Startups Directory

Stripe is a developer-first payments platform that simplifies accepting payments online and in-person through a simple seven-line API integration. Beyond payments, it provides a comprehensive suite of tools for treasury management, billing, fraud prevention, and compliance, enabling businesses to manage the full complexity of operating online. Founded by Patrick and John Collison, Stripe serves everyone from startups to enterprise companies across 195+ countries with a platform designed for both simplicity and scale.

Turn River Capital is a San Francisco-based private equity firm specializing in growth capital investments for B2B software companies. Founded in 2012, the firm combines flexible capital with an embedded growth operations team of SEO, SEM, and go-to-market experts to systematically scale portfolio companies. Turn River provides hands-on operational support including Sales, Marketing, and Customer Success Directors as a Service, differentiating itself through its operator-led, data-driven growth engineering approach. The firm manages $2.6B+ in assets across a concentrated portfolio of 19 platform companies, with recent marquee exits including the acquisition of Redwood Software and the take-private of SolarWinds for $4.4B.

FNZ is an end-to-end wealth management platform that consolidates fragmented systems for financial institutions, integrating technology, business operations, and custody services. The platform enables banks, asset managers, and wealth advisors to deliver multi-channel services—including financial planning, trade execution, private banking, and workplace retirement—while reducing operational friction and costs. FNZ serves institutional clients globally, with a customer base including Aviva, Barclays, Lloyds, Santander, and Vanguard.

Checkout.com is an enterprise-grade API-based payment platform that provides end-to-end payment processing, risk management, card issuing, and payment routing for global merchants. The platform supports multiple payment methods including cards, digital wallets (Apple Pay, Google Pay), and local payment networks (Alipay, SEPA, bank transfers). It serves exclusively enterprise customers, with 63 merchants processing over $1B annually on the platform, and differentiates through a lean sales operation (13% of headcount) while dedicating two-thirds of staff to product and engineering.

iCapital operates a B2B SaaS platform that democratizes access to alternative investments by reducing institutional minimums from $5-10M to $25-100K through feeder fund structures. The platform serves wealth advisors, asset managers, and financial institutions with a marketplace of 2,100+ funds, automated KYC/AML workflows, and portfolio analytics. iCapital generates revenue through subscription fees, investor charges, and revenue-sharing with asset managers, creating a network effect that strengthens as more managers and advisors join.

Klarna is a buy-now-pay-later (BNPL) platform that enables customers to split purchases into interest-free installments or pay within 30 days, while merchants get paid upfront. The platform serves e-commerce retailers globally and offers additional features like price comparison, cashback rewards, and price tracking. Klarna differentiates itself by not charging late fees on its popular 4-installment payment method and has integrated with 24 of the top 100 US retailers, more than any competitor.

Canapi Ventures is a venture capital firm investing in early to growth-stage B2B fintech startups, backed by a network of 70+ banks and strategic investors (the Canapi Alliance) with $1.4B+ in assets under management. The firm combines venture capital expertise with deep regulatory knowledge and banking relationships, enabling portfolio companies to partner directly with major financial institutions. Since 2018, Canapi has invested in 20+ companies across fraud/identity, lending, payments, and financial infrastructure, generating 7 unicorns, 2 IPOs, and multiple acquisitions. Their unique positioning leverages the banking expertise of founders like Gene Ludwig (former U.S. Comptroller of the Currency) and the Promontory Financial Group legacy.

Bain Capital Crypto is a $560M venture investment fund dedicated exclusively to crypto infrastructure and protocols. Co-led by Stefan Cohen and Alex Evans, the firm provides technical and economic research alongside capital deployment across Layer 1 scaling, privacy, middleware, and storage solutions. The fund combines deep crypto expertise with institutional backing from Bain Capital LP, positioning itself as more specialized than generalist venture firms in supporting next-generation internet infrastructure projects.

Ramp is a unified finance operations platform that consolidates corporate cards, expense management, bill payments, procurement workflows, travel management, and accounting automation into a single system. Unlike traditional corporate card providers that incentivize spending through rewards, Ramp focuses on helping companies reduce expenses by an average of 5% annually while automating administrative work. The platform has helped customers spend $10 billion less than they would have otherwise and automated 27.5 million hours of work across 50,000+ companies including Shopify, Notion, Figma, and CBRE.

YipitData analyzes billions of data points daily from public web sources to provide institutional investors and corporations with granular insights into digitally-enabled sectors like e-commerce, ridesharing, payments, and streaming. The platform delivers research on 70+ public companies with accuracy within 2% of reported metrics, covering TMT and consumer sectors with differentiated datasets and analyst overlays. YipitData recently expanded into medtech with item-level revenue estimates for 40+ companies, positioning itself as the market leader in high-conviction alternative data for investment decision-making.

