Y Combinator

Erad is a company that provides expansion capital to online enterprises, focusing primarily on startups in the Middle East. It operates an online fund management platform that enables these businesses to connect their sales, marketing, and accounting data. By doing so, Erad facilitates access to non-dilutive capital funding, allowing businesses to secure the growth funding they need without sacrificing ownership. In addition to financial support, the platform offers key insights and analyses that help businesses optimize their operations and increase profitability.

From bookkeeping to tax filing—Minerva effortlessly does your business accounting at a fraction of the cost.

Nsave is a fintech startup that specializes in digital banking services, focusing on providing a secure platform for saving in various currencies, including USD, EUR, and GBP. The company aims to enhance financial inclusion by offering services that do not impose account restrictions, allowing customers to access global safe accounts for their funds. With a commitment to financial security, Nsave ensures that users can manage their savings with confidence and ease.

R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

Apten is a technology company that specializes in an AI-powered automated SMS tool designed for local businesses. This innovative platform aids in qualifying and nurturing leads through SMS communication, allowing businesses to proactively engage with customers. Apten's customizable solution facilitates timely responses and follow-ups, ensuring that client interactions are effectively managed. By leveraging artificial intelligence, Apten enhances the sales process for businesses, enabling them to streamline customer communication and improve their overall sales performance.

Village Labs is an IT and Internet firm that is working to make businesses employee owned.

Oway is a marketplace that allows SMBs to affordably ship small batches of freight overnight.

Workpay, established in 2017 and headquartered in Nairobi, Kenya, specializes in providing cloud-based payroll, benefits, and human resource management software tailored for small and medium-sized businesses in Africa. Its comprehensive solution includes time and attendance tracking, HR and payroll processing, employee self-service management, and payment processing, including support for mobile wallets. Workpay simplifies employee management and ensures compliance, enabling businesses to hire both local and remote teams across Africa without the need for local entities.

Hive Health is a digital FinTech platform based in the Philippines that specializes in providing accessible and affordable healthcare coverage plans. The company offers an all-in-one health insurance solution, enabling small to medium-sized businesses to support their employees' well-being. By facilitating access to a wide network of healthcare providers, Hive Health aims to simplify the process of obtaining quality healthcare for its users, promoting healthier lifestyles within the workforce.

Happl is a technology company that develops a social platform aimed at fostering inclusivity and employee well-being in businesses worldwide. Its platform provides insights for HR leaders to understand their workforce's well-being, while also offering spend cards for streamlined expense management, empowering managers to engage with and support their teams effectively.

Business banking platform for cross-border SMBs and Startups

Malibou is a company focused on creating an all-in-one payroll and human resources software tailored for startups and small to medium-sized businesses in France. Its software simplifies complex HR processes by integrating various functionalities such as absence management, leave tracking, automated onboarding, schedule monitoring, personnel management, calendar synchronization, and bulletin distribution. By providing a comprehensive solution, Malibou enables clients to streamline operations, reduce reliance on multiple software tools, and minimize the manual collection of payroll data, allowing them to concentrate on their core business activities.

Nsave is a fintech startup that specializes in digital banking services, focusing on providing a secure platform for saving in various currencies, including USD, EUR, and GBP. The company aims to enhance financial inclusion by offering services that do not impose account restrictions, allowing customers to access global safe accounts for their funds. With a commitment to financial security, Nsave ensures that users can manage their savings with confidence and ease.

Conta Simples is a comprehensive finance platform that combines checking accounts, expense management software, and corporate cards. It aims to provide control, visibility, autonomy, and decentralization of payments for small and medium-sized businesses in Latin America.

Spade provides a transaction data enrichment platform powered by a large first-party data network. Its API delivers real-time, granular card-transaction details, including merchant identity, category, and geolocation, enabling issuers, anti-fraud providers, and fintechs to improve authorization rates, reduce fraud, and innovate with richer payment insights.

Shekel Mobility is a technology company that provides a comprehensive platform for auto dealerships. It offers integrated solutions for inventory management, credit financing, and business operations, empowering dealers to streamline processes, enhance cash flow, and drive sustainable growth.

Smobi operates a business marketplace that streamlines the sales process for small and medium-sized businesses. It offers a platform connecting verified buyers with business listings, supported by financial documents, and facilitates interactive communication to enhance customer relationships.

Twine makes sure your small business never misses a potential customer because of a missed call. We use conversational AI to engage customers over text, finding out what they need and booking them for a service.

