CURQL + FINTECH
Here at Curql Collective, we partner with fintech pioneers looking to transform financial services.
Moving forward is always the goal.
Leveraging our extensive reach within the industry, we connect your fintech with dozens of large, progressive credit unions willing to pilot, invest in and utilize what you bring to the table. Investments are powered by our Curql Fund I, the only venture fund comprised exclusively by and for credit unions for fintech.
With Curql Collective, your fintech also has access to advisors that can help you better understand credit union industry regulations, key players, and the benefits of becoming a CUSO to serve the industry.
Curql Accelerate powered by
Curql Accelerate invests in five companies per cohort innovating in fintech. In addition to a $100K investment, each participating startup will receive 12 weeks of concierge, mentorship-based programming, and deep industry connections with credit unions
Fintechs we’ve invested in
Eltropy enables Financial Institutions to digitally engage in a secure and compliant way. Using our world-class digital communications platform, Credit Unions, Banks, Debt Collectors, Insurance Companies, Lenders and FinTechs can improve operations, engagement and productivity. Eltropy also integrates with IT systems, such as Symitar and Corelation, and uses Analytics to provide member engagement insights. Eltropy is built on 5 Pillars, Workflows, Automation, Integrations, Compliance & Security.
Illuma Labs is a Credit Union Service Organization (CUSO) and R&D company headquartered in Plano, Texas. They deliver real-time voice authentication and fraud prevention solutions for credit unions through our flagship product, Illuma Shield™.
Caribou provides a secure digital platform that makes it easy for our customers to see exactly how much they can save and complete the refinance process quickly, all from the comfort of their home. What’s more, we do all the heavy lifting, including paying off the old lender as well as re-titling the vehicle, saving our customers those dreaded trips to the DMV.
Nymbus enables banks and credit unions of any size to accelerate growth through new routes to market. This includes a full suite of banking technology applications available to modernize and optimize existing channels, as well as the operational resources to get to market quickly with a full-scale digital bank immediately positioned at capturing new niche customer segments. Whichever growth path you choose, Nymbus buys back decades of lost time and accelerates your ability to engage and support the entire customer journey.
Clutch (WithClutch) aims to transform Credit Unions into FinTech lenders and turn recapture on auto-pilot. Clutch’s SaaS will automatically and intelligently surface loan savings opportunities to Members, while providing visibility into analytics and automated follow to abandoned applicants. Clutch is highly customizable and easy to implement. It leverages existing touchpoints – loan application portals, online & mobile banking, campaign services, as well as branches and the call center – to recapture loans Members have elsewhere.
Zest software helps credit unions go beyond traditional credit scores’ statistical and data limitations to identify good borrowers often overlooked by legacy techniques. Credit unions that lend using Zest-built models have seen 15% to 20% increases in approval rates with no added risk and up to 30% reductions in charge-offs by using more of their data and the advanced math of machine learning.
DefenseStorm provides cybersecurity, cybercompliance, and cyberfraud solutions specifically built for banking to achieve and maintain cyber safety & soundness. The DefenseStorm GRID is the only co-managed, cloud-based and compliance-automated solution of its kind, operating as a technology system and as a service supported by experts in FI security and compliance. It watches everything on a credit union’s network and matches it to defined policies for real time, complete and proactive cyber exposure readiness, keeping security and fraud teams smart and executives accountable.
Posh was founded in 2018 by Karan Kashyap and Matt McEachern out of MIT with the vision to empower community financial institutions through intuitive, conversational AI. The proprietary conversational AI fosters an enjoyable and efficient banking experience for users. Posh is rapidly growing, partnering with more than 40 financial institutions to deploy web-based and mobile-based digital agents in addition to voice assistants. Posh is headquartered in Boston. Learn more at posh.tech.
LoanStreet is the first fully integrated online platform that streamlines the process of sharing, managing, and analyzing loans for credit unions, banks, and direct lenders. LoanStreet was founded with the mission to create a more efficient, transparent, and robust way of administrating loans and connecting the lending market.
PatientFi partners with healthcare practices to offer patients a financing alternative to pay for out-of-pocket medical expenses. Today with a nationwide partnership network of healthcare practices, PatientFi’s platform seamlessly connects qualified loan applicants to credit unions interested in growing their lending portfolio and adding new members.
