What stage does Flourish Ventures invest at?

Flourish Ventures invests at the Pre-Seed, Seed, Series A stages.

What is Flourish Ventures's typical check size?

Flourish Ventures typically writes checks of $100K – $5M.

What sectors does Flourish Ventures focus on?

Flourish Ventures focuses on Fintech, Impact & Social Good.

Where is Flourish Ventures located?

Flourish Ventures is headquartered in San Francisco, US.

Does Flourish Ventures lead rounds?

Yes, Flourish Ventures leads investment rounds.

Flourish Ventures

Venture capital

San Francisco · Pre-Seed–Series A · 33 people tracked

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✨ Fox Verdict

Investment thesis

Flourish Ventures is a global early-stage venture fund focused on fintech and mission-driven financial services. It backs ambitious founders reshaping financial systems, with an emphasis on hands-on, founder-friendly support that goes beyond capital. Beyond funding, the firm nurtures founders through development workshops and one-on-one work with its investment team, helping build self-awareness and resilience. Flourish invests globally, with notable activity across the United States, Latin America, Africa, India, and Southeast Asia, and highlights a strong commitment to backing female founders and companies advancing inclusive, impactful financial systems.

Invests inFintech Impact & Social Good Africa Asia-Pacific Bangladesh Brazil Colombia Global India Latin America Mexico San Francisco South Africa United Kingdom United States

Source: firm website, verified Aug 3, 2026.

Stage

Pre-Seed–Series A

Check

$100K – $5M

San Francisco, CA, US

Leads rounds

Leads

Instruments

Equity

Founded

2019

Last 12 months

5 investments

AUM

$850M

Tracked investments

Team · 33 people

from the firm's website & curated & public directories

Emmalyn Shaw· Co-Founder and Managing Partner· San Francisco Bay Areain 𝕏

Emmalyn Shaw, a co-founder with nearly 25 years in venture, is a fintech specialist across digital banking and embedded finance, backing mission-driven founders and championing founder mental health via podcasts.

e•••@flourishventures.comreveal

Adam Tarhouni· Partner, People (Head of Global Human Capital)· San Franciscoin

Adam Tarhouni is a partner at Hakluyt Capital, which he joined in 2023, where he works on deal origination, diligence, and portfolio support. He previously worked as a consultant at Bain & Co. advising semiconductor and software clients, and as an investment professional at Sherpa Ventures (now ACME Capital) focused on early-stage B2C deals. He later led corporate strategy for a multinational energy company in Dubai and held political and government roles in Libya, and holds a degree from Stanford University.

Evan Baehr· Managing Partner· Austin, Texas, United Statesin

Evan Baehr pairs elite academics (Yale, Harvard MBA) with founding Able Lending (backed by Peter Thiel and Mike Maples), a CRM of tens of thousands and the book Get Backed.

Ameya Upadhyay· Venture Partner· Londonin 𝕏

Ameya Upadhyay is a General Partner at Flourish Ventures who invests in founders building financial infrastructure across Africa, the Middle East, and other emerging markets, with an emphasis on global and cross-border payments as well as blockchain-native companies. He helped launch Madica, the firm's Africa-focused pre-seed program. Before Flourish he worked at Omidyar Network and Bain & Company, and he holds an engineering degree from Delhi College of Engineering and an MBA from the Indian Institute of Management Ahmedabad.

Arjuna Costa· Managing Partner· <UNKNOWN>in 𝕏

Arjuna Costa is a co-founder and Managing Partner at Flourish Ventures, which grew out of the Omidyar Network where he joined in 2010 to develop its technology-for-financial-inclusion work. He began his career as an investment banker in the early 1990s before moving into microfinance, bank restructuring under World Bank and IMF structural adjustment programs, and a bank turnaround fund. At Flourish he focuses on fintech and financial health investing across emerging markets including Latin America, Southeast Asia, India, and Africa.

•••reveal

Audrey Marrache· Corporate Paralegal· Atlanta Metropolitan Areain

Audrey Marrache is a Corporate Paralegal at Flourish Ventures, where she supports the legal team on venture financings, contract management, corporate governance, and entity administration. She previously worked as a Corporate Paralegal at Bryan Cave Leighton Paisner LLP, supporting M&A, joint ventures, and venture capital transactions, and earlier spent over a decade as a legal assistant at law firms and a private family office. She holds a B.A. in Linguistics from the University of Georgia.

Charlee Brady· People Operations Manager· Greater Seattle Areain

Charlee Brady is People Operations Manager at Flourish Ventures, where she supports the firm and its portfolio companies with organizational culture, company events, compliance systems, and human resources functions. She previously served as a contract executive administrative assistant to Flourish team members and worked as an Account and Operations Manager at The Social Project, a marketing agency. She holds a bachelor's degree in Communications from Washington State University.

Diana Narváez· Associate· Colombiain 𝕏

Diana Narváez leads Flourish Ventures' investing in Latin America, working with regional fintech founding teams. Before joining Flourish, she oversaw strategy and business development at Picap, a Colombian ride-hailing and last-mile logistics startup, and earlier co-founded Impulsum Capital, an impact investing vehicle for family offices in Colombia. She previously worked at McKinsey in Mexico and JPMorgan in Brazil, holds a bachelor's degree in accountancy from Northern Illinois University and an MBA from Cornell University, and completed Stanford's VC Unlocked program.