MindsDB Inc. is a company specializing in an automated machine learning platform that empowers users to derive insights from their data. Founded in 2017 by Adam Carrigan and Jorge Torres, the company aims to democratize machine learning, allowing users to pose predictive questions and receive accurate answers. MindsDB offers a versatile platform applicable in various sectors, including retail, financial services, healthcare, and manufacturing, facilitating tasks such as credit scoring, customer lifetime value optimization, fraud detection, and predictive maintenance. By automating the processes involved in generating quality predictions, MindsDB enables organizations to leverage the capabilities of a skilled data science team at a fraction of the cost. The firm is headquartered in Berkeley, California, and gained recognition as one of America's most promising AI companies after graduating from YCombinator's Winter 2020 batch.

Gleam Care offers self-funded health insurance plans tailored for businesses. Its platform specializes in providing affordable, high-quality health plans that integrate seamlessly with HR tools and can be set up efficiently.

SpecCheck is an optical platform designed to enhance the efficiency of eye care specialists. It offers an all-in-one solution that facilitates accurate prescription eyewear ordering and tracking, seamless billing, and improved communication among patients, eye doctors, and lab partners. By optimizing these processes, SpecCheck enables users to work more efficiently and reduce costly errors, ultimately increasing productivity and enhancing overall workflow within the eye care industry.

Second is a company that specializes in providing developer tools, software, and web applications. Their main product, Second Step, is an automated code migration tool for developers. This tool is designed to streamline the process of code migration, making it more efficient and less prone to errors. In addition to this, Second also offers a range of other software development services and solutions. Their offerings are designed to support developers in their work, helping them to create high-quality, reliable software and web applications.

Mogara automates the collection and categorization of software development activity for accounting teams. Its platform integrates with existing systems to automatically identify capitalizable expenses, track software balances in real-time, and facilitate R&D cost reduction.

Speedy Brand operates in the artificial intelligence, content, and SEO industries. The company provides generative AI-powered marketing content for small and medium-sized businesses (SMBs). Their services include creating high-quality, personalized, SEO-optimized blogs and social media content. Speedy Brand's content creation process is significantly faster due to the use of generative AI, making it a valuable resource for businesses looking to enhance their online presence and brand storytelling.

DailyPe is a marketplace that focuses on providing small-term business loans with minimal paperwork. The company operates a platform designed to facilitate daily loan repayments, allowing businesses to manage their financing needs efficiently. By utilizing an auto-debit system linked to a digital wallet, DailyPe ensures that installment amounts are automatically deducted at the time of repayment. This streamlined process enables merchants to accept payments easily and conduct transactions without disruption, supporting their operational cash flow and overall financial health. Through its services, DailyPe aims to simplify access to capital for businesses, fostering growth and stability in the marketplace.

Invopop simplifies international invoicing for software companies. It offers an API that records sales, converts them into compliant invoices, and reports them to the appropriate tax authorities in the correct format.

Fynn provides private loan services and a financial assistance platform that supports students pursuing trade and vocational education. The company underwrites students based on future potential rather than conventional credit metrics, and seeks to align its interests with schools and students to promote success from enrollment through employment. By offering financially accessible loans, Fynn aims to remove barriers to education and help borrowers achieve long-term financial stability through targeted, career-oriented training.

Feather is a Berlin-based company that offers personalized insurance advice to customers in Germany. Founded in 2018, it specializes in recommending various insurance policies, including liability, car, renter’s, life, disability, and savings. Feather has developed a digital insurance platform that ensures transparency throughout the customer experience, from policy selection to claims processing and termination. The platform is designed to provide clients with honest and straightforward guidance, enabling them to make informed decisions about their insurance needs.

Gimo, founded in 2019, is a Vietnamese fintech company that specializes in Earned Wage Access (EWA) and payroll services tailored for underbanked workers in Vietnam. The company aims to address the financial needs of millions of individuals who lack bank accounts or have limited access to traditional financial services. By providing a secure and convenient pay-on-demand solution, Gimo allows users to request income payments in advance and track their earnings through a mobile app integrated with their employers' human resource and payroll systems. This approach not only enhances cash flow management for businesses but also promotes financial inclusion, helping workers alleviate financial stress and build financial security.

Shekel Mobility is a technology company that provides a comprehensive platform for auto dealerships. It offers integrated solutions for inventory management, credit financing, and business operations, empowering dealers to streamline processes, enhance cash flow, and drive sustainable growth.

