InCred Revenue, Valuation, Funding & Investors

Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.

Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has four operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions, Mexico segment offers lease-to-own stores in Mexico. The The Brigit segment offers various financial health products and tools to help users improve their financial health. The company derives a majority of its revenue from the Acima segment.

iCred is a São Paulo-based fintech platform enabling personal credit and payroll-deducted loans through fully digital interfaces. Its API integrates with corporate payroll systems and business platforms, allowing instant approvals and disbursements for employees in Brazil.

51 Credit Card Manager is a Hangzhou-headquartered developer of mobile applications for credit card bill management in China. Launched in 2012, the app tracks transactions, due dates, and payments for major banks like ICBC and China Construction Bank. It serves millions of users with features like spending analytics and reminder alerts, available on iOS and Android stores.

China Rapid Finance is an online consumer lending marketplace that connects borrowers and lenders to serve China's emerging middle class, particularly people without access to traditional bank credit. Founded in 2001 by Zane Wang, the company built proprietary Automated Credit Decisioning and Risk Based Pricing technology to approve loans quickly based on assessed credit risk. It has facilitated millions of loans and helped Chinese banks issue more than 100 million credit cards, building a multi-data, multi-channel lending platform for underserved consumers.

Clara is a spending management platform for Latin American businesses, issuing local corporate cards, bill payment solutions, and financing alongside software with artificial intelligence insights for detecting duplicate subscriptions and spending patterns to boost financial efficiency.

DataSnipper is an AI-powered automation platform integrated into Excel for financial audits, headquartered in Toronto, Canada. The tool accelerates document review, data extraction, and verification processes for accounting firms and enterprises, reducing manual effort in due diligence and compliance workflows through intelligent matching and analysis features.

FreshBooks is a cloud-based accounting platform designed for business owners managing invoicing, expenses, payments, and client interactions. The service supports users in over 160 countries from offices in Canada, Croatia, Mexico, the Netherlands, and the United States. FreshBooks delivers award-winning customer support alongside features for time tracking and financial reporting. Its intuitive interface caters to freelancers, agencies, and small enterprises streamlining bookkeeping processes.

Payhawk is a spend management platform serving businesses in over 32 countries across Europe, the US, and UK. It unifies corporate cards, expense reimbursements, accounts payable, and integrations with accounting tools like QuickBooks and Xero. The Sofia-headquartered firm maintains offices in London, Berlin, Barcelona, Paris, Amsterdam, Vilnius, and New York, with clients including LuxAir, Babbel, Vinted, Wallbox, and Wagestream.

Perfios Software Solutions is a Bengaluru-headquartered SaaS provider powering financial services with data intelligence platforms. It offers account aggregation, credit decisioning, and collections analytics for banks, NBFCs, and insurers across lending and insurance sectors. The company processes vast datasets to enable real-time risk assessment and customer onboarding in India and Southeast Asia, holding a leading position in the fintech analytics market.

Rillet is an AI-powered ERP system tailored for SaaS companies with intricate revenue streams, automating revenue recognition under GAAP and ASC 606 standards. The platform handles invoicing, bank reconciliations, expense accruals, and multi-entity consolidations across currencies and geographies. Rillet's real-time metrics dashboard tracks ARR, MRR, and churn, integrating with Stripe, QuickBooks, and NetSuite for seamless data flow. San Francisco-based, it streamlines month-end closes for high-growth subscription businesses.

Taxfix is a Berlin-headquartered platform processing over 6 million tax returns across Germany, France, and Belgium. Brands like Taxfix app for self-filing, Steuerbot for AI guidance, and TaxScouts for advisor-assisted services cover Einkommensteuer and local deductions. Founded in 2017, the group expands with expert networks in multiple countries.

Xforceplus is a Beijing-headquartered SaaS provider of cloud-based supply chain collaboration and invoice management solutions. The platform covers supply chain settlement, real-time electronic accounts, tax reporting, analysis, and electronic invoicing. Serving over 100,000 enterprises in China, it boosts tax revenue efficiency, capital flow, and financial security for businesses.

Qfin Holdings Inc Formerly Qifu Technology Inc is a Credit-Tech platform in China. It provides credit services more accessible and personalized to consumers and SMEs through Credit-Tech services to financial institutions, whereby it deploys its technology solutions to help financial institutions identify the diversified needs of consumers and SMEs, effectively access prospective borrowers that are creditworthy through multi-channels, enhance credit assessment on prospective borrowers, and manage credit risks and improve collection strategies and efficiency, among others.

Happy Money is an Irvine-headquartered fintech company that originates personal loans through partnerships with community banks for debt consolidation, home improvements, and other purposes. Founded in 2013 under the name Payoff, the firm rebranded to Happy Money in 2021 to emphasize borrower financial wellness. Its online platform assesses credit profiles to match users with suitable loan offers from lenders across the United States. Borrowers access automated payment plans that prioritize high-interest debt payoff while reporting activity to credit bureaus for score improvements. Happy Money serves customers nationwide with a focus on those transitioning from credit card reliance to savings habits.

Juniper Square is a San Francisco-headquartered software platform for private market fund managers providing investor portals, CRM, automated accounting, and compliance tools. It streamlines fundraising through digital subscription documents, wire tracking, and performance reporting for real estate, private equity, and venture funds. The company serves over 1,000 firms managing $3 trillion in assets with AI-powered insights and mobile access for investor relations.