Battery Ventures is a global investment firm that focuses on technology. Battery invests in potentially, category-defining businesses in markets including application software, IT infrastructure technologies, consumer-internet and mobile services, and industrial technologies.

Battery Ventures

Andreessen Horowitz is a venture capital firm specializing in investing in seed, start-ups, early, mid-stage, growth, and late-stage. It prefers to invest in the social media business and technology sector with a focus on software, back-end infrastructure, the infrastructure of the Internet, cloud computing, enterprise software and services, consumer, business Internet, mobile-Internet, consumer Internet, cloud computing, data storage, social network browsers data-storage, consumer electronics, networking functions, software related biology, biotech, and medicine companies at the intersection of computer science and life sciences with a focus on digital therapeutics, cloud technology in biology, and computational medicine.

Andreessen Horowitz

Kohlberg Kravis Roberts is an investment firm that manages multiple alternative asset classes, including private equity, energy, infrastructure, real estate, credit, and, through its strategic partners, hedge funds. The company generates investment returns for its fund investors through a patient and disciplined investment approach, employing people, and driving growth and value creation with KKR portfolio companies. The company invests its own capital alongside the capital it manages for fund investors and delivers financing solutions and investment opportunities through its capital markets business. The firm has completed more than two-hundred-eighty private equity investments in portfolio companies with approximately $545 billion of total enterprise value as of June 30, 2017. Assets Under Management (“AUM”) and Fee Paying Assets Under Management (“FPAUM”) were $153 billion and $114 billion, respectively as of September 30, 2017. Jerome Kohlberg, Jr. and cousins Henry Kravis and George R. Roberts, all of whom had previously worked together at Bear Stearns, where the three completed some of the leveraged buyout transactions founded the company. Kohlberg Kravis Roberts has completed a number of transactions including the 1989 leveraged buyout of RJR Nabisco, which was a large buyout in history to that point, as well as the 2007 buyout of TXU, which is currently also a large buyout completed to date since its founding. Kohlberg Kravis Roberts has offices in 21 cities in 16 countries across 5 continents. The firm is currently headquartered in the Solow Building, New York, but in October 2015, the firm announced its intentions to occupy a newly constructed 30 Hudson Yards. In October 2009, Kohlberg Kravis Roberts listed shares in the company through KKR & Co., an affiliate that holds 30% of the firm's ownership equity, with the remainder held by the firm's partners. Kohlberg Kravis Roberts filed to list its shares on the New York Stock Exchange (NYSE) in March 2010, with trading commencing four months later, on July 15, 2010.

Kohlberg Kravis Roberts

Ribbit Capital is a venture capital firm that invests in early-stage companies. The firm invests globally in individuals and brands who are aiming to disrupt financial services.  The investment firm was founded in 2012 by Meyer Malka and headquartered in Palo Alto, California.

Ribbit Capital

Poalim Capital Markets Ltd. is a boutique investment banking firm that offers financial advisory services. The firm provides mergers and acquisitions, corporate divestiture, corporate recapitalizations and restructurings, leveraged buyouts, valuations and fairness opinions, private placements, and initial public offerings advisory services. Additionally, it offers feasibility study, private placement memorandum and investor presentation preparation, client road-show organization, and term sheet negotiation and closing services. The firm caters to corporations, institutional investors, and high net-worth individuals. It has strategic alliances with William Blair & Company, YES BANK, and Poalim Asia Direct. The firm was founded in 1990 and is based in Tel Aviv, Israel. Poalim Capital Markets Ltd. operates as a subsidiary of Bank Hapoalim B.M.

Poalim Equity

LionTree is an investment and merchant banking boutique. Mergers and acquisitions, capital raisings, share repurchases, joint ventures, bankruptcy, buyouts, and initial public offerings are among the services offered by the firm. LionTree serves industries such as technology, healthcare, retail, transportation, media, and telecommunications.

LionTree

CE Innovation Capital is an investment firm that provides digital innovation and wealth management services. Founded in February 2016, CreditEase FinTech Investment Fund (“CEFIF”) is a venture fund investing in FinTech companies globally. CEFIF has an equivalent of $1 billion in the total committed capital. The fund invests in five sub-segments within the domain of FinTech: Lending, Payment, Personal Finance/Wealth Management, Enterprise Solutions, and Insurance.