Efayomi Carr· Principal at Flourish Ventures· Kenyain 𝕏

Efayomi Carr is a Principal at Flourish Ventures. He is also a co-founder and board observer of Madica.

Evelyn Ng· Operations Team· Cambridge, Massachusetts, United Statesin

Evelyn Ng oversees financial operations at Flourish Ventures, managing valuations, accounting, budgeting, financial systems, audits, reporting, and financial compliance. She has a background in valuations and finance and played an instrumental role in completing Flourish's operations setup.

Evi Muco· Investor, U.S. Investment Team· United Statesin

Evi Muco is a member of the U.S. investment team at Flourish Ventures, involved across sourcing and execution with a focus on fintech founders. Before Flourish, he was an investor at Ribbit Capital and Partech, concentrating on emerging markets with an emphasis on Africa, and he founded IFH Lab, a fintech and financial health accelerator in Canada. He earlier worked at Accenture advising banks on digital transformation, and holds an MBA from Stanford University and a BCom in Finance from McGill University.

Garret Chiem· Investment Lead· San Francisco Bay Areain

Investment Lead at Flourish Ventures, a fintech-focused early-stage venture capital firm.

Harsh Gupta· Associate· Mumbai, Indiain 𝕏

Harsh Gupta is Flourish Ventures' lead investor in India, where he sources deals and works with fintech portfolio companies across the region. Before joining Flourish as an Associate, he spent about four and a half years in venture debt at InnoVen Capital (formerly Silicon Valley Bank, India) and Alteria Capital, and earlier worked at Vodafone India in rural business development, supply chain, and finance. He is a Chartered Accountant (ICAI) and holds a Bachelor of Commerce with Distinction from N.M. College of Commerce and Economics, Mumbai University.

John Onwualu· Principal· San Francisco, Californiain

John Onwualu is an investor at Flourish focused on financial infrastructure. Before Flourish, he was a Managing Director at the U.S. International Development Finance Corporation, where he built and led the agency's first direct equity investment platform, and earlier worked at SoFi on new business launches, acquisitions, and IPO preparation. He began his career at Morgan Stanley trading emerging-markets debt and later in investment banking, and holds a Finance degree from the Wharton School with a minor in African Studies.

j•••@flourishventures.comreveal

Kabir Kumar· Partner· Washington, District of Columbiain 𝕏

Kabir Kumar, a founding partner with an Ecosystem mandate building fintech policy and networks, has two decades' regulation experience and focuses on crypto security and fraud-prevention after a personal scam.

k•••@flourishventures.comreveal

Karen Rizkallah· Senior Investment Analyst· São Paulo, São Paulo, Brazilin

Karen Rizkallah is a senior investment analyst at Flourish Ventures, working across the investment process in Latin America including sourcing, evaluating, and executing deals, as well as exploring new investment themes. She previously worked at Banco Santander in New York in the Trade Finance division, structuring liquidity solutions for corporate clients. She holds a B.S. in business and political economy with a minor in social entrepreneurship from New York University's Stern School of Business.

Katie Sarro· Head of Global Marketing· San Francisco, California, United Statesin

Katie Sarro is Head of Global Marketing at Flourish Ventures, supporting investment teams across the U.S., Africa, India, Latin America, and Southeast Asia and advising the firm's fintech portfolio companies on branding, storytelling, media relations, and communications. She previously led marketing and research at Kauffman Fellows, served as Managing Director of MEST in Africa, and led marketing at the 88mph accelerator. She was also a Partner at Silicon Foundry, an advisory firm connecting large corporations and governments with early-stage companies.

Larry Cook· Partner and Chief Financial Officer· San Francisco Bay Areain

Larry Cook is Partner and Chief Financial Officer at Flourish Ventures, where he leads global investment operations, finance, portfolio management, and technology functions. Since the firm's evergreen fund launched in 2019, he has built its finance and operations infrastructure and assembled the supporting team.

Lisa Mikkelsen· Head of Global Human Capital· Fairfield, California, United Statesin

Lisa Mikkelsen is Head of Global Human Capital at Flourish Ventures, where she leads the firm's global HR strategy, workplace culture, and people development across the firm and its portfolio companies. She joined as part of Flourish's founding team and previously spent eight years helping build the Human Capital team at Omidyar Network, after beginning her career recruiting for two Silicon Valley startups. She holds a bachelor's degree in Psychology and Human Development from UC San Diego.

Nader Youssef· Investment Associate· Cairo, Egyptin

Pat Christen· Board Member

Serves on the fiduciary board overseeing Flourish Ventures' strategic priorities and operations, associated with The Omidyar Group.

Peter Lagrotteria· Investment Team (U.S.)· San Franciscoin

Peter Lagrotteria is a member of the U.S. investment team at Flourish Ventures, where he evaluates prospective investments and helps portfolio companies grow. He previously worked in investment banking at Citigroup and Deutsche Bank in New York, covering M&A and equity offerings in the banking and specialty finance industries. He holds a bachelor's degree in Management from Boston College, with a concentration in Finance and Business Analytics.

