Waterfall Asset Management

Atelier creates custom lending solutions that are designed in collaboration, driven by technological innovation and individual expertise, and strive to make a positive, lasting impact on communities and the environment.

Iwoca Ltd. is a London-based company that provides credit finance services to small businesses in the United Kingdom. Established in 2011, iwoca specializes in offering unsecured business loans and short-term cash loans to help businesses manage cash flow gaps and invest in growth opportunities. Its clients include a diverse range of sectors such as retail, hospitality, and service industries. The company offers flexible repayment options that span from one day to 24 months, allowing businesses to repay early without incurring penalties. Through its online platform, iwoca facilitates a streamlined application process, enabling businesses to secure funding for various needs, including inventory, technology, and employee expenses.

Sunbit, Inc., incorporated in 2015 and based in Los Angeles, California, specializes in financing services that allow consumers to split purchases into manageable payments. The company develops a pay-over-time platform that utilizes artificial intelligence and machine learning to approve a majority of applicants, making financial services accessible to a broad audience. Sunbit offers point-of-sale lending technology applicable to various service sectors, including auto dealership service centers, optical practices, dental offices, and specialty healthcare services. Their commitment to reducing financial stress for consumers is reflected in the convenience of their services, which are also accessible through mobile applications on both major platforms. Additionally, Sunbit provides tablets, scanners, signs for stores, and informational sheets for customers to enhance their offerings in retail environments.

Fundbox is an AI-driven financial platform based in San Francisco, California, founded in 2013 by Eyal Shinar, Tomer Michaeli, and Yuval Ariav. The company focuses on providing small and mid-sized enterprises (SMEs) with fast and intuitive access to business credit and cash flow management solutions. By utilizing advanced machine learning and deep data analytics, Fundbox facilitates invoice financing and offers lines of credit, enabling businesses to improve their cash flow by quickly converting outstanding invoices into accessible funds. The platform aims to empower small businesses, fostering customer growth and enhancing their ability to manage payments effectively.

Agora Data is a company that specializes in developing an analytics platform designed to assist auto dealers and finance companies in enhancing their financial performance and market competitiveness. By providing a comprehensive suite of auto finance products and tools, Agora enables these businesses to access critical funding options and data analytics resources. This allows clients to optimize their portfolio performance and effectively navigate the complexities of the automotive finance landscape. The company's goal is to empower any car dealer to operate as a finance entity by offering technology, capital, strategic guidance, and insights into predictable loan performance.

WeDo Business Services is a unique set of enterprises, each with the purpose of forming meaningful partnerships.

Kyte is a technology and operations company founded in San Francisco in 2019 by Francesco Wiedemann, Ludwig Schoenack, and Nikolaus Volk. The company specializes in providing on-demand car rentals, delivering vehicles directly to customers' locations for various durations, ranging from a day to several months. Operating in over ten cities across the United States, Kyte is rapidly expanding its services. The platform not only facilitates convenient car delivery but also includes additional offerings such as car cleaning and refueling, allowing customers to enjoy the benefits of transportation without the commitment of owning a personal vehicle.

Carvolution AG is a car subscription service based in Bern, Switzerland, founded in 2017. The company provides a fully digital platform that allows customers to lease and rent vehicles with a monthly subscription model. This service includes vehicle registration, taxes, insurance, maintenance, and tires, simplifying the car ownership experience by eliminating long-term commitments and additional costs. Subscribers can conveniently select their desired vehicle online and pay a fixed monthly fee, which excludes only gasoline or charging expenses. Carvolution aims to reshape traditional car ownership by offering a hassle-free and flexible alternative to purchasing and leasing vehicles, ultimately saving customers time and money while enhancing overall efficiency.

Ampla Technologies is a financial technology company that specializes in delivering tech-enabled financial solutions aimed at fostering business growth. Its comprehensive platform offers a range of services including growth capital solutions, modern banking services, and data analytics. By streamlining access to capital and providing essential financial tools, Ampla addresses the cash flow challenges faced by omnichannel businesses. The company's focus is on facilitating efficient growth through brand-friendly services that support operational needs and enhance financial management.

Purchasing Power is a financial wellness and purchasing platform that enables employees of participating organizations to acquire brand-name products and vacation packages through payroll deductions. By providing a voluntary benefit program, the company promotes financial responsibility and wellness among its users, which include a diverse clientele such as federal employees and retirees. Purchasing Power offers credit alternatives that allow employees to make online purchases and pay for them over time, thereby easing financial burdens while enhancing employee satisfaction and engagement.

Abound is a consumer lending startup based in London, United Kingdom, that aims to provide low-cost personal credit as an alternative to expensive payday loans. Founded in 2020, the company leverages the UK’s Open Banking standard to analyze consumers' historical bank statement data. This approach allows Abound to develop a detailed understanding of customers' financial situations, enabling them to assess affordability more accurately while reducing dependence on traditional credit reference agency scores. By focusing on individuals with low credit scores, Abound seeks to expand access to affordable credit, thereby promoting financial inclusion.

