Startups Directory

OfBusiness is a tech-enabled platform that combines raw material procurement and credit/financing for Indian SMEs. The platform serves 700,000+ registered SMEs across 100+ product categories including metals, chemicals, polymers, and building materials. It uniquely integrates commerce with lending through its NBFC 'Oxyzo Financial Services', offering unsecured credit limits up to ₹2 crore without collateral. The company has achieved profitability since inception and generated ₹22,500Cr in annual revenue as of March 2025.

Thought Machine builds Vault Core, a cloud-native core banking platform that enables banks to run any financial product they design using smart contracts and a real-time ledger architecture. Unlike legacy monolithic systems, Vault Core is cloud-agnostic, microservices-based, and allows banks to migrate existing products while innovating new ones without disruption. The company also offers Vault Payments for global payment processing. Backed by tier-1 banks including JPMorgan Chase, ING, and Lloyds Banking Group as both customers and investors, Thought Machine has become the infrastructure layer modernizing legacy banking systems.

Lumin Digital is a cloud-native digital banking platform that enables credit unions and community banks to compete with large financial institutions through modern retail and commercial banking solutions. The platform provides digital account opening, user engagement tools, AI-assisted features, and administrative capabilities with zero-downtime updates. Built entirely in the cloud, Lumin powers nearly 8 million consumer accounts across 90 financial institutions, with clients experiencing 2x asset growth and 8x market share growth compared to industry averages.

Parker is a corporate credit card platform purpose-built for e-commerce brands, offering credit limits up to $10 million with cash flow-optimized underwriting based on business performance. Unlike traditional business credit cards, Parker provides flexible statement cycles (daily, weekly, or monthly) and credit limits 10-20x higher than competitors like Brex and American Express. The platform bundles cards, banking, bill pay, and financial intelligence at no additional cost, generating revenue through interchange and transaction fees.

Altruist is a modern custodian and integrated software platform for independent RIAs that combines self-clearing brokerage services with front, middle, and back-office tools—account opening, trading, portfolio accounting, performance reporting, fee billing, and client portals—all in one streamlined solution. The platform eliminates data reconciliation headaches and reduces operational labor costs by 40-60% through vertical integration. With zero platform fees for custody accounts and optional AI-powered premium subscriptions, Altruist is modernizing wealth management infrastructure for the independent advisor market.

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.

Alpaca is a developer-first brokerage infrastructure platform that provides APIs for programmatic access to stocks, options, and cryptocurrencies. It enables fintechs, institutions, and individual traders to build customized investing applications without building brokerage infrastructure from scratch. The platform powers over 9 million brokerage accounts across 40+ countries and differentiates through its full-stack broker-as-a-service model, combining trading APIs with complete regulatory and custody infrastructure.

Melio is an all-in-one bill pay and invoicing platform that digitizes business-to-business payments for small and mid-market businesses. It enables companies to pay vendors via ACH transfers, credit cards, or debit cards—even when vendors only accept checks—while automating accounts payable and receivable workflows. With features like batch payments, approval workflows, virtual cards, and international payments across 80 countries, Melio transforms traditionally manual payment processes into streamlined, automated operations that improve cash flow management and save teams 15+ hours monthly.

Xendit is a digital payment infrastructure platform enabling businesses across Southeast Asia to accept payments through 100+ payment methods including credit cards, e-wallets, bank transfers, and QR codes. The company solves the critical problem of low credit card penetration in emerging markets by offering virtual accounts and local payment integrations in a single API. Xendit processes payments, manages marketplaces, disburses payroll, and detects fraud for over 10,000 businesses. The platform generates revenue through transaction fees and has achieved unicorn status with $538M in total funding.

Ascend Money is a Southeast Asian fintech platform that provides digital financial services to the underbanked population across 7 ASEAN countries. The company operates TrueMoney, a 50-million-user e-wallet, alongside Ascend Nano (nano lending), digital savings, investment, and remittance services. Unlike traditional lenders, Ascend uses transaction data and behavioral patterns from its wallet to assess creditworthiness, enabling it to extend loans as small as $20 to customers rejected by banks. As Thailand's first fintech unicorn, Ascend serves 30 million active users and has become the region's largest digital financial services provider.