Micro Connect is a fintech platform that creates Daily Revenue Contracts (DRCs) as a new asset class, enabling investors to provide capital to micro and small businesses in exchange for daily revenue sharing. The platform uses its proprietary Automated Repayment Mechanism (ARM) to securely capture revenue data and split cash flows in real-time, and the blockchain-enabled Authenticated Rights Market (Rights ARM) to facilitate transparent trading of DRC portfolios. As of December 2024, Micro Connect has funded over 13,000 businesses across 200 mainland Chinese cities, positioning itself as a blue ocean alternative to traditional Wall Street financing.

DivideBuy is an FCA-regulated point-of-sale finance provider that offers both interest-free and interest-bearing credit solutions to e-commerce retailers. Unlike traditional BNPL competitors focused on short-term payments, DivideBuy specializes in longer-term financing (3-60 months) for high-value items like furniture, electronics, and home improvement products, with credit amounts from £50 to £12,500. The platform combines proprietary credit technology with lending facilities, achieving over 90% acceptance rates through flexible options like deposit increases or guarantors. DivideBuy was acquired by Zopa in February 2023 and now operates under Zopa Bank Limited.

Vestwell is a cloud-native financial technology platform that unifies retirement and savings plan administration, compliance, and distribution through white-labeled integrations with payroll providers, financial institutions, and advisors. The platform serves employers, financial advisors, and individuals managing long-term savings across multiple plan types including 401(k)s, auto-IRAs, and state-administered programs. Vestwell's structural moat stems from deep distribution partnerships with Morgan Stanley, JPMorgan Chase, Manulife John Hancock, and Amazon, combined with integrations across major payroll platforms like Gusto, QuickBooks, and Rippling.

Kriya (formerly MarketFinance) is a British fintech company providing credit and payment products for small businesses, including invoice finance, business loans, and embedded PayLater solutions. The company enables SMEs to access working capital through instant credit decisions and seamless integrations. As of October 2025, Kriya was acquired by Allica Bank and now operates as part of the bank's credit offering to established SMEs. The platform has facilitated close to £3 billion in funding for UK businesses since its 2011 launch.

PayJoy provides buy-now-pay-later smartphone financing for underbanked populations in emerging markets, with loans typically spanning 3-12 months at no interest and no hidden fees. The company uses the smartphone itself as collateral and employs machine learning to assess creditworthiness, achieving 20% lower default rates than traditional lenders. PayJoy has served over 15 million customers across Africa, Asia, and Latin America, and recently expanded into credit products like the PayJoy Card to help customers build traditional credit scores.

Anchorage Digital is a global institutional crypto platform providing custody, trading, staking, governance, and settlement infrastructure for digital assets. As the first federally chartered crypto bank in the US (OCC-chartered in January 2021), it serves financial institutions, governments, and enterprises with institutional-grade security built by former security leaders from Square and Docker. The company differentiates through regulatory compliance, patent-holding security infrastructure, and Atlas—its proprietary settlement network that minimizes friction in crypto transactions.

Balance is a B2B eCommerce payments platform that enables businesses to process payments via check, card, or bank transfer with flexible terms (net 30/60/90, payment plans). Founded by PayPal alums, it addresses the $2 trillion offline B2B payments market by offering an omni-channel checkout with real-time risk assessment and instant settlement. The platform combines B2B payments, trade credit, AR management, and marketplace capabilities in a modular stack tailored for digital commerce at scale.

Wise is a fintech platform that enables individuals and businesses to send money internationally at real mid-market exchange rates with transparent, low fees (starting at 0.35%). Using a peer-to-peer matching system and local bank accounts across countries, Wise eliminates the need for physical currency conversion and traditional banking intermediaries. The platform solves the international payments problem that traditional banks created through hidden fees and unfavorable exchange rates, making cross-border money transfers faster, cheaper, and more transparent.

Airwallex is a unified financial platform that consolidates global payments, spend management, digital banking, and FX into a single API-driven infrastructure for B2B companies. The platform processes $265B+ annually across 150,000+ customers and has saved them over $1.3B in fees. It enables businesses to generate local account numbers in 60+ countries, accept 160+ payment methods, and manage multi-currency operations with 95% of transactions settling within hours or same-day. Airwallex positions itself as the 'AWS of financial services'—replacing fragmented legacy banking with modern, developer-first financial infrastructure.