Philippe Mallette· Member, U.S. Investment Team· San Franciscoin

Philippe Mallette is part of the U.S. investment team at Flourish Ventures, where he sources and evaluates deals and works with portfolio companies on growth. He previously worked at L.E.K. Consulting, advising companies ranging from early-stage startups to Fortune 500 tech firms on growth strategy. He holds a BA in Economics from the University of Chicago and focuses on financial technology.

Ravi Kaushik· Executive Director and Head of Asia Investments· Singaporein

Ravi Kaushik is Executive Director and Head of Asia Investments at Flourish Ventures. He authored an outlook piece on venture investment themes for India in 2025, focusing on areas such as digital banking and infrastructure, climate fintech, embedded finance, and domestic and cross-border payments.

Reon Cloete· Global Head of Legal· New York, New York, United Statesin

Reon Cloete is the global Head of Legal at Flourish Ventures, overseeing the legal function across the firm's geographies in the U.S., Africa, India, Latin America, and Southeast Asia, and advising the firm and its portfolio companies from early-stage financings through exits. He previously served as Legal Counsel at GV (Google Ventures) and was an associate at Gunderson Dettmer in New York, beginning his career focused on M&A in New York and South Africa. He is admitted to practice law in South Africa and New York, and holds LLB and LLM degrees from the University of Cape Town and an LLM from Harvard Law School.

Rob Jacobs· Board Member

Serves on the fiduciary board overseeing Flourish Ventures' strategic priorities and operations, associated with The Omidyar Group.

Sarah Morgenstern· Venture Partner· Washington, District of Columbiain 𝕏

Sarah Morgenstern is an Investment Partner on the U.S. investment team at Flourish Ventures, where she sources, executes, and manages investments focused on improving financial health and economic opportunity for American households. She previously served as a principal for investments at Omidyar Network and as a manager at McKinsey & Company leading strategy and corporate finance engagements. Earlier in her career she was a consultant at APCO Worldwide in Beijing and a Princeton in Asia Fellow at Dalian University of Technology. She holds an MBA in Finance from Wharton, an MA in International Economics from Johns Hopkins SAIS, and a BA in History from Yale.

Shivam Satija· Associate· Bengaluruin

Shivam Satija is a Senior Investment Analyst at Flourish Ventures, where he works on the firm's India portfolio. He previously was a founding member and investment analyst at Dallas Venture Capital, a U.S.-India cross-border firm, and invested at the Bharat Innovation Fund across fintech, SaaS, HR tech, and marketplaces. He holds a Bachelor of Commerce with honors from Delhi University and an FMVA certification from the Corporate Finance Institute.

Stella Klemperer· Director of Strategy & Insights· Brooklyn, New York, United Statesin

Stella Klemperer is Director of Strategy & Insights at Flourish Ventures, where she has led the firm's sector-impact strategy and learning agenda since its 2019 launch, publishing primary research with the investment team and portfolio leaders. She previously worked at Omidyar Network on the future of work and financial inclusion, and earlier at McKinsey & Company and Root Capital, beginning her career working with smallholder farmers in South America. She holds an MBA from Cornell University and a BA in Economics from Brown University.

Tilman Ehrbeck· Managing Partner· Washington, D.C.in 𝕏

Tilman Ehrbeck is a co-founder and managing partner of Flourish Ventures, a global early-stage venture firm managing $850 million. The firm's portfolio includes over 100 companies across the U.S. and emerging markets.

t•••@flourishventures.comreveal

Tina Moran· Senior Associate· Washington, D.C.in

Tina Moran is a Senior Associate at Flourish Ventures focused on expanding access to affordable and appropriate financial products. She works to address systemic barriers through a combination of private-sector investments and other initiatives.

t•••@flourishventures.comreveal

Daniel Gorfine· Advisor· Washington, District of Columbiain 𝕏

Daniel Gorfine is founder and CEO of Gattaca Horizons LLC, a fintech advisory firm. His background spans regulatory policy, government service, and financial technology, including roles as chief innovation officer at the U.S. CFTC and co-founder of the Digital Dollar Project. He also serves as a board director, angel investor in fintech, and adjunct professor at Georgetown Law.

Jana Aboughali· Analyst· Egyptin

What they invest in

from 48 of 62 portfolio companies

Fintech ×38AI & Machine Learning ×15SaaS ×13Enterprise Software ×8Impact & Social Good ×7Consumer ×6Crypto & Web3 ×6Data & Infrastructure ×4

HQs:United States×12India×4Nigeria×3Brazil×2Indonesia×2Bangladesh×1

Investments · 62 tracked

founders shown can be your intro path

By year:2026 · 3 2025 · 3 2024 · 4 2023 · 4 2021 · 1 2019 · 116 dated

Grabgrab.com in 𝕏NASDAQ: GRAB

Grab operates a superapp serving Southeast Asia, offering services including ride-hailing and mobility, deliveries, and financial services through Grab Financial Group.

FintechLogistics & Supply ChainMarketplacesMobility & TransportationSingapore, SG

Anthony Tan(Founder)inHooi Ling TanCheryl GohChin OngKell LimSarah Lim

Co-investors137 Ventures 500 Global 500 Startups Vietnam Arbor Ventures Base Partners Beacon VC +21 more

ApnaKlubapnaklub.com✓ verified

ApnaKlub is a B2B wholesale platform that supplies retailers, SMEs, and business owners in India's Tier 2 and Tier 3 cities with a wide range of branded products, offering better margins, on-time delivery, and customer support.