Selina Finance provides fast, flexible secured lending products to UK homeowners, including HELOCs and homeowner loans backed by property equity. The company differentiates through speed (funds in 24 hours), transparent pricing (starting at 4.95% APR), and flexibility (interest only on amounts drawn). Founded in 2019 and backed by $361M in total funding, Selina has processed over $100M in HELOC lending and won industry awards for service excellence.

Airbase is an all-in-one spend management platform that consolidates accounts payable automation, corporate cards, expense management, and accounting integrations into a single system. It serves mid-market companies (100-5,000 employees) looking to automate their entire spend workflow—from purchase requests and approvals to payments and reconciliation. Airbase differentiates itself by solving requests, payments, and accounting together rather than as separate point solutions, enabling companies to eliminate over 50% of spend-related manual work.

Thunes is a global payments infrastructure platform that enables real-time cross-border payments across 130 countries and 80 currencies through direct integrations with 350+ financial institutions and mobile wallets. The platform serves fintech companies, payment providers, and enterprises like PayPal, Revolut, and Uber by eliminating reliance on aggregator chains and delivering 90% instant transaction settlement with transparent FX rates. What differentiates Thunes is its direct connections to local payment endpoints (like M-Pesa and GCash) combined with its SmartX Treasury System, which automates FX execution and eliminates idle capital requirements across payment corridors.

Founderpath provides non-dilutive revenue financing to SaaS founders, converting monthly recurring revenue into upfront cash advances of up to 50% of ARR. The platform integrates directly with subscription billing systems like Stripe and QuickBooks to analyze real-time revenue data and make rapid underwriting decisions without traditional credit metrics. Founders can access capital with discount rates as low as 7% on revenue financing, 15% on term loans, or 5% repayment rates on merchant cash advances, with flexible 12-48 month repayment terms and no prepayment penalties or warrants.

Outfund provides revenue-based financing to businesses, offering non-dilutive capital repaid as a percentage of monthly revenue without interest. Using open banking data to capture both online and offline revenue streams, Outfund can offer 30-40% more capital than competitors. The platform serves e-commerce, tech, and consumer goods businesses across the UK, US, Spain, and Australia with flexible repayment terms and transparent, fixed fees starting at 2%.

Flagstone is a UK-based fintech platform that aggregates 200+ savings accounts from 65+ banks into a single dashboard, allowing individual savers, SMEs, and charities to diversify deposits and maximize interest returns without paying management fees. The platform addresses post-financial-crisis gaps: declining rates, heightened bank risk sensitivity, and the administrative burden of managing multiple accounts. Flagstone takes a share of interest (up to 0.30%) rather than charging fees, and has facilitated £5 billion in deposits across 725,000 customers managing £17 billion in assets.

Revving provides Transactional-Based Funding (TBF), a next-generation liquidity platform that captures real-time sales data from digital businesses to provide instant access to revenue before invoices are created. The platform integrates with hundreds of adtech and fintech marketplaces (Google DV360, The Trade Desk, Microsoft Advertising) to give businesses a unified view of revenue, commissions, and payment performance. Built specifically for the digital economy, Revving solves the cash flow crisis created by extended payment terms (often 4+ months) endemic to programmatic advertising, affiliate marketing, and mobile gaming.

Juniper Square is a cloud-based platform that centralizes private market investment data and operations for GPs and LPs. It combines software-as-a-service (investor portals, fund accounting, reporting, compliance) with embedded fund administration services where Juniper Square staff work directly within client instances. The platform manages over $1 trillion in LP capital across 40,000 funds, automating capital calls, distributions, and investor relations workflows.

Backbase provides an AI-native banking platform that enables financial institutions to modernize their digital channels without replacing legacy core systems. The platform layers digital banking interfaces, data orchestration with agentic AI capabilities, and pre-built integrations on top of existing infrastructure. Backbase serves 150+ banks globally including Barclays, BNP Paribas, and Citibank, differentiating itself through singular focus on customer engagement and the ability to leverage banks' own data combined with external sources.

SaaS Capital is the pioneer provider of growth debt financing designed specifically for B2B SaaS companies. Unlike equity financing, their MRR-based lines of credit provide $2M–$15M in non-dilutive capital to companies with $3M+ ARR, with minimal covenants and 5-week funding timelines. They've deployed over $375M across 110+ portfolio companies, creating $2B+ in enterprise value while allowing founders to retain full control.

