Fluent Ventures
Venture capitalMill Valley · Pre-Seed–Series A · 9 people tracked
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Investment thesis
Fluent Ventures backs global entrepreneurs applying proven business models across different geographies, investing from pre-seed to Series A through a single unified platform. The firm identifies emerging trends and maps global startup ecosystems, seeking companies with early product validation that are beginning to scale. It focuses on fintech, commerce, and healthcare (explicitly excluding biotech). Fluent describes itself as high-conviction and collaborative, able to lead, co-lead, or co-invest, and often partners with local funds. Beyond capital, it offers mentorship, network access, connections among founders pursuing similar models worldwide, and co-investment opportunities. The firm is backed by 75+ unicorn founders, technology luminaries, VCs, family offices, and institutional investors.
Source: firm website, verified Sep 27, 2026.
Team · 9 people
from the firm's website & curated & public directoriesFounder mafia
3 people who came through Fluent Ventures went on to found or lead other companies.
What they invest in
from 20 of 35 portfolio companiesFintech ×12SaaS ×10AI & Machine Learning ×5InsurTech ×4Consumer ×3Enterprise Software ×3Healthtech ×3B2B Marketplaces ×2
HQs:United States×9Brazil×2Chile×1Indonesia×1Mexico×1Nigeria×1
Who they back
founder profiles across 10 portfolio companiesFounding team size:2 founders×13 founders×44+ founders×5
Where their founders studiedfrom 18 founders with education data
FGV - Fundação Getulio Vargas ×3University of California, Berkeley ×3Tecnológico de Monterrey ×2The University of Texas at Austin ×2
What their founders studiedfrom 18 founders with field-of-study data
Business & Management ×6Computer Science ×5Economics ×4Engineering ×4Design & Architecture ×2Finance & Accounting ×2
Where their founders worked beforefrom 20 founders with career history
Capital Factory ×2Katch LLC ×2McKinsey & Company ×2Quinstreet ×2
Investments · 35 tracked
founders shown can be your intro pathBy year:2025 · 12024 · 12023 · 42022 · 17 dated
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(Founder)inChris Britt(Founder)inKatherine Karas(Executive Officer)Matthew Newcomb(Executive Officer)in
BoardJim Feuille(Director)inShawn Carolan(Director)in
Co-investorsAccess Technology VenturesAdventure FundAliya Capital PartnersAmino CapitalAspect VenturesAurum+39 more
Avenia provides cross-border money movement infrastructure connecting Latin America to global markets, offering a single API and web platform to send, receive, convert, and embed payments using local rails like PIX and SPEI.
Crypto & Web3FintechSaaS
Caio El Yanes(Founder)inLeandro Noel(Founder)in
Co-investorsbig_betsQuona CapitalHeadlinePalm Drive Capital
Baton develops AI-powered supply chain management software, including RyderShare, a collaborative logistics platform that provides real-time visibility and exception management for goods in transit across networks.
AI & Machine LearningLogistics & Supply ChainSaaSMiami, US
Chat Joglekar(Founder)in
Co-investors8VCBeaconsfield CapitalMaersk Growth75 & SunnyBloomberg BetaBurst Capital+5 more
Baton provides business valuation tools and services for small business owners, combining an online calculator that uses market data and comparable sales with expert-reviewed valuations.
B2B MarketplacesFintechMarketplacesSaaSRichmond, US
Dylan Gans(Founder)inChat Joglekar(Founder)inJamie Roth(Founder)Koda M Wang(Founder)Andrew Berberick(Founder)Nate Robert(Founder)
Co-investorsBitkraft Esports VenturesBloomberg BetaCoho DeeptechDivergent CapitalFJ LabsGiant Ventures Global Llp+8 more
Alexandar Kayali(Founder)Ibrahim Manna(Founder)Meshal AlOtaibi(Founder)
Co-investorsBECO CapitalClass 5 Global
Clara Travel Pay is a corporate travel payment product that centralizes CTA and virtual card number (VCN) tools, generating single-use virtual cards for each reservation and connecting to travel management companies and global distribution systems.
AI & Machine LearningEnterprise SoftwareFintechSaaSTravel & Hospitality
Gerry Giacomán Colyer(Founder)inCaitlin Swift(Founder)inDiego García(Founder)Diego García Escobedo(Founder)George Favvas(Founder)inGerry Colyer(Founder)
Co-investorsA*Acrew CapitalAdapt VenturesAlter GlobalAvid VenturesBoxGroup+32 more
Jutro Medical operates primary care clinics (POZ) in Poland offering telemedicine and in-person visits under the public NFZ system, with an app for booking appointments and accessing prescriptions, test results, and recommendations.
