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Skeps opens more doors at checkout
One credit application. Several lenders looking at once. Skeps puts financing inside the purchase decision, giving merchants more ways to keep a sale moving.
Cermati Fintech Group opens the next door
A bank account is only the beginning. Cermati built an Indonesian financial marketplace, then moved into the machinery that makes credit, insurance and investing accessible.
Uzum’s $500 million answer to a broken online order
Uzbekistan’s digital commerce group has put more than $500 million into infrastructure. Its bet: a shopping app becomes far more useful when the warehouse, the payment and the loan work together.
Sunbit Bet That the Best Place to Approve a Loan Is the Dentist's Chair
The Los Angeles fintech approves about nine of ten shoppers for the purchases nobody plans for - car repairs, root canals, new glasses, the dog's surgery - and charges no fees of any kind. Here is how a rejected loan application became a billion-dollar company.
The Payment Company That Fits in a Merchant's Apron Pocket
Once called Cashlez, cashUP rebuilt itself around a simple idea: the smallest shop and the biggest retail chain should accept money the same way. Here is how an IDX-listed payments firm is betting its next chapter on hardware, licenses, and a hard turn toward B2B.
RentFlow
RentFlow is a New York fintech, part of Y Combinator's Summer 2024 batch, that builds a 'Buy Now, Pay Later' layer for commercial rent. It pays landlords their full rent on the 1st of the month, then lets business tenants repay in smaller installments synced to their real cash flow. The company pairs payments infrastructure with AI underwriting that reads transaction-level and behavioral signals to price flexibility, aiming to keep otherwise-healthy small and medium businesses from being pushed into default by a single fixed lump-sum bill.
Sivo
Sivo is a debt-as-a-service platform that lets fintechs, neobanks and platforms lend money to their users at scale without raising their own debt capital. Founded by serial operator Kate Hiscox and part of Y Combinator's Winter 2021 batch, Sivo pitches itself as a 'Stripe for debt' - turning a debt facility that traditionally takes months to close into an API call. It has since expanded into instant payouts, embedded capital, and tokenized real-world receivables.
Fluid
Fluid is a Singapore-based B2B payments platform that lets suppliers and marketplaces offer their business buyers flexible credit terms and installments at the point of purchase. Its AI underwriting engine approves buyers in seconds, pays suppliers on day one, and automates reconciliation - bringing consumer-grade buy-now-pay-later mechanics to business commerce across Southeast Asia. Founded in early 2023 by former Atome and Uber operators, Fluid has raised US$7M and serves 3,000+ businesses across Singapore and Malaysia.
MNT-Halan
MNT-Halan is an Egyptian fintech that digitally banks the unbanked and underbanked across emerging markets. Founded by Mounir Nakhla, it combines microfinance, consumer and business lending, buy-now-pay-later, mobile wallets, payments and an FMCG/appliance e-commerce marketplace into a single app, all powered by its proprietary Neuron core-banking technology. It became Egypt's first fintech unicorn in 2023 and now operates across Egypt, Turkey, Pakistan and the UAE, having disbursed billions of dollars in loans to millions of customers.
NymCard
NymCard is an Abu Dhabi-based embedded finance and payments infrastructure company that lets banks, fintechs, telecoms and enterprises launch and run card programs, lending and money-movement products through a single API-first platform called nCore. Founded in 2018 by Omar Onsi, it owns its issuing and switching technology rather than licensing it, is licensed by the Central Bank of the UAE, and is a certified partner of Visa and Mastercard across the Middle East, North Africa and Pakistan.
SuperAtom Fintech
SuperAtom Fintech is a Singapore-based financial technology company founded in 2018 as a spin-off from Cheetah Mobile. It builds digital lending and buy-now-pay-later products for underserved and unbanked consumers in emerging markets, using AI and big data to approve and disburse small, collateral-free loans quickly. Its flagship product UangMe operates in Indonesia under an OJK license, and the company has expanded toward the Philippines and Latin America with its Peso Chido brand. SuperAtom reports around 9 million registered users and over US$684 million in cumulative loan disbursements.
ChargeAfter
ChargeAfter is a fintech company that runs an embedded lending platform and multi-lender network for point-of-sale financing. Through a single integration, merchants and banks can offer shoppers personalized Buy Now Pay Later and installment options across the full credit spectrum, using a real-time waterfall engine that routes declined applications to alternative lenders to lift approval rates. Founded in 2017 by Meidad Sharon and headquartered in New York with R&D in Tel Aviv, it serves enterprise merchants and tier-one banks including partnerships with Visa, Citi, Wells Fargo and Synchrony.
BlueTape
BlueTape is a payments and financing platform built for the construction industry. It gives material suppliers, manufacturers, dealers and contractors the tools larger firms take for granted - trade credit, net terms up to 120 days, buy-now-pay-later for building materials, automated accounts receivable, factoring, early-payment programs and lines of credit. The goal is simple: help small and midsize construction businesses get paid faster, sell more, and finance the materials they need without the paperwork and cash-flow crunch that has long defined the trade.
Cherry
Cherry is a San Francisco fintech that lets healthcare and wellness practices offer patients buy-now-pay-later financing at the point of care. Founded in 2019 by Felix Steinmeyer and Charles Mourani, the company underwrites loans up to $50,000 in under 60 seconds with a soft credit pull, pays providers upfront, and is used by more than 60,000 practices across dental, medical aesthetics, dermatology, optometry and veterinary care.