Forward Financing

Angle Health, founded in 2019 in San Francisco, USA, is an AI-native employer health benefits and health insurance platform.

erad, founded in 2022 and headquartered in Riyadh, is an alternative financing platform offering Shariah-compliant working-capital financing (revenue-based and term) to SMEs in Saudi Arabia and the UAE, using data and in-house AI models for underwriting with approvals typically within 48 hours; it is a Y Combinator S22 company.

Gradient AI, founded in 2012 in Boston, applies machine learning to insurance policy and claims analysis to help insurers assess risk, reduce costs, and streamline operations.

Founded in 2015 in Toronto, Canada, Clearco uses AI and proprietary machine learning technology to underwrite businesses and help clients access inventory financing.

AHI Fintech (Huian Jinke, Beijing) is a Beijing-based AI company founded in 2017 that builds intelligent risk-control and regulatory-technology products for banks and other financial institutions. Its platform applies machine learning, NLP, computer vision and graph computation to fraud detection, anti-money-laundering, internal audit automation and credit/marketing decisioning. It was founded by Ling Huang, a UC Berkeley computer science PhD and former Intel Labs research scientist.

Jota is an AI-native fintech company headquartered in São Paulo, Brazil, founded in 2024. It turns WhatsApp into a primary financial management interface for entrepreneurs, enabling Pix transfers, bill payments, and reconciliation via text, voice, or images, with banking infrastructure provided by Celcoin under central bank regulation. Within approximately one year of launch, it has accumulated around 300,000 customers and an annualized transaction volume of BRL 3.5 billion.