Startups Directory

Ampla is an all-in-one financing platform for omnichannel consumer brands, combining a flexible line of credit, modern banking services (checking account, debit card, corporate Visa card), and data analytics. The platform uniquely underwriters businesses by considering omnichannel revenue streams—including stores, wholesale, and e-commerce—rather than just online sales. Ampla originated over $2B in loans and processed $5T in transaction volume before its acquisition by FundThrough in April 2025.

Iwoca is a UK-based fintech lender that uses machine learning and real-time business data to provide fast, flexible loans to SMEs rejected by traditional banks. Since 2012, it has lent £4 billion to 100,000+ businesses with decisions in 24 hours and interest rates starting at 1.5% per 30 days. Unlike conventional loans, borrowers only pay interest on outstanding balances with flexible repayment terms from 1 day to 24 months and no early repayment penalties.

Kueski is Mexico's largest online consumer lender, using machine learning and alternative data (device info, behavioral signals, sociodemographic data) to approve loans in minutes for users without traditional credit history. The platform has disbursed over 30 million loans and operates both a direct lending product (Kueski Cash: $200-$25,000 MXN loans) and a buy-now-pay-later service (Kueski Pay) integrated with major retailers like Walmart and Amazon Mexico. Unlike traditional banks relying on credit bureaus, Kueski evaluates hundreds of unconventional variables to serve the financially underserved, achieving 90% user recurrence and low single-digit delinquency.

Camino Financial is an AI-powered community lending platform providing affordable business loans to credit-invisible, cash-heavy small businesses that don't qualify for traditional bank financing. Using proprietary CaminoScore technology and community partnerships, they offer loans with monthly payments 40% lower than alternative products. The platform serves primarily minority-owned and first-time borrowers, having funded over $350 million across 12,000+ businesses as of December 2023.