Caffeinated Capital is a technology venture capital firm that partners with founders at the inception stage and invest throughout the life of the company.

Caffeinated Capital

SciFi VC invests in early stage companies whose defensibility is derived from hard technical feats, network effects, and complex highly regulated industries. SciFi began as the investment arm of Max Levchin’s startup studio, HVF.

SciFi VC

Bling Capital is a venture capital investment firm based in the San Francisco Bay Area, California. It primarily invests in consumer tech, internet, mobile, marketplace, data, fintech, SaaS, and automation sectors.

Bling Capital

BoxGroup is an early-stage investment fund that invests in technology companies. The fund aims to invest in the consumer, enterprise, fintech, healthcare, life science, and marketplaces industries at the earliest stage, as early as pre-seed round and as late as Series A. It supports companies based on a conviction in the team and seeks entrepreneurs working at the beginning of movements in existing markets or new markets yet to be created and with visions to create the next generation of category-defining businesses.

BoxGroup

ONEVC is a Silicon Valley and Brazil-based generalist seed-stage venture firm focused on investing in entrepreneurs that tackle multi-billion dollar markets with solid product-market fit.    The firm invests early in a focused portfolio of transformational companies with the potential to be market leaders.    As Partners, we have a diverse background. Our purpose is to back the next generation of category-defining companies.    ONEVC partners have ''full-stack'' Venture experience. From angel investments all the way to underwriting technology IPOs. Together we have over 50 years of combined experience having invested in 70+ companies in Silicon Valley and Brazil.

ONEVC

Lorimer Ventures is an operator led investment firm backing bold entrepreneurs building exceptional B2B startups.

Lorimer Ventures

Willowtree Investments operates as an early stage venture capital firm.

Willowtree Investments

SV Angel is a service organization, investing in founders who share these values. They support entrepreneurs in building lasting companies by assisting at key inflection points and leveraging networks to help them propel their businesses forward.

SV Angel

QED Investors is an investment firm that supports high-growth companies and businesses. The firm typically provides a combination of both capital and capability. But common to all the firm's partnerships is a shared conviction that information plays a decisive role in the success of the company, a mutual desire for a high degree of direct engagement, and a shared enthusiasm for experimentation and learning.

QED Investors

01 Advisors is a venture and advisory firm helping founders go from building a product to building a company. The firm was founded in 2018 and is headquartered in San Francisco, California.

01 Advisors

Thomvest is a cross-stage venture capital firm specializing in early-stage, growth-stage, start-up, and mid-venture investments. The company primarily focuses on opportunities with early-to-mid-stage companies in the fields of financial technology, marketing technology, cybersecurity, sales, and cloud infrastructure sectors. As part of their focus on these areas, they are committed to helping their companies become leaders in their fields through their work with them and through the focus on understanding where value can be created in these industries, as can be seen from the research they publish regularly.

Thomvest Ventures

Invesco is an independent investment management firm dedicated to delivering an investment experience that helps people get more out of life. The firm is specialized investment teams managing investments across a comprehensive range of asset classes, investment styles, and geographies. They are privileged to manage more than $926.0 billion in assets on behalf of clients worldwide (as of November 30, 2018 ).  They offer a wide range of single-country, regional and global capabilities across major equity, fixed-income, and alternative asset classes, delivered through a diverse set of investment vehicles. High-quality results begin with specialized insight and disciplined oversight.

Invesco

Tusk Venture Partners is the only venture capital firm at the nexus of technology and regulation. TVP is an early-stage venture capital firm based in NYC, focused on investing in technology startups operating in highly-regulated markets.

Tusk Venture Partners

Gaingels is a venture investment syndicate in service of the LGBT+ community and its allies, investing in companies with LGBT+ founders and C-suite leaders at all stages of growth, as well as in more established companies resolved on building more inclusive teams, with a global portfolio of 130+ companies and $70M in deployed investment capital to date.  The Gaingels network also actively supports its portfolio in identifying and recruiting diverse talent to their C-suite and board leadership teams and fosters a vibrant global community of industry leaders, investors, operators, and entrepreneurs who share a common goal for positive social change through business and successful investments.

Gaingels

Industry-transforming companies & strategic capital partners

Dolik Ventures

jtangoVC

GTMfund is an early-stage fund focused on investing in hyper-growth B2B SaaS companies. The fund is comprised of 260+ go-to-market executives from the fastest-growing companies on the planet (Snowflake, DocuSign, Okta, Salesforce, Twilio, Square, Procore, etc). Our operators have been there, done that, from zero to IPO. We support our founders with everything GTM - from strategy to hiring and execution.

