Breaking
Profile

Hannah
Chelkowski

Co-Founder & General Partner - Blank Ventures

A native Londoner who once balanced European gas portfolios for Total S.A. now runs a $65M fintech seed fund from San Francisco. The pivot took five years, two firms, and exactly the kind of counterintuitive background that makes for a sharper investor.

Blank Ventures $65M Fund Fintech & Commerce Pre-Seed / Seed
Hannah Chelkowski, Co-Founder and General Partner at Blank Ventures
"Every great story starts with a blank page." - Blank Ventures
$65M Fund Size
13+ Portfolio Cos.
1 Unicorn Backed
2022 BI Rising-Star VC

From Gas Portfolios to Cap Tables

In 2013, Hannah Chelkowski was in London running risk models for European gas and power markets at Total S.A. She was mapping energy demand curves, balancing commodity portfolios, and building the kind of analytical machinery that turns chaotic data into defensible forecasts. It was not a typical route to venture capital.

That detour turns out to matter. When most early-stage investors are stress-testing startup unit economics, Chelkowski is pattern-matching against an entirely different register - the dynamics of large, regulated, capital-intensive systems where friction is the moat and the cost of being wrong is measured in hundreds of millions.

She arrived in San Francisco around 2017, landing as an analyst at Initialized Capital before moving to Inovia Capital in 2018. Three years at Inovia meant deal sourcing, board seats, and a front-row seat to how early-stage Canadian and American founders rebuild financial infrastructure. She left in 2021 to co-found Blank Ventures with Antoine Nivard and Abhi Tiwari.

Blank Ventures launched as a deliberate bet on concentration. A $65M fund. A short portfolio. A thesis planted squarely at the intersection of fintech and commerce - not broad B2B SaaS, not consumer payments, but the specific territory where money moves through trade.

I've always been motivated by economic development and how technology can revolutionize societies and promote sustainable growth.

- Hannah Chelkowski

Quick Facts

Based San Francisco, CA
Origin London, UK
Firm Blank Ventures
Stage Focus Pre-Seed / Seed
Check Size $500K - $2M
Geography USA & Canada
Education BSc Economics & Finance, Univ. of Brighton
Credentials CFA Level I & II

Career

A Line From Energy Desks to Seed Checks

2013 - 2016
Gas & Power Risk Manager - balanced European commodity portfolios, forecasted energy demand, built quantitative risk models
Total S.A. - London
2017
First venture role - analyst position in the Bay Area, learning the mechanics of early-stage investment
Initialized Capital - San Francisco
2018 - 2021
Investor - deal sourcing, due diligence, board positions, helping portfolio companies build operating models and governance frameworks
Inovia Capital
2021
Co-founded Blank Ventures - a deliberate step toward concentration and ownership over a $65M specialist fintech fund
Blank Ventures - San Francisco
2022 - Present
Co-Founder & General Partner - running the full cycle: sourcing, decision, conviction, support. Named to Business Insider's 71 Rising-Star VCs in 2022.
Blank Ventures
The Background That Sticks

Before writing VC checks, Chelkowski was modeling demand curves for European gas markets - tracking how regulatory shifts in Warsaw or pipeline disruptions in Ukraine would ripple through commodity portfolios. The discipline of identifying where friction lives in large systems transferred directly to evaluating fintech infrastructure plays.

The Agree.com Moment

When evaluating Agree.com, a contract management startup, Chelkowski was the only investor who proactively signed up for the platform, uploaded a term sheet using the product itself, and sent it to the founders to invest. She used the product she was backing to back it. That detail has circulated among founders as a signal of how she operates.

Investment Thesis

Where Fintech Meets Commerce

Blank Ventures does not invest in broad fintech, consumer payments, or general B2B software. The thesis is precise: the territory where financial infrastructure and commerce intersect - where money moves through trade, procurement, logistics, and the digital economy.

🤖
Agentic Commerce
The behavioral shift from consumer choice to AI delegation is rewriting product discovery, procurement, and the entire B2B buying journey. Blank backs the infrastructure making this transition programmable.
🔍
Semantic Search
Product catalogs are being re-architected for AI-native discovery. The firms rethinking how inventory speaks to language models are building durable competitive positions at the point of purchase.
📄
Programmable Money
Capital flows and liquidity tooling for SMBs. The gap between how large enterprises move money and what's accessible to smaller operators is a structural opportunity that hasn't fully closed.
🚚
Dynamic Tariffs
Duty optimization and supply chain resilience tooling in a world where trade policy is volatile. Founders building adaptable infrastructure here are ahead of a wave that's already arrived.
🌐
Personalization at Scale
AI-driven experiences for regulated industries - insurance, financial services, healthcare payments - where personalization was previously impossible due to compliance constraints.
What Blank Does Not Back
Consumer fintech. Individual payment apps. Broad B2B SaaS outside fintech/commerce context. The fund's precision is a feature. Saying no clearly makes the yes more valuable.
Portfolio

Companies Backed

A concentrated selection of fintech and commerce founders - across Blank Ventures and prior roles at Inovia Capital and Initialized Capital.

Neo Financial
Backed at Inovia
🦄 Unicorn
Spotnana
Backed at Inovia
1Password
Backed at Inovia
Certn
Backed at Inovia
Agree.com
Blank Ventures
Caspian
Blank Ventures
Receive
Blank Ventures
Refine
Blank Ventures
Seeds
Blank Ventures
Koya
Blank Ventures
Melrose
Blank Ventures
Narrative
Blank Ventures
Novella
Blank Ventures
Blok
Blank Ventures
OpenLedger
Blank Ventures
Exit
LP Network

The LP Base as a Go-To-Market Asset

Chelkowski describes the Blank Ventures LP base as an "eclectic board" - a deliberate construction. The logic: if your LPs are the right people, the check isn't the most valuable thing you give a founder.