CreditEase Fintech Investment Fund

Ion Pacific invests creative capital in the technology sector to galvanize opportunities, connect markets and tackle the challenges of building a great business. As the technology sector has grown and matured, venture capital LPs, GPs, corporate venture capital funds and technology companies face new challenges that require creative capital solutions. Ion Pacific has a blindpool venture capital structured secondaries fund. Ion Pacific was founded in 2015 and has offices in Hong Kong, New York City and Europe

Ion Pacific

Shefa Capital is a venture capital fund that focuses on later-stage opportunities for interesting and visionary companies. The firm also invests in the areas of cybersecurity, augmented reality, semiconductors, artificial intelligence, fintech, mobility, enterprise software, mobile/AR applications, and communications. It looks to provide superior returns for their investors by funding extraordinary entrepreneurs whose companies have established a leadership position with their pioneering offerings, proven unfair advantage over their competition and aim to disrupt large industries.

Shefa Capital

V Capital Group is an integrated team of industry experts dedicated to delivering comprehensive advisory and capital-raising services spanning the entire capital spectrum. Our solutions-oriented approach to corporate advisory engagements leverages experience and market knowledge gained across all industries.

V Capital Group

T. Rowe Price is an investment management firm dedicated to funding technology startups. The firm serves individuals, financial intermediaries, and institutions and offers a full range of investment strategies across a broad spectrum: debt, equities, and private equities.

T. Rowe Price

Eldridge invests across insurance, asset management, technology, mobility, sports & gaming, media & music, real estate, and consumer industries. The firm seeks to build and grow businesses led by proven management teams that have demonstrated leadership and experience to scale an enterprise.  Eldridge is headquartered in Greenwich, Connecticut, with additional offices across the United States and London.

Eldridge

Hanaco Venture Capital is a technology company with visionary and passionate entrepreneurs. Hanaco was founded by Alon Lifshitz, Lior Prosor, and Pasha Romanovski in 2017 and is headquartered in Tel Aviv, Israel.

Hanaco Venture Capital

Whale Rock Capital Management is an investment firm that focuses on the technology, media, and telecom sectors. The firm was established in 2006 and is headquartered in Boston, Massachusetts, United States.

Whale Rock Capital Management

General Global Capital makes concentrated growth-stage technology investments across various sectors including: Financial Technology, Enterprise/SaaS, CyberSecurity, Food Technology and Opportunistic growth.

General Global Capital

Cross River Bank

Democratizing financial technology with a suite of API-based solutions

FinTech Infrastructure

<div>
 
 Alviere offers the infrastructure platform “The HIVE” for non-banking enterprises to embed several banking and payment-related financial services for their respective customers and employees. Its banking solutions include white-label infrastructure for enterprises to offer Federal Deposit Insurance Corporation (FDIC)-insured bank accounts, with in-built compliance and security, and issue physical and virtual cards (debit, prepaid, and loyalty). Through its payment solutions, The HIVE enables subscription and real-time payments through means including automated clearing house (ACH), merchant card processing, and cross-border transactions in over 100 currencies. 
 
 
 
 
 Alviere follows a pay-per-use business model, charging users an interchange fee based on the transactions handled by the platform. The company offers its services in North America primarily targeting large enterprises such as the Fortune 500 companies. It noted that it had closed deals with two unnamed enterprise users (in October 2021), each having more than 10 million subscribers/customers. 
 
 
 
 
 Alviere partnered with the cross-border payment solution provider Currencycloud in April 2021 to provide Alviere’s enterprise clients with the functionality of Currencycloud’s Spark solution (a multi-currency e-wallet with individual International Bank Account Numbers [IBANs]).
 
 
 
 
 The company raised USD 50 million in Series B funding in October 2021, six months after it raised USD 20 million in Series A funding. The last raised funds were earmarked for accelerating go-to-market activities and expanding operations to Europe and Latin America.
 
</div>

<div>
 
 Deserve provides a platform for universities, associations, financial institutions, FinTechs, and consumer brands to develop credit card programs using application programming interfaces (APIs). Its platform covers a range of solutions including issuance, marketing, customer experience, and portfolio analytics, among others.
 