Built Technologies provides cloud-based construction lending software that automates manual workflows and centralizes loan administration for banks and financial institutions. The platform enables same-day draw request processing, reduces back-office staff by 80%, and delivers measurable ROI—one early client saw $2.5M in value creation from a $50K annual subscription. Built serves over 150 leading U.S. construction lenders, including U.S. Bank, Fifth Third Bank, and Citizens Bank, making it the market leader used by nearly half of the top 100 construction lenders.

Atom Bank is the UK's first fully digital, mobile-only bank that launched in 2016 without physical branches. It offers residential mortgages, savings accounts, and business loans entirely through its app, using face and voice recognition for authentication. Built on modern cloud infrastructure (Google Cloud, Thought Machine's Vault Core), Atom leverages automation and digital-first processes to deliver competitive rates and a 4.8/5 Trustpilot rating with a Net Promoter Score of 89.

JUMO is a Banking as a Service platform that uses AI to power financial services in emerging markets. The platform provides end-to-end banking infrastructure (Core) and an AI processor (Unify) that makes credit decisions using non-traditional data points like GSM records and mobile wallet transactions. JUMO enables credit access for entrepreneurs without prior financial history, partnering with mobile network operators and banks across Africa to disburse loans and reach underserved populations.

CloudPay is a global payroll SaaS platform that processes payroll, payments, and workforce management for multinational organizations across 140+ countries. It handles 3+ million payslips annually and over $24 billion in payment transactions, consolidating fragmented payroll processes across geographies, currencies, and regulatory environments. The platform automates calculations, ensures local compliance, and provides centralized visibility into payroll costs and performance. CloudPay serves enterprise customers including Visa, Wayfair, Wells Fargo, Expedia, and the London Stock Exchange.

MNT-Halan is a digital financial superapp serving Egypt's unbanked population with instant lending, buy-now-pay-later, e-wallets, and investment products. The platform uses alternative data (behavioral and transactional) instead of traditional credit history to make lending decisions, enabling gig workers, street vendors, and underbanked businesses to access capital within minutes via mobile app. With over $12 billion in loans disbursed to 8 million customers, it has become Africa's fastest-growing fintech unicorn and expanded to the UAE.

Akur8 is an AI-powered SaaS platform that automates insurance pricing and reserving using machine learning while maintaining regulatory transparency. The platform enables actuaries to build predictive pricing models 5x faster than traditional methods by combining gradient-boosted machine learning accuracy with GLM-comparable explainability. Serving 300+ insurers including AXA, Generali, and Munich Re across 40+ countries, Akur8 solves the critical problem of reconciling advanced AI sophistication with insurance regulatory compliance requirements.

Nuula was a financial services super-app for small businesses that bundled cash flow forecasting, business credit monitoring, customer sentiment tracking, and integrated banking services. The platform connected cloud accounting systems, business bank accounts, and commerce platforms to provide real-time financial insights and automated credit access. Founded by veteran fintech entrepreneur Mark Ruddock, Nuula positioned itself as 'the unbundled bank' by curating best-in-class financial components into a single mobile-first platform. The company was acquired by Nav in January 2023.

Novel Capital is a revenue-based financing platform serving early-stage B2B SaaS and subscription companies with $350K+ ARR. The company provides non-dilutive growth capital from $100K to $5M through two products: RevShare Capital (up to 30% of expected annual revenue) and Upfront Capital (8% upfront fee, 18% APR). Beyond financing, Novel's Capital Intelligence Platform offers strategic support in sales growth, talent acquisition, and operational planning, with founders able to access capital flexibly based on their approved credit facility (10-40% of ARR).

Spendesk is an all-in-one spend management platform that consolidates corporate cards, expense reimbursements, invoice payments, budgets, approvals, and reporting into a single solution. It serves mid-market and enterprise businesses across Europe, particularly SMBs, eliminating fragmented spending processes and giving finance teams visibility and automation across all employee spending. The platform processed €20 billion in spend in 2024 and is trusted by over 5,000 businesses including Algolia, Soundcloud, Doctolib, and Gousto. What differentiates Spendesk is its unified 7-in-1 approach versus point solutions, combined with European compliance focus and recent AI agent capabilities.

Capchase is a revenue-based financing platform that provides non-dilutive growth capital to B2B SaaS companies with $1M+ ARR. Through its Capchase Grow product, companies can access up to 70% of their annual recurring revenue as upfront capital, while Capchase Pay enables B2B buy-now-pay-later functionality for their customers. The platform has deployed over $2 billion to nearly 3,000 customers since 2020, offering 24-48 hour funding decisions without restrictive covenants or equity dilution.

