A growth accelerator, Audacia is an independent management company owned exclusively by its executives, which has been supporting French entrepreneurs for over 10 years in their financing issues. Given the incredible opportunity that represents the tax law passed in August 2007 TEPA, they are targeting specific companies eligible for its criteria. Investors subject to the ISF can convert up to its entire capital of SMEs tax. The proposed investments also allow you to benefit cuts Income Tax significant statutory Madelin.

Audacia

Made.com makes high-end, designer furniture accessible for all.  Made.com cuts out the middleman and links consumers directly with the designers. This allows the organisation to provide high quality, made to order, cool designed furniture straight to consumers at low prices. The company sells all of its products straight through the web and has no showrooms or warehouses, which reduces waste and surplus stock. The business also groups its orders together, combining all requests for the same piece and putting them into production every seven days. Using the aforementioned techniques the company states it sells its products at great reductions with its furniture typically priced 70 - 85% lower than its high street competitors.  Made.com was launched in April 2010 and now connects over 100,000 customers with renowned designers, bringing luxury home design to customers at accessible prices. In the two years since its launch, the Notting Hill-based brand has worked with a number of top designers and artists including; Damien Hirst, James Harrison, Alison Cork, John Stephanidis, Steuart Padwick, Ai Wei Wei, and the Chapman Brothers as well as many other top design partners. Made.com also states it has found the best craftsmen to build its furniture. The skilled workers are often the same people who create products for the UK’s famous high street brands.  Made.com is based in Notting Hill, London and operates an office in Shanghai.

MADE

Anaxago is a brand new crowdfunding platform dedicated to innovative companies. Anaxago aims at changing the traditional equity capital investment model.  Their goal is to forget about the capitalistic-only and go for a truly sharing and participative investment model.  Thanks to Anaxago, entrepreneurs can benefit from the financial support of their investors but also learn from the shareholders' experience, expertise and network. Each investor can take an active part to the company life and so be a part of a lively entrepreneurial adventure. They offer a small range of companies each month to their investors community. Startups and small companies are chosen with good care and have to go through a whole process of financial analysis. They also prefer to select companies with a real innovative value added.  With Anaxago, young and small companies can find funding and support to grow and develop. They give them a chance to be the actors of tomorrow's growth and reboost their economy. Since its launch, Anaxago gathered 100 000 members and invested more than 130M€ funding more than 200 businesses.

Anaxago

ANYTIME offers business accounts, payment solutions, and expense management tools that make life easier for small businesses.  Anytime was launched in 2012 to provide simplified financial services to consumers and businesses.

ANYTIME

Tomcat Capital is a VC firm fostering growth & success in Entrepreneurship.

Tomcat Capital

Fruitz is one of the fastest-growing dating apps in Europe. the French app encourages open and honest communication of dating intentions through four playful fruit metaphors - cherries, grapes, watermelons, and peaches. the dating app is particularly popular with Gen Z, a growing segment of online dating consumers.

Fruitz

Caravel Pension

Caravel Pension is dedicated to retirement to reinvent it and provide an answer to the new challenges of work and the urgency of Climate change.

Caravel is a complementary retirement company founded in 2020 by Olivier Rull, Hugo Lancel, and Marie Janoviez. It aims to offer a flexible and responsible retirement savings solution, particularly for freelancers and small businesses. Caravel runs entirely on no-code tools, utilizing platforms like Webflow for the front-end, Memberstack for authentication, Airtable as the database, and Make as the glue to connect everything.