 
 
 
 Deserve’s offering includes multiple types of cards including white-label (users customize the cards), co-branded (users only focus on key differentiators of rewards and marketing), and affinity (specialized university programs) cards. The company also partners with leading credit card platforms, including Mastercard, Visa, and Marqeta. 
 
 
 
 
 As of February 2020, its customers included large enterprises such as Sallie Mae and the New Jersey Institute of Technology (NJIT), and leading universities such as Berkeley and UCLA. The company intends to expand to more industries in the future, including wine, travel, cryptocurrency, and fashion.
 
 
 
 
 Deserve 
 <a href="https://sp-edge.com/updates/6195">
 partnered with Zero Hash in October 2021
 </a>
 , to enable its partners to offer crypto rewards on credit card purchases through several digital assets, including Bitcoin and Ethereum. 
 
 
 
 Deserve 
 <a href="https://sp-edge.com/updates/10352">
 received a USD 250 million credit facility
 </a>
 from Goldman Sachs, Cross River, and Waterfall Asset Management, in May 2022, to invest in meeting the growing demand for the platform. This came on the heels of the company receiving 
 <a href="https://sp-edge.com/updates/6266">
 a strategic investment from Visa
 </a>
 in October 2021, four months after 
 <a href="https://sp-edge.com/updates/3600">
 raising USD 50 million in Series D
 </a>
 funding. Deserve also plans to expand the functionality of its platform in the future and introduce subscription management, BNPL, and home equity solutions, among others. 
 
</div>

Digitizing the commercial real estate value chain

Commercial PropTech

<div>
 
 Keyway provides a technology platform designed to make commercial real estate transactions easier. Keyway offers business owners a sale-leaseback solution to provide capital to invest in their growth. Keyway is turning the commercial real estate industry on its head with AI-powered insights, a quick and easy process, and the capital to make dealshappen.
 
</div>

<div>
 
 Lev is a technology platform that enables the digitization of commercial real estate transactions. Backed by FinTech, venture, and real estate firms, Lev provides a marketplace and lending platform. Lev Marketplace provides instant access to a network of commercial real estate lenders, in addition to tools for deal-closing, accurate quotes, comparing quote options and terms, updates on transactions including document tracking and organization, as well as mobile access. The Lev Lending platform specializes in issuing permanent non-recourse loans, with customizable options for amortization, interest, and prepayments. A dedicated lending team provides advice on the right financing options. 
 
 
 
</div>

Using AI to mimic and understand human language

Natural Language Processing Tools

<div>
 
 Ocrolus is a document automation platform that powers the digital lending ecosystem, automating credit decisions across fintech, mortgage, and banking. The company provides document analysis infrastructure to customers like PayPal, Brex, SoFi, and Plaid, and has raised over $100 million from blue-chip fintech investors. Ocrolus enables financial services firms to make high quality decisions with trusted data and unparalleled efficiency.
 
</div>

Loads of Dignity is a non profit organization which  restores dignity and extends a helping hand UP to homeless and low-income neighbors.

It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

Deserve Inc. is a leading mobile-first credit card platform built on a cloud-native and API-enabled architecture, which allows partners to offer superior personalized experiences for cardholders. We partner with financial institutions, fintechs, lenders, and merchant co-brands.

Lev provides a technology platform for digitizing commercial real estate transactions. The company was founded in 2019 and is based in New York, New York, USA.

Cherry is a payment solutions company that offers fast and easy payment plans for medical practices. It helps medical providers treat more patients by offering the best ``buy now, pay later`` solution with high approvals, low cost, and a seamless experience. The company was founded in 2017 and is based in San Francisco, California.

Keyway provides a technology platform designed to make commercial real estate transactions easier. Keyway offers business owners a sale-leaseback solution to provide capital to invest in their growth. Keyway is turning the commercial real estate industry on its head with AI-powered insights, a quick and easy process, and the capital to make deals happen.

Ocrolus is a document automation platform that powers the digital lending ecosystem, automating credit decisions across fintech, mortgage, and banking. The company provides document analysis infrastructure to customers like PayPal, Brex, SoFi, and Plaid, and has raised over $100 million from blue-chip fintech investors. Ocrolus enables financial services firms to make high quality decisions with trusted data and unparalleled efficiency.

