Led · Debt Financing · May 2026

Gaia combines AI-trained clinic matching and personalized success forecasts with outcome-protected financing for fertility care. Its plans price the probability of success rather than the number of procedures and, for IVF, cover the next cycle at no extra cost if a member's cycle fails; embryo transfer plans include unlimited transfers until a live birth. For egg freezing, Gaia guarantees a target number of retrieved eggs based on individual biomarkers and funds a second cycle if the target isn't met. Patients can pay upfront or finance treatment over five years. The platform uses AI trained on millions of anonymized historical data points to direct patients to clinics optimized for their profile and generate personalized success forecasts. Gaia has surpassed 1,100 memberships across 200 clinic locations in 40 U.S. states and also offers an enterprise benefit product for employers.

Participated · Debt Financing · Mar 2026

Vuelo offers an AI-native platform that replaces traditional search with a proprietary engine that combines discovery, booking, personalised financing, and in-trip support. The platform embeds personalised, interest-free instalment plans (three to twelve months) into trip recommendations, with a risk engine pre-authorising payment options before customers view offers. Vuelo plans an in-trip AI assistant to make personalised dining and activity recommendations and to feed preferences back into its personalisation and risk systems. The company reports onboarding thousands of new travellers each month and cites a large addressable BNPL market opportunity. Founded in 2025 and based in London, Vuelo intends to use the recent funding to accelerate growth and scale its product across the UK and US.

Led · Debt Financing · Aug 2024

Founded in 2015 and headquartered in Boston, Massachusetts, Lendbuzz leverages artificial intelligence and machine learning to evaluate non-traditional data and extend vehicle loans to borrowers who are often overlooked by conventional credit models. Its platform processes large data sets to more accurately predict a consumer’s credit profile, benefiting both consumers—through expanded credit access—and auto dealerships via increased sales. Since launching its asset-backed securitization (ABS) program in late 2021, the company has completed more than $2.4 billion of publicly syndicated ABS transactions across eleven deals, providing diversified funding for continued loan origination. Lendbuzz structures these securitizations around pools of loans secured by new and used cars, light trucks, and vans. The firm’s growing investor interest underscores market confidence in its underwriting technology and loan performance. By expanding its capital base through repeated ABS issuance, Lendbuzz aims to scale its mission of fair credit access for millions of potential car buyers.

Participated · Debt Financing · Aug 2024

PayZen provides interest- and fee-free installment loans that let patients pay healthcare bills over time, integrated directly into medical record portals like Epic’s MyChart. The company positions its product as a way to make care more affordable while improving provider collections through tighter system integration. PayZen says revenue has expanded sixfold in each of the past two years and it now works with more than 60 health systems and large physician groups, including Geisinger and CommonSpirit. The startup reports that providers who work with PayZen increase their collections rate by 35%. Product expansion includes a recently introduced pre-care card for deposits and use of data and AI to identify patients who qualify for government financial assistance. PayZen closed a $32M Series B and paired the equity with a $200M warehouse credit facility to support growth and operations, and the deal values the company upward of $200M. PayZen offers a personalized, no-cost patient financing platform aimed at tackling healthcare affordability and has positioned itself as a pioneer of “Affordability Financing.” The company’s platform was introduced last year and has found strong demand among hospitals and health systems. Since its last round in November 2021, PayZen says it has doubled its revenue every month, a metric it attributes to rapidly accelerating industry demand. The company expanded its warehouse facility to meet growing provider demand and to directly improve the financial well-being of millions of U.S. healthcare consumers. PayZen plans to use the new capital to scale operations and product development and to accelerate its mission to make personalized, affordable payment options broadly available. Leadership emphasizes a goal of becoming the embedded finance platform for the healthcare industry. PayZen provides a 'care now, pay later' platform that leverages artificial intelligence to underwrite patients’ medical debt and create individualized, interest- and fee-free installment plans. Hospitals can offer these plans while keeping the financing costs on their own books, and PayZen says its underwriting increases payment adherence and reduces administrative costs. Geisinger Hospital reported a 23% increase in payment collection after implementing PayZen. The company was founded in 2019 by Ariel Rosenthal, Itzik Cohen (CEO), and Tobias Mezger; Cohen previously led consumer debt fintech Beyond Finance. PayZen currently has about 35 employees and expects to grow to roughly 100 by the end of next year. The startup, which launched its product less than a year ago, expects to announce a significant product expansion in January. PayZen provides a digital platform that pays hospitals upfront for patient invoices and offers patients zero-interest, fee-free payment plans. The system integrates into hospital systems and is designed to be seamless for both patients and hospital administrators. PayZen deployed an AI-backed technology platform through partnerships with RMS and Vim. Those partnerships have allowed the company to reach hundreds of hospital systems and thousands of patients across the country. PayZen came out of stealth after being incubated with Viola Ventures in 2019 and is led by founders Itzik Cohen and Tobias Mezger. The company raised $5 million in seed funding from investors including Picus Capital, TWO39 Ventures and others.