B2B MarketplacesE-commerceRetail TechIndia, IN

Shruti(Founder & CEO)Manish Kumar(Co-Founder & COO)inGourav Das(Co-Founder & CPTO)Ashutosh Kumar(Co-Founder & Growth Head)

Co-investorsWhiteboard Capital Blume Ventures Tiger Global Management Alteria Capital Peak XV Partners

M2Pm2pfintech.com in 𝕏Sep 2024 · $100M✓ verified

M2P Fintech provides fintech infrastructure and supports fintech startups and entrepreneurs.

AI & Machine LearningEnterprise SoftwareFintechSaaSChennai, IN

Madhusudanan R(Co-founder)inMuthukumar A(Co-founder)inPrabhu Rangarajan(Co-founder)

Co-investors8i Ventures Better Capital BEENEXT Helios Investment Partners Insight Partners MUFG Innovation Partners +7 more

Lidya HoldingsMay 2021SEC filingmedium confidence

Greenbelt, US

Ashley Lewis(Director)Akintunde Kehinde(Chief Executive Officer)Christian Ruehmer(Director)Ercin Eksin(Director)

Board seatAmeya Upadhyay· per SEC Form D · filed May 2021

Co-investorsAccion Venture Lab

Affordplanaffordplan.com in 𝕏

Affordplan is a healthcare financing platform in India that helps patients plan and pay for medical treatments.

Digital HealthFintechHealthtech

Afi Globalafi-global.org in 𝕏

The Alliance for Financial Inclusion (AFI) is a policy leadership alliance owned and led by member central banks and financial regulators in developing countries.

FintechImpact & Social Good

Akuaakua.la in 𝕏Oct 2024 · $4.3M

Akua builds modern payment infrastructure for Latin America, offering a universal API and dashboard that let businesses accept and embed payments, run payouts, recurring billing, risk management, and compliance in one system.

AI & Machine LearningData & InfrastructureFintechSaaS

Carlos Marín(CEO)Juan José Behrend(CTO)Rodrigo Rodrigues(COO)

Co-investorsHTwenty Krealo Propel Venture Partners 4um Investimentos Atlantico Simma Capital

Alboalbo.mx in 𝕏

albo is a Mexican digital financial institution (IFPE authorized by the CNBV) offering a fully digital personal account with a Mastercard debit card, transfers, bill payments, and access to credit and crypto through commercial partners.

ConsumerEnterprise SoftwareFintech

Angel Sahagun Fernandez(Founder)in

Co-investorsMagma Partners Nazca South Quad Valar Ventures Llc Morpheus Ventures

Alloyalloy.com in 𝕏

Alloy provides an identity and fraud prevention platform for financial institutions and fintechs to manage fraud, credit, and compliance risk through real-time data orchestration and AI algorithms integrated with over 200 intelligence sources.

AI & Machine LearningCybersecurityFintech

Tommy Nicholas(CEO)inLaura Spiekerman(President)inCharles Hearn(CTO)in

Co-investorsAlpha Edison Avenir Growth Capital Avid Ventures Bessemer Venture Partners Eniac Ventures Felicis Ventures +5 more

Apollo Agricultureapolloagriculture.comNov 2019

Apollo Agriculture provides small-scale farmers with farming inputs, financing, insurance, and training to help them run more profitable agribusinesses.

AgTechAI & Machine LearningFintechImpact & Social GoodOakland, US

Earl Joseph St. Sauver(Director)Eli John Pollak(Executive Officer, Director)Eli Pollak(Co-founder & CEO)inBenjamin Njenga(CCO & Co-Founder)inEarl St Sauver(Co-founder)

BoardSeth Todd Silverman(Director)

Co-investorsAccion Anthemis Venture Ceniarth Communitas Capital Partners Endeavor Catalyst Equator +5 more

Aquaconnectaquaconnect.blue inJan 2024

Aquaconnect is an integrated seafood company working across aquaculture biologicals, animal nutrition, and cross-border seafood trade.

AgTechFoodTech

Co-investorsRebright Partners S2G Investments Trifecta Capital Advisors AgFunder Lok Capital Omnivore

Betterthancashbetterthancash.org

Bitnobbitnob.com in 𝕏

Bitnob provides cross-border payment and money management tools that let individuals and businesses send, save, and manage money internationally, with a focus on financial inclusion across Africa and beyond.

Crypto & Web3Fintech

Co-investorsBrad Mills Hivemind Ventures, Llc Ingressive Capital LoftyInc Capital The Raba Partnership Ventures Platform

Blockchains LLC (Exited)blockchains.com in

Blockchains builds a privacy-first "trust layer" for the agentic AI era, providing verifiable digital identity, user-controlled encrypted data, and bounded authorization for AI agents acting on behalf of people and businesses.

AI & Machine LearningCybersecurityData & Infrastructure

Co-investorsFuture Perfect Ventures

Blupryntbluprynt.com in 𝕏

Co-investorsQuona Capital Valor Capital Group

Borderless Labsborderless.xyz 𝕏

Borderless operates a stablecoin orchestration network that connects local banking systems, multiple stablecoins, and foreign exchange services to enable cross-border money transfers for financial institutions and payment providers globally.