GTMfund

Xffirmers supports founders across fin-tech, e-commerce and software.

Xffirmers

Capchase

Fondo helps with bookkeeping and beyond so founders can grow their businesses with more resources. The company strives to help founders build an enduring business by taking work off of their plate, providing them with the data needed to make key business decisions, and making sure the startup is in compliance at the state and federal level.

Enerex is a B2B SaaS+Marketplace that makes it easy to buy and sell energy in competitive markets. We replace the high friction, email+spreadsheet-based process with an ecosystem of tools for each stakeholder in the energy procurement process: Brokers, Suppliers, and end-use Customers combining a specialized energy-specific CRM with an online API-based transaction marketplace.

BlogTec's easy-to-use online platform gives companies access to SEO and content services without requiring a big budget. The company's services are SEO popular content, SEO translation, content optimization, content planning, website copy, seo, site audits, technical seo, keyword research, packages, SEO popular content subscriptions, and backlink subscriptions.

Capchase is a fintech company that helps SaaS companies finance the growth of their operations with cash tied up in future monthly payments. The company was founded in 2020 by Ignacio Moreno, Przemek Gotfryd, Luis Basagoiti, and Miguel Fernandez and is based in New York, United States.

Capchase offers capital financing support to SaaS companies and helps them secure non-dilutive capital necessary to facilitate business growth and achieve recurring revenue targets. It also offers Capchase Pay, a specifically designed financing solution for B2B SaaS businesses, which allows users to purchase and access a SaaS product and pay for it in installments over time. Capchase Pay acts as a financier for buyers who wish to purchase and access a SaaS product immediately. The full contract value is given to the vendors upfront (net a small fee) immediately after the deal closes.

Buy Now, Pay Later

Capchase tops Poets&Quants’ MBA startups for 2024

Fondo

Enerex

Blogtec

Capchase offers capital financing support to SaaS companies and helps them secure non-dilutive capital necessary to facilitate business growth and achieve recurring revenue targets. It also offers Capchase Pay, a specifically designed financing solution for B2B SaaS businesses, which allows users to purchase and access a SaaS product and pay for it in installments over time. Capchase Pay acts as a financier for buyers who wish to purchase and access a SaaS product immediately. The full contract value is given to the vendors upfront (net a small fee) immediately after the deal closes.The service offers flexible payment terms that fit the needs of customers, whether that’s monthly, biannually, or annually, which can allow users to shorten sales cycles and collect annual recurring revenue (ARR) upfront. In addition to this, all billing, collections, and reconciliations are handled directly by Capchase with the buyer. They have built vendor and buyer portals to streamline the sales and payment process and have integrated seamlessly with Salesforce and Hubspot.Key customers and partnershipsIn September 2024, Capchase&nbsp;<a href="https://sp-edge.com/updates/33675">partnered with</a>&nbsp;<a href="https://sp-edge.com/companies/57000">Stripe</a>, an API-based payment infrastructure, card-issuing, and fraud prevention platform, to embed Capchase's B2B BNPL offering into Stripe's payment offering. In February 2024, Capchase <a href="https://sp-edge.com/updates/26976">partnered with BBVA Spark</a> (a subsidiary of Banco Bilbao Vizcaya Argentaria) to offer integrated financing solutions for companies with recurring revenue models leveraging Capchase's technology for digital client analysis. Capchase collaborated with the marketing company Betts Recruiting to combine Betts Recruiting's subscription recruiter model with Capchase's revenue-based financing solution, providing startups access to capital and top talent (June 2023).&nbsp;