🏢
Financial Institution Executives
C-suite operators from major banks and asset managers who can open distribution channels, provide regulatory context, and serve as potential enterprise customers for portfolio companies from day one.
🚀
Billion-Dollar Startup Leaders
Operators from scaled startups who understand what it takes to grow through inflection points - and who can provide warm introductions into the ecosystems that matter for a fintech founder.
🌎
Global Family Offices
Long-horizon capital with access to international markets and distribution networks - particularly valuable for Blank portfolio companies with cross-border commercial ambitions.
Close-Up

The Investor Who Uses the Product

Hannah Chelkowski at Blank Ventures
Hannah Chelkowski, Co-Founder & GP at Blank Ventures - San Francisco, CA

The Agree.com story has made rounds in fintech founder circles, and for good reason. When Hannah Chelkowski was evaluating the contract management startup, she didn't just read the deck. She signed up, uploaded a term sheet using the actual platform, and sent it directly to the founders as her way of investing. She was the only investor to do this.

It's a small detail with a large implication. The investors worth knowing are the ones who are curious enough to use what they're backing - who test the product before they price the round, who have a view on the UX before they have a view on the multiple.

The move wasn't performative. It was her due diligence process made visible. And the founders noticed.

This is also why Chelkowski keeps her LinkedIn DMs open and invites founders to submit decks directly - an unusual posture for a GP running a concentrated specialist fund. The logic: founders doing something genuinely new rarely find you. You have to make yourself findable.

The willingness to move at founder speed - to skip the gatekeeping ritual, test the product, submit the term sheet - is not a feature of inexperience. It's a deliberate operating style that Chelkowski has maintained from Initialized to Inovia to Blank.

Recognition

In the Record

Business Insider
71 Rising-Star VCs Who Shook Up the Industry in 2022
December 2022 - Named to the annual list, which featured more women than men for the first time in its history
Forbes
How To Raise A VC Fund: 15 Tips From Women Who Have Done It
Featured as a co-founder who successfully raised institutional capital for Blank Ventures
LinkedIn / Frederick Daso
Profiles in Venture: Inovia Capital's Hannah Chelkowski
2020 - Profile examining her path from corporate finance to venture investing
Qwoted Media
On-Record Source for Fintech & VC Commentary
Ongoing - active media source for questions on fintech investing, AI in financial services, and early-stage fundraising
Writing & Ideas

Thinking Out Loud

During her time at Inovia Capital, Chelkowski published investment theses and sector analyses on Medium - examinations of restauraunt tech, last-mile logistics, identity infrastructure, and AI compute that read as sharp early calls on durable market shifts.

2021
Back in Business: How ResQ is Helping the Restaurant Industry
Post-pandemic recovery through the lens of vertical SaaS in a battered sector
2021
Rethinking Last-Mile Logistics as the eCommerce Boom Continues
Delivery infrastructure and the structural gaps that Covid made impossible to ignore
2019
Accelerating AI with Computational Storage
An early look at AI infrastructure bottlenecks before they became the central conversation in tech
Education

The Foundations

BSc Economics & Finance
University of Brighton
Graduated circa 2013

The academic foundation that gave her framework for analyzing market structure, demand forecasting, and financial modeling - skills that translated directly into energy risk work and, later, venture investment thesis construction.

CFA Program - Level I & II
CFA Institute
Ongoing pursuit of full designation

Voluntary pursuit of professional certification signals something specific: a continued investment in financial rigor even after the career move to venture, where most investors stop thinking in CFA terms.

How She Operates

Working Style

Founder-Accessible
Keeps LinkedIn DMs open and invites direct deck submissions - unusual for a GP running a concentrated specialist fund, and a deliberate signal to the founders she wants to meet.
Product-First
The Agree.com move - signing up, uploading a term sheet, using the product to invest in it - captures a pattern. She tests what she considers backing. The product review is part of the diligence.
Concentrated Conviction
A $65M fund with a short portfolio isn't a limitation. It's a commitment to depth over breadth - to maintaining the attention and access that early-stage founders actually need from an investor.
Analytically Rigorous
Honed on European commodity risk models. Trained to identify where the data ends and the assumption begins - a habit that makes for sharper due diligence on fintech unit economics.
Candid on Hard Topics
Chelkowski has spoken about "living dead" investments - companies self-sustaining but not venture-scale - as a topic the industry avoids. She'd rather talk about it than manage around it.
Network Architect
The LP base construction - C-suite from financial institutions, billion-dollar startups, family offices - is deliberate. The goal isn't just capital. It's a distribution network that activates from the first check.
Fun Facts

The Side Notes

📶
Native Londoner who swapped European energy trading floors for San Francisco startup culture. The accent reportedly stays.
🧗
Personal interests include yoga, music, technology, design, and following art trends - the kind of mix that tends to produce sharper pattern recognition across consumer behavior.
📄
The Blank Ventures tagline "Every great story starts with a blank page" doubles as a philosophy: the partners believe the best companies are not built from templates.
At Inovia, she wrote early investment theses on restaurant tech, last-mile logistics, and AI compute - research that reads as ahead-of-curve from where the market has since landed.

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