Victory Park Capital

Tapcheck is a fintech company that provides an earned wage access platform, allowing employees to access their wages on-demand without any cost to employers. The service has been adopted by tens of thousands of employers, who have reported increased employee satisfaction and reduced turnover as a result. By offering on-demand pay and financial wellness tools, Tapcheck helps businesses enhance their competitive edge while supporting employees' financial freedom. The platform features instant transfers, low transaction fees, and does not require credit background checks, making it an accessible solution for improving both employee retention and financial wellness in the workplace.

Flex is a financial technology company that offers an end-to-end finance platform that integrates business and personal finance management. Their services include business banking with zero monthly fees, 1% cashback on eligible purchases, and high-yield accounts with up to 2.99% APY on idle cash. They provide a business credit card featuring 0% interest for 60 days on eligible purchases, unlimited cashback, and flexible rewards. Flex also offers accounts payable automation with features like fraud prevention, AI-powered bill scanning, and real-time payment tracking. Additionally, their platform supports global payments across over 180 countries in 32 currencies, catering to businesses with international operations.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Zip Co Limited, established in 2009 and headquartered in Sydney, Australia, specializes in providing point-of-sale credit and digital payment services to consumers and merchants globally. The company operates through three segments: ZIP AU, Zip Global, and Spotcap. It offers integrated retail finance solutions, digital wallets (Zip Pay and Zip Money), a personal finance application (Pocketbook), and unsecured loans to small and medium-sized businesses. Zip's core service is 'Buy Now Pay Later', allowing consumers to split repayments into equal, interest-free instalments. The company also generates revenue through account fees and interest, as well as merchant margins for its instalment-based services.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Stem Disintermedia Inc. develops a distribution platform and payments solution tailored for independent musicians, teams, and record labels. The platform, known as Stem, simplifies the management of revenue splits among collaborators, providing artists with valuable insights into their earnings and performance data across multiple streaming services. It allows users to customize their dashboards and offers assistance with release strategies and connections to a broader creative community. Additionally, Stem aggregates earnings from various platforms, facilitates contract creation, and ensures timely payments and statements to all stakeholders involved in a project. Founded in 2015 in Los Angeles, California, Stem Disintermedia aims to clarify the complexities of revenue management in the music industry, ensuring fair compensation for all contributors.

Mendel offers a corporate expense management platform that streamlines financial processes for businesses. Its solutions include automated expense tracking, corporate cards, and real-time reporting to improve visibility and control over company spending. The platform integrates with accounting systems and provides analytics for better financial decision-making.

Nelo is a financial technology company based in Mexico City, established on April 8, 2019. It specializes in developing a mobile application and a digital payment management platform that enables users to conduct financial transactions effectively. The platform allows individuals to send and request money easily, while also providing a free virtual card with no charges for account opening. This service facilitates real-time payment and balance tracking, empowering users to manage their funds in an affordable and secure manner.

Kueski is a prominent buy now, pay later (BNPL) and online consumer lending company in Latin America, primarily serving the Mexican market. Founded in 2012, Kueski aims to simplify financial access for consumers through its innovative product offerings. The company's ecosystem includes Kueski Pay, a BNPL solution that facilitates purchases both online and in physical stores, and Kueski Cash, which provides personal loans. By utilizing advanced technologies such as artificial intelligence and big data, Kueski efficiently assesses credit and fraud risks, enabling rapid approval or rejection of loan applications within minutes. This approach helps clients meet their short-term financial needs. Kueski has successfully raised over $300 million in equity and debt financing and has been recognized in industry rankings, underscoring its significant impact on the financial landscape in Mexico.

Kredivo is a leading digital financial services provider based in Jakarta, Indonesia, founded in 2016 by Akshay Garg. It offers a modern online credit platform that enables customers to access instant credit for e-commerce and offline purchases, as well as personal loans. Kredivo's innovative API allows businesses to integrate its payment options seamlessly, offering customers flexible financing solutions such as 30-day payment plans and installment options. The platform emphasizes real-time decision-making to ensure a straightforward and transparent credit experience, catering to a wide range of consumers and enhancing their shopping capabilities. Additionally, Kredivo operates in key Southeast Asian markets, solidifying its position as a prominent player in the region's digital credit landscape.

