Waterfall Asset Management

finn GmbH is a Munich-based company that specializes in leasing and renting cars, providing a variety of vehicles such as mini cars, SUVs, vans, and combinations from brands including Hyundai, Jaguar, Land Rover, Opel, and Range Rover. The company offers an all-inclusive monthly car subscription service that allows customers to enjoy the benefits of car ownership without the associated challenges and hidden costs. Additionally, finn is committed to sustainability, as it compensates for CO2 emissions by planting trees for every journey taken by its customers. This approach aims to make mobility both enjoyable and environmentally friendly.

Operator of the rental insurance platform intended to protect landlords against defaults by tenants. The company's platform offers a suite of tailored financial and insurance products that were designed to reduce risk, eliminate bad debt, and generate ancillary revenue, property managers of residential rental units, enabling property managers with products that benefit their owners, while also giving them a competitive advantage for their business.

Operator of the rental insurance platform intended to protect landlords against defaults by tenants. The company's platform offers a suite of tailored financial and insurance products that were designed to reduce risk, eliminate bad debt, and generate ancillary revenue, property managers of residential rental units, enabling property managers with products that benefit their owners, while also giving them a competitive advantage for their business.

Capayable was founded in 2013 at the heart of Eindhoven's innovative top technology region with one goal: creating ease of payment for online shoppers. We do this by paying online shoppers safely afterwards or in installments at 0% interest. At the same time, we take over the potential risks of the webshop. This together makes it increasingly popular with online shoppers and webshops for Capayable payment solutions.

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 rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.

finn GmbH is a Munich-based company that specializes in leasing and renting cars, providing a variety of vehicles such as mini cars, SUVs, vans, and combinations from brands including Hyundai, Jaguar, Land Rover, Opel, and Range Rover. The company offers an all-inclusive monthly car subscription service that allows customers to enjoy the benefits of car ownership without the associated challenges and hidden costs. Additionally, finn is committed to sustainability, as it compensates for CO2 emissions by planting trees for every journey taken by its customers. This approach aims to make mobility both enjoyable and environmentally friendly.

finn GmbH is a Munich-based company that specializes in leasing and renting cars, providing a variety of vehicles such as mini cars, SUVs, vans, and combinations from brands including Hyundai, Jaguar, Land Rover, Opel, and Range Rover. The company offers an all-inclusive monthly car subscription service that allows customers to enjoy the benefits of car ownership without the associated challenges and hidden costs. Additionally, finn is committed to sustainability, as it compensates for CO2 emissions by planting trees for every journey taken by its customers. This approach aims to make mobility both enjoyable and environmentally friendly.

Flexiti Financial Inc. is a sales financing company based in Toronto, Canada, with an additional office in Rosario, Argentina. Founded in 2013, Flexiti specializes in providing flexible sales financing options, including lower interest rates, longer payment terms, and revolving credit, primarily targeting the retail, health, and home improvement sectors. The company utilizes a mobile application process and patented ID scanning technology to facilitate point-of-sale financing for consumers, ensuring a quick and efficient application experience. Flexiti's focus on customer service and its robust credit policies enable high credit approval rates, allowing consumers to access promotional offers and shop conveniently at a network of retailers. By leveraging advanced technology and operational excellence, Flexiti aims to enhance the purchasing experience for customers while supporting business growth for its partners.

Ribbon Home, Inc. operates an online real estate platform that facilitates the buying and selling of properties. Founded in 2017 and based in New York, the company aims to make homeownership more accessible by allowing clients to purchase a new home before selling their existing one. This model provides homeowners with the flexibility and time needed to secure the best possible price for their current property. Ribbon collaborates with realtors in local markets, creating a supportive ecosystem that simplifies the home buying process and eliminates mortgage contingencies, thereby reducing stress for families looking to transition to their next home.

Provider of compensation and financing strategies intended for banking and credit union institutions. The company utilizes its client-centric administration technology platform to offer employer-owned life insurance and annuity products as well as employee benefits design and analysis, compensation consulting, and investment strategies, helping clients with income generation and employee retention.

Funding Circle is a London-based online lending platform established in 2010 that connects investors with small and medium-sized businesses seeking capital. Operating in the United Kingdom, the United States, Germany, the Netherlands, and Spain, Funding Circle facilitates direct lending through its marketplace, allowing a variety of investors—including individuals, banks, local councils, and institutional investors—to fund business loans. The platform offers both secured and unsecured loans to help businesses with various financial needs, such as working capital, asset purchases, and property development. Additionally, Funding Circle collaborates with institutional investors on securitization programs and issues loan payment dependent debt securities. By bridging the gap between businesses in need of funding and investors seeking attractive returns, Funding Circle aims to create a mutually beneficial relationship that supports 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, 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, enabling students to focus on their studies and career aspirations regardless of their financial background. Future Finance offers straightforward loan facilities that cover tuition fees and living expenses for both undergraduate and postgraduate studies, ensuring a hassle-free financing experience for individuals pursuing higher education. The company's mission is to support students in fulfilling their potential by making education accessible and affordable.

Fundation Group LLC is a digital credit lending platform based in Reston, Virginia, that connects financial institutions with small businesses to facilitate access to working and growth capital. Founded in 2011, the company partners with a variety of banks and B2B vendors to enhance the credit delivery process through technology and advanced analytics. Fundation offers a range of services, including outsourced lending, referral programs, and point-of-sale financing solutions. Its platform is designed to simplify the borrowing experience and streamline loan and deposit origination workflows for small and medium-sized businesses. By focusing on innovation, Fundation aims to empower its partners to better serve their small business clients, thereby strengthening the small business economy.

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 is a provider of best-in-class technology-enabled solutions for financial intermediaries and their clients.

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