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 credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

Sunbit, Inc. is a financing service provider that enables users to split purchases into affordable payments, enhancing financial accessibility for everyday needs. Founded in 2015 and headquartered in Los Angeles, California, the company utilizes artificial intelligence and machine learning technology to approve a majority of applicants, thereby reducing the financial stress associated with larger purchases. Sunbit offers a point-of-sale lending platform that is integrated into various service locations, including auto dealerships, optical practices, dental offices, and specialty healthcare services. In addition to its financing solutions, Sunbit provides tools such as tablets, scanners, and informational sheets to assist retailers in facilitating transactions. The company also has mobile applications available on major platforms, allowing users to access its services conveniently from their smartphones.

Fundbox is an AI-powered financial platform based in San Francisco, established in 2013 by co-founders Eyal Shinar, Tomer Michaeli, and Yuval Ariav. The company provides small businesses with quick and intuitive access to credit, aiming to enhance customer growth within the small business economy. Fundbox utilizes machine learning and deep data analytics to offer invoice financing and lines of credit, allowing small and mid-sized enterprises to efficiently accelerate cash flow against outstanding invoices. This approach not only improves payment terms but also helps increase average order volumes and close rates for its clients.

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 that specializes in providing on-demand car rentals delivered directly to customers' locations. Founded in 2019 in San Francisco by Francesco Wiedemann, Ludwig Schoenack, and Nikolaus Volk, Kyte allows customers to rent vehicles for varying durations, from a single day to several weeks or months. Operating in over ten cities across the United States, the company aims to simplify travel by offering services that include car delivery, cleaning, and refueling, thus eliminating the necessity for individuals to purchase their own vehicles for longer trips. Kyte is experiencing rapid growth as it expands its reach and services.

Carvolution AG is a car subscription service based in Bern, Switzerland, that provides an alternative to traditional vehicle purchasing and leasing. Founded in 2017, the company offers a fully digital platform where customers can select their desired car and pay a fixed monthly fee. This fee encompasses all essential costs such as vehicle registration, taxes, insurance, maintenance, and tires, excluding only gasoline or charging expenses. By streamlining the car ownership experience, Carvolution removes the complexities and inflexibilities associated with traditional leasing and ownership, allowing consumers to enjoy the convenience of a subscription model without long-term commitments.

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, founded in 2018 and headquartered in Louisville, Kentucky, provides a comprehensive range of underwriting services and warranty programs. The company specializes in OEM warranty administration, extended warranties, service contracts, and programs for accidental damage and theft. Its offerings also include service fulfillment, service administration technology, and logistics solutions. OnPoint serves a diverse clientele, including manufacturers, retailers, online retailers, device manufacturers, service providers, and consumers across various industries such as appliances, electronics, HVAC, personal computing, and emerging technologies.

Sunbit, Inc. is a financing service provider that enables users to split purchases into affordable payments, enhancing financial accessibility for everyday needs. Founded in 2015 and headquartered in Los Angeles, California, the company utilizes artificial intelligence and machine learning technology to approve a majority of applicants, thereby reducing the financial stress associated with larger purchases. Sunbit offers a point-of-sale lending platform that is integrated into various service locations, including auto dealerships, optical practices, dental offices, and specialty healthcare services. In addition to its financing solutions, Sunbit provides tools such as tablets, scanners, and informational sheets to assist retailers in facilitating transactions. The company also has mobile applications available on major platforms, allowing users to access its services conveniently from their smartphones.

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 car subscription service that aims to provide a sustainable alternative to traditional car ownership. The company offers monthly subscriptions that include all necessary services, allowing customers to enjoy the benefits of driving without the associated challenges and hidden costs of owning a vehicle. By focusing on transparency and convenience, FINN caters to individuals who appreciate the freedom of having their own car but seek a more flexible and hassle-free solution. The platform enables users to access vehicles on-demand, promoting a more sustainable approach to mobility.

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 other financial products tailored for international students in the United States. Founded in 2012 and originally known as Tremus, Inc., the company leverages machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve utilizes various predictive attributes, such as education and future employability, to evaluate a student's ability to repay. Additionally, the company operates a mobile-first, cloud-native platform, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to enhance the customer experience.

FINN is a car subscription service that aims to provide a sustainable alternative to traditional car ownership. The company offers monthly subscriptions that include all necessary services, allowing customers to enjoy the benefits of driving without the associated challenges and hidden costs of owning a vehicle. By focusing on transparency and convenience, FINN caters to individuals who appreciate the freedom of having their own car but seek a more flexible and hassle-free solution. The platform enables users to access vehicles on-demand, promoting a more sustainable approach to mobility.

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

FINN is a car subscription service that aims to provide a sustainable alternative to traditional car ownership. The company offers monthly subscriptions that include all necessary services, allowing customers to enjoy the benefits of driving without the associated challenges and hidden costs of owning a vehicle. By focusing on transparency and convenience, FINN caters to individuals who appreciate the freedom of having their own car but seek a more flexible and hassle-free solution. The platform enables users to access vehicles on-demand, promoting a more sustainable approach to mobility.