Kredivo is a leading digital financial services provider based in Jakarta, Indonesia, founded in 2016 by Akshay Garg. It offers a modern online credit platform that enables customers to access instant credit for e-commerce and offline purchases, as well as personal loans. Kredivo's innovative API allows businesses to integrate its payment options seamlessly, offering customers flexible financing solutions such as 30-day payment plans and installment options. The platform emphasizes real-time decision-making to ensure a straightforward and transparent credit experience, catering to a wide range of consumers and enhancing their shopping capabilities. Additionally, Kredivo operates in key Southeast Asian markets, solidifying its position as a prominent player in the region's digital credit landscape.

Zip Co Limited, established in 2009 and headquartered in Sydney, Australia, specializes in providing point-of-sale credit and digital payment services to consumers and merchants globally. The company operates through three segments: ZIP AU, Zip Global, and Spotcap. It offers integrated retail finance solutions, digital wallets (Zip Pay and Zip Money), a personal finance application (Pocketbook), and unsecured loans to small and medium-sized businesses. Zip's core service is 'Buy Now Pay Later', allowing consumers to split repayments into equal, interest-free instalments. The company also generates revenue through account fees and interest, as well as merchant margins for its instalment-based services.

Laybuy is a technology-focused payments company that aims to enhance consumer interactions with businesses through its innovative payment platform. The company offers a deferred payment solution that allows customers to split the cost of their purchases, both online and in-store, into six manageable weekly payments, with the initial payment made at the point of sale. This no-interest and flexible payment option makes it more accessible for consumers to afford desired products while providing merchants with an effective way to increase sales.

Oakam Ltd. is a fintech lender based in London, United Kingdom, specializing in providing personal financial loan services targeted at financially excluded consumers. Established in 2006, the company offers a range of loan products, including short-term installment loans for emergencies, bills, smaller debts, special events, and travel, as well as long-term loans for larger purchases, business opportunities, and home improvements. Oakam's services are accessible through online platforms, over the phone, and at its physical stores located in London and the Midlands. As a digital micro-lender, Oakam aims to expand credit access for individuals who face challenges in obtaining loans from traditional banking institutions.

iZettle AB is a financial technology company based in Stockholm, Sweden, that specializes in mobile payment services and applications designed for small businesses and entrepreneurs. Founded in 2010, it revolutionized the industry with the introduction of the first mini chip card reader, enabling businesses to accept card payments through smartphones and tablets. iZettle offers a range of products, including the iZettle Card Reader Lite and an application compatible with iOS and Android devices, which facilitate payment processing, business management, sales analytics, and customer engagement. The company serves a diverse clientele across several countries, including Sweden, Norway, Denmark, Finland, the United Kingdom, Germany, Spain, Mexico, the Netherlands, and Brazil. As of 2018, iZettle operates as a subsidiary of PayPal Holdings, Inc.

FinServ Acquisition is a blank check company established in 2019 and based in New York. The firm does not have significant operations of its own; instead, it aims to pursue a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, or a similar business combination with one or more businesses. While the company has the flexibility to target various industries, it intends to primarily focus on opportunities within the financial services sector and technology services that support this industry.

Kueski is a prominent buy now, pay later (BNPL) and online consumer lending company in Latin America, primarily serving the Mexican market. Founded in 2012, Kueski aims to simplify financial access for consumers through its innovative product offerings. The company's ecosystem includes Kueski Pay, a BNPL solution that facilitates purchases both online and in physical stores, and Kueski Cash, which provides personal loans. By utilizing advanced technologies such as artificial intelligence and big data, Kueski efficiently assesses credit and fraud risks, enabling rapid approval or rejection of loan applications within minutes. This approach helps clients meet their short-term financial needs. Kueski has successfully raised over $300 million in equity and debt financing and has been recognized in industry rankings, underscoring its significant impact on the financial landscape in Mexico.

Monedo, a fintech company, leverages machine learning and alternative data sources to provide credit and digital banking services to the underbanked. Its offerings include consumer loans, a digital wallet, and a personal finance manager to help customers manage their credit score and spending. Additionally, Monedo's "Lending as a Service" model allows partners to integrate its credit products into their own platforms.