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Embedding environmental, social, and corporate governance factors into investments

Sustainable Finance

Caravel

Caravel is a complementary retirement company founded in 2020 by Olivier Rull, Hugo Lancel, and Marie Janoviez. It aims to offer a flexible and responsible retirement savings solution, particularly for freelancers and small businesses. Caravel runs entirely on no-code tools, utilizing platforms like Webflow for the front-end, Memberstack for authentication, Airtable as the database, and Make as the glue to connect everything.The company's platform allows users to invest in sustainable and responsible funds certified to help build a better future. Caravel's investment strategy involves three phases: Growth, Balance, and Securitization, targeting annual net returns of 9%, 6%, and 3%, respectively. The goal is to achieve an average annual net performance of 5%.Caravel partners with insurance providers like Apicil Épargne Retraite and Apicil Épargne to offer retirement savings plans (PERs) and life insurance products. Users' funds are deposited and held by these insurers, ensuring continuity of service even if Caravel were to cease operations.As of October 2022, Caravel had over 2,050 clients and recorded a 20-30% monthly growth rate over the previous 15 months. In early 2022, the company raised EUR 1.5 million in funding.

Starling Bank is a digital, mobile-only bank based in the UK, offering personal and business accounts. Founded in 2014 by former Allied Irish Banks COO Anne Boden, Starling received its banking license from regulators in July 2016. The bank operates without any physical branches and provides services entirely through its mobile app.
Starling offers various personal account options, including current accounts, joint accounts, euro accounts, and teen accounts. Its multi-currency feature allows customers to hold, send, and receive euros for free, with a 0.4% conversion fee for foreign transactions. The app provides real-time spending insights, categorized expenses, budgeting tools, and the ability to set aside money in "Virtual Change Jars." Customers can also apply for overdrafts and loans through the app.
For businesses, Starling offers digital business accounts with powerful money management tools, invoicing, tax assessment, and integration with accounting software. Businesses can also hold and transact in euros and US dollars through dedicated currency accounts.
Starling facilitates international money transfers to 36 countries in 20 currencies, with competitive exchange rates and fees. Customers can opt for direct SWIFT bank-to-bank transfers for a flat fee of GBP 5.50.
In May 2023, Starling Bank reported a record pre-tax profit of GBP 195 million, a sixfold increase from the previous year. Anne Boden stepped down as CEO but remains a non-executive director and shareholder.

Starling Bank

Aspiration is a fintech company that offers a suite of green financial services products aimed at empowering individuals and businesses to combat climate change through their everyday spending and saving activities. The company provides sustainable checking and savings accounts, credit cards, and investment accounts that are fossil fuel-free and enable customers to track their personal sustainability scores.
Aspiration's key product is the Aspiration Spend & Save account, which offers a competitive 3.00% annual percentage yield (APY) on balances up to USD 10,000 as of October 2022. This cash management account comes with a debit card, mobile check deposit, bill pay, and up to USD 2 million in FDIC insurance coverage. Aspiration also has the Redwood Fund and Redwood IRA, investment products focused on sustainable companies committed to ethnic diversity, gender diversity, ethical practices, and addressing climate change.
In April 2024, Aspiration's consumer financial services brand was spun off as a separate company called Mission Financial Partners, led by CEO Tim Newell. This move allowed Aspiration to concentrate on serving businesses through its carbon credit offerings while Mission Financial Partners focused on expanding its suite of climate-friendly consumer products like banking, credit, lending, investment, and insurance solutions. A key aspect of Aspiration's approach is planting trees, with the company claiming to have supported the planting of over 100 million trees as of April 2024.