Pivo is a financial platform designed to democratize access to financial services for small and medium-sized businesses across Africa. By providing a comprehensive suite of tools tailored for the supply chain sector, Pivo enables clients to efficiently access various financial services from a single hub. This approach fosters a more streamlined and effective means for businesses to engage with borderless financial solutions, ultimately enhancing their operational capabilities and growth potential.

Milio streamlines B2B payments for small-to-medium enterprises and mid-market businesses. Its platform automates recurring collections and payouts, facilitates seamless domestic and cross-border transactions, and offers cash management solutions.

Vance is a financial services provider focused on offering non-dilutive funding to revenue-generating startups. The company has developed a global neo-bank that facilitates access to a comprehensive banking infrastructure, allowing users to manage their finances seamlessly while traveling. Vance enables zero-cost, real-time payments across various countries, empowering consumers to conduct banking transactions across borders through a unified interface. This approach aims to support startups by providing essential financial resources without compromising their ownership stakes.

Erad is a company that provides expansion capital to online enterprises, focusing primarily on startups in the Middle East. It operates an online fund management platform that enables these businesses to connect their sales, marketing, and accounting data. By doing so, Erad facilitates access to non-dilutive capital funding, allowing businesses to secure the growth funding they need without sacrificing ownership. In addition to financial support, the platform offers key insights and analyses that help businesses optimize their operations and increase profitability.

GroMo is a fintech marketplace that empowers individuals in India to become micro-entrepreneurs by selling a variety of financial products, including insurance policies, credit cards, savings accounts, and loans. The platform allows users to partner with banks and non-banking financial companies (NBFCs) to distribute these products, enabling them to earn substantial income with no initial investment. GroMo provides a user-friendly mobile app that facilitates sales from anywhere, offering features such as instant payouts, training and certification programs, customer management tools, and robust customer support. With over 1.4 million partners, GroMo aims to financially empower its users, allowing them to earn over INR 1 lakh monthly by leveraging the app's capabilities. This innovative platform not only simplifies the sales process but also fosters a community of individuals who can enhance their financial knowledge and grow their businesses through referrals and personalized engagement.

Stellar is a productivity platform based in San Francisco, California, founded in 2022. The company focuses on enhancing the modern workplace experience through its performance management system, which utilizes a modified version of Objectives and Key Results (OKRs). Stellar's platform assists organizations in establishing ambitious targets, fostering ongoing learning, and continuously iterating to improve quarterly performance. It also facilitates the creation of team objectives, enhances productivity, improves employee retention, and encourages career development conversations, allowing employees to monitor their progress in real-time.

Delegasi operates an AI-driven virtual financial assistant tailored for food and beverage businesses in Indonesia. It automates financial reporting by processing uploaded receipts, generating monthly income statements, cash flow statements, and balance sheets. The platform also offers business analysis tools, helps manage raw material usage, estimates profit-sharing cash, and provides expansion services.

Hero is a financial technology company based in Panama City, Panama, that was founded in 2021. The company provides an expense management platform aimed at small and medium-sized businesses (SMBs) in Latin America. This platform enables users to organize and control their expenses without relying on traditional methods such as pen and paper. Hero's innovative solution allows clients to send invoices via WhatsApp, which are then archived in the cloud. Utilizing artificial intelligence, the platform extracts data to create, edit, and review expenses and reports. This functionality helps businesses efficiently manage their invoices and utilize the gathered data for accounting and reporting purposes.

PayO is an Accounting and payments application that enables simplified billing, easy stock management, payment collections, and supplier payments for small businesses.

Cone Software is a business automation and artificial intelligence company that offers a comprehensive suite of software tools tailored for professional services and startups. The company functions as a B2B finance and accounting operating system, providing essential services such as bookkeeping, tax preparation, CFO services, and accounts payable/receivable management. It caters to a diverse clientele, including accounting firms, law firms, marketing agencies, and technology companies. By delivering an integrated platform for business management and proposals, Cone Software aims to empower its clients to effectively run and grow their businesses.

Patika is a financial technology company dedicated to supporting African microenterprises in transitioning to the digital economy. It offers a software-as-a-service (SaaS) application that assists small businesses in managing their financial operations. This includes tracking customer debt, facilitating repayments, and overseeing cash flow. By providing tools for receivable automation and payment services, Patika enables microenterprises to efficiently record their income, expenses, and repayments, thereby maintaining a comprehensive digital record of their financial health.