GoCardless is a global bank-payment platform enabling businesses to collect payments directly from customers' bank accounts through direct debit schemes (ACH, Bacs, SEPA, BECS, PAD, Autogiro) across 30+ countries. The platform handles recurring payments, single transactions, and invoicing with real-time tracking, reporting, and AI-powered retry optimization. It serves 100,000+ businesses processing $130 billion annually, with significantly lower fees than card-based processors and a focus on subscription and B2B payment collection.

Brex is a fintech platform that provides corporate credit cards, cash management accounts, and spend management solutions for businesses. It serves startups and mid-market companies with SaaS-driven tools for expense tracking, financial controls, and accounting integration. Brex differentiated itself by issuing high-limit credit cards to early-stage startups based on funding history rather than personal credit, and has since expanded to serve larger enterprises with comprehensive financial operations infrastructure.

Mercury is a modern online banking platform purpose-built for startups and technology-focused businesses. It eliminates friction in business banking by offering zero-fee checking and savings accounts, corporate cards, invoicing, bill pay, and spend management—all with a modern interface designed for founders. Unlike legacy banks that flag startup activity as suspicious, Mercury understands the funding and cash flow patterns of early-stage companies. The platform aggregates financial data across all accounts to provide real-time insights into company financial health.

Alpheya is a cloud-native, AI-powered wealth management infrastructure platform serving financial institutions across the MENA region. It provides end-to-end capabilities including client onboarding, portfolio construction, execution, reporting, and advisory workflows through personalized web/mobile applications and CRM tools. The platform addresses the $1 trillion+ in Gulf personal financial assets that remain deployed overseas or at risk of flight due to outdated regional banking systems. With nearly $50 billion in assets running on its platform, Alpheya is anchoring wealth back into regional financial systems through modern technology.

Xendit is a fintech platform that enables businesses across Southeast Asia to accept payments through 100+ methods (cards, e-wallets, bank transfers, QR codes) and disburse payouts to 450+ banks and e-wallets. Built specifically for the region's payment diversity—where credit card penetration is only 4%—Xendit serves SMBs, e-commerce platforms, and enterprises like Grab, Lazada, and Samsung Indonesia. The company differentiates through local in-market teams, transparent transaction-based pricing, and graduated tier discounts as volume increases.

Remote is a global Employer of Record (EOR) platform that enables companies to hire, manage, and pay employees across 70+ countries without establishing legal entities. The platform handles employment contracts, payroll, taxes, benefits, and compliance through in-house operations rather than third-party networks. Remote serves mid-market to enterprise companies looking to build distributed teams while avoiding costly subsidiary setup and contractor misclassification risks.

Ascend is an all-in-one finance automation platform purpose-built for insurance retailers, brokers, MGAs, and carriers. It automates the entire payment lifecycle—from customer premium payments and financing to commission distribution and carrier payables—while providing financial insights and treasury management. The platform eliminates the collections gap that traditionally exists between policy binding and payment, reducing operational friction for insurers and customers alike. Ascend has processed over $1B in annual premiums and serves 3,000+ insurance businesses across all 50 U.S. states.

Clear Street is a cloud-native capital markets platform that replaces legacy 1970s-80s mainframe infrastructure with modern real-time ledger technology. It unifies trading, risk management, financing, clearing, and custody for institutional clients on a single platform. The company serves sophisticated institutional investors—hedge funds, market makers, and ETF issuers—who are too complex for retail platforms but underserved by major bulge-bracket prime brokers. Clear Street generates revenue primarily through net financing (margin, securities lending, and collateralized financing) rather than commissions.

Mambu is a cloud-native SaaS core banking platform that powers digital-first lending and deposit services for financial institutions. It replaces expensive, slow legacy banking software with a composable architecture where implementation takes months instead of years, integration takes minutes, and updates deploy continuously. Serving over 260 customers across 65 countries including N26, Commonwealth Bank of Australia, and Western Union, Mambu enables banks and fintechs to rapidly launch innovative customer journeys via APIs connected to payment providers and complementary SaaS services.

OppZo provides AI-driven working capital loans for SMB government contractors, addressing the 120-day payment gap between contract execution and government reimbursement. The platform finances up to 20% of unbilled contract value ($100K-$1M+) at rates as low as 8% with no personal guarantees. OppZo digitizes traditionally manual lending processes through proprietary technology, serving an underserved market segment across 42 U.S. states.

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.