Scrypt AI provides an industry leading Integrated Payables and Receivables platform that leverages machine learning and artificial intelligence to deliver fast, zero-touch invoice coding, check coding, digital payments and account reconciliation. Scrypt seamlessly integrates with deposit and payment imaging solutions as well as third-party ERPs and eSign products.

Alviere is a finance platform that provides embedded financial products and technology to its customers. It streamlines and automates the delivery of financial products like banking, mobile payments, card issuance, payment processing, and cross-border currency exchange, enabling its clients to strengthen customer relationships, increase revenue and maximize profits.

SeedFi is building a new generation of financial products for the 100MM Americans living paycheck to paycheck. Their customers include the most vulnerable members of society and their products have a tangible impact on their financial health, providing lower-cost access to capital and the opportunity to build credit and start saving. They were founded in early 2019 by a team of fintech (and tech!) veterans. Having spent the past 10+ years lending to lower-income consumers who need better options, they’re highly attuned to the challenges people face getting access to financial services that leave them in a better place. They aim to change that. SeedFi has offices in San Francisco and New York.

Divvy Homes is a tech-enabled real estate platform that facilitates rent-to-own home purchases. Its platform selects any home on the market and buys it for the renter who in turn makes down payments and gets a jump start on owning a house, enabling customers to close the housing affordability gap. The company was founded in 2017 and is headquartered in San Francisco, California.

Cross River Bank combines innovative technologies with the expertise of a bank to create new services and solutions for fintech companies that are redefining global financial services. In addition to traditional banking, the company has developed partnerships with financial technology leaders to build compliant and integrated products for the marketplace lending and payment processing arenas.

<div>Cross River Bank provides a white-label banking-as-a-service (BaaS) platform for enterprises, combining banking services, payments, and marketplace lending infrastructure to build fintechs. Its solutions comprise demand deposits, savings accounts, credit and debit cards, and payment clearing services, including automated clearing house (ACH) and real-time payments. The company also provides banking and payment infrastructure for the crypto industry, including risk management services for its crypto clients.</div>

<div>
 
 Cross River Bank provides a white-label banking-as-a-service (BaaS) platform for enterprises, combining banking services, payments, and marketplace lending infrastructure to build fintechs. Its solutions comprise demand deposits, savings accounts, credit and debit cards, and payment clearing services, including automated clearing house (ACH) and real-time payments. The company also provides banking and payment infrastructure for the crypto industry, including risk management services for its crypto clients.
 
 
 
 
 Key customers and partnerships 
 
 
 
 
 As of December 2020, the company had over 400 employees, and had entered into more than 30 partnerships. Moreover, as of March 2021, the platform had been used to support over 375,000 small businesses through the paycheck protection program (PPP).
 
 
 
 Cross River Bank teamed up with UK-based BaaS provider 
 <a href="https://sp-edge.com/companies/421515">
 Railsr
 </a>
 in January 2019 to launch a common API for their platforms to be used globally. As of April 2022, Cross River had over 80 clients including lenders such as Affirm, Best Egg, and Upstart, neobanks such as 
 <a href="https://sp-edge.com/companies/220119">
 Revolut
 </a>
 , and blockchain-based payment processing platform GreenBox. The platform reportedly originated over USD 24 billion in loans per annum, around 10x the value of loans it originated in 2015.
 
 
 
 
 Cross River Bank has expanded its operations by acquiring Betterfin, a platform offering lending-as-a-service (LaaS) solutions, in November 2021. Through the acquisition, Cross River Bank leveraged Betterfin’s software to digitize parts of the small-business lending process (such as origination and underwriting). 
 
 
 
 The company partnered with 
 <a href="https://sp-edge.com/companies/1643">
 American Express
 </a>
 (Amex) to enable FinTechs to issue credit cards through Cross River Bank, on the Amex network, while also providing select Amex benefits to the FinTechs. 
 
 
 Funding and financials
 
 
 
 
 The company 
 <a href="https://sp-edge.com/updates/9458">
 raised USD 620 million in funding
 </a>
 co-led by Eldridge and a16z, at a valuation of over USD 3 billion, to invest in product developments, recruitment, international expansion, and boosting strategic partnerships.
 