Peakflo is a SaaS platform that streamlines collections and payables for businesses in Southeast Asia. By offering a simple API and one‑click integration with accounting software, it automates back‑office workflows such as collections follow‑ups, procure‑to‑pay, invoice‑to‑cash, and expense management. The platform employs agentic workflows and AI voice agents to reduce manual effort, accelerate invoice payments by 10‑20 days, and cut vendor payment fees by 50‑90%. Finance teams across early‑stage startups to unicorns use Peakflo weekly to save time and improve cash flow.

OnScale develops a platform for talent management agencies to efficiently manage brand deals, track campaigns, and monitor revenue. It offers tools for campaign tracking, mobile apps for creators and managers, real-time analytics, sales dashboards, and financial reporting.

Ajourney is a company focused on creating a unified regional payroll platform to streamline payroll processes for businesses. By allowing founders to manage payroll for their employees with a single click, Ajourney eliminates the need for manual manipulation of records and the use of multiple online portals, ensuring compliance with relevant regulations. Additionally, Ajourney offers a productivity and people management tool that serves as a work journal, integrating with various work applications to consolidate information and action items. This tool is designed to enhance managerial leverage, enabling managers to improve their productivity and mental clarity in decision-making. Through these solutions, Ajourney aims to simplify the complexities of payroll and management for organizations of varying sizes.

Nsave is a fintech startup that specializes in digital banking services, focusing on providing a secure platform for saving in various currencies, including USD, EUR, and GBP. The company aims to enhance financial inclusion by offering services that do not impose account restrictions, allowing customers to access global safe accounts for their funds. With a commitment to financial security, Nsave ensures that users can manage their savings with confidence and ease.

Spade provides a transaction data enrichment platform powered by a large first-party data network. Its API delivers real-time, granular card-transaction details, including merchant identity, category, and geolocation, enabling issuers, anti-fraud providers, and fintechs to improve authorization rates, reduce fraud, and innovate with richer payment insights.

Faire is a two-sided marketplace connecting local retail stores with unique wholesale merchandise from brands and makers. It offers retailers tools for data insights, financial terms, and logistics support to compete with larger competitors. Faire's platform simplifies wholesale buying and selling processes, offering net 60 payment terms and free returns.

Kapital is a financial services company that provides a digital platform for small and medium-sized businesses to oversee treasury operations, streamline finances, and access financing. The solution enables centralized management of corporate spending, payroll distribution, and payments to services and suppliers, giving SMEs, freelancers, and startups greater visibility and control over cash flows. In Mexico City, Kapital operates as a commercial bank established in 2021, offering business-focused banking services including advisory on business credit, debt financing, investments, business checking accounts, credit cards, and promissory notes.

Creizer is a fintech company that supports online sellers by offering intelligent, flexible credit tailored to entrepreneurs who operate on online platforms. The platform provides financing to online regional sellers with customizable repayments tied to sales, enabling businesses to pay as they sell based on their store performance. By focusing on micro, small and medium-sized enterprises, Creizer helps online merchants access capital aligned with their sales cycles.

OnScale develops a platform for talent management agencies to efficiently manage brand deals, track campaigns, and monitor revenue. It offers tools for campaign tracking, mobile apps for creators and managers, real-time analytics, sales dashboards, and financial reporting.

Salt offers a digital banking platform that delivers borderless global payment and compliance solutions. The company's innovative system streamlines payment processes and documentation, allowing businesses to operate more efficiently. By providing an automated end-to-end platform, Salt enables users to manage their banking needs, including card services, from a single interface. This approach is designed to save time and resources for businesses, enhancing their operational effectiveness in a rapidly evolving financial landscape.

Tendo is an online platform based in Accra, Ghana, that facilitates independent reselling by connecting resellers with businesses. Founded in 2019, the company allows individuals to start their own online businesses without the need for upfront capital investment. Tendo sources ready-to-ship products from various suppliers, which are then made available to resellers who can add their profit margins. The platform also provides access to social media tools and enables resellers to list products at wholesale prices, eliminating the challenges of inventory management and transportation. This innovative approach empowers small businesses and individuals to thrive in the digital e-commerce landscape.