Aspiration

Classy is a cloud-based fundraising platform offering a comprehensive suite of tools to help nonprofits create engaging online donation experiences and manage fundraising campaigns effectively. Its key features include customizable donation pages, peer-to-peer fundraising capabilities, crowdfunding campaigns, event ticketing, and integration with popular CRM systems like Salesforce.
Classy's platform provides nonprofits with the ability to design branded, mobile-responsive donation forms and fundraising pages. Organizations can accept one-time and recurring donations, as well as process payments through multiple gateways, including PayPal, Venmo, and credit cards. The platform's peer-to-peer fundraising tools empower supporters to create personal fundraising pages and share them across social media platforms, fostering a sense of community and friendly competition through features like fundraising leaderboards and team fundraising goals.
For events, Classy offers event registration, ticketing, and attendee management functionalities, streamlining the process of organizing and promoting fundraising events. The platform also supports crowdfunding campaigns, enabling nonprofits to tap into this popular form of online giving.
Classy's pricing model consists of an annual subscription fee and transaction fees for each donation processed through the platform. As of May 2024, the transaction fees stand at 2.4% + USD 0.30 for credit cards and 2.5% + USD 0.30 for PayPal/Venmo.
Key customers and partnerships
Classy has been widely adopted by nonprofits of various sizes and causes, facilitating the raising of tens of thousands of dollars for their missions. The platform has garnered praise for its user-friendly interface, robust features, and seamless integration capabilities with popular tools like Salesforce and Facebook.
Classy's partnership with Facebook has been particularly noteworthy, enabling nonprofits to leverage the social media platform's reach for peer-to-peer fundraising campaigns. This integration has streamlined the process for volunteers and supporters to raise funds on behalf of the organizations they support.

Classy

Tandem Bank is a digital challenger bank based in the UK, focused on providing environmentally-friendly financial products and services. The bank aims to help customers reduce their carbon footprint while offering competitive savings accounts, mortgages, personal loans, and home improvement financing options.
Tandem utilizes open banking technology to securely connect with customers' existing bank accounts, allowing seamless transfers into their Tandem savings accounts. The bank offers instant access savings accounts with variable interest rates up to 4.90% AER as of April 2024, as well as fixed-term savings accounts ranging from one to three years with interest rates up to 5.07% AER.
In addition to savings products, Tandem provides residential and buy-to-let mortgages, with discounts for energy-efficient properties based on their EPC (Energy Performance Certificate) ratings. The bank also offers personal loans, home loans for expenses like renovations or debt consolidation, and motor finance for used vehicles through approved dealerships.
Tandem's "Green Lending" initiatives allocate a portion of customer deposits toward financing eco-friendly home improvements such as solar panel installations and energy-efficient window replacements. In 2023, the bank facilitated over GBP 523 million in green home improvement lending, contributing to the avoidance of 74,000 tonnes of CO2 emissions.
In January 2022, Tandem acquired the consumer lender Oplo, further expanding its product offerings and solidifying its position as a "fairer, greener digital bank" in the UK market. The bank discontinued its automatic savings features in January 2021 to concentrate on developing its green banking strategy.

Tandem

Cushon is a London-based fintech company founded in 2014 that offers workplace savings and investment products, including ISAs, investment accounts, and pensions. Its key offerings include a workplace ISA, master trust pension, junior and lifetime ISAs, and a general investment account. Cushon's products are designed to be simple and user-friendly, with a mobile app that provides a personalized experience and helps engage savers with their financial goals.
Cushon's unique selling point is the "Net Zero Now" pension, launched in January 2021, which is claimed to be the world's first net zero pension. This pension aims to minimize carbon emissions from investments as much as possible and offsets any remaining emissions through carbon offsetting projects. As of April 2022, Cushon had approximately GBP 1.7 billion in assets under management, making it the fifth largest master trust pension provider in the UK. By February 2023, its assets under management had grown to GBP 1.85 billion.
In February 2023, NatWest Group acquired an 85% stake in Cushon for GBP 144 million, with the remaining equity retained by Cushon management. This acquisition allowed NatWest to offer Cushon's workplace savings and pension products to its commercial mid-market customers, enhancing its financial wellbeing services.

Cushon

Digital banks that deploy customer deposits to sustainable uses such as renewable energy projects and social housing.

Offers a platform for individuals and businesses to invest in sustainability-related companies, projects, and investment portfolios.

Solutions that allow investors to obtain sustainability-related information on their portfolios such as real-world impact (water savings, CO2 savings, etc.) and ESG-related compliance.

Companies that provide the digital infrastructure for financial institutions to offer their own sustainable finance products.

AI/ML is used to support robo advisory functions and allocate funds into ESG-based investments

Startups in this hub focus on ESG-related financial services such as sustainable investing

Caravel

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