Oriente Valuation, Funding & Investors

Green Dot Corp is a financial technology company that provides financial services for consumers in the United States without good banking options. It has three segments Consumer Services, Business to Business Services(B2B), and Money Movement Services. The company generates maximum revenue from B2B segment. Its B2B Services segment consists of revenues and expenses derived from (i) its partnerships with prominent consumer and technology companies that make banking products and services available to their consumers, partners and workforce through integration with its banking platform (the "Banking-as-a-Service", or "BaaS channel"), and (ii) a comprehensive payroll platform that it offers to corporate enterprises (the "Employer channel") to facilitate payments for today’s workforce.

Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.

Nomad is a financial technology business providing international accounts, payment cards and investment services to Brazilian customers. Its platform supports foreign-currency balances and access to US investment products through partner financial institutions and regulated service providers. Nomad serves Brazilians who are not US residents and states that it is a fintech rather than a bank.

LendingTree Inc. is a U.S.-based company that mainly operates an online loan marketplace. The company offers online tools and resources to help consumers find loans or other credit-based products, including mortgage loans, reverse mortgages, home equity loans, personal loans, auto loans, credit cards, student loans, small business loans, and various related products. It provides consumers with direct access to a wide array of lenders. The company has three reportable segments: Home, Consumer, and Insurance. It generates match fees by connecting consumers with lenders and closing fees from lenders when a transaction is finalized. The company conducts business solely in the United States.

slice is a Bengaluru-based digital banking platform in India offering UPI-linked credit cards, savings accounts, fixed deposits, and instant loans. Its app supports ATM withdrawals via UPI and seamless fund transfers. Launched in 2016, slice serves urban millennials with no-fee banking and rewards on spends at partners like Swiggy and Zomato.

Addi is a Bogotá-headquartered fintech company offering buy-now-pay-later credit solutions integrated into retail point-of-sale systems across Colombia. Users apply for instant credit approvals during checkout at partner stores and repay in interest-free installments over three to twelve months. Backed by investors like Kaszek Ventures, Addi serves over 1,000 merchant partners including Falabella and processes millions in transaction volume annually.

Younited Financial SA is a specialized credit institution and investment services provider supervised by the ACPR and AMF in France, under the oversight of the ECB. By leveraging its powerful technology platform with open banking, modern APIs and artificial intelligence, Younited has built an efficient and scalable pan-European consumer credit platform to transform the European consumer loan market and help households reach financial well-being.

Atom Bank is a Durham-headquartered digital-only bank in the United Kingdom offering personal savings accounts, fixed-rate bonds, mortgages, and business loans through its iOS and Android app. Customers authenticate via facial recognition, voice biometrics, and fingerprint, with 24/7 support from UK-based teams. Atom Bank utilizes Temenos core banking and issues FSCS-protected deposits up to £85,000. Authorized by the Prudential Regulation Authority in 2016, it serves over 100,000 customers nationwide.

goeasy Ltd is a financial services company. The principal operating activities of the company include providing loans and other financial services to consumers and leasing household products to consumers. Customers can transact seamlessly through an omnichannel model that includes online and mobile platforms. The company operates in two reportable segments: easyfinancial and easyhome. A majority of its revenue is generated from the easyfinancial segment, which lends out capital in the form of unsecured and secured consumer loans to nonprime borrowers. This segment offers unsecured and real estate secured installment loans and also specializes in financing consumer purchases in the powersports, automotive, retail, healthcare, and home improvement categories.

Neo Financial is a Calgary-headquartered fintech firm founded in 2019 that delivers credit cards, savings accounts, and cashback rewards to over 1 million Canadian customers. Its Mastercard-branded credit card, issued by Alberta Treasury Branch, features up to five percent cashback on groceries and gas. The high-interest savings account through Concentra Bank offers CDIC protection up to $100,000 and rates exceeding four percent. Neo processes billions in annual transaction volume with real-time analytics via its mobile app.

LendUp is an Oakland-headquartered online lender offering short-term installment loans and credit cards to underserved U.S. consumers with poor credit or irregular incomes. Its Ladder program reports on-time payments to TransUnion to build credit history. Available in 27 states since 2015, LendUp embeds financial education modules on topics like budgeting and integrates with the Credit Karma API for prequalification.

Monedo is a Berlin-headquartered fintech that offered consumer loans, digital wallets, and personal finance apps using alternative data and machine learning for credit scoring in emerging markets. Its Lending-as-a-Service API enabled partners to embed short-term loans and budgeting tools, operating in Europe and Asia before filing for bankruptcy in 2023.

Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.

OppFi Inc is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It recognizes revenue through finance charges on installment and SalaryTap contracts based on the interest method.