Facteus is the leading provider of synthetic data technology and data monetization for credit unions to accelerate adoption of cloud big data, AI/ML, and advanced analytics.
Silvur is an award-winning retirement platform designed to support Americans age 50+ navigating modern retirement. Our #1 goal is to help Americans retire confidently through the use of easy-to-understand retirement education and personalized data-driven calculators to demystify the process of preparing for retirement. With our white labeled partnerships we can help credit union members improve their financial wellness in retirement.
Equipifi is a leading fintech SaaS powering credit unions with BNPL solutions that align with their debit cardholder’s payment preferences and financial goals.
Credit Mountain is a digital credit counseling solution that allows Credit Unions to give their members personalized guidance at scale. Credit Mountain offers declined borrowers a “Path to Approval” and potential/existing members guidance on how the Credit Union can help better their financial lives.
Tru Treasury is a full-service treasury management provider, offering end-to-end treasury program support including program structuring, treasury products, technology platforms, training, risk management, and treasury product sales & operational support. Tru Treasury helps enable credit unions to launch and support business solutions for business members, more effectively, more quickly, and at a fractional price-point.
Fintainium is a cash flow management platform for small and medium-sized businesses (SMBs) featuring AP automation, AR Invoicing, Collection, and reconciliation. Fintainium offers embedded payments and lending on the platform to bring valuable transaction revenue and deposit streams to CUs.
Coviance is a proprietary, technology-focused lending platform that injects speed and efficiency into the lending process, greatly enhancing the member experience. Based in Des Moines, Iowa, the rapidly-growing company is focused on helping credit unions keep lending local through automation and intelligence technology. To learn more, visit coviance.com.
Neural Payments is a fintech partner that assists credit unions in adopting change at or ahead of market pace. Neural Payments offers a peer-to-peer payments solution that improves the member experience by allowing cardholders to send money to anyone they choose without the need for a third party app.
BankBI is a cloud-based out-of-the-box financial performance management application delivered via a software as a service (SaaS) subscription model.
It’s available on any device, anytime and anywhere and offers senior management in credit unions the ability to measure, monitor and manage their business in real time using industry standard ratios and dashboards. It ingests, transforms, and reconciles data from multiple sources in an automated way to deliver daily dashboards showing performance by a range of metrics including branch, product, member type against budget, past periods, peer groups and other configurable measures.
It relieves pressure on the CFO to deliver timely and accurate financial, management and board reporting to deliver efficiencies, reduce errors and eliminate key person dependencies in the finance and other departments.
Total Expert delivers purpose-built CRM and data-driven engagement solutions for more than 175 modern financial institutions. The platform unifies data, marketing, sales, and compliance solutions to provide a cohesive experience across the member lifecycle. Total Expert turns insights into actions to increase loyalty and drive growth for credit unions, banks, lenders, and other financial services firms.
Ever Green 3C
Build financial literacy with your members and in your community through interactive content delivered via web, mobile, or in person. Ever Green 3C builds financial education solutions specifically geared toward teens and young adults that your credit union can leverage. All content is created by certified financial educators and branded to look and sound like you. We know you’re busy, let Ever Green 3C help you with your educational content so you can focus on what’s most important—taking care of your members.
Spave® is the first-ever all-in-one financial wholeness app – a personal ecosystem – that allows users to effortlessly save and give as they spend, increasing their confidence with personal financing. The app’s features – purchase tracking and analysis, setting goals, donating to causes, group giving, rewards, and statistics – provide education to the user on their habits, motivating them to use the app to make more healthy, well-balanced decisions.
We enable enterprises to build and deepen customer engagement by delivering personalized, context-relevant journeys across the customer lifecycle. The system is powered by data insights and orchestrations generated through augmenting enterprise customer data with 3rd party, open and device-level datasets without privacy, interoperability or data movement concerns and complexities.
The best digital banking experience from end to end.
Built for banks and credit unions, Bankjoy delivers a seamless digital banking solution including mobile and online banking, online account opening, online loan applications, statements and Conversational AI.
