Venture Lab Portfolio

Artoo Logo

Artoo provides a holistic customer relationship management solution (CRM) to improve the onboarding and assessment process for borrowers at microfinance and other lending institutions in India. Field staff are equipped with internet enabled tablets and smartphones that integrate seamlessly with the lender’s existing technology allowing for rapid biometric verification and paperless processing in the field as well as rich analytics for the client. By combining the power of mobile, cloud, and alternative data, Artoo is enabling these lenders to reach more poor and underserved customers than ever before.

AYE Finance Logo

AYE Finance is an innovative lender to micro and small businesses in India. It serves the “missing-middle” of small-scale manufacturing and services business that cannot access loans for business expansion and working capital from mainstream institutions. AYE focuses on defined “industry clusters” (e.g. shoes, brassworks, garments) to acquire and vet customers efficiently and at scale, thus speeding access to finance for this sector that is the engine of employment and income growth.

Clip Logo

Clip combines a card reader plug-in for smartphones with an innovative back-end risk management platform to enable nearly any merchant in Mexico to accept credit cards. Clip can transform the economics of card acceptance for the millions of micro- and small enterprises across Latin America that currently rely entirely on cash.

coda payments logo


Coda is a mobile-first alternative payment channel aggregator in Southeast Asia. Coda helps digital content providers monetize users that don't have a traditional payment card. Coda's specialty is direct carrier billing, allowing customers of the largest MNOs in Southeast Asia--including Globe in the Philippines, Indosat in Indonesia, and SingTel in Singapore--to make purchases using their existing pre- or post-paid mobile accounts. Coda also operates Codashop, where customers across Southeast Asia can purchase Steam Wallet Codes using a range of alternative payment channels.

Community Investment Management Logo

Community Investments Management is an investment advisor providing debt financing for the Small and Medium Enterprise (SME) segment of the US market. Though its investment funds, CIM finances SME marketplace loan originators and servicing agents and purchases loans it believes will achieve sound risk-adjusted returns for investors. CIM aims to address the massive gap between financing demand on the part of SMEs and financing supply from traditional commercial banks, by leveraging the tailwinds of the growing commercial marketplace lending space.

CreditMantri Logo

CreditMantri is an Indian financial advisory service that helps consumers that are underbanked, credit negative, or new to formal financial services learn about their credit scores and improve their financial health. The company uses an automated web platform and call center to help consumers easily access their credit reports, understand their credit scores, improve their creditworthiness, restructure outstanding debt, and get access to relevant products and services from lenders and financial institutions.

DemystData Logo


Demyst Data uses a proprietary technology platform to help financial institutions tap into the explosive growth of online, social and internal data to make better customer decisions. Using analysis of this “big data,” Demyst customers (including global banks, online lenders and card issuers) are better and more responsibly lending to “thin-file” and underbanked customers.

eMoneyPool Logo

eMoneyPool is an online platform for traditional savings groups (practiced widely around the world and known by various names like Tanda, Susu, ROSCA, chit fund, etc). Savings groups allow friends and family to save and borrow small amounts of money together. eMoneyPool automates the entire process through an online marketplace model, reducing group administration costs and time, enabling groups to be spread over wide geographical areas, and encouraging participants to form pools with those outside their immediate network.

 First Access Logo

First Access provides a credit scoring solution for microfinance institutions and other emerging market lenders using data from consumers’ prepaid mobile phone histories to assess applicant creditworthiness. In markets where the majority of consumers do not have formal or substantial credit histories, accessing and using alternative sources of data (like from a mobile phone) can provide critical additional insight to financial institutions, leading to cost savings, higher acceptance rates, and more rapid decision-making.

 Go Finance Logo

GO Finance is a Tanzanian-based alternative SME lender providing working-capital finance to small businesses in local product distribution value chains. The company leverages digital data and mobile money channels to more effectively underwrite and manage loans for the highly underserved SME market in East Africa.

 Intoo Logo

Intoo is an online credit marketplace for small and medium enterprises (SMEs) in Brazil. Using a proprietary platform, Intoo pools data from diverse sources to build credit profiles for businesses that typically do not have access to financing, and then connects them to a wide network of banks and financial institutions.

Konfio Logo

Konfio is an online lending platform that uses innovative credit algorithms and alternative data analysis to help micro-businesses in Mexico who do not have access to credit obtain affordable working capital loans. Konfio's entirely digital platform allows for low cost customer acquisition and rapid credit assessment which enables the company to offer lower rates compared to traditional brick and mortar lenders.

Kopo Kopo Logo

Kopo Kopo, based in Nairobi, is the world’s first mobile money merchant acquisition platform, making it easier for small merchants to accept mobile money from customers to purchase goods and services. Kopo Kopo has operations across Kenya, Tanzania, and Rwanda.

 Lendstreet Logo

Lend Street is a marketplace lending platform that allows consumers to restructure and refinance their distressed debt. By partnering with banks, collection companies, debt settlement agencies and others, LendStreet acquires and onboards borrowers that are currently in default, offering them a new loan financed through a marketplace platform with accredited and institutional investors. LendStreet enables borrowers to get out of debt settlement programs earlier, thus avoiding interest and fees on their defaulted debts and harassing calls from collectors and creditors, and allowing them to rebuild their credit.

 MeraDoctor Logo

MeraDoctor provides a comprehensive health protection product to low-income Indians, combining 24/7 “doctor-on-call” helpline services with health insurance products to protect its customers from poverty-inducing health shocks.

 Quippi Logo

Quippi aims to replace high-priced traditional remittances to families in Mexico with PIN-based gift cards redeemable at local retailers (grocers, clothing stores, convenience stores, etc.). By charging the retailers a fee, Quippi radically shifts the remittance business model, making cross-border value transfers free for senders and recipients.

Revolution Credit Logo

Revolution Credit is a unique platform which allows consumers to watch short and entertaining financial literacy videos to demonstrate and improve their financial capabilities – like a “Traffic School for Credit.” It allows financial institutions to identify more creditworthy customers, extending access to a wider range of financial services at better prices.

 Salud Facil Logo

Salud FÁCIL offers low-income customers access to affordable credit to cover their healthcare and medical costs in Mexico, addressing the need for quality and affordable care in a market in which few customers have access to traditional health insurance.

Street Shares Logo

Street Shares is an online Peer-to-Peer lending site that connects U.S. investors directly with small and medium sized business borrowers. It connects investors and borrowers from within the same communities (starting with veterans) through an innovative affinity-based marketing strategy and flexible online bidding platform.

 Umati Capital Logo

Umati Capital provides an invoice discounting solution aimed at addressing working capital shortages for SMEs in Kenya. The Company partners with upstream value chain processors and buyers to quickly and efficiently provide up-front cash to producers that are typically unable to secure financing from banks and other providers.

Varthana Logo

Varthana provides specialized loans and other support to affordable private schools in India, promoting access to and quality of education for India’s poor and emerging middle class.

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