Valari is a developer of an embedded finance platform focused on small businesses in Latin America. The company specializes in providing credit products that are integrated directly into existing systems, allowing businesses to offer a range of financial services, including accounts, payments, and loans. By embedding these financial solutions, Valari enables its clients to generate additional revenue from each loan while fostering increased purchasing activity. This innovative approach supports the growth and accessibility of financial services for small enterprises in the region, ultimately enhancing their operational capabilities.

Salt offers a digital banking platform that delivers borderless global payment and compliance solutions. The company's innovative system streamlines payment processes and documentation, allowing businesses to operate more efficiently. By providing an automated end-to-end platform, Salt enables users to manage their banking needs, including card services, from a single interface. This approach is designed to save time and resources for businesses, enhancing their operational effectiveness in a rapidly evolving financial landscape.

Credibook is a startup focused on assisting Indonesian retail wholesalers in managing their financial operations through digital solutions. It offers a digital debt logbook application that enables users to efficiently track accounts payable and receivable, personal debts, and credit management. The platform simplifies the financial process by allowing clients to record customer debts and send reminders for overdue payments. By digitizing the supply chain between wholesale and retail, Credibook enhances inventory sourcing efficiency and supports business owners in managing their operations effectively. The company aims to expand its reach across Indonesia and into various business sectors.

Lenco is a neobank focused on providing online banking solutions tailored for small and medium-sized enterprises (SMEs) in Africa. The company offers easy-to-open and free-to-manage current bank accounts, along with various financial services designed to support business growth. Lenco's platform includes features such as spending analytics and customized account instructions, which allow businesses to manage their financial operations effectively and gain greater control over their teams. By streamlining banking processes and offering essential tools, Lenco aims to empower SMEs to thrive in a competitive market.

Vance is a financial services provider focused on offering non-dilutive funding to revenue-generating startups. The company has developed a global neo-bank that facilitates access to a comprehensive banking infrastructure, allowing users to manage their finances seamlessly while traveling. Vance enables zero-cost, real-time payments across various countries, empowering consumers to conduct banking transactions across borders through a unified interface. This approach aims to support startups by providing essential financial resources without compromising their ownership stakes.

Miggos is a company that operates a digital wholesale platform designed to assist small and medium-sized retailers. The platform offers just-in-time inventory solutions and access to a wide variety of products from top suppliers, including clothing items such as pants, t-shirts, jackets, and swimwear. By providing inventory financing and facilitating efficient management of supplier relationships, Miggos enables retailers to obtain wholesale merchandise with ease. Their offerings are primarily available through online channels, catering to the needs of modern retail businesses.

SpadeWorks is a business that offers on-demand maintenance services to small and mid-sized companies. It operates a marketplace platform where these businesses can hire skilled and certified specialists for various maintenance tasks, such as plumbing, electrical work, HVAC, and janitorial services. This allows the client companies to concentrate on their core operations while SpadeWorks ensures these essential maintenance tasks are handled professionally and reliably.

Suggestr operates as an AI-driven product recommendation system tailored for e-commerce businesses. It employs artificial intelligence to provide personalized suggestions for upselling, cross-selling, and enhancing product discovery, thereby improving customer experience and boosting sales for its client brands.

Simplifyd is a cloud infrastructure platform designed for modern application deployment, providing essential services such as compute, storage, and managed database solutions. Unlike traditional local cloud providers, Simplifyd offers a streamlined and efficient approach that caters specifically to the unique needs of businesses in Africa. The platform emphasizes high throughput and low latency, with billing options available in local African currencies. Simplifyd aims to simplify the application deployment process, enabling businesses to scale their operations quickly and effectively. Additionally, Simplifyd offers user-friendly small business management software that includes features like three-click invoicing, customer relationship management (CRM), and sales tracking, making it an all-in-one solution for entrepreneurs and small businesses.

Mono is a digital bank designed specifically for startups and small to medium-sized businesses in Latin America, beginning its operations in Colombia. The company aims to empower these businesses by addressing key challenges they face in managing finances. Mono's platform enables users to open a digital checking account quickly, make online payments using a debit card, and integrate seamlessly with various software-as-a-service applications. This approach allows businesses to efficiently manage their expenses and streamline their financial operations, ultimately facilitating growth and enhancing financial control.

Konta is an online accounting service based in Monterrey, Mexico, focused on assisting micro and small businesses. Founded in September 2019 by José Menéndez and Pablo Icaza, Konta aims to simplify business operations for freelancers and small entrepreneurs through a cost-effective and automated platform. The service enables users to generate invoices, maintain accounting records, and supports electronic tax filing, facilitating efficient financial management. By providing these tools, Konta helps small businesses navigate their accounting needs more easily.