Digital HealthHealthtechWellness & Fitness
Adam Janczewski(Founder)in
Co-investorsInovo VCKAYAKogito VenturesMarket One CapitalnaturalX Health VenturesRheingau Founders+5 more
Kamino provides financial management software for investment advisory firms (assessorias de investimento), automating commission calculation and payment, bank reconciliation, and consolidated reporting across multiple legal entities (CNPJs).
Enterprise SoftwareFintechSaaSSão Paulo, BR
Guto Fragoso(Founder)inRodrigo Perenha(Founder)inGonzalo Parejo(Founder)inJuliana Strohl(Founder)inBen Gleason(Founder)Benjamin Gleason(Founder)
Co-investorsClocktower VenturesInspired CapitalNorte VenturesPICUS CAPITALPropel Venture PartnersQED Investors+3 more
Kettle builds machine learning models to predict climate change impacts on insurance markets and develops AI-powered insurance and reinsurance products.
AI & Machine LearningClimate TechInsurTech
Isaac Espinoza(Chief Executive Officer)inSon Le(Chief Technology Officer)Andrew Engler(Founder)Andrew Engler Nathaniel Manning(Founder)Nathaniel Manning(Founder)
Co-investorsAcrew CapitalAlumni VenturesAnthemis VentureHomebrewInspired CapitalLowercarbon Capital+2 more
Kin is a personal AI assistant that builds a persistent, evolving understanding of a user's life, offering features like an AI advisory board, guided sessions, natural voice conversations, pattern insights, and a reflective journal.
AI & Machine LearningConsumerWellness & Fitness
Co-investorsMorph CapitalPICUS CAPITALSeier CapitalMaveron
Kin is a home insurance provider that offers both self-service and agent-assisted policy purchase and management for homeowners.
ConsumerFintechInsurTechChicago, US
Sean Harper(Founder)inLucas Ward(Founder)inSebastian Villarreal(Founder)inBret Bret HarperinJason Heidkampin
BoardEric Carlborg(Director)in
Co-investors500 GlobalACTIVATE CAPITAL PARTNERSAlpha EdisonAugust CapitalAvanta VenturesBetter Tomorrow Ventures+26 more
Kredivo provides instant digital credit and personal loans of up to 50 million rupiah, letting consumers pay in 30 days or in 3–24 month installments without a down payment across online and offline merchants.
ConsumerFintech
Akshay Garg(Founder)Alie Tan(Founder)Allie Tan(Founder)Umang Rustagi(Founder)
Co-investorsJungle VenturesKejora CapitalPartners for GrowthPartners for Growth (PFG)Square Peg CapitalVillage Global+3 more
Kueski provides digital lending and payment services in Mexico, offering personal loans and a buy-now-pay-later product (Kueski Pay) for online and in-store purchases without a credit card.
FintechMexico City, MX
Adalberto Flores Ochoa(Executive Officer, Director)inAdalberto Flores(Founder)Leonardo de la Cerda(Founder)in
BoardPeter Kellner(Director)inPatrick Gallagher(Director)in
Co-investorsCapria VenturesCathay InnovationCore Ventures GroupFJ LabsG SquaredGlisco Partners+14 more
minu offers a workplace benefits platform for companies in Mexico, letting HR teams activate over 50 employee benefits such as on-demand salary (earned wage access), savings, food vouchers, loans, telemedicine, and financial education.
FintechFuture of WorkHR TechPalos Verdes Estates, US
Adam Guggenheim(Executive Officer, Director)inChristine Koppinger(Executive Officer, Director)in
Co-investors500 GlobalAccial CapitalCapria VenturesCats.vcClocktower VenturesFJ Labs+14 more
Neon is a Brazilian digital bank offering fixed-income investment products, including certificates of deposit (CDBs) with daily or scheduled liquidity, protected by the FGC deposit guarantee.
Fintech
Pedro Conrade(Founder)Tim League(Founder)
Co-investorsAcross Capital PartnersBackbone VenturesFlourish VenturesMONASHEESPropel Venture PartnersQuona Capital+7 more
Sabi is developing a thought-to-text wearable, a beanie with custom neuroimaging sensors that wirelessly reads brain signals to interpret what the wearer thinks or attempts to speak.
AI & Machine LearningDeep TechHardware
Co-investorsCollaborative FundKhosla VenturesScribble VenturesCommerzVenturesCRE Venture CapitalJANNGO Capital+1 more
Prax Health provides software and services to help healthcare providers start, run, and grow independent practices.