Openpay is an Australian BNPL platform launched in 2016 offering flexible payment plans with deferments ranging between 2-24 months for transactions from AUD 50 to AUD 20,000 (approximately USD 36-USD 14,600). The platform focuses on the automotive, healthcare, home improvement, memberships, and education industries. In December 2019, Openpay was listed on the Australian Securities Exchange, raising AUD 50 million (approximately USD 35 million) in the process. This was roughly two years after it had to abruptly cancel its initial IPO plans and raised AUD 10 million (approximately USD 8 million) instead.Openpay’s B2C solution offers equal weekly and bi-weekly installment plans at no interest, with longer terms typically offered for larger ticket purchases. Its proprietary risk management technology drives the platform’s credit decisions, and it integrates with leading e-commerce platforms such as Shopify, PrestaShop, Magento, and WooCommerce. Furthermore, Openpay has a B2B trade account management solution that is separate from its BNPL service.Openpay generates revenue through merchant fees, which represent a percentage of the transaction value, customer fees (including late fees), an initial establishment fee, and a recurring plan management fee.Initially available in Australia and New Zealand, Openpay expanded its operations to the UK in June 2019, followed by a US launch in December 2020 under the brand Opy. However, it withdrew from the UK BNPL market in March 2022 citing its inability to compete in the market. It also revealed that it will continue to offer longer-term repayment plans for dental procedures and car repairs in the UK through partnerships.Key customers and partnershipsIt entered the veterinary market in the US via a partnership with ezyVet, which provides cloud-based software for veterinary professionals, and its plans are expected to be available on ezyVet platforms by early FY2022 in the US. It partnered with contactless payments firm Everyware in <a href="https://sp-edge.com/updates/5954">October 2021 </a>to offer the first-ever Pay-by-Text BNPL solution, followed by a tie up with American Express in <a href="https://sp-edge.com/updates/7084">December 2021 </a>.Openpay secured a strategic partnership with the payments processor Worldpay and Cross River Bank. As a result, Openpay’s payment plans were integrated with Worldpay’s payment gateway as the merchant acquirer for Openpay in the US, while Cross River was expected to serve as <a href="https://sp-edge.com/updates/5806">Openpay’s lender </a>for consumer financing loans to US customers, meaning it will fund and originate all loans on Openpay’s US platform. However, in July 2022, Openpay announced that it’s ceasing operations in the US market owing to economic headwinds stemming from rising interest rates and deteriorating consumer sentiment.

Openpay

PrimaHealth Credit (PrimaHealth) is a BNPL solution designated for elective medical procedures such as cataract surgery, orthodontic work, dental care, LASIK, and addiction treatment. PrimaHealth’s credit decision-making is handled in-house using proprietary credit underwriting models. With PrimaHealth, patients would pay 25% to 50% of the cost upfront, and the residual cost, running from USD 300 to USD 24,000, can be repaid over 2-4 months. PrimaHealth’s interest rates range from around 0% to 25% APR with an average loan size of USD 1,800 across all types of procedures.As of December 2020, PrimaHealth was available in Arizona, California, Florida, Oklahoma, and Texas, and plans to expand across all 50 states by 2021.

PrimaHealth Credit

Laybuy is a New Zealand-based BNPL provider offering its services in Australia, the US (beta launched in December 2020), and the UK through a partnership with the streetwear retailer Footasylum in 2019. The platform partners with Experian, a multinational credit bureau, to help with its credit decision-making. Through Laybuy, users can make online or in-store purchases over six weekly payments with no interest charges if paid on time. The in-store offering is facilitated by Laybuy’s “Tap to Pay'' digital card, available in Australia and New Zealand as of March 2021 and launched in August 2021 in the UK. The platform has an average customer transaction limit of GBP 240, and any missed payments will result in the user account being suspended and a late fee of USD 10.In FY2022, the platform reported gross merchandise volume (GMV) of NZD 868 million (~USD 600 million), reflecting 47% YoY growth. The platform’s revenue grew by 45% YoY to NZD 47.1 million (~USD 32.8 million). The UK operation accounted for the majority (~60%) of GMV in FY2022, improving on its ~50% share last year. The company also revealed that total active customers increased 23% YoY to 931,000, while total active merchants grew 50% YoY to 13,700. Laybuy was listed on the ASX from September 2020 to March 2023, after which it was <a href="https://sp-edge.com/updates/15915">delisted</a>.Laybuy issued <a href="https://sp-edge.com/updates/30597">receivership notice</a> in June 2024 due to financial pressures and economic challenges affecting its operations in New Zealand and Australia. The company stated that Laybuy Group Holdings Limited, Laybuy Holdings Limited, and Laybuy Australia Pty Limited were placed for receivership on 17 June and that its UK entities remain unaffected.Key customers and partnershipsIn May 2023, <a href="https://sp-edge.com/companies/976316">​​ </a>Laybuy collaborated with New Zealand-based Centrix, a credit bureau, to develop a credit reporting system, <a href="https://sp-edge.com/updates/18326">PayWatch </a>. The company also <a href="https://sp-edge.com/updates/18595">partnered with Eventfinda </a>, an event ticketing and marketing platform, to embed its BNPL solution and offer flexible payment options for event tickets. Laybuy secured partnerships with merchants such as Rakuten, AWIN, and Sovrn, giving users access to more than 5,000 merchants in the UK, including WHSmith, Asos, Nike, Marks &amp; Spencer, Amazon, and eBay.