OnPoint Warranty Solutions LLC is a company that specializes in providing a comprehensive range of underwriting services and warranty programs. Founded in 2018 and headquartered in Louisville, Kentucky, the company offers OEM warranty administration, extended warranty and service contract programs, as well as services for accidental damage and loss or theft. Additionally, OnPoint provides service fulfillment, service administration technology, and logistics support, both forward and reverse. Targeting a diverse client base that includes manufacturers, retailers, e-tailers, device manufacturers, and service providers, OnPoint operates across various industries such as appliances, electronics, HVAC, personal computing, and emerging technologies.

Sunbit, Inc., incorporated in 2015 and based in Los Angeles, California, specializes in financing services that allow consumers to split purchases into manageable payments. The company develops a pay-over-time platform that utilizes artificial intelligence and machine learning to approve a majority of applicants, making financial services accessible to a broad audience. Sunbit offers point-of-sale lending technology applicable to various service sectors, including auto dealership service centers, optical practices, dental offices, and specialty healthcare services. Their commitment to reducing financial stress for consumers is reflected in the convenience of their services, which are also accessible through mobile applications on both major platforms. Additionally, Sunbit provides tablets, scanners, signs for stores, and informational sheets for customers to enhance their offerings in retail environments.

Steady is a leading technology platform for property managers and owners of single-family rental homes. Steady offers a suite of tailored financial and insurance products that are designed to reduce risk for the owners generate ancillary revenue for our property manager partners. Steady’s technology provides property managers with products that benefit their owners, while also giving them competitive differentiation to grow their businesses.

FINN is a company that specializes in monthly car subscriptions, providing a sustainable alternative to traditional car ownership. By offering all-inclusive, readily available subscriptions, FINN aims to simplify mobility for individuals who enjoy driving but seek to avoid the hassles, long-term commitments, and hidden costs associated with owning a vehicle. The company's platform caters to those who do not own a car, making it easier for customers to access reliable transportation while promoting sustainable mobility practices.

Steady is a leading technology platform for property managers and owners of single-family rental homes. Steady offers a suite of tailored financial and insurance products that are designed to reduce risk for the owners generate ancillary revenue for our property manager partners. Steady’s technology provides property managers with products that benefit their owners, while also giving them competitive differentiation to grow their businesses.

in3 is a Dutch FinTech, founded in 2018 at the heart of Eindhoven's innovative top technology region with one goal: creating ease of payment for online shoppers. We offer BNPL to consumers to pay in 3 instalments at 0% interest. At the same time, we take over the potential risks of the webshop. We are a social responsible BNPL solution which does not make money out people who pay late or don't pay but out of succesfull payments. We don't charge late fees and with our state of the art credit check we offer consuments a spending limit that doesn't get them in debts. The former company name Capayable B.V., founded in 2013, which offered Pay Later and Pay in 3 instalments is officially rebranded into in3.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and formerly known as Tremus, Inc., the company utilizes machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve employs various predictive attributes, including education, major, cost of education, source of initial funding, and future employability, to determine a student's ability to repay. The company operates a mobile-first credit card platform built on cloud-native and API-enabled architecture, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to deliver personalized experiences for cardholders.

FINN is a company that specializes in monthly car subscriptions, providing a sustainable alternative to traditional car ownership. By offering all-inclusive, readily available subscriptions, FINN aims to simplify mobility for individuals who enjoy driving but seek to avoid the hassles, long-term commitments, and hidden costs associated with owning a vehicle. The company's platform caters to those who do not own a car, making it easier for customers to access reliable transportation while promoting sustainable mobility practices.

Generation Home is a new mortgage lender dedicated to making homeownership work better for everyone.

FINN is a company that specializes in monthly car subscriptions, providing a sustainable alternative to traditional car ownership. By offering all-inclusive, readily available subscriptions, FINN aims to simplify mobility for individuals who enjoy driving but seek to avoid the hassles, long-term commitments, and hidden costs associated with owning a vehicle. The company's platform caters to those who do not own a car, making it easier for customers to access reliable transportation while promoting sustainable mobility practices.

Flexiti Financial Inc. is a Canadian fintech company that specializes in providing sales financing solutions to businesses and consumers. Founded in 2013 and headquartered in Toronto, with an additional office in Rosario, Argentina, Flexiti offers point-of-sale financing options that feature lower interest rates, longer payment terms, and revolving credit. Utilizing a mobile application and patented ID scanning technology, the company streamlines the financing process for customers, allowing for quick approvals and flexible payment options. Its services are designed to support partners in various sectors, including retail, health, and home improvement, enabling them to enhance sales and growth while helping consumers access the products and services they desire more affordably and conveniently.

Ribbon Home, Inc. is an online real estate platform established in 2017 and headquartered in New York, New York. The company aims to facilitate home ownership by enabling homeowners to purchase new properties before selling their existing ones. By collaborating with local Realtors, Ribbon Home provides clients with the flexibility and time needed to secure the best possible sale price for their current homes. In addition to its real estate services, the company offers financing and leasing options to assist buyers in acquiring properties. Ribbon Home strives to simplify and streamline the home buying process, making it more accessible and less stressful for families looking to transition to new homes.

