Village Capital

Regxta is a financial support platform focused on enhancing financial inclusion by providing accessible online banking services and tailored business loans for microbusinesses. The platform enables local agents to assist business owners in managing their finances, streamlining payment processes, and securing credit. It incorporates features such as digital KYC, assessment, lending, payments, and credit checks, allowing users to develop sustainable business models and achieve financial success. Through its services, Regxta aims to empower microbusinesses by simplifying access to essential financial resources.

Regxta is a financial support platform focused on enhancing financial inclusion by providing accessible online banking services and tailored business loans for microbusinesses. The platform enables local agents to assist business owners in managing their finances, streamlining payment processes, and securing credit. It incorporates features such as digital KYC, assessment, lending, payments, and credit checks, allowing users to develop sustainable business models and achieve financial success. Through its services, Regxta aims to empower microbusinesses by simplifying access to essential financial resources.

Bandhu (India) is a technology platform that connects low-income migrant workers with job and housing packages, ensuring safe rural-to-urban migration. They enable cheaper home improvement loans based on the workers' digital rental cash flows.

Mitrata Inclusive Financial Services Pvt. Ltd. is a financial institution based in Gurugram, India, established in 1985. The organization focuses on providing consumer credit facilities to marginalized and excluded groups, including religious minorities, dalits, marginalized farmers, daily wage workers, and small self-employed vendors. Mitrata aims to promote economic upliftment across various communities by ensuring easy access to financial services, including credit and insurance. The company prioritizes the needs of vulnerable households, particularly rural women, by offering accessible and transparent financial solutions designed to empower them economically. Through its initiatives, Mitrata strives to enhance the livelihoods of those who are often overlooked by traditional banking systems.

Vexi is a financial technology company based in Mexico City, founded in 2016, that provides credit card services tailored for the young, underbanked population in Latin America. The company offers a mobile application that enables users to develop personalized payment plans, manage expenses, and build credit history with minimal documentation. Vexi's credit card services include both online and physical cards, allowing for flexible use in digital transactions and physical establishments. By leveraging proprietary technology, Vexi aims to enhance accessibility to formal credit while ensuring a secure and user-friendly experience without annuity charges.

EQL Finance is a fintech lender that offers an online platform for interest-free lending, allowing users to access small loans without fees or interest. The platform is designed to provide immediate loans that are repayable over a few months, catering primarily to working families and individuals. In addition to facilitating loans, EQL Finance also offers training and insights related to financial management and purchase behavior, helping users improve their financial skills and build credit.

Vexi is a financial technology company based in Mexico City, founded in 2016, that provides credit card services tailored for the young, underbanked population in Latin America. The company offers a mobile application that enables users to develop personalized payment plans, manage expenses, and build credit history with minimal documentation. Vexi's credit card services include both online and physical cards, allowing for flexible use in digital transactions and physical establishments. By leveraging proprietary technology, Vexi aims to enhance accessibility to formal credit while ensuring a secure and user-friendly experience without annuity charges.

Quipu is building the first digital bank for the informal economy in LATAM. Using proprietary AI algorithms, Quipu assesses informal microbusinesses’ creditworthiness using over 80,000 alternative data points. Quipu leverages this data to provide working capital loans through a local supply chain financing system that allows microbusinesses to buy supplies, ingredients and materials at wholesale price. The company is building an uncollateralized loan protocol to boost their loan operation. Quipu’s goal is to become the one-stop-shop for financial services for micro-businesses in LATAM providing easy, fair and alternative access to working capital.

Finclude operates a credit scoring platform that facilitates the assessment of consumer creditworthiness across Europe. By utilizing a unique approach that focuses on transactional behavior, Finclude enables businesses to evaluate individuals regardless of their credit history. The platform aggregates and interprets data from various banks, providing a comprehensive view of a customer's affordability and creditworthiness. This innovative system supports more informed credit decisions for both businesses and consumers, promoting greater financial inclusivity.