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 founded in 2017 and based in New York, New York. The company facilitates the buying and selling of properties, offering services that enable homeowners to purchase new homes before selling their existing ones. By collaborating with local realtors, Ribbon Home provides clients with the opportunity to secure their desired homes while allowing them the time and flexibility to sell their current properties at favorable prices. The company aims to simplify the home buying process, making it more accessible and less stressful for families. Additionally, Ribbon Home offers financing and leasing services to support buyers in acquiring their homes.

Newcleus specializes in providing compensation and financing strategies tailored for financial institutions, such as banks and credit unions. The company offers a range of services, including employer-owned life insurance, annuity products, employee benefits design, compensation consulting, and investment strategies. Its client-centric administration technology platform is designed to enhance income generation and improve employee retention. By leveraging proprietary software and analyzing industry trends, Newcleus aims to deliver customized solutions that meet the specific needs of its clients. With a commitment to exceptional service, the company supports over 750 clients in maximizing their investments and achieving their financial objectives.

Funding Circle Limited is an online marketplace based in London, United Kingdom, that facilitates direct lending between individuals and organizations and small to medium-sized businesses seeking finance. Established in 2009, the company aims to address the financing gap faced by businesses while offering attractive returns for investors. Funding Circle provides both unsecured and secured loans that can be used for various purposes, including business growth, working capital, asset purchases, and property development. The platform serves a diverse clientele across multiple industries, including software, retail, energy, healthcare, construction, e-commerce, and industrial sectors. By connecting lenders directly with borrowers, Funding Circle fosters economic growth by enabling businesses to access the funds they need to thrive.

Lendable is a lending platform. When you borrow money, it comes straight from an investor. Unlike banks, who hand out loans from piles of cash they look after on behalf of savers. Their platform is super-fast (you’ll see in a moment), and makes lending as hassle- free as possible. It’s a matter of a few clicks and you get your quote. Unlike banks, who require paperwork and run expensive branch networks.

Lendable is a lending platform. When you borrow money, it comes straight from an investor. Unlike banks, who hand out loans from piles of cash they look after on behalf of savers. Their platform is super-fast (you’ll see in a moment), and makes lending as hassle- free as possible. It’s a matter of a few clicks and you get your quote. Unlike banks, who require paperwork and run expensive branch networks.

Flex Fleet Rental LLC, founded in 2012 and based in Salt Lake City, Utah, specializes in the leasing and rental of light and medium-duty trucks for commercial customers across the United States. The company offers a diverse fleet, including 4×4 light-duty trucks, heavy-duty pickups, flatbed trucks, and vans, available on a month-to-month basis. Flex Fleet Rental is dedicated to enhancing the truck rental experience by ensuring timely delivery of the right vehicles to meet the specific needs of its clients. By focusing on customer relationships and operational efficiency, the company enables businesses to effectively manage their project demands, including reliable job site delivery and pickup services.

Future Finance is a non-government lender based in Dublin that specializes in providing student loans. Founded in 2014 by Brian Norton and Vishal Garg, the company aims to eliminate financial barriers to education, allowing students to focus on their studies and career aspirations regardless of their financial backgrounds. Future Finance offers straightforward loan facilities that can be used for tuition fees and living expenses associated with both undergraduate and postgraduate studies. By prioritizing the future potential of students rather than their past financial circumstances, the company seeks to empower individuals to achieve their educational goals with ease.

Fundation is a technology-driven company focused on enhancing the credit delivery process for small and medium-sized businesses (SMBs). By combining financial services expertise with modern digital technology, Fundation has developed a digital account origination and insights platform that simplifies the borrowing and account opening experience for SMBs. This platform streamlines loan and deposit origination workflows for various products, including business loans, lines of credit, and checking accounts. Fundation partners with a range of financial institutions, from community banks to B2B vendors, to empower them in serving their small business clients more effectively. The company's mission is to support the small business economy by providing innovative solutions that improve the overall experience for both lenders and borrowers.

BorrowersFirst is an online consumer lending platform that specializes in providing personal loans at competitive rates. The company focuses on streamlining the lending process through secure technology, allowing for quick loan approvals and funding in as little as two days. BorrowersFirst aims to connect consumers to credit in an efficient manner, offering low fixed rates and affordable monthly payments that remain consistent throughout the loan term. By minimizing operational costs, BorrowersFirst is able to pass savings on to its customers, ensuring they receive the best possible rates without added perks or hidden fees.

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 and payment solution provider based in Boca Raton, Florida. Operating through its subsidiary, FlexShopper, LLC, the company offers a wide range of products, including residential furniture, consumer electronics, appliances, and other durable goods, allowing consumers to acquire these items through flexible weekly payment plans. FlexShopper provides an e-commerce marketplace at