Crypto & Web3Fintech

Co-investors57Blocks Capital Amity Ventures

Bricobrico.ai inSep 2024

Brico provides a software platform that automates financial licensing for banks, financial institutions, and fintechs, handling new license applications, maintenance, renewals, and periodic reporting across US states.

FintechLegalTechSaaS

Co-investorsFinancial Venture Studio Restive Ventures Pear VC

Brigithellobrigit.com in 𝕏Acquired

Brigit is a mobile financial health app that helps low-income Americans avoid overdrafts, access emergency cash, build credit, and budget for savings.

Fintech

Zuben Mathews(Co-founder)Hamel Kothari(Co-founder)

Co-investorsAbstract Ventures Canaan Partners Core Venture Capital DCM Ventures DN Capital Dreamers VC +5 more

Cdficdfi.in in

CDFI builds data-driven governance tools and digital payment systems—including direct benefit transfer (DBT) portals and mobile apps—to support financial inclusion, health, and livelihood programs for rural communities, farmers, women's self-help groups, and government agencies across India.

FintechGovTechImpact & Social Good

Cgapcgap.org in 𝕏

CGAP works to expand access to financial services for people living in poverty and the unbanked, focusing on inclusive finance and financial policy.

FintechImpact & Social Good

Chimechime.com

Chime is a US financial technology company offering fee-free checking and savings accounts, debit and credit-builder cards, early access to direct-deposited pay and no-fee overdraft cover.

San Francisco, US

Ryan King(Co-founder)inChris Britt(Co-founder & CEO)in

Co-investorsAmino Capital Aspect Ventures Cathay Innovation Clocktower Ventures Coatue Management Crosslink Capital +18 more

CipherOwlcipherowl.com in 𝕏

CipherOwl provides AI-powered security and compliance infrastructure for institutional stablecoins and digital assets, automating screening, investigation, and regulatory reporting across blockchain networks.

AI & Machine LearningCrypto & Web3CybersecuritySan Francisco, US

Leo Liang(Founder)Ming Jiang(Founder)in

Co-investors57Blocks Capital Coinbase Ventures Predictive VC Sancus Ventures

Clerkieclerkie.io inApr 2023 · $33M

Clerkie is a full-service automation platform powered by machine learning that helps lenders manage, optimize, and recover loan portfolios through AI-driven repayment strategies and multi-currency payment solutions.

AI & Machine LearningFintech

Co-investorsLeft Lane Capital TruStage Ventures Vestigo Ventures Citi Ventures

Consumerreportsconsumerreports.org in 𝕏

Consumer Reports is a nonprofit organization that provides product reviews, ratings, and buying advice to consumers, offering access to over 10,000 reviews and an "AskCR" chat assistant.

ConsumerMedia & Entertainment

Credflowcredflow.in

Co-investorsStellaris Venture Advisors 2 Llp Inflexor Ventures

CurbWastecurbwaste.com

CurbWaste offers a cloud-based platform that consolidates operational and management software needs for waste haulers, covering client servicing, scheduling, and business operations.

Circular EconomyLogistics & Supply ChainSaaS

Michael Marmo(Founder)in

Co-investorsB Capital Group B4 Capital Mucker Capital Socium Ventures TTV Capital

Cushioncushion.ai inJan 2025

Cushion builds AI and machine-learning infrastructure that extracts and structures consumer financial data from email inboxes, including buy now pay later loans, utilities, subscriptions, and credit card statements.

AI & Machine LearningConsumerFintechBrooklyn, US

Paul KesserwaniinJonathan Hallman(Executive Officer, Director)

Co-investorsGreen Cow Venture Capital 500 Global Afore Capital Better Tomorrow Ventures Vestigo Ventures

Digital Inclusiongramcover.com

GramCover is an insurance platform offering motor, crop, and livestock insurance products, along with reinsurance services.

AgTechFintechInsurTech

Co-investorsEmphasis Ventures IIMA Ventures Inflexor Ventures Omidyar Network India Omnivore Siana Capital Management+1 more

Digitalfrontiersinstitutedigitalfrontiersinstitute.org in 𝕏

Digital Frontiers Institute is an African non-profit offering online professional courses and certifications in areas such as digital finance, financial inclusion, and digital public infrastructure.

EdTechFintechImpact & Social Good

Diniedinie.com

Dinie provides embedded credit and B2B payment solutions for platform operators, allowing them to offer financial products to their customer base without holding capital or banking licenses.

Enterprise SoftwareFintechSaaSSão Paulo, BR

Andrea Burattini(Founder)

Co-investorsDOMO.VC Latitud Ventures

Doladodolado.com.br

Co-investorsClocktower Ventures Norte Ventures Valor Capital Group

Earn Upearnup.com in

EarnUp is a financial technology platform that automates loan debt repayment management for consumers managing mortgages, auto loans, student loans, and personal loans.

AI & Machine LearningFintechSaaSSan Francisco, US

Matthew Cooper(Founder)in

Co-investorsBase Venture Management, Inc.Blumberg Capital Kapor Capital

eCurrencyecurrency.net in

eCurrency builds central bank digital currency (CBDC) infrastructure, covering secure offline minting, digital distribution through regulated financial institutions, and integration with monetary policy and regulatory functions.