Laybuy

Tamara is a Saudi Arabian BNPL platform provider offering customers the option to pay in 30 days or in three installments over 60 days at zero interest, making it Shariah-compliant. Tamara settles payments with merchants weekly for a commission-based fee, charging a late payment penalty of SAR 25 (approximately USD 7) from customers. These charges are capped at a lower rate between SAR 150 or 25% of the total transaction value. In September 2020, Tamara established a partnership with the e-commerce platform Salla, extending its reach to more than 10,000 merchants on the platform. As of June 2021, it operates in Saudi Arabia and the UAE with offices in Germany and Vietnam. In July 2023, Tamara <a href="https://sp-edge.com/updates/19954">secured a permit </a>to operate its flexible payment services from the Saudi Central Bank following a trial period of operation within the Saudi Arabian regulatory framework.Key customers and partnershipsThe company claims to be the market leader in the BNPL space in Saudi. It reported that its transaction volume grew 170% month-on-month and its customer base increased 180% month-on-month over the six months preceding its Series A round. As of January 2023, the platform had serviced over 9 million registered users and had over 30,000 merchant partners, including partnerships with firms such as IKEA, Jarir, Shein and Namshi.<a href="https://sp-edge.com/updates/27305">In March 2024</a>, Tamara partnered with UK-based <a href="https://sp-edge.com/companies/615710">Uqudo</a>, a digital identity verification platform, to enhance privacy and security on digital transactions. <a href="https://sp-edge.com/updates/25271">In January 2023</a>, the company partnered with Egypt-based <a href="https://sp-edge.com/companies/497895">Paymob</a>, a payment gateway platform, to provide an integrated solution that facilitated installment payments for customers in the Gulf Cooperation Council (GCC) region.Funding and financialsIn <a href="https://sp-edge.com/updates/24016">November 2023</a>, Tamara secured up to USD 250 million in debt financing from Goldman Sachs and Shorooq Partners. It comprises an incremental debt financing of USD 200 million of senior debt provided by Goldman Sachs (bringing its senior warehouse facility up to USD 350 million, an increase from USD 150 million raised in <a href="https://sp-edge.com/updates/17139">March 2023</a>) and USD 50 million mezzanine tranche led by Shorooq Partners, which brings the total warehouse facility up to USD 400 million. The company earmarked the funds to service its growing BNPL product demand and invest in developing new products and services.

Tamara

Fly Now Pay Later is a UK-based consumer credit provider regulated by the Financial Conduct Authority. The platform provides its services exclusively to the travel sector through a direct-to-consumer app (Anywhere) and an integrated checkout solution. The platform allows consumers to spread the cost of travel over a maximum of 12 months, with a limit of GBP 3,000 (approximately USD 4,200). The plans’ interest rates vary depending on the applicant's borrowing history; therefore, users may incur a one-off credit transaction fee. The payment plans can be applied to flight bookings, hotels, and car hires.The company has partnered with travel brands such as Lastminute.com, TravelUp, Kayak, LycaFly, and Trivago.The company secured GBP 55 million (approx. USD 75 million) in <a href="https://sp-edge.com/updates?industryIds=58">debt funding </a>from Atalaya Capital Management. The round follows its extended Series A round worth GBP 10 million (approx. USD 14 million) in May 2021. The debt infusion is earmarked to support its expansion efforts in the US, which it entered into in 2020.

Fly Now Pay Later

The providers plug into merchant checkouts and convert business purchases into installments.

These platforms integrate with the merchant’s e-commerce checkout and primarily offer the BNPL solution through their app. Consumers are restricted to shopping at merchants integrated with the provider in most cases.

These providers integrate with the merchant’s e-commerce checkout. The service is offered through the provider’s app or a virtual card that facilitates in-store application, including non-partnered retailers.

These companies offer merchants and financial institutions a white-label product to provide in-house BNPL solutions.

Solutions can use AI/ML to improve the quality of underwriting tools used in assessing consumers

Use of blockchain technology for customer screening is an emerging area

PROMINENT_CATEGORY

<div>
 
 Capchase, a B2B financing platform, has joined forces with Stripe, an API-based payment and fraud prevention platform. This partnership allows Capchase's B2B BNPL service to be integrated into Stripe's payment features.
 This collaboration delivers increased flexibility and convenience for B2B transactions. It allows buyers to split their purchases into fewer payments and lets sellers conclude deals quicker with the yearly contract value received upfront.
 Businesses that have used Capchase Pay have noted a consistent increase in annual contract value by up to 50% and an average sales cycle speed of approximately 30% higher. The partnership with Stripe's payment platform simplifies the process for SaaS businesses to offer flexible payment options to their customers.
 
</div>

Capchase

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