BILT is a payments and commerce network that enables renters to earn rewards on rent and HOA payments—the first platform to make housing expenditures rewardable. The company powers rental payments in 25% of U.S. apartment buildings, serving 5.5 million members across a network of 1-in-4 apartment buildings nationwide. Members earn points on every on-time payment redeemable for travel, rent credits, fitness classes, student loan payments, or down payment assistance. BILT generates revenue through interchange fees, merchant partnerships (40,000+ nationwide), and referral fees.

HoneyBook is an AI-powered business management platform built for independent service professionals and creative entrepreneurs like photographers, designers, event planners, and consultants. It automates back-office workflows—from lead capture and proposals to invoicing, contracts, scheduling, and payments—enabling freelancers to focus on their craft. The platform integrates client communication, project management, and financial tools in one place, with recent expansions into lending and financial services. What sets HoneyBook apart is its laser focus on the needs of solo entrepreneurs and small service teams rather than general-purpose business software.

Ripple operates the XRP Ledger, a decentralized blockchain enabling cross-border payments that settle in 3-5 seconds with near-zero fees. The platform serves financial institutions, payment providers, and digital asset custodians seeking faster, cheaper alternatives to traditional settlement networks. Ripple's differentiator is its energy-efficient consensus protocol, institutional-grade custody solutions, and direct integration with legacy banking infrastructure through products like xCurrent and on-demand liquidity (ODL).

Rain is a full-stack fintech infrastructure platform that enables developers, fintechs, and financial services firms to embed stablecoin payments into their products through a unified API. The platform handles money-in, storage, spending, and money-out across multiple blockchains while managing complex back-end operations like tokenization, compliance, and settlement. Rain's proprietary settlement stack allows Visa card transactions to interoperate with stablecoins, making them practical for everyday purchases. The company pioneered the ability to settle Visa transactions using stablecoins seven days a week, reducing working capital requirements and enabling near-instant liquidity.

Sunbit is a B2B2C point-of-sale financing platform that embeds fast, transparent installment payment options into merchant checkout workflows, primarily in auto repair and healthcare. Using proprietary AI/ML, the platform approves 90% of applicants in under 30 seconds with just a driver's license, phone, and email. Merchants receive guaranteed upfront payment while Sunbit assumes credit risk, enabling 20-30% higher average order values and improved customer retention.

Flutterwave is a pan-African payment infrastructure platform that enables merchants and payment service providers to accept payments across multiple African countries through a single integration. The platform processes 500,000+ payments daily across 15+ payment methods including cards, mobile money, bank transfers, and digital wallets. It serves over 900,000 businesses globally and solves the critical problem of payment system interoperability across Africa, where local solutions rarely work across borders. Beyond core payments, Flutterwave offers remittances (Send App), card issuing, and business incorporation services (Grow).

Addepar is a cloud-based wealth management platform that aggregates portfolio data from over 350 custodians across 45 countries, enabling RIAs and wealth managers to track complex holdings including alternative investments like private equity, venture capital, and real estate. The platform ingests daily data from 7+ million accounts and serves over 800 firms managing $4 trillion in assets. Key differentiation comes from its specialized handling of difficult-to-model alternative assets and recent expansions into trading/rebalancing (Addepar Trading, Sept 2024) and private fund data management (Feb 2025).

Best Egg (formerly Marlette Holdings) is a financial services technology company that streamlines personal lending through its online platform, enabling consumers to consolidate debt, finance home improvements, and cover medical expenses. The company partners with FDIC-insured banks to originate loans, offering fast approval and funding in as little as one day. Beyond personal loans, Best Egg has expanded into credit cards and financial wellness tools, serving nearly 3 million customers with over $30 billion in originated loans. Note: As of October 2025, Best Egg was acquired by Barclays Bank and is no longer an independent startup.

SavvyMoney is a B2B fintech platform that enables banks, credit unions, and FinTechs to embed credit score access, credit monitoring, and personalized financial offers directly into their digital banking platforms. Rather than competing direct-to-consumer, the company powers 1,600+ financial institutions to retain customers on their own sites while driving measurable outcomes—customers using SavvyMoney improve credit scores by an average of 66 points, and institutions see 2.3x higher profitability from these users. The platform integrates with 35+ digital banking systems and is differentiated by its focus on underserved community banks, not just enterprise players.

Incode Technologies is an AI-powered identity verification platform that uses facial recognition, liveness detection, and document analysis to prevent fraud in real-time. The company serves financial institutions, fintech platforms, hospitality, and government agencies with a fully automated omnichannel solution that processes 4.1B+ identity checks annually. Incode's proprietary AI achieves 99% facial recognition accuracy, detects deepfakes instantly, and is 8.8x more accurate at identifying AI-generated documents than traditional methods. The platform is distinguished by its iBeta PAD Level 2 certification and zero-human-in-the-loop automation, making it faster and more fraud-resistant than competitors.

