Alternatives to Twelve

Plaid provides a data transfer network powering fintech and digital finance products.

Carbon capture technology converting CO2 into valuable chemicals and fuels.

Electrified plasma technology to recycle CO2 and hydrocarbons into circular carbon molecules.

Converts carbon emissions and waste into green liquid fuels and chemicals.

Industrial-scale production of synthetic aviation fuels from CO2 and water.

Develops electrochemical CO2 capture and utilization solutions for industrial applications.

Embedded working capital platform for small businesses, offering AI-powered credit lines and B2B payment solutions.

B2B credit infrastructure fintech enabling digital platforms to launch and scale credit products.

Global AI-powered financial asset management firm providing growth capital to tech companies.

Provides non-dilutive financing and financial management tools for SaaS companies.

B2B purchase financing for SMBs to buy more and vendors to sell more.

South African fintech lender providing AI-driven flexible finance solutions for business cash flow.

The single API for commerce platforms, providing real-time financial products and standardized customer data.

Innovative financial solutions for small businesses to manage cashflow and grow.

Splitit offers a merchant-branded Installments-as-a-Service platform for Buy Now, Pay Later solutions.

A European fintech firm providing innovative financing solutions.

Lendable builds technology and financial products to make impact investing a competitive asset class for Africans.

Online platform for asset-backed consumer loans, offering secured credit with lower interest rates.

High-yield alternative funder for SMBs using predictive algorithms and SaaS tools for brokers.

SaaS platform for lending operations with vertical data and AI, offering a single API.

ASAAS automates financial processes and enhances customer relationships for businesses.

Financial infrastructure platform for tech companies to store, move, and lend money.

A financial technology company providing banking, lending, and payment solutions for small businesses.

Brazilian fintech providing integrated financial and software solutions for merchants of all sizes.

The composable, API-first cloud banking platform.

Financial services and digital payments company.

Argon provides non-dilutive funding for SaaS companies based on their subscriber value.

AI-powered network enabling financial institutions to expand customer access and scale lending.

Financial technology company providing revenue-based financing and growth capital to e-commerce businesses.

Fintech platform providing affordable smartphones and digital financial services to 'Every Day Earners' in Sub-Saharan Africa.

An AI-powered ETF that uses IBM Watson to select U.S. equities for investment.

A digital banking app offering instant loans, savings, and payments for underserved populations.

Point-of-sale lending and a no-fee credit card for everyday expenses.

Buy Now, Pay Later (BNPL) service offering flexible payment options at checkout.

Consumer credit and mobile banking platform offering personal loans, credit cards, and checking accounts.

All-in-one business banking, accounting, and tax platform for small businesses.

Financial services platform for emerging markets, enabling access to credit and payments.

European fintech providing instant consumer credit and payment solutions.

Embedded capital platform providing working capital advances to small businesses.

Indian consumer lending startup

Klarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple,

Invite-only liquidity solutions provider for venture fund investors (LPs).

Asset management firm providing private credit solutions to businesses in the U.S. and Canada.

AI-powered finance operations platform that unifies procurement, treasury, AP/AR, and cashflow management for finance teams.

AI-powered lending exchange connecting small businesses to bank-rated credit.

A Brazilian digital bank and financial services platform offering accounts, credit cards, and loans.

A leading lender to home flippers and smaller landlords in the US.

Global financial technology provider for banks, credit unions, merchants, and businesses.

AI-powered private debt platform for institutional investors, starting with real estate.

B2B payment solutions enabling merchants and marketplaces to offer flexible payment terms.

Fido empowers individuals and entrepreneurs in Africa with fast, easy, and secure access to digital financial services.

A fully digital car finance platform.

CredPal offers flexible "Shop Now, Pay Later" solutions, enabling installment payments for consumers and businesses across Africa.

Provider of capital to small businesses across the United States.

Digital trade finance platform using AI for flexible B2B payments in global supply chains.

ROX Financial provides a platform for small businesses to manage and grow their revenue through flexible financing options.

Intelligently automates loan payments for consumers to improve financial well-being and pay off debt faster.

Jifiti provides a white-labeled embedded lending platform for banks, lenders, and merchants.