Our capital is patient. Our entrepreneurs are purpose driven. Our portfolio companies are improving the world.

FinRebel

Broadridge Financial Solutions is the provider of investor communications and technology-driven solutions for wealth management, asset management, and capital markets firms. They help drive operational excellence to manage risk, accelerate growth and deliver real business value. Their combination of people, technology, and insights makes us an industry leader and the preferred partner for financial institutions and corporate issuers worldwide.  Because of their unique vantage point, working with institutions and regulators across the financial services landscape, the industry increasingly looks to Broadridge to identify key industry trends, best practices, and insights.

Broadridge

Morningstar provides independent investment research to investors worldwide.  It offers internet, software, and print-based products for individuals, financial advisors, and institutions. It also supplies asset-management services to advisors, institutions, and retirement-plan participants.  Morningstar was founded in 1984 and is headquartered in Chicago, Illinois.

Morningstar

J.P. Morgan Asset Management is an asset manager for individuals, advisors, and institutions. Their investment professionals are located around the world, providing strategies that span the full spectrum of asset classes. As one of the largest asset and wealth managers in the world, with assets under management of $1.7 trillion (as of December 31, 2014), they provide global market insights and a range of investment capabilities that few other firms can match.

J.P. Morgan Asset Management

Hamilton Lane is a private markets investment firm that serves institutional and private wealth investors worldwide. As of December 31, 2022, Hamilton Lane had $831.9 billion in assets under management and supervision, with $107.5 billion in discretionary assets and $724.4 billion in non-discretionary assets. Hamilton Lane specializes in developing adaptable investment programs that give clients access to a broad range of private market strategies, sectors, and geographies.

Hamilton Lane

Founded by Immigrant, For Immigrant Founders

Moontide Capital

Motive Partners is a sector-specialist investment platform with expertise, connectivity, and capabilities to create long-term value in financial technology businesses. It exists as an investment firm focused exclusively on financial technology to back and build the future of financial technology to positively transform markets, models, and society. The company was founded in 2016 and is headquartered in New York.

Motive Partners

Franklin Resources is a global investment management organization known as Franklin Templeton Investments. They have an extensive global presence, including offices in 35 countries and clients in more than 150. Their common stock is listed on the New York Stock Exchange under the ticker symbol BEN and is included in the Standard & Poor’s 500:registered: Index. Franklin Resources Inc. NYSE: BEN is an investment firm originally founded in New York in 1947 as Franklin Distributors, Inc. It is listed on the NYSE under the ticker BEN as in Benjamin Franklin, whom founder Rupert Johnson, Sr. admired. In 1973 the headquarters moved from New York to San Mateo, California. The firm specializes in conservatively managed mutual funds. It offers products under the Franklin, Templeton, Mutual Series and Fiduciary brand names. Like other large investment companies, the firm offers a wide variety of funds but is traditionally best known for bond funds under the Franklin brand, international funds under the Templeton brand, and value funds under the Mutual Series brand.

Franklin Templeton

TIFIN

TIFIN AMP is an AI platform that will modernize distribution for asset management companies.

The world's first financial personality test, matching people to investments and advice.

Arbor is a 360 degree financial wellness platform helping users to save, invest and cut debt through an easy to use and free to download app. Our purpose is clear, to improve our users financial wellness. Arbor integrates with the user's existing banks which means they don't even have to change banks! Users create personal saving goals to enhance the saving, investment or debt freedom experience, tracking their progress effortlessly through the app

TIFIN is a platform that conceives, creates, and operates fintech companies in the areas of wealth management, investments, and personal finance. Their operating companies are shaping the future of investor experience with intelligent products that recognize the uniqueness of each investor. TIFIN leverages the combined power of investment intelligence, data science, and technology to make investing a more powerful driver of financial well-being.

TIFIN is a FinTech platform with a range of offerings such as personalized wealth management services, AI-based investing platforms, and software solutions for asset/wealth management firms. Its key offerings include Magnifi, an intelligent search-powered marketplace for investments; TIFIN Wealth, an AI platform for personalized client engagement by advisors and wealth managers; TIFIN AMP, an AI-driven distribution platform for asset managers; and several other FinTech solutions spanning charitable giving, private markets, workplace financial wellness and more.

Helping employers provide personalized, high-touch, and holistic financial wellness tools to their entire workforce.