Crypto & Web3FintechGovTech

Co-investorsSenaHill Partners

Fairmoneyfairmoney.io in 𝕏

FairMoney is a digital banking platform offering personal loans, asset finance, savings products, and banking services for individuals and businesses.

Fintech

Co-investorsTLcom Capital Tiger Global Management

FairMoneyfairmoney.ng in 𝕏

FairMoney is a digital bank offering personal loans, savings products, and business banking services through a mobile app.

ConsumerFintech

Co-investorsNewfund Capital Speedinvest Tiger Global Management

Finhealthnetworkfinhealthnetwork.org

Finreglabfinreglab.org in 𝕏

FinRegLab is a nonprofit innovation center that runs empirical research and testing of new technologies and data in financial services to inform public policy and market practices.

AI & Machine LearningFintechImpact & Social Good

Flutterwaveflutterwave.com in 𝕏

Flutterwave provides payment processing infrastructure and tools that enable businesses and financial institutions across Africa to send and receive payments securely and efficiently.

FintechLagos, NG

Adeleke Adekoya(Founder)inOlugbenga GB Agboola(Founder)in

Co-investors4DX Ventures AAF Management Ltd.Avenir Growth Capital B Capital Group B4 Capital Chaos Ventures +21 more

Fsifsi.ng in 𝕏

FSI-Sandbox is a sandbox platform that provides developers access to real financial APIs, documentation, and cross-platform SDKs to build and test fintech applications for Android, iOS, and web.

Data & InfrastructureDeveloper ToolsFintech

Fusefuse.me in

Fuse is a correspondent banking platform that provides banks and fintechs with API-based access to global clearing, named customer accounts, and treasury operations on a non-lending, 100% reserve model.

Enterprise SoftwareFintechSaaS

Global

Guiabolsoguiabolso.com.br

Co-investorsKaszek Ventures Valor Capital Group

HoneyCoinhoneycoin.app in 𝕏

HoneyCoin builds financial infrastructure that helps companies create cross-border payment and money-movement solutions, supporting high-volume trades.

Crypto & Web3Enterprise SoftwareFintech

David N.(Founder)inDavid Nandwa(CEO)

Co-investors4DX Ventures Flori Ventures Microtraction Timon Capital TLcom Capital Musha Ventures +1 more

India

Kaminokamino.com.br inDec 2025

Kamino is a financial automation platform for the finance teams of mid-sized Brazilian companies, combining accounts payable/receivable, automatic bank reconciliation, cash flow and DRE reporting, plus an integrated bank account and corporate cards.

Enterprise SoftwareFintechSaaSSão Paulo, BR

Guto Fragoso(Founder)Rodrigo Perenha(Founder)inGonzalo Parejo(Founder)inJuliana Strohl(Founder)in

Co-investorsClocktower Ventures Inspired Capital Norte Ventures PICUS CAPITAL Propel Venture Partners QED Investors +2 more

Kamino Financekamino.financeDec 2025 · $10M

Kamino is a DeFi protocol on Solana that combines lending, liquidity provision, and leveraged trading in a single platform.

Crypto & Web3Fintech

Co-investorsAlliance DAO (ex DeFi Alliance)Faction Hack VC LongHash Ventures Multicoin Capital ParaFi Capital +7 more

Kin Insurancekin.com in 𝕏Mar 2023

Kin is a home insurance provider that offers both self-service and agent-assisted policy purchase and management for homeowners.

InsurTechChicago, US

Sean Harper(Co-Founder and Chief Executive Officer)inLucas Ward(Executive Officer and Director)Sebastian VillarrealBret Bret HarperJason Heidkamp

BoardEric Carlborg(Director)in

Co-investors500 Global ACTIVATE CAPITAL PARTNERS Alpha Edison August Capital Avanta Ventures Better Tomorrow Ventures +18 more

Luagetlua.com inApr 2026 · $5.8M

Lua is a free online PDF converter that enables users to convert PDF files to Word, Excel, JPG, PNG, PPT, and HTML formats without requiring downloads.

SaaSNew York City, US

Co-investorsTechstars 20VC Norrsken22 P1 Ventures Twenty Two Ventures Y Combinator

Lua Global Incheylua.ai inApr 2026 · $5.8M

Lua is an AI workforce platform that enables teams to work alongside AI agents in a shared workspace with unified memory and governance.

AI & Machine LearningEnterprise SoftwareSaaSLondon, GB

Lorcan O Cathain(Founder)inStefan Kruger(Founder)in

Co-investorsDigital Currency Group Enza Capital P1 Ventures TRAC (Third Round Analytics Capital)Y Combinator 20VC +1 more

Neon

Onebrickonebrick.io in

Brick provides payment and money-movement APIs — including disbursement, payment links, virtual accounts, and sub-accounts — that businesses embed into their platforms to move funds.

Developer ToolsFintechSaaS

Co-investors1982 Ventures Better Tomorrow Ventures

Qoalaqoala.app

Qoala is an online insurance platform that lets consumers compare and buy insurance products, including health, life, and car insurance.

