing the potential for financial fraud. The company has received venture backing and participated in the Y Combinator accelerator program in 2015.

Aire

Seed Round in 2014
Aire provides credit assessment services that gives people a new credit score to help them qualify for essential financial products. Aire is committed to helping people with the world of credit. They work with financial institutions by enhancing their ability to reach more customers and serve them responsibly. They are authorised & regulated in the UK by the FCA to provide credit references as one of the newest entrants in this sector. The company was founded on 2014 and based in London.

Global Debt Network

Seed Round in 2009
Global Debt Network specializes in the development of a platform that helps users manage their debt. It has its headquarters in Los Angeles in California.