Viamericas is a money transfer and international payments platform serving migrant communities across 95 countries. The company operates a hybrid model combining thousands of U.S. agent locations with digital channels (Vianex API) to enable remittances, bill payments, check processing, and mobile top-ups. Viamericas differentiates through competitive pricing (up to 30% cheaper than competitors), access to 2,700+ banks and 107 mobile wallets globally, and focus on underserved Latin American and Caribbean corridors where it has grown from 5% to 10% market share in five years.

Drip Capital is a digital trade finance platform providing collateral-free post-shipment financing to exporters and importers globally. Using automated risk assessment and minimal documentation, the company extends credit lines up to $3M to SMBs participating in international trade. The platform has facilitated over $9 billion in cross-border trade for 11,000+ businesses across 100+ countries, addressing the $1.7 trillion global trade finance gap that traditional banks leave underserved.

Speedchain is a commercial credit card and expense management platform purpose-built for construction companies. It combines a Mastercard World Elite card program with AI-powered receipt capture, project-level spend visibility, and accounts payable automation to help construction firms reduce manual processing costs, prevent fraud, and optimize financial workflows. The platform has processed over $2 billion in payments and delivers 5%+ realized benefits through improved controls, enhanced visibility, and industry-leading rewards.

Capitolis operates a B2B marketplace and SaaS platform that enables global financial institutions to optimize their trading positions and access diversified capital. Using proprietary algorithms, the platform allows banks, hedge funds, and asset managers to eliminate redundant positions, reduce capital requirements, and connect with institutional investors. The company has optimized over $17 trillion in gross notional trades and transacted $76+ billion through its capital marketplace, serving 100+ financial institutions including major global banks.

ConnexPay is a unified payment platform that combines merchant processing and virtual card issuance on a single contract with one API, eliminating the traditional 24-48 hour settlement delay. It serves intermediaries—companies like travel platforms and marketplaces that sit between consumers and service providers—enabling instant access to authorized funds for supplier payments. The platform reduces operational costs by 50%, automates reconciliation, and includes AI-powered fraud detection through Kount integration.

Arrow is an AI-powered operating system for healthcare revenue cycle management that automates billing, claims processing, denial management, and collections. It unifies fragmented workflows across EHRs, clearinghouses, and payer portals without requiring system replacement. The platform uses autonomous AI agents to handle denials end-to-end, detect errors before submission, and maintain real-time visibility into claim status and payment flow.

TIFIN is an AI platform that builds and operates fintech companies focused on personalizing investment experiences for wealth managers and their clients. The company has created 12 companies (10 still operating under TIFIN) that serve 3-4 million individuals through a network of ~3,000 financial advisors. Its core AI platform coordinates multiple agents across advisory, operational, and investment workflows, backed by institutional investors including JPMorgan, Morningstar, and Franklin Templeton.

Prytek Holdings is a technology investment group that builds and operates financial services infrastructure through a dual-arm model: a corporate services division providing managed financial services, cybersecurity education, and recruiting solutions; and a venture capital division investing in fintech, regtech, cybersecurity, and data companies. The company operates a vertically integrated ecosystem of 25+ portfolio companies serving over 140 financial institutions and 1,000 corporate clients. Prytek differentiates through its integrated platform approach, combining multiple complementary technologies and services under one structure rather than competing as standalone products.

RedotPay is a stablecoin-based fintech platform that combines crypto payment cards, cross-border payout rails, and multi-currency accounts into a unified financial app. It serves consumers in emerging markets facing currency instability and limited banking infrastructure by enabling global spending and transfers using cryptocurrencies without fiat conversion. With 6+ million users across 100+ countries and $10B+ annualized payment volume, RedotPay has achieved unicorn status ($1B+ valuation) in under 3 years, backed by tier-one investors including Lightspeed, Coinbase Ventures, and Goodwater Capital.

M2P Fintech is an API infrastructure platform that enables banks, fintechs, and digital platforms to embed financial products into their customer journeys. The company offers a 'bank-in-box' solution with core banking systems, loan management, payment processing, and compliance tools that connect to public infrastructure, incumbent banks, and NBFCs. Operating across 30+ markets in Asia Pacific, MENA, and Oceania, M2P powers 200+ banks, 300+ lenders, and 800+ fintech engagements serving 50+ million end users.