 
 
</div>

<div>
 
 Synctera was co-founded in 2020 by Peter Hazlehurst, the former head of Uber Money, who previously led the development of Google Wallet. The company offers an API-based infrastructure platform for community and regional banks to find and partner with FinTechs. This enables FinTechs to leverage the former&rsquo;s licenses to embed FDIC-insured mobile checking, debit cards, savings accounts, and payment innovations, among other features. The API platform offered to the banks will then be sold to the FinTechs to code on. Although the end customers interact with the FinTechs, they legally belong to the bank.&nbsp;
 
 
 <a href="https://sp-edge.com/updates/8117">
 Synctera mainly charges the banks
 </a>
 based on the interchange fees they earn (half of the interchange fees, as of January 2022) from the services provided. It does not charge them an initial amount to use the platform. Moreover, the platform also embeds fraud-as-a-service and charges FinTechs on a per transaction basis (4 cents per transaction) should they choose to use it. It subsequently shares that revenue 50/50 with the banks.&nbsp;&nbsp;&nbsp;
 
 
 
 
 The company launched the &ldquo;t-minus10&rdquo; project in January 2022, which offers a live sandbox for FinTechs to build apps, test, and go to market, enhancing their access to banking partners. It subsequently launched a &ldquo;Smart Charge Card&rdquo; (APIs to build, launch, and issue charge cards) and &ldquo;White-label Banking App&rdquo; (a codebase for developers to build embedded banking products or neobank apps) infrastructure in October 2022.&nbsp;
 
 
 
 
 Key customers and partnerships
 
 
 
 
 In February 2022, Lineage Bank (a community bank in Tennessee) and GoGetr (FinTech aiming to promote health and wealth management) became the first companies to launch a banking solution using the Synctera platform. As of March 2023, the platform was working with around 50 fintechs, of which 14 were live (including Wayapay and Float). Synctera reportedly had over 20 implementations set for launch in the following two months.&nbsp;&nbsp;
 
 
 
 
 Synctera announced a new card issuing and management infrastructure offering (Card-as-a-Service), in July 2021, which it developed in partnership with Mastercard and leading card issuing infrastructure disruptor, 
 <a href="https://sp-edge.com/companies/64287">
 Marqeta
 </a>
 .&nbsp;
 
 
 
 
 Funding and financials
 
 
 
 
 The company 
 <a href="https://sp-edge.com/updates/16980?industryIds=53">
 raised USD 15 million
 </a>
 in funding led by NAventures in March 2023, to invest in expanding the platform&rsquo;s use cases and broadening its geographic footprint beyond the US (including expanding to Canada). Meanwhile, Synctera has also partnered with the National Bank of Canada to enable companies to launch FinTech apps and embedded banking products in Canada. 
 
</div>

Synctera

<div>
 
 Based in the UK, Weavr, formerly known as Open Payments Cloud, was spun out of payment provider Ixaris in 2019. Weavr offers the infrastructure for enterprises to embed banking services across various industries, including education, fitness, logistics, etc. Weavr&rsquo;s &ldquo;Meta&rdquo; platform combines multiple banking and payments partners in one platform through application programming interfaces (APIs). Using the APIs, enterprises can embed virtual banking services such as card payments, fund transfers, and international banking accounts.&nbsp;
 
 
 
 Weavr expanded its operations to Singapore in November 2022, as part of its global expansion plans.&nbsp;
 
 
 
 
 Key customers and partnerships
 
 
 
 
 As of July 2021, Weavr&rsquo;s customers included Finway, Thanks Ben, and MySkillCamp, among others.&nbsp;
 
 
 
 
 In October 2019, Weavr partnered with payment service providers Global Processing Services (GPS), Paynetics, and iDenfy to enable developers to create and run sophisticated and streamlined payment experiences for their European customers through Weavr.&nbsp;
 
 
 
 
 Funding and financials
 
 
 
 Weavr 
 <a href="https://sp-edge.com/updates/8647?industryIds=53">
 raised USD 40 million
 </a>
 in Series A funding in February 2022, led by Tiger Global, less than a year after 
 <a href="https://sp-edge.com/updates/4166">
 raising GBP 4 million (USD 5.5 million)
 </a>
 in seed funding in July. The funds were earmarked for business development and recruitment to support Weavr&rsquo;s expansion to the US market, while also supporting its continued expansion in the UK and Europe. 
 
