Startups Directory

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.

Bain Capital Ventures is a $10 billion venture capital firm investing across seed through growth stages in B2B software, fintech, commerce, AI infrastructure, and healthcare. Founded in 2001, BCV leverages Bain Capital's portfolio of retail, healthcare, financial services, and industrial companies to provide portfolio companies with operational insights, market access, and real-world testing ground. The firm has backed 37 unicorns including DocuSign, Twilio, Rent the Runway, and SendGrid, with a recent focus on AI applications and infrastructure companies.

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.

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.

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.

Viola Credit is a global alternative credit investment manager that provides customized lending solutions to fintech, proptech, and insurtech companies. The firm offers two primary products: Growth Lending for operational financing with minimal dilution, and Asset-Backed Lending secured by accounts receivable, inventory, and other assets. With $4 billion in assets under management, Viola finances the lending operations of companies like Affirm and Hokodo, enabling them to scale their consumer and B2B credit offerings. Founded in 2000 and led by veteran lender Ruthi Furman, Viola differentiates by specializing in capital for fintech lenders rather than traditional corporate venture lending.

Two Sigma Impact is a private equity fund spun out from Two Sigma Investments that applies quantitative rigor and data science to impact investing, specifically targeting workforce-centric businesses. The fund invests in human capital-driven companies across healthcare, consumer, education, and business services, with a focus on improving employee experience and job quality. It differentiates itself through proprietary tools like the Good Job Score Assessment Tool, which quantitatively measures job quality across leadership, purpose, growth, and fairness dimensions.

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.

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.

⚠️ DEFUNCT COMPANY - FTX was a cryptocurrency derivatives exchange founded in 2019 that collapsed in November 2022. Prior to collapse, it was the second-to-third largest crypto exchange by volume with over 1 million users, offering spot and derivatives trading with native token (FTT) incentives. The company imploded due to misuse of customer funds by sister company Alameda Research, revealing severe internal control failures. This profile is provided for historical reference only.

Xpansiv operates a comprehensive end-to-end platform for environmental commodities, connecting buyers, sellers, and intermediaries across carbon credits, renewable energy certificates, and water markets. The platform powers over 90% of global exchange-traded carbon credits and manages positions in 17+ registries through a unified API and interface. It serves Fortune 500 companies, governments, financial institutions, and project developers—over 100,000 customers—with real-time trading, portfolio management, and standardized data exchange capabilities.

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.

Bloom Financial provides revenue-based funding to e-commerce and direct-to-consumer brands, allowing companies to access capital between £10K and £10M without fixed monthly payments or collateral. The company uses 700+ alternative data points—including marketing performance, sales data, customer sentiment, and bank account information—to underwrite loans in real-time. Unlike traditional lending, Bloom charges a simple flat daily fee and allows early repayment with no penalties, making capital costs predictable and transparent for fast-growing digital brands.

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.

Bolt is a cloud-based checkout and payment processing platform that uses AI and machine learning to streamline eCommerce transactions across web and mobile. The platform recognizes returning customers through its Universal Shopper Network (80M+ customers) to enable password-free checkout, while offering 100% fraud coverage through analysis of 200+ transaction variables. It charges 0% fees for first-time customers and 2% for repeat purchases, helping retailers increase checkout conversion rates by 10-20% while reducing fraud risk.

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.

Crosslink Capital is an early-stage venture capital firm founded in 1989 that invests $1-9M in Seed and Series A technology companies across enterprise software, financial services, and IT infrastructure. Beyond capital deployment, the firm provides portfolio companies with access to its proprietary Alpha Network—an invite-only community of 2,000+ founders, CEOs, and operators—plus dedicated support teams in San Francisco and Menlo Park offering talent networks, business development, and strategic guidance. Crosslink manages over $4.2B in assets across venture and public equity strategies, with a track record including exits like Postmates (acquired by Uber), Chime, and Coupa.

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.

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.

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.

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).

ClearBank is the UK's first new clearing bank in over 250 years, providing cloud-native banking and payment infrastructure to financial institutions and fintechs. Built on modern, scalable architecture rather than legacy systems, it offers real-time clearing, current accounts, FX trading, and embedded banking services. Unlike traditional clearing banks, ClearBank remains neutral—it doesn't lend customer funds or compete with its clients for end customers, making it a truly independent banking infrastructure provider.

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.

FINTOP Capital is a venture capital firm investing $3-5M in seed and Series A B2B SaaS and software companies in the FinTech space. The firm differentiates through its team of serial operators who have founded and scaled 10+ fintechs and sit on 80+ boards, combined with an extensive network of approximately 100 banks and financial services firms. FINTOP targets experienced founders building enterprise software with proven product-market fit and real revenues. Across five investment vehicles, the firm manages over $700 million in committed capital.

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.

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.

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.

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.

Dojo is a fintech company providing card payment solutions, hardware, and business services for small and medium-sized businesses across the UK and Ireland. The company offers the Dojo Go card machine (processing 58% faster than industry average), payment links, online payment options, and integrated tools like booking platforms and business funding. Dojo differentiates itself through transparent pricing, flexible contracts, next-day payouts (including weekends), and 450+ EPOS integrations, targeting merchants frustrated by traditional payment providers' complexity and hidden fees.

DailyPay is an earned wage access (EWA) platform that enables employers and payroll providers to offer employees access to wages they've already earned before their scheduled payday. The service integrates directly with employer payroll systems to track daily earnings and allows employees to transfer funds to any bank account or DailyPay's fee-free prepaid card. With 6M+ employees across nearly 1,000 employers including Fortune 500 companies like Target, Kroger, and McDonald's, DailyPay differentiates through tight payroll integration and a free employee experience, positioning itself as the category leader.

Gusto is a cloud-based payroll, benefits, and HR software platform designed for small and medium-sized businesses. It automates payroll processing, tax filing, benefits administration, and employee onboarding while simplifying workflows that were traditionally manual and error-prone. The platform saves businesses approximately $1,800 annually in payroll and HR administration costs and is known for its user-friendly interface compared to legacy systems like ADP.

DigniFi is an embedded finance platform that enables auto repair shops, dealerships, and service centers to offer point-of-sale financing to customers for repairs, parts, accessories, and maintenance. The company has built a fintech marketplace connecting consumers across multiple credit tiers with lenders, processing applications in under 5 minutes with decisions typically within 2 minutes. With 6,800+ merchant partners and $445M in transaction volume facilitated, DigniFi differentiates through fast approvals, support for underserved credit profiles, and seamless integration into automotive service workflows.

9fin is an AI-native intelligence platform that transforms complex financial data into structured, decision-ready insights for debt market professionals. It combines proprietary data from the world's largest team of private credit journalists with AI-powered workflows and human oversight to help credit teams identify deals, analyze risk, and monitor global debt markets in minutes instead of weeks. The platform serves over 300 leading banks, asset managers, law firms, and advisory firms globally, positioning itself as a modern alternative to legacy systems like Bloomberg and FactSet with a focus on debt markets and AI automation.