HealthtechSaaS
Meghan Jewitt(CEO)inHeather Wake(COO)inNick Elser(CTO)
Co-investorsCanaan PartnersCity LightFloodgate
Prima is a digital insurance company that built its own platforms and data stack to design and sell insurance cover through an online journey, serving retail customers across Europe.
FintechInsurTechSaaS
Alberto Genovese(Founder)George Ottathycal(Founder)Teodoro D'Ambrosio(Founder)
Co-investorsH Venture Partners
Sabi provides infrastructure and platform services for the distribution of goods and services across Africa's supply chain, offering businesses access to supply chain logistics, financial services, and market insights.
B2B MarketplacesData & InfrastructureFintechLogistics & Supply ChainSaaS
Anu Adasolum(Founder)inAdemola Adesina(Founder)Anu Adedoyin Adasolum(Founder)
Co-investorsAtlantica VenturesCapria VenturesCommerzVenturesCRE Venture CapitalLoftyInc CapitalNimble Partners+10 more
Sidecar Health offers ACA-compliant major medical insurance plans for large employers, providing price transparency and direct access to care through fully insured and self-funded administrative services options.
HealthtechInsurTech
Patrick Quigley(Founder)inVeronica Osetinsky(Founder)inVeronica Gonzalez(Founder)
Co-investorsAlpha EdisonBond Capital ManagementCathay InnovationComcast VenturesDrive CapitalEnsemble VC+7 more
Xepelin offers a digital platform providing working-capital financing to businesses, including invoice advances, supplier payment financing, and supply-chain finance programs.
FintechSaaSSantiago, CL
Guillermo Molina Carvallo(Founder)inFintech SaaS Guillermo Molina Carvallo(Founder)Nicolás de Camino(Founder)inSebastian Kreis(Co-Founder & CEO)inSebastián Kreis(Founder)
Co-investorsAvenir Growth CapitalBattery VenturesCathay InnovationFJ LabsKaszek VenturesKayyak Ventures+14 more
ZenBusiness provides an all-in-one platform combining AI-powered guidance (Velo) with customer support to help entrepreneurs start, protect, and grow their businesses through business formations and compliance services.
Enterprise SoftwareFuture of WorkLegalTechSaaSAustin, US
Ross Buhrdorf(Founder)inShanaz Hemmati(Founder)inRafael Lopez(Executive Officer)inKhadijeh Hemmati(Executive Officer)
BoardJC Glancy(Executive Officer, Director)in
Co-investorsAlpha PartnersAlumni VenturesATX Venture PartnersBreyer CapitalCathay InnovationCleveland Avenue+15 more
Other
Tracked investments with no reachable website or further public details — typically companies that wound down, renamed, or were absorbed.
Canto Technologies Inc.Baton MarketCandosaChimeClaraDealcartFlychainIconicMatbookMatta
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
1 IPOschimebank-ar21NASDAQ: CHYM
Portfolio news
latest coverage across their companiesAvenia · thesaasnews.com · Feb 11, 2026
Jutro Medical · eu-startups.com · Dec 16, 2025
Kin Insurance · finsmes.com · Sep 8, 2025
Frequently asked questions
- How many investments has Fluent Ventures made?
- Fluent Ventures has 35 tracked investments, 1 of which have exited, including 2 dated in the last 24 months.
- What stage does Fluent Ventures invest at?
- Fluent Ventures invests at the Pre-Seed, Seed, Series A stages.
- What is Fluent Ventures's typical check size?
- Fluent Ventures typically writes checks of $250K – $2M.
- What sectors does Fluent Ventures focus on?
- Fluent Ventures focuses on B2B Marketplaces, Digital Health, E-commerce, Fintech, Healthtech, InsurTech, Sector Agnostic.
- Where is Fluent Ventures located?
- Fluent Ventures is headquartered in Mill Valley, US.
- Does Fluent Ventures lead rounds?
- Yes, Fluent Ventures leads investment rounds.
- Who does Fluent Ventures co-invest with?
- Fluent Ventures most often shares deals with Cathay Innovation, FJ Labs, PICUS CAPITAL, among 114 tracked co-investors.
Media · Podcasts & interviews
featuring the teamAlexandre Lazarow | S2 EP14 | Fluent Ventures | How frontier startups are rewriting Silicon Valley
IE University · Alexandre Lazarow
Interview with Alexandre Lazarow, the Managing Partner of Fluent Ventures.
The Kenyan Wall Street · Alexandre Lazarow
Images
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