HippoBuild automates and optimizes back-office functions and supply chain management for small and medium construction companies. Its software saves customers time and reduces material costs significantly while offering easy onboarding.

Swipe is a billing and payments application designed for small businesses, focusing on simplifying financial management tasks. The software enables users to generate instant GST-compliant invoices, track sales, and manage both inventory and vendor relationships. Additionally, Swipe facilitates the filing of GST returns and provides tools for creating professional invoices, helping businesses maintain compliance with tax regulations. By offering real-time insights into sales and purchases, Swipe aims to streamline the financial operations of its users, enhancing efficiency and organization.

R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

FinFlx is a workplace financial wellness platform focused on supporting small and medium-sized enterprises in implementing and managing financial benefits. The company offers a cloud-based platform that simplifies the management of employee gratuity plans, aligning with employment laws. By providing a range of savings plans tailored to diverse risk tolerances, including a capital protection plan that safeguards the principal amount, FinFlx empowers employees to achieve their financial goals. The platform leverages advanced technology to streamline the administration of gratuity funds, moving away from traditional spreadsheets and paperwork to a more accessible and user-friendly system. This approach not only enhances financial transparency but also helps businesses create a healthier balance sheet by keeping gratuity funds separate from operational cash flow, thereby enabling employers to attract and retain talent through effective employee benefits programs.

Numida Technologies is a digital financial institution based in Kampala, Uganda, founded in 2015. The company specializes in serving micro- and small businesses in East Africa by offering application software that helps these enterprises maintain up-to-date digital financial records. Numida's proprietary credit scoring system enables it to provide unsecured growth and working capital loans to businesses, which not only results in high portfolio yields but also significantly impacts the livelihoods of borrowers. The platform aims to lower risks and costs for lending institutions, leading to improved lending terms for borrowers and fostering a thriving small business sector that creates employment, increases tax revenues, and enhances living standards for entrepreneurs and their staff.

Spade provides a transaction data enrichment platform powered by a large first-party data network. Its API delivers real-time, granular card-transaction details, including merchant identity, category, and geolocation, enabling issuers, anti-fraud providers, and fintechs to improve authorization rates, reduce fraud, and innovate with richer payment insights.

Stablegains is a financial technology company that provides an online platform designed to help individuals and businesses earn high interest on their cash through decentralized finance (DeFi) lending markets. By leveraging the advantages of DeFi, which operates continuously and eliminates the need for traditional financial institutions, Stablegains simplifies access to these digital lending opportunities. The company's platform serves as a user-friendly savings tool, enabling users to efficiently optimize their capital and generate passive income. Stablegains focuses on identifying and offering the safest earning methods within the DeFi space, making these financial opportunities more accessible to a broader audience.

Happl is a technology company that develops a social platform aimed at fostering inclusivity and employee well-being in businesses worldwide. Its platform provides insights for HR leaders to understand their workforce's well-being, while also offering spend cards for streamlined expense management, empowering managers to engage with and support their teams effectively.

Conta Simples is a comprehensive finance platform that combines checking accounts, expense management software, and corporate cards. It aims to provide control, visibility, autonomy, and decentralization of payments for small and medium-sized businesses in Latin America.

Unsaddl is a benefits platform that assists employers in offering educational assistance programs to their staff. It facilitates contributions towards student loans and 529 college savings plans, along with managing tuition reimbursement and leave of absence policies. The company's digital platform enables employees to enroll and link their student loans for personalized repayment plans.

Gimo, founded in 2019, is a Vietnamese fintech company that specializes in Earned Wage Access (EWA) and payroll services tailored for underbanked workers in Vietnam. The company aims to address the financial needs of millions of individuals who lack bank accounts or have limited access to traditional financial services. By providing a secure and convenient pay-on-demand solution, Gimo allows users to request income payments in advance and track their earnings through a mobile app integrated with their employers' human resource and payroll systems. This approach not only enhances cash flow management for businesses but also promotes financial inclusion, helping workers alleviate financial stress and build financial security.

Faire is a two-sided marketplace connecting local retail stores with unique wholesale merchandise from brands and makers. It offers retailers tools for data insights, financial terms, and logistics support to compete with larger competitors. Faire's platform simplifies wholesale buying and selling processes, offering net 60 payment terms and free returns.