AKUVO is the creator of Aperture, a modern, cloud-based collection platform powered by data and analytics. Built by a team of individuals, each with more than 20 years’ experience, the company takes a visionary, behavior-based approach to credit risk and delinquency management through its products and consulting services.
Bowery Valuation is the modern appraisal firm, powering best-in-class appraisers with cutting-edge software to appraise faster and smarter.
Foro democratizes access to capital by streamlining the commercial lending process for all parties. Using a proprietary algorithm, Foro connects growing businesses seeking commercial loans with the right lenders based on business fundamentals, loan size, industry expertise, and other critical factors. Foro has removed unnecessary complexities to streamline the process and enable businesses to select from leading financial institutions, speeding up the upfront process and gathering critical information at the outset. For lenders, Foro identifies high-quality and prescreened businesses actively seeking growth capital that fit a financial institution’s lending criteria. Our platform requires no integration or formal training, allowing institutions to connect with businesses within hours.
Nickels helps credit unions improve their members’ third-party credit card health and refinance third-party credit card debt. This starts by analyzing credit unions’ checking account data to identify which members are revolving with third-party card providers. Nickels then provides marketing playbooks and online tools to reach third-party revolvers, refinance their debt, and improve their credit card health.
Constant harnesses the power of automation and AI to help credit unions unlock new revenue, slash operational costs, and eliminate labor-intensive, manual work in loan operations. For credit unions, the result is higher member engagement and self-service, happier operations teams focused on important member work rather than repetitive tasks, and the ability to grow without adding new staff. Constant integrates with a credit union’s existing online banking and core systems to deliver a real-time, digital, self-service experience.
Chimney allows financial institutions to uncover opportunities, engage account holders, deliver offers, and speed up approvals. Millions of people use Chimney’s combination of award winning technology and modern data across thousands of website and within digital banking apps. Chimney’s financial tools and APIs allow account holders to track home value, understand borrowing power, and get personalized offers – all right within their banking app.
RenoFi is the renovation enablement platform company that empowers lenders to offer best-in-class financing solutions that better meet the needs of today’s homeowners. The company offers the only end-to-end loan origination and underwriting platform specifically built to enable renovation lending, allowing homeowners to borrow against their home’s after-renovation value, instead of the home’s current value, increasing borrowing power by 11x on average. The company is backed by leading investors including Canaan, First Round Capital, NYCA Partners, Curql, & TruStage Ventures.
BlastPoint builds AI-driven, predictive customer intelligence used by teams new to AI analytics. Designed for industries with high regulatory needs that serve a full cross-section of society, like the financial and energy sectors, BlastPoint’s platform enables users to understand which customers will adopt new technologies, which are likely to churn, and which are likely to engage with new products – providing ROI-focused suggestions on which customers to contact, what to say, and best outreach channels. BlastPoint’s models carry no PII and account for equity.
Greenlight is the family fintech company on a mission to help parents raise financially smart kids, offering an award-winning banking app and debit card that teaches kids how to earn, save, give, and spend wisely. Greenlight for Credit Unions is a family banking solution designed for credit unions to help the next generation of members build healthy financial futures. With Greenlight for Credit Unions, credit unions can offer Greenlight’s suite of family banking and education products for free to their members, helping them engage the next generation and better serve families.
Provision IAM provides a RegTech, Risk and Security solution specifically built for Credit Unions to efficiently strengthen back-office operations by systematizing identity access management and governance. Credit Unions manage hundreds of systems. Provision IAM’s unique cloud-based solution automates the tedious tasks of security audits and user access management, freeing up employees for more important duties. Provision IAM increases compliance and security while reducing audit prep time.
PortX is an integration technology company focused on financial services infrastructure that delivers open access to core data and enables rapid project delivery, innovation, and optimal customer experiences. Our solutions facilitate interoperability between internal systems and member services such as online banking, credit checks, mortgage and loan applications, and more, allowing for a real-time 360-degree view of the customer. We help financial institutions empower their teams to connect to fintech partners and real-time payment networks like Zelle®, ACH, Fedwire, Mojaloop, and others.
Pulsate is a mobile-first, personalized member engagement platform, enabling customers to optimize revenue and engagement through their digital channels with data-driven, personalized, localized and relevant mobile marketing communications