MPOWER Financing is a Public Benefit Corporation based in Washington, D.C., that provides educational loans to international and DACA students studying in the United States and Canada. Founded in 2014, the company offers loans ranging from $2,001 to $50,000, which can be used for various student-related expenses, including tuition, housing, and books. Notably, MPOWER does not require a co-signer, collateral, or a U.S. credit history, utilizing a proprietary credit algorithm that assesses future potential instead. Loans are structured as 10-year fixed-rate agreements, with repayments beginning six months after graduation. The company also offers additional support services, such as interest discounts, personal finance education courses, credit-building resources, and job placement assistance. By partnering with universities, MPOWER identifies potential loan candidates and directly disburses funds to educational institutions for tuition and related expenses.

Kredico operates an online finance management platform that specializes in assessing credit risk for its members, which include both individuals and businesses. The platform collects credit requests and generates detailed scorecards that reflect each member's creditworthiness. These scorecards are then forwarded to partnered banks for credit approval. By utilizing data analysis and credit scoring, Kredico helps businesses evaluate potential risks associated with deferred payment sales, enabling informed commercial decisions. The Kredico rating system is regularly updated based on the repayment terms of loans, ensuring that credit evaluations remain current and relevant.

Bankroll.ai is a fintech platform founded in 2013 and based in Dubai, specializing in the application of artificial intelligence to enhance consumer lending processes for banks. The platform leverages machine learning to analyze large data sets that reflect customer decision-making, thereby providing banks with tools to better manage credit risk. By facilitating data-driven product decisions, Bankroll.ai aims to improve customer engagement and streamline lending operations. The technology is designed to be fully integratable, allowing financial institutions to optimize their services and respond more effectively to market demands.

Rapicredit operates an online platform that provides short-term loans aimed at promoting financial inclusion and accessibility. The service allows clients to select the amount of money they need and determine their repayment period, offering a high degree of flexibility. By eliminating the need for physical procedures, Rapicredit ensures a swift and efficient loan application process. The platform is designed to cater specifically to the needs of micro, small, and medium enterprises, facilitating access to personalized credit solutions via the Internet. Overall, Rapicredit's approach democratizes access to financial resources, helping clients manage their financial needs effectively.

eCreditHero Inc. is a New York-based company that has been operational since 2013. It specializes in providing an online application platform designed to help consumers repair and manage their credit effectively. The platform aims to empower individuals, particularly working people, by addressing their financial needs and facilitating better credit management. Through its services, eCreditHero offers tools and resources that assist users in improving their credit scores and overall financial health.

MPOWER Financing is a Public Benefit Corporation based in Washington, D.C., that provides educational loans to international and DACA students studying in the United States and Canada. Founded in 2014, the company offers loans ranging from $2,001 to $50,000, which can be used for various student-related expenses, including tuition, housing, and books. Notably, MPOWER does not require a co-signer, collateral, or a U.S. credit history, utilizing a proprietary credit algorithm that assesses future potential instead. Loans are structured as 10-year fixed-rate agreements, with repayments beginning six months after graduation. The company also offers additional support services, such as interest discounts, personal finance education courses, credit-building resources, and job placement assistance. By partnering with universities, MPOWER identifies potential loan candidates and directly disburses funds to educational institutions for tuition and related expenses.

Atikus focuses on enhancing financial inclusion for micro, small, and medium enterprises (MSMEs) by offering technology-driven solutions, including credit insurance and loans. The company aims to address the capital needs of underserved demographics, particularly women, while improving the operational capabilities of lenders. By aligning financial inclusion efforts within a market, Atikus seeks to expand the availability and quality of financial products and services, thereby supporting the growth and development of MSMEs. Their approach emphasizes data utilization and risk management to create a more accessible financial landscape for small businesses.

Yotepresto is a rapidly growing Mexican marketplace lending platform that connects individual and institutional investors with near-prime borrowers seeking personal loans. The company operates an online lending platform that facilitates the connection between borrowers and retail as well as institutional investors. Yotepresto specializes in unsecured personal installment loans and employs a proprietary scoring model to analyze and assess risk, which helps define interest rates for each customer. This innovative approach enables clients to effectively crowdfund their loans, making it easier for borrowers to access the funds they need.