Deskimo is a platform that connects mobile professionals with quality workspaces across Singapore and Hong Kong. It offers on-demand desk booking, allowing users to discover, work, and pay by the minute for workspace.

Nomod is a financial technology company established in 2019 and headquartered in London. It specializes in creating a financial operating system tailored for innovative businesses in emerging markets. Nomod's suite of payment tools and financial services simplifies the management of business transactions, allowing entrepreneurs and startups to efficiently handle their finances. The platform enables users to easily sign up and begin accepting card payments both in-person and online, thereby supporting the growth and development of businesses in these regions.

Sendbox is a platform that facilitates e-commerce on social media platforms like Instagram, Facebook, and WhatsApp. It offers infrastructure for shipping, secure escrow payments, and merchant discovery services to businesses and customers across North America, Europe, and Africa.

Salt offers a digital banking platform that delivers borderless global payment and compliance solutions. The company's innovative system streamlines payment processes and documentation, allowing businesses to operate more efficiently. By providing an automated end-to-end platform, Salt enables users to manage their banking needs, including card services, from a single interface. This approach is designed to save time and resources for businesses, enhancing their operational effectiveness in a rapidly evolving financial landscape.

Odwen enables India's small and medium enterprises (SMEs) to efficiently manage warehouse space. Its platform curates warehouses, allowing businesses to book spaces in minutes at competitive prices, and facilitates inventory transportation with just a few clicks.

Hive Health is a digital FinTech platform based in the Philippines that specializes in providing accessible and affordable healthcare coverage plans. The company offers an all-in-one health insurance solution, enabling small to medium-sized businesses to support their employees' well-being. By facilitating access to a wide network of healthcare providers, Hive Health aims to simplify the process of obtaining quality healthcare for its users, promoting healthier lifestyles within the workforce.

HippoBuild automates and optimizes back-office functions and supply chain management for small and medium construction companies. Its software saves customers time and reduces material costs significantly while offering easy onboarding.

Buho Contable is an online platform allowing individuals and micro-businesses to file their monthly taxes. Buho Contable facilitates the accounting of small businessmen by combining software and professional accountants.

SliceQ is an automated phone ordering system for restaurants that enables the team to serve orders and ensures no missed orders. The company was founded in 2021 and is headquartered in Milpitas, California.

Synder is a cloud-based accounting platform tailored for e-commerce and SaaS businesses, specializing in automating financial management and accounting processes. Founded in 2016, the company has experienced rapid growth, processing over one billion dollars in transactions in 2020 alone and assisting more than 20,000 businesses. Synder's software integrates seamlessly with multiple sales channels, including Shopify, Amazon, and PayPal, allowing for efficient bookkeeping, accounts reconciliation, and detailed reporting, such as Profit & Loss statements and balance sheets. The platform is recognized for its high-quality software and customer support, achieving over 1,000 five-star reviews on various review platforms by the end of 2020. Synder continues to expand its offerings by adding new e-commerce integrations and features each month, including Smart Rules and support for multicurrency transactions, positioning itself as a comprehensive solution for businesses with high volumes of online transactions.

Pideaky is a payment and collection platform designed to enhance cash flow for small and medium-sized businesses (SMBs) through embedded finance solutions. Utilizing artificial intelligence, Pideaky's technology accelerates the onboarding and underwriting processes, making them six times faster than traditional methods, while also streamlining payment collections to be three times quicker than manual efforts. In addition to its payment functionalities, Pideaky offers a point-of-sale system that digitizes business operations by organizing and tracking sales and inventory, updating catalogs for order management, and facilitating online payment transactions. This comprehensive approach enables businesses to improve their operational efficiency and increase revenue through digital transformation.

Tinai is a developer of a bookkeeping application tailored for small businesses, specifically designed to streamline revenue and expenditure management for retail operations. The application allows shop owners to securely record transactions, manage customer credits, and monitor debts. Additionally, it facilitates the control of inventory, including warehouse operations, and supports the import and export of goods. By enabling users to create product and service codes, Tinai offers a modern digital solution that enhances the financial operations of small businesses.

Titipku is an online shopping application designed to meet the everyday needs of consumers by facilitating access to local markets. The platform emphasizes a hyperlocal shopping experience, enabling users to purchase from shops and markets in their immediate vicinity. By targeting sub-district areas, Titipku aims to support micro, small, and medium enterprises (MSMEs) in Indonesia, promoting their growth and digital transformation. The company provides an online marketplace that connects these small businesses with customers, thereby enhancing the overall economic landscape. Through its services, Titipku strives to empower local enterprises and ensure that consumers can easily access essential items from nearby sources.

