UMB Banks

World Water Works is an innovative company in the wastewater treatment sector, established in 1998 and headquartered in Oklahoma City, Oklahoma. The company specializes in providing solutions for both industrial and municipal clients, focusing on the effective treatment of wastewater to generate clean water. Their services include the removal of suspended solids, fats, oils, greases, and non-soluble organics through a patented process that involves dissolving air into water under pressure. By offering these advanced treatment options, World Water Works enables its customers to improve performance, recover valuable resources, and achieve cost savings.

Kadon Precision Machining is a full-service contract manufacturing partner customers can trust to deliver quality precision machined parts on time and on budget. They engage in swiss machining, multi-spindle machining, CNC machining, and special manufacturing systems. They can help clients take the product from concept to completion. With a unique technique called manufacturing consolidation, they can also help organizations boost profitability and efficiencies.

Kadon Precision Machining is a full-service contract manufacturing partner customers can trust to deliver quality precision machined parts on time and on budget. They engage in swiss machining, multi-spindle machining, CNC machining, and special manufacturing systems. They can help clients take the product from concept to completion. With a unique technique called manufacturing consolidation, they can also help organizations boost profitability and efficiencies.

Old National Bank - HSA Business provides solutions for healthcare spending account cards, and services.

Tesseract Ventures, LLC, based in Kansas City, Missouri, focuses on the design and development of robotics, smart spaces, wearables, and connected platforms. Established in 2018, the company specializes in robotics, artificial intelligence, and user experience, aiming to enhance operational efficiency across various industries. Tesseract Ventures provides innovative solutions that improve accessibility, streamline data organization, and automate repetitive tasks. Its technology enables businesses to visualize data effectively and manage information in real-time, fostering a secure work environment and promoting team well-being through activity monitoring and interaction logging.

Bridge Financial Technology Inc. offers automated Software-as-a-Service solutions tailored for Registered Investment Advisors (RIAs), financial advisors, and wealthtech companies. Founded in 2015 and based in Chicago, Illinois, the company specializes in portfolio accounting and management software. Its flagship Atlas platform facilitates efficient billing, invoicing, performance aggregation, client portal access, and file sharing. By addressing inefficiencies and promoting technology adoption, Bridge Financial Technology empowers fiduciary advisors to enhance their competitiveness, scale their operations, and reduce costs, thereby enabling broader access to fiduciary financial advice for clients.

LendingFront, Inc. is a technology company based in New York that provides a cloud-based lending platform tailored for banks and financial institutions. The platform offers a comprehensive suite of integrated or standalone modules that address all phases of the lending process, including application management, underwriting, decisioning, and loan servicing. LendingFront's solution allows clients to automate various aspects of lending while maintaining control and oversight as needed. Catering to a diverse clientele, from emerging online credit providers to established financial institutions, the company’s founding team includes experts from notable organizations in the small business lending sector. Through its innovative technology, LendingFront aims to streamline operations and enhance risk management for its clients.

Hijro operates as a financial operating network specifically designed for global trade, utilizing distributed ledger technology to enhance efficiency and security in trade finance. By connecting banks, buyers, and suppliers within a unified network, Hijro aims to streamline settlement processes, mitigate fraud risks, and eliminate costly data silos prevalent in the open-account trade market, which is valued at approximately $4 trillion. The Hijro Network serves as a foundational “fabric” for trade, offering a variety of applications and solutions, including a multi-bank, multi-lender trade asset marketplace and flexible working capital options for businesses. Additionally, Hijro provides APIs to facilitate seamless integration into its network, allowing financial institutions to tokenize, transfer, and trade various digital assets such as receivables and approved payables. Through these innovations, Hijro positions itself as a modern solution for the complexities of global trade.

Blooom, Inc. is an online investment advisory firm based in Leawood, Kansas, that focuses on managing workplace retirement accounts, including 401(k) and 403(b) plans. Founded in 2013 by experienced financial advisors, the company aims to provide accessible investment management services to a broad audience of Americans who lack financial advisory support. As a Registered Investment Advisor, Blooom emphasizes fiduciary best practices while offering low fees and tailored investment strategies. Its platform utilizes financial technology to deliver comprehensive investment analysis, portfolio adjustments, and risk management, enabling clients to optimize their retirement savings in a straightforward manner.