Newcleus is a provider of compensation and financing strategies specifically tailored for banking and credit union institutions. The company designs and administers secure compensation, benefits, investment, and financing solutions, utilizing a client-centric technology platform to enhance service delivery. Newcleus offers a range of products, including employer-owned life insurance and annuity options, alongside comprehensive employee benefits design and analysis, compensation consulting, and investment strategies. With a focus on income generation and employee retention, Newcleus serves over 750 clients by leveraging proprietary software to customize investment management according to their specific needs. The company is committed to delivering exceptional service and innovative solutions, ensuring that clients achieve a greater return on their investments.

Funding Circle is a UK-based company established in 2010, operating an online marketplace that connects small and medium-sized businesses seeking loans with a diverse range of investors, including individuals, banks, asset management companies, and government-backed entities. The platform facilitates both unsecured and secured loans for various purposes such as business growth, working capital, asset purchase, and property development. Funding Circle also works with institutional investors on securitization programs and acts as a special purpose entity issuing debt securities. The company's mission is to provide businesses with access to finance and investors with attractive returns, fostering economic growth and job creation.

Lendable operates a peer-to-peer lending platform that streamlines the loan borrowing process. By connecting borrowers directly with investors, it eliminates the traditional banking structure, which often involves complex paperwork and lengthy procedures. Lendable offers paperless loans that can be accessed quickly and efficiently, allowing users to receive personalized rates without impacting their credit scores. This approach provides fair lending options for individuals, including those with less-than-perfect credit histories, making it easier for them to secure the financing they need.

Lendable operates a peer-to-peer lending platform that streamlines the loan borrowing process. By connecting borrowers directly with investors, it eliminates the traditional banking structure, which often involves complex paperwork and lengthy procedures. Lendable offers paperless loans that can be accessed quickly and efficiently, allowing users to receive personalized rates without impacting their credit scores. This approach provides fair lending options for individuals, including those with less-than-perfect credit histories, making it easier for them to secure the financing they need.

Flex Fleet Rental LLC, established in 2012 and based in Salt Lake City, Utah, specializes in providing truck rental services across the United States. The company offers a range of vehicles, including light and medium-duty trucks, pick-up trucks (such as 1/2 ton and 3/4 ton models), flatbed trucks (including 1 ton and 1.5 ton models), and vans. These rentals are available on a month-to-month basis, catering to both commercial operations and consumers nationwide. Flex Fleet Rental focuses on delivering the right vehicles at the appropriate time and location, aiming to streamline the rental process and support customers' project demands efficiently.

Future Finance is a non-government lender specializing in student loans, founded in 2014 by Brian Norton and Vishal Garg. Headquartered in Dublin, the company aims to eliminate financial barriers to education, allowing students to focus on their studies and career aspirations. Future Finance offers straightforward loan facilities designed for both undergraduate and postgraduate students, covering tuition fees and living expenses. By providing accessible financing options, the company seeks to empower individuals from diverse financial backgrounds to achieve their educational goals without the stress of financial constraints.

Fundation Group LLC, established in 2011 and headquartered in Reston, Virginia, specializes in developing and providing a digital credit lending platform. This platform connects financial institutions with small businesses, facilitating access to working capital and growth capital. Fundation partners with banks and other institutions, offering outsourced lending and referral programs, along with point-of-sale financing solutions. The company's mission is to empower the small business economy by enabling critical institutions to better serve their small business clients through technology and advanced analytics.

BorrowersFirst is a Delaware-based company that specializes in providing personal loans through an innovative online consumer lending platform. The company aims to connect consumers to credit by streamlining the lending process with secure technology, allowing for quick loan approvals in seconds and funding within as little as two days. BorrowersFirst is committed to offering competitive fixed rates and affordable monthly payments that remain stable over time, ensuring that customers receive the best possible terms without unnecessary perks or additional costs.

EdgeCo Holdings is a provider of technology-enabled solutions designed for financial intermediaries and their clients. The company specializes in retirement services, offering a comprehensive suite that includes full-service retirement plan administration, brokerage, advisory, and trust services, as well as custody solutions. By leveraging advanced technology, EdgeCo supports a diverse national client base, facilitating access to a broad array of financial services. The company aims to enhance the operational efficiency and service quality for its clients in the financial sector.

FlexShopper, Inc. is an online lease-to-own retailer based in Boca Raton, Florida, that provides a wide variety of durable goods to consumers. Founded in 2003, the company offers an extensive selection of over 140,000 products, including furniture, electronics, appliances, and household accessories, through its e-commerce platform, FlexShopper.com. The company specializes in lease-to-own payment solutions, allowing consumers to acquire products from third-party retailers and e-tailers with affordable weekly payments. FlexShopper's innovative approach facilitates transactions by utilizing a patented payment method, making it easier for customers to access popular brand-name goods without the need for large upfront payments.