ConsumerFintechInsurTech

Harshet Lunani(Founder & CEO)

Co-investorsAppWorks Ventures Indogen Capital Mandiri Capital Indonesia STRIVE AppWorks Eurazeo +6 more

Regulationinnovationregulationinnovation.org in 𝕏

AIR (Alliance for Innovative Regulation) is a nonprofit organization that conducts research, advocacy, design sprints, and convenings to help financial regulators and institutions adopt technology-enabled, data-driven oversight.

FintechGovTechImpact & Social Good

Jo Ann Barefootin

ShopUpshopup.org in 𝕏

ShopUp operates a full-stack B2B commerce platform connecting mills and manufacturers to small neighborhood shops, handling sourcing, logistics, and financing for these micro-retailers.

B2B MarketplacesE-commerceFintechLogistics & Supply ChainRetail Tech

Afeef Zaman(Founder & Group CEO, SILQ)inAtaur Rahim Chowdhury(Co-founder & CEO, ShopUp (Bangladesh))inSujayath Ali(Co-founder & Group COO, SILQ)in

Co-investorsMyAsiaVC Valar Ventures Llc Fasanara Capital Sequoia Capital

Skipifyskipify.com inOct 2023

Skipify provides a "Commerce Identity Cloud" that identifies online shoppers at checkout and connects them with financial institutions to retrieve payment methods in real time, working within a merchant's existing ecommerce and payments stack.

AI & Machine LearningE-commerceFintech

Co-investorsBee Partners Infinity Ventures Point72 Ventures Samsung Next Amex Ventures FIS +3 more

Southeast Asia

Spadespade.com in 𝕏Mar 2026

Spade provides transaction data enrichment and standardization for financial institutions, fintechs, platforms, and AI companies.

AI & Machine LearningData & InfrastructureFintechNew York City, US

Oban MacTavish(Founder)inCooper Hart(Cofounder)

Co-investorsAndreessen Horowitz Evolution Ventures Gradient Ventures NAventures Oak HC/FT Y Combinator +2 more

SWAP

TrueBiztruebiz.io inFeb 2023

TrueBiz provides AI-powered automated analysis of business legitimacy and risk profiles by synthesizing data from the merchant's internet footprint, designed for payments providers and financial services organizations during customer onboarding.

AI & Machine LearningEnterprise SoftwareFintechSaaSMiami, US

Danny Hakimian(Founder)in

Co-investorsHomebrew Y Combinator The Fintech Fund

United States

Rows marked “SEC filing” are inferred from directors named on the company's SEC Form D — public regulatory data, not a portfolio list published by the firm.

Exits · 1

IPOs and acquisitions across the tracked portfolio

GrabNASDAQ: GRAB

Portfolio news

latest coverage across their companies

Oro Secures $3 Million Strategic Round to Accelerate Natural-Language AI and Autonomous Agentic Finance

Kamino · webdisclosure.com · Aug 25, 2026

Chime financial 10% owner DST Global Advisors sells $28.1 million in stock By Investing.com

Chime · investing.com · Aug 25, 2026

ShopUp's parent platform raises $100 million for Saudi financing push | The Daily Star

ShopUp · thedailystar.net · Aug 18, 2026

Grab Holdings Limited (GRAB) vs. Sea Limited (SE): Grab Raises Its Outlook as AI and Affordability Pay Off

Grab · finance.yahoo.com · Aug 12, 2026

FairMoney is using PoS terminals to identify its next borrowers

FairMoney · techcabal.com · Jul 23, 2026

API platform 'M2P Fintech' set to raise $80 million in new Funding round

M2P · siliconindia.com · Jul 19, 2026

Circle Ventures Backs Flutterwave’s USDC Expansion

Flutterwave · serrarigroup.com · Jul 14, 2026

Foundation Alloy raises USD 22M for alloy technology - Stainless Steel World

Alloy · stainless-steel-world.net · Jul 13, 2026

Frequently asked questions

What stage does Flourish Ventures invest at?: Flourish Ventures invests at the Pre-Seed, Seed, Series A stages.
What is Flourish Ventures's typical check size?: Flourish Ventures typically writes checks of $100K – $5M.
What sectors does Flourish Ventures focus on?: Flourish Ventures focuses on Fintech, Impact & Social Good.
Where is Flourish Ventures located?: Flourish Ventures is headquartered in San Francisco, US.
Does Flourish Ventures lead rounds?: Yes, Flourish Ventures leads investment rounds.

From the blog

visit blog ↗

Flourish Ventures has recently written about emerging infrastructure layers reshaping financial services: tabular foundation models for structured data prediction, AI-powered legal and compliance automation, and tokenization platforms focused on removing asset-specific friction points. AI summary

Tabular Foundation Models Will Reshape Financial ServicesMay 2026Tabular foundation models designed for structured data are emerging as a new paradigm for financial services infrastructure, enabling faster deployment of predictive systems compared to traditional machine learning approaches.Why We Invested in JurisphereMay 2026Flourish Ventures invested in Jurisphere, an AI-powered legal platform that accelerates document review, compliance, and contract workflows for financial institutions and law firms through AI-native capabilities paired with licensed attorneys.Tokenization Platforms Are Emerging Across Many Asset ClassesApr 2026Successful tokenization platforms gain traction by identifying specific operational frictions within asset classes and building infrastructure to resolve them, rather than selecting assets easiest to tokenize.