Using technology and education, we empower institutional investors to better manage their portfolios. Founded in March of 2013, Public Funds Investment & Reporting (PFITR, ) is a software-as-a-service (SaaS) technology company that enables those responsible for overseeing tax dollars to see valuation metrics based on market transactions to make the best investment decisions possible. Treasurers, Directors of Finance, public CFOs—all are examples of public fiduciaries who oversee, cumulatively, trillions of dollars in their operational accounts. State statutes and internal investment policies govern the three mandates of safety, liquidity, and yield. Keeping the investments safe involves identifying, measuring and mitigating risk. Liquidity is the second mandate and most entities keep an excess amount of cash and cash equivalents and because they lack the cash flow analytics required. Buying too high, hidden commissions, and holding too much cash often sacrifice yield. Our BPV™ tool provides them the analytics and internal controls to guide public fiduciaries to lessen risk, commissions, and poor timing. How do public fiduciaries, so burdened with conflicting demands and looming risks, respond? They either avoid doing anything or they take the advice of the bank or broker making the recommendation. Many public fiduciaries lack the experience, technology and training to make optimal investment purchases, so they are dependent on the recommendations of the broker because most do not use an advisor. There is an inherent conflict of interest in many recommendations because, generally speaking, brokerages receive higher commissions when the product sold is riskier generally . Most public fiduciaries are under-diversified, over-liquid and earning too little on their multi-million dollar portfolios. Cumulatively, public fiduciaries currently invest trillions of taxpayer dollars each year. In their flagship product, the Bond Price Validation tool (BPV™), PFITR provides public fiduciaries the information that they need to make optimal investment purchases. With proprietary, licensed data from strategic partners, including Moody’s, Interactive Data Corporation, CUSIP, and Standard & Poor’s, packaged into a user-friendly software interface, PFITR puts internal controls in place so that the public fiduciary can make more informed decisions. . PFITR offers public fiduciaries market transparency for their investment purchases and inventories. Bond fees and commissions are not transparent and are rarely known. The BPV™ tool is the most affordable and easy-to_use technology that lets public fiduciaries know market information about and pricing of investments before purchasing them` . In the world of public finance, proof is invaluable. Constituents want proof that their public servants are doing a good job, and auditors demand it. Bond Price Validation generates instant reports for every transaction that a public fiduciary makes in comparison to comparable market transactions. With Bond Price Validation, constituents and auditors alike are able to view and understand exactly why public fiduciaries make the investments that they do. PFITR has earned the attention of two early stage venture investors. Capital Innovators, the Missouri Technology Corporation and SixThirty are among a few of those who have cumulatively invested PFITR. In recent months, PFITR has built an impressive sales pipeline, with almost 100 product demos currently scheduled and a projected annual recurring revenue strea(ARR) of more than $300k by January 2016. Together, these factors contribute to PFITR’s current valuation of $3.8MM. Accordingly, PFITR seeks $380k for a 10% stake in the company. With a total market size of 116,000 U.S. public entities, PFITR aims to convert 4,000 public entities to customers within five years. This market penetration rate of about 3.5% requires PFITR to convert three customers in the month of September 2015 and post consistent, month-over-month sales growth of about 15% through 2017, at which time growth may slow to a more mature rate of 6%. Less than four months into their sales efforts and with only one full-time Sales Development Representative (SDR) and one Account Executive (AE), PFITR has already converted four new customers in September 2015. At 4,000 customers, PFITR will achieve a valuation of more than $625MM.

Marquette Financial Companies, Inc. provides banking, commercial finance, real estate lending, and wealth management services to businesses and their owners. The company operates banks that has branches in Arizona and Texas; specialty-lending businesses, which provide asset-based loans for working capital, recapitalization, growth, and mergers and acquisitions, as well as accounts-receivable financing and factoring services primarily for transportation businesses and small/middle market companies.

CardPartner Inc. specializes in providing custom credit card programs tailored for various membership organizations in the United States. The company offers a range of products, including Visa credit cards, platinum Visa cards, and affinity credit cards, designed to meet the unique needs of charities, schools, research groups, sports clubs, and smaller non-profit organizations, as well as professional groups at local, regional, and national levels. By enabling users to create and manage their own custom credit card programs online, CardPartner facilitates the development of rewards programs and related services, enhancing the financial capabilities of its clients.

UMB Bank & Trust, N.A. provides corporate trust services including corporate bond trustee, municipal bond trustee, escrow agent, paying agent and registrar, endowed care trustee, and pre-need services. UMB Bank & Trust, N.A. was formerly known as State Street Bank & Trust Co. of Missouri NA.