Onfolk is a web-based API that streamlines HR processes for employers. It handles time-off tracking, pension contributions, payroll processing, onboarding, and offers integrations for various HR functions.

Shopscribe (YC S21 + EF LD16) enables the 1.3M local shops in Europe – like bakeries and nail salons – to offer subscriptions for their products and unlock guaranteed recurring revenue. In 2020, an estimated 800 billion dollars was generated by small independent retailers in Europe. Very little of this is being captured in subscription models. That's because local shops don't have the technology to create subscriptions – but they really want to. Subscriptions allow shops to unlock guaranteed monthly revenue, up-sell their customers, better forecast their future sales and boost customer relationships. Subscribers get rewarded for their loyalty with special perks - such as access to workshops, gifts and discounts – together with special deals just for them!

Swipe is a billing and payments application designed for small businesses, focusing on simplifying financial management tasks. The software enables users to generate instant GST-compliant invoices, track sales, and manage both inventory and vendor relationships. Additionally, Swipe facilitates the filing of GST returns and provides tools for creating professional invoices, helping businesses maintain compliance with tax regulations. By offering real-time insights into sales and purchases, Swipe aims to streamline the financial operations of its users, enhancing efficiency and organization.

StowNest Storage offers household storage, luggage office storage, and business storage services. StowNest redefines the relationship between a client's space and belongings, so they can spend less time managing their things and more time living their life. We are solving the on-demand storage needs for SMEs and Startups by being their Warehouse Partners. We also offer Self Service Private Lockers to address the luggage storage needs of traveller under the name of KLOAK

Verde is a digital platform focused on enhancing access to working capital loans for small and medium farmers in Brazil. By providing a more agile and transparent approach to rural credit, Verde simplifies the loan application process through digital means. The platform not only facilitates access to loans but also offers additional financial services, such as insurance and digital banking, aimed at supporting the growth of farmers' businesses. Through its innovative solutions, Verde enables farmers to obtain the necessary financial resources more efficiently, thereby promoting sustainable agricultural development in the region.

SalaryBook is a developer of an innovative HR application aimed at addressing employee management challenges faced by micro, small, and medium enterprises (MSMEs) in India. The platform provides a comprehensive solution for payroll and expense management, allowing businesses to efficiently manage employee wages and track attendance. Its mobile application features functionalities such as selfies and location-based attendance marking, enabling seamless oversight of staff for SMEs. By integrating various employee-related tasks into one user-friendly interface, SalaryBook empowers management to streamline operations and enhance overall efficiency.

Jabu is an e-commerce marketplace that specializes in connecting small retail shop owners with fast-moving consumer goods (FMCG) brands in Southern Africa. The company provides a platform for shop owners to order, source, and stock their products efficiently. Jabu's services extend to logistics and supply chain management, enabling users to control inventory, manage sales, and execute last-mile distribution through both phone and web applications. Additionally, Jabu offers data services to manufacturers and suppliers, facilitating better decision-making and operational efficiency. By streamlining the ordering and inventory management processes, Jabu empowers small businesses to enhance their product diversification and improve financial management.

Skio ($15M+ ARR & profitable, $8.4M seed) is subscription management software for brands on Shopify. Customers include Liquid I.V., Milk Bar, Polaroid, Barstool, Unilever, KraveBeauty, Boba Tea Protein, & Siete.

Founded in Singapore in 2016, HitPay simplifies payments for growing businesses across Asia Pacific. It offers a unified platform for e-commerce, point-of-sale, and B2B transactions, supporting multiple currencies and payment methods securely.

Deskimo is a platform that connects mobile professionals with quality workspaces across Singapore and Hong Kong. It offers on-demand desk booking, allowing users to discover, work, and pay by the minute for workspace.

Bikry is India’s first direct-to-consumer platform empowering small businesses to establish an online presence within seconds. It offers a zero-commission model, enabling merchants to manage operations, promotions, sales, payments, and deliveries through its user-friendly application.

Rivy is making it easier to finance small and medium sized businesses in Africa. There is a need for financing of $158 bn for SMEs in Nigeria alone. To start, Rivy o helps SMEs access and spend lender capital effectively. During their first full operational year in 2020, the Rivy o co--founders leveraged their domain expertise and founding experience to beat their 2020 goal by 50%.