Media · Podcasts & interviews

featuring the team

Fintech’s Next Chapter with Flourish Ventures’ Emmalyn Shaw

Fintech Is Femme · Emmalyn Shaw

Domain Expertise is the Winning Formula in VC - Emmalyn Shaw, Flourish Ventures

Miguel Armaza · Emmalyn Shaw

Emmalyn Shaw, Flourish Ventures - Why Specialist VC Funds Win

Miguel Armaza · Emmalyn Shaw

Emmalyn Shaw, Flourish Ventures - Backing Mission-Oriented Founders

Miguel Armaza · Emmalyn Shaw

Emmalyn Shaw, Flourish Ventures - Always Trust Your Gut

Miguel Armaza · Emmalyn Shaw

Emmalyn Shaw, Flourish Ventures - What Motivates Mission-Driven Founders, Global Fintech Investing

Miguel Armaza · Emmalyn Shaw

Images

Co-investors · 86

Endeavor Catalyst

Endeavor is a global nonprofit network supporting high-impact entrepreneurs across 45+ markets, and operates Endeavor Catalyst, a rules-based co-investment fund that invests in the same entrepreneurs Endeavor supports.

Both backed · 4

Apollo Agriculture Flutterwave Kamino Kamino Finance

$5.5M – $200M

Tiger Global Management

Tiger Global Management operates public equity strategies (long/short, long-focused and crossover) and a private equity business investing in early- through late-stage growth companies across new and existing industries.

Both backed · 3

ApnaKlub FairMoney M2P

$1M – $100M

Better Tomorrow Ventures

Better Tomorrow Ventures (BTV) is an early-stage venture firm focused on fintech startups, run by experienced operators who provide hands-on support beyond capital.

Both backed · 3

Cushion Kin InsuranceOnebrick

$500K – $4M

Clocktower Ventures

Clocktower Ventures is the fintech-focused venture practice of Clocktower Group, backing technology companies transforming financial services across consumer and enterprise. It is based in Santa Monica, California.

Both backed · 3

Chime KaminoDolado

$100K – $20M

Quona Capital

Quona Capital is a venture capital firm that invests in fintech companies expanding financial access in emerging markets across Latin America, India, Southeast Asia, and EMEA.

Both backed · 3

Kamino Kamino FinanceBluprynt

$5M

Lightspeed Venture Partners

Lightspeed is a global venture capital firm that has spent over two decades backing innovative companies as an early and first investor.

Both backed · 2

Grab Alloy

$1.7M – $87M

B Capital Group

B Capital is a global investment firm backing early to late-stage technology innovators across technology, healthcare, and energy & resilience sectors.

Both backed · 2

CurbWaste Flutterwave

$10M – $50M

PICUS CAPITAL

Picus Capital is a privately financed venture capital investor focused on early-stage technology ventures, having backed over 170 companies with a long-term, entrepreneur-aligned approach.

Both backed · 2

Kamino Kin Insurance

$100K – $300M

QED Investors

QED Investors is a venture capital firm focused on financial services, founded by former Capital One executives to back founders bringing transparency and fairness to fintech.

Both backed · 2

Kamino Kin Insurance

$30K – $25M

Homebrew

Homebrew is an early-stage venture firm backing mission-driven founders, investing its own capital primarily at the pre-seed and seed stages.

Both backed · 2

Chime TrueBiz

$100K – $500K

Inspired Capital

Inspired Capital is an early-stage venture capital firm founded in 2019 by Alexa von Tobel and Penny Pritzker, backing founders from pre-seed through Series A across a range of sectors.

Both backed · 2

Chime Kamino

$500K – $20M

Valar Ventures Llc

Valar Ventures is a venture capital firm focused on backing exceptionally focused founder teams with large ambitions across fintech, payments, and financial services globally.

Both backed · 2

Albo ShopUp

$100K – $5M

▶74 more co-investors

Propel Venture Partners TLcom Capital Emphasis Ventures Andreessen Horowitz Insight Partners Menlo Ventures Everywhere Ventures DST Global Canaan Partners Greycroft Oak HC/FT DN Capital DCM Ventures Global Founders Capital Left Lane Capital Lobby Capital Anthemis Venture Mucker Capital Peak XV Partners Commerce Ventures 137 Ventures Kaszek Ventures IrishAngels MassMutual Ventures FinTech Collective Nazca BEENEXT Newfund Capital Cathay Innovation Atlantico Sandalphon Capital Avanta Ventures Accel Greylock Partners Alumni Ventures Bain Capital Ventures Spark Capital Kraken NextView Ventures SignalFire Addition F-Prime Capital Acrew Capital Ribbit Capital Accomplice Village Global CapitalG Lakestar Company Capital OMERS Ventures Serena Ventures MONASHEES Preston-Werner Ventures 645 Ventures Canary BECO Capital Evolution Equity Partners Richmond Global Ventures Iterative Instinct Capital Amara VC DGF IA Capital Group SemperVirens Venture Capital Twenty Seven Ventures 99 Startups 1k(x)Altai Ventures K50 Ventures Yellow Ventures Optimist Ventures Across Capital Partners Igah Ventures ScaleUP Ventures QBE Ventures

Firms observed investing alongside Flourish Ventures, from public investor directories. Shared companies are the overlap with Flourish Ventures's recorded portfolio.

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