</div>

Weavr

<div>
 
 MX offers an open finance portal, data connectivity application programming interface (API), and MX platform API for banks, credit unions, and other financial service providers. The company’s solutions allow its clients to utilize financial data to reduce fraud, approve loans faster, and improve their customer experiences. In addition to APIs and connections, MX also offers a range of capabilities, including data aggregation, analytics, financial feed insights, wealth and investment services, and verification services. 
 
 
 
 
 MX looks to enable banks and financial institutions to launch next-generation services and apps that automate and personalize financial experiences. As of January 2021, the company noted that it worked with more than 2,000 banks, credit unions, and FinTech companies, and its platform reached over 200 million end-users. Moreover, it also powered 43 of the top 50 digital banks as of the same period. 
 
 
 
 
 In 
 <a href="https://sp-edge.com/updates/8753?industryIds=53">
 February 2022, MX partnered
 </a>
 with 
 <a href="https://sp-edge.com/companies/361160">
 Rize
 </a>
 , to enable users to access Rize’s banking infrastructure to build, launch, and scale financial products through a single API, thereby reducing the development time and cost.
 
 
 
 
 In January 2021, MX raised USD 300 million in a Series C funding round led by TPG Capital, at a valuation of USD 1.9 billion. The newly raised funds are to be invested in improving MX’s capabilities, expanding its global presence, and increasing its workforce. In January 2021, MX noted that its headcount tripled over the past two years, reaching 550 staff members. 
 
 
 
 
 The company appointed Shane Evans as interim chief executive officer (CEO) in January 2022, to prepare the company for an IPO or sale (at a valuation of over USD 5 billion) and oversee its growth. 
 
</div>

<div>
 
 Synapse offers a banking-as-a-service (BaaS) infrastructure primarily for banking and financial service providers. The infrastructure applies machine learning and automates repetitive back office tasks, covering a breadth of products, including deposit, lending, investment products, and payments platforms, among others. Its white-label infrastructure is available through application programming interfaces (APIs), allowing developers to launch customer-facing FinTech services.  
 
 
 
 
 In June 2019, the company claimed that its integrations allow developers and apps to reduce the incremental cost of operating financial products to zero, from around USD 130-USD 150. Moreover, its annual recurring revenue was estimated at around USD 20 million-USD 30 million in April 2020, and the company reportedly doubled its revenue in 2020 and saw a 150% revenue growth year-to-date July 2021. Notably, as of January 2021, Synapse had more than 7.8 million users and processed over USD 39 billion in transactions. 
 
 
 
 Synapse looks to broaden its global footprint by gradually entering Europe, Asia, Latin America, and Africa. As of June 2019, its operations were limited to the US; however, the company intended to begin its foreign expansion to Canada and Europe by initially launching payment, deposit, and debit card issuances, expanding to lending and investment products thereafter.
 
 
 
 
 In June 2020, the company laid off nearly half of its workforce across 11 departments owing to the Covid-19 pandemic. This was largely due to the pandemic having a negative impact on its customers, who primarily comprised early-stage startups. 
 
 
 
 The company expanded its platform by launching the “Credit Hub” offering in August 2021, for financial institutions to help individuals build and access credit, and offer cards, credit building tools, lending accounts, and cashback rewards. Synapse claims its platform enables users to build FinTech solutions in six weeks, compared to the 18 months taken by typical alternatives. The Credit Hub was in private beta until August 2021, and in private beta it had issued around 1 million credit accounts and extended over USD 40 million in credit. Moreover, the company also 
 <a href="https://sp-edge.com/updates/7574">
 partnered with TrueAccord
 </a>
 in January 2022 to offer debt collection service infrastructure for its clients.   
 
</div>

Synapse

Used for payment completions, accessing banking and transaction data, and providing financial insights, among others

May specialize in promoting inclusiveness in financial services, primarily in the investment and lending spaces

AI/ML can improve the quality of their offerings, such as using AI/ML to reduce biases

Platforms that allow FinTechs to integrate banking services such as opening and maintaining accounts, facilitating card payments, etc.


Cross River Bank

EDGE Insights

Anthony Peculic, Head of Cards at Cross River Bank, on building a fintech one-stop shop

SPEEDA Edge Funding Analysis: Mid-year 2022

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