Financial Wellness Tools

TiFin sells stake in Paralel Technologies

JP Morgan Chase

J.P. Morgan and TIFIN launch of TIFIN.AI, an initiative described as a "thematic innovation platform designed to launch companies that provide B2B AI assistants for better wealth outcomes

Providing AI-driven market intelligence and workflow automation to give firms an edge

Capital Markets Tech

Platforms that help financial market participants collect, manage, and use traditional and alternative data, derive market insights from news, and provide trade signals to make informed decisions.

TIFIN AMP

Motive Ventures

Positivly

Arbor Fintech

Apex Capital Partners

TIFIN is a FinTech platform with a range of offerings such as personalized wealth management services, AI-based investing platforms, and software solutions for asset/wealth management firms. Its key offerings include Magnifi, an intelligent search-powered marketplace for investments; TIFIN Wealth, an AI platform for personalized client engagement by advisors and wealth managers; TIFIN AMP, an AI-driven distribution platform for asset managers; and several other FinTech solutions spanning charitable giving, private markets, workplace financial wellness and more.In January 2024, TIFIN launched TIFIN@Work, an AI-powered conversational platform for helping individuals achieve financial wellness in their workplaces, delivered in partnership with their plan advisors. It also helps employees automate savings from their paychecks.In November 2022, the company acquired Challenger Finance, a provider of an automatic payroll deduction emergency savings account offered through employers as a financial wellness benefit. Challenger Finance's offerings are now offered under the TIFIN@Work brand.Key customers and partnershipsAs of March 2024, JL Audio, Western Union, VMP, Tristar, and IZEA were among TIFIN@Work’s notable customers.

Based in the UK, Salary Finance offers a comprehensive suite of financial well-being benefits for employees. The company partners with employers to offer a platform that provides employees with access to a range of financial well-being products, including salary-backed loans, earned wage advances, savings accounts, and customized educational resources to help them build and automate savings as well as improve their overall financial well-being.In April 2024, the US operations of Salary Finance merged with the financial wellness benefit platform <a href="https://sp-edge.com/companies/609722">Finfit</a>. The combined entity now operates under the FinFit brand in the US.Key customers and partnershipsAs of February 2024, the platform was used by 600 employers across the UK, available to more than 4.5 million employees. These include more than a fifth of the companies in the FTSE-100 index. Its notable customers include the NHS, Dunelm, Virgin Active, and Simply Health.Salary Finance partnered with the American financial technology company Chime in July 2021, to launch Save—a new product to incentivize US employees to set up a salary-linked savings account with Chime, and become entitled to a USD 50 bonus and a variable Annual Percentage Yield (APY) of 0.50%.

Salary Finance

Payactiv offers a financial wellness solution, centered around "Earned-Wage Access," allowing employees to access their wages before payday. Employees can instantly access funds for hours worked, with options to transfer to their bank, load onto a Payactiv card, or withdraw cash at Walmart. Its app works as a digital wallet and includes additional features such as AI and machine-learning-based tools for budgeting, tracking savings, managing spending and bills, and obtaining personalized one-on-one financial coaching from trained professionals.The Payactiv app also features a free communication tool—Payactiv Connect—that enables employers and employees to connect for HR communications, company news, alerts, and shift scheduling.Key customers and partnershipsAs of November 2023, PayActiv’s platform was used by employees at over 4,000 businesses from industries such as retail and food services across the US, with some customers in Canada, Australia, the Philippines, and Brazil. Its clients include Walmart, Wayfair, Ibex Global and several others. It also entered into a partnership with US Bank in February 2022, where users of prepaid US Bank Focus Cards for payroll will be able to access their wages early.The company also has working partnerships with payment processors such as <a href="https://sp-edge.com/companies/23004">Fiserv</a> and <a href="https://sp-edge.com/companies/13061">Visa</a> to enable real-time transfer of earned wages to bank accounts of employees.