Grow Credit is a financial inclusion platform that helps consumers with no credit or thin credit files establish and build credit scores by leveraging their existing subscription payments (Netflix, Spotify, Disney+, cell phone bills). The platform reports on-time payments to major credit bureaus (Equifax, Experian, TransUnion) through a virtual Mastercard-backed loan mechanism. Users can build credit for free or upgrade to premium tiers with higher credit lines and spending limits, making credit building accessible to an estimated 100M underserved consumers.

PalmPay is a digital banking platform built for Africa's informal economy, serving 40 million users across Nigeria, Kenya, and Tanzania. It offers instant onboarding, zero-fee transfers, savings (up to 22% APR), credit products, and business tools for merchants and mobile money agents. The company processes 15 million transactions daily and has built a network of 1 million agent merchants, positioning itself as the largest transaction processor in Nigeria by volume.

FundGuard is a cloud-native, AI-powered investment accounting platform that serves as a core system of record for asset managers and fund administrators. It automates complex multi-asset accounting workflows, real-time NAV monitoring, and exception management across multiple books of record (IBOR, ABOR, X-BOR). The platform uses machine learning to automatically map financial data from any format (CSV, Excel, XML, screenshots) and transform accounting from reactive to proactive, reducing operational risk and manual effort.

Fundbox is an embedded capital platform that uses machine learning to provide working capital solutions to small businesses. The platform offers credit lines and term loans to SMBs based on revenue analysis and credit assessments, with transparent pricing and fast automated approval decisions. Fundbox solves the problem of capital tied up in unpaid invoices—over $1 trillion in the U.S. alone—by connecting businesses with credit when they need it. The company positions itself as a pioneer in embedded working capital, integrating directly into business software platforms like QuickBooks and FreshBooks.

Visa Ventures is the corporate venture capital arm of Visa Inc., investing in innovative fintech, payments, and commerce technology companies globally. The fund identifies and partners with early-stage companies across Series A-C and seed stages, providing portfolio companies with access to Visa's global network, strategic insights, and operational support. With a focus on emerging technologies like generative AI, stablecoins, and embedded finance, Visa Ventures has deployed approximately 48-75 investments across all stages, with over 50% of portfolio companies based outside North America.

Global Processing Services provides GPS Apex, a multi-award-winning issuer processing platform that enables fintechs, digital banks, and embedded finance providers to process and manage credit, debit, and prepaid card transactions globally. Built by payment experts, the platform integrates seamlessly with issuers, program managers, card manufacturers, and service providers, powering next-generation payment segments including BNPL, expense management, B2B payments, crypto, and open banking. As of January 2022, GPS services operate in 48 countries, have processed 1.3+ billion transactions, and support 190 million issued cards across 180+ clients using 150+ currencies.

SumUp provides mobile payment infrastructure that enables small and medium-sized businesses to accept card payments via wireless card readers connected to smartphones or tablets. The company processes transactions within 1-2 business days and transfers funds directly to merchant bank accounts. SumUp operates in 36 markets across Europe, the US, Latin America, and Australia, serving over 4 million merchants from single-person operators to major event spaces. The platform differentiates through simplicity, accessibility for non-technical users, and the lowest transaction fees in its category.

⚠️ INACTIVE: Prime Trust was a technology-driven trust company that provided API-based financial infrastructure for fintech and digital asset companies, offering custody, funds processing, compliance, and transaction settlement services. The company served nearly 700 B2B clients including Swan, Abra, Dapper Labs, and Binance US. Prime Trust filed for Chapter 11 bankruptcy in August 2023 and is no longer operating.

Stronghold creates virtual payment networks that instantly settle transactions and enable interoperability between legacy banking systems and blockchain-based payment rails. The platform offers card processing, ACH transfers, merchant financing, and checkout services, with the unique ability to bridge traditional and modern payment infrastructure. They specifically serve high-compliance industries like gambling and alcohol that struggle to access financial services, rewarding transaction volume with SHx tokens that offset fees.

Codat is a universal API platform that enables software providers and financial institutions to access, synchronize, and interpret small business financial data in real-time. It connects to 35+ accounting, banking, and commerce platforms through a single standardized API, making integrations 6x faster than building in-house. The platform serves over 300 global clients including major banks and fintechs like Brex, Jeeves, and PayPal Zettle, with 150,000+ small businesses connected.