Juni is a fintech platform built specifically for e-commerce and online marketing entrepreneurs, combining business banking, credit products, and financial analytics optimized for the unique cash flow patterns of digital businesses. The platform automates accounting workflows through 2,400+ integrations while offering credit cards, capital advances, and cash-back tailored to e-commerce operations. Juni differentiates by deeply understanding the irregular payment cycles and high transaction volumes typical of online sellers, positioning itself as a vertical-specific alternative to horizontal fintech platforms.

Tipalti is a global accounts payable automation platform that enables mid-market and enterprise companies to pay contractors, employees, suppliers, and vendors across 190+ countries in 120+ currencies. The platform automates the entire payment workflow—from supplier onboarding and invoice processing via OCR to multi-step approvals, payment execution, and reconciliation—eliminating up to 80% of manual AP work. Unlike payment processors focused on collections (PayPal, Stripe), Tipalti specializes in mass disbursements, handling compliance, tax forms, and local regulatory requirements at scale.

OurCrowd is a global venture investing platform that enables accredited investors to co-invest in early-stage private technology companies and venture funds alongside professional investors. The platform curates 2-3 investment opportunities monthly from 150-200 reviewed startups, conducting rigorous due diligence before offering deals to its membership. Unlike traditional VC platforms, OurCrowd invests its own capital in every deal, aligning incentives between the platform and its investors. With $2 billion in managed commitments and a track record of 8 unicorns, 8 IPOs, and 45 acquisitions including Beyond Meat, Lemonade, and Klook, OurCrowd has established itself as Israel's most active VC fund.

Paddle is a Merchant of Record (MoR) platform that handles payments, billing, taxes, and compliance for SaaS and software companies globally. Rather than requiring businesses to build their own payment infrastructure, Paddle acts as the merchant of record, processing transactions across 200 markets while managing currency conversion, tax remittance, fraud prevention, and regulatory compliance. The platform processes 122M+ transactions annually and has remitted $89M in sales taxes, serving 3,000+ customers including Verizon, ServiceNow, and Fortinet.

Tradeshift is a cloud-based business network platform that automates purchase-to-pay workflows, e-invoicing, and supply chain financing across 70 countries. It uniquely empowers suppliers as active participants through a unified portal for invoice submission, payment tracking, and early payment financing, while managing compliance globally. The platform connects millions of suppliers to enterprise buyers, eliminating manual processes and enabling real-time visibility across buyer-supplier relationships.

Genesis Global is a cloud-based low-code application development platform purpose-built for financial markets firms. It enables developers to build mission-critical, real-time applications 5x faster than traditional development with less code and lower cost, featuring event-driven architecture optimized for low-latency, high-throughput scenarios. The platform differentiates from generic low-code solutions by being specifically designed for the complexities of financial markets, replacing the traditional buy-vs-build challenge with a buy-to-build approach.

Next Play Capital is a venture capital fund of funds and SPV platform that invests in access-constrained venture funds and venture-backed companies across consumer, fintech, and IT/SaaS. Founded by former NFL athletes and seasoned tech investors, the firm leverages a unique community of professional athletes, executives, and entrepreneurs to provide LP access to typically restricted investment opportunities. As of May 2023, the firm merged with Legacy Venture to become Next Legacy Partners, though it continues operating under the Next Play Capital brand. The firm manages approximately $450M in assets under management across three flagship funds and 24+ SPVs.

Pleo is a European spend management platform that issues smart corporate payment cards (physical and virtual) integrated with real-time expense tracking and accounting software. It automates the entire employee spending workflow—from card transactions to receipt capture to invoice management—while giving finance teams budget controls and fraud detection. Pleo serves 40,000+ small and medium-sized businesses across 14 European markets, positioning itself as the dominant player in a spend management category worth $80B+ globally.

Moniepoint is an all-in-one financial platform providing payment processing, digital banking, credit facilities, and business management tools for small and medium-sized businesses across Nigeria and expanding internationally. The company operates a network of payment terminals integrated with mobile banking apps, allowing merchants to accept payments, manage inventory, and access working capital loans underwritten by transaction data. With 1 billion+ monthly transactions and $22 billion in annual payment volume, Moniepoint has become Nigeria's largest agent banking player, serving 10 million businesses and individuals.