PayActiv

Based In the UK, Wagestream provides a financial wellness platform, offering a range of services including earned wage access, financial education, tools for savings, and pay and spend tracking. Wagestream’s tools are offered to employees through a mobile app, with an analytics platform for employers to monitor participation and financial resilience of staff.Employees can access their earned wages using the app by paying a flat fee of GBP 1.95 (USD 2.50) per withdrawal. The company’s platform has integrations with several payroll and timekeeping systems, enabling organizations to deploy Wagestream into their payroll process.Wagestream acquired 1) Australian earned-wage access startup Earnd in March 2021 to enter into the Australian market. 2) a credit card startup Keebos, in October 2023, to integrate Keebos credit score building platform (that uses open banking data) with Wagestream’s core offerings.Key customers and partnershipsAs of February 2024, Wagestream had a global user base of more than 3 million, which included more than 1,000 corporate customers in industries such as the retail, hospitality, and healthcare sectors. The company has offices in the US, UK, Spain, and Australia and some notable employers include Burger King, Pizza Hut, Crate &amp; Barrel, Bupa, University of Chicago, Popeyes, and National Health Service UK.The company also partnered with French Insuretch provider Wakam in August 2023, to introduce income protection coverage to its users.

Wagestream

Cleo offers tools for budgeting, and provides personalized spending and savings advice by connecting to a user's bank account and applying machine learning algorithms to analyze spending habits and transaction history. The app also provides access to an interactive chatbot which users can query to obtain on-demand suggestions (which has been supported by an in-house large language model since 2023).&nbsp;The platform also offers additional features such as a secured card to build credit score, direct debits, and salary advances.Cleo operates a subscription-based pricing on its budgeting and savings tools, with fee-based pricing on its cash advance offerings targeted at gig workers and workers with poor credit. The platform charges monthly subscription fees in the range of USD 1.99 - 5.99 on Cleo Plus offering and charges USD 10.99-14.99 on Cleo build offering.Cleo’s target market is the Gen-Z segment of the population and as of October 2023, the company had 7 million users, (up from 4 million in December 2020) and had USD 72.3 million annual recurring revenue (which was up 2.4x YoY)

Cleo

FinFit offers a financial wellness benefit platform for employers that uses predictive AI, and includes tools for employees to budget, track spending, set savings goals and obtain personalized financial assessments. The platform also provides access to certified financial counselors to obtain one-on-one financial advice. In addition to financial coaching, the company also offers services such as tools to manage student loan debt, get early access to earned wages, and obtain low-cost short-term loans backed by the employee’s salary. In April 2023, Fitfit merged with the US operations of UK-based financial wellness platform <a href="https://sp-edge.com/companies/342361">Salary Finance</a>. The two companies aim to launch a combined platform in the US under the Finfit brand.FinFit operates a subscription-based pricing model, and charges employers in the range of USD 0.30–1.00 per employee per month based on the size of the organizations and number of employees. The platform also generates revenue through interest income by charging users interest in the range of 7.9%–24.9% APR on its loans. It charges fixed interest on its lines of credit.As of March 2024, FinFit was reported to be serving more than 500,000 employees (up from 150,000 in 2020).Key customers and partnershipsIn September 2024, FinFit <a href="https://sp-edge.com/updates/33696">partnered with</a> <a href="https://sp-edge.com/companies/945256">Sunny Day Fund</a>, a financial support platform, to offer emergency savings accounts for employees through its SafetyNet platform. In August 2024, FinFit <a href="https://sp-edge.com/updates/32581">partnered with</a> <a href="https://sp-edge.com/companies/493140">isolved</a>, a human capital management platform, to expand product reach.

FinFit

Offers interactive platforms or apps for employers to provide personalized financial advice to its employees. These also include tools for budgeting, tracking earnings, and managing expenses.

Provides a platform for employers to offer its employees an alternative to payday loans. Can either be early access to wages already earned or emergency access to interest-free funds which are settled through the paycheck.

Provides a platform for employers to provide resources such as tools and advice to manage employee debt (with an increased focus on student loan debt).

Consumers can use these applications to obtain personalized financial advice, automate savings, create budgets, and track and manage their spending.

Operates a B2B SaaS model to support employers with offering various fringe benefits to employees

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 TIFIN, a platform that provides personalized wealth management services, AI-based investing platforms, and software solutions for asset management firms, recently appointed Brooke Juniper as the CEO of Sage, its AI-driven investment platform. Brooke Juniper boasts an extensive finance and technology background, having spent 16 years at BlackRock where she held positions such as the head of digital engagement and the co-founder of the US Wealth Portfolio Solutions Group. 
 
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TIFIN

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