Led · Debt Financing · Apr 2024

Hokodo offers a digital accounts receivable management platform that enables B2B merchants and marketplaces to provide instant and flexible payment terms. The platform consolidates payments, collections, credit insurance, fraud management and financing to facilitate instant B2B credit across sales channels. The company says its service drives customer growth by making business-to-business credit available across all sales channels. Fueled by growing buyer demand for omnichannel B2B experiences, Hokodo has recently developed new products and features for sales channels beyond online. On April 23, 2025, Hokodo raised €10M in funding. The company intends to use the proceeds to finance product innovation and increase operational capacity in preparation for a Series C round. Hokodo, established in 2018, provides a digital platform that enables B2B buyers across the UK and EU to defer payment by 30, 60 or 90 days and offers modular Pay in Instalments and Pay Now features. The platform streamlines the order-to-cash process, makes credit decisions in real time, protects merchants against bad debt, and offers working-capital finance options. Merchants that integrate with Hokodo see on average a 40% increase in revenues, and the company has processed payments for more than 50,000 business buyers. Hokodo has forged partnerships with BNP Paribas, Citi and SCOR, acquired a Lithuanian payments company in 2023 and became an EMI, and is expanding operations across Europe and North America. With a new €100 million debt facility from Viola Credit, Hokodo will facilitate more than €1.5 billion of B2B transactions over the next 24 months. The financing will support continued roll-out and expansion of its embedded Pay Later and Pay Now offerings for B2B merchants and marketplaces. Hokodo provides Buy Now, Pay Later solutions to the B2B market, enabling business customers to access instant, interest-free payment terms. The company serves merchants via online channels and is developing BNPL solutions for telesales and in-store purchases. Hokodo is a leader in the UK and is actively expanding into continental Europe. Recent merchant onboarding includes Paris Fashion Shops in France and Katoo in Spain, following earlier launches with Ankorstore in Belgium and the Netherlands. The company plans to use new funding to enter additional European markets and to build out new B2B products and channels. Hokodo is led by Louis Carbonnier and Richard Thornton and is pursuing category leadership in B2B BNPL across continental Europe. Hokodo is a fintech that enables B2B merchants to offer instant, B2C-like "Buy Now Pay Later" payment terms through API integrations. Its platform automates the order-to-cash cycle — from credit checks to collections and working-capital finance — and protects merchants against non-payments. Merchants using Hokodo report an average 40% increase in revenue. The company’s solutions are backed by Lloyd’s of London via the Channel Syndicate, a unit of SCOR SE. Hokodo targets a large Western European B2B market (>$12 trillion total, $680 billion online) and estimates a $15 billion revenue opportunity. The firm was founded in 2018 and operates with a team of over 30 people in London and Paris, with plans to double headcount by end of 2021 and grow another 100% in 2022. Hokodo makes invoice insurance accessible to SMEs by enabling protection of single invoices rather than insuring entire turnover. It uses data science and machine learning to underwrite invoice-level risk and distributes products via APIs embedded in accounting, invoicing and sales platforms. The company has developed HokoScore, a proprietary credit-scoring algorithm to help businesses assess client and supplier creditworthiness. Hokodo launched its technology in the UK in October 2018 and has established partnerships with Centrifuge and CountingUp. A €2.0m Horizon 2020 grant will fund launches of invoice protection and HokoScore in France and Germany within 12 months and will support development of two new trade credit products due by the end of 2019. Financially, the company previously raised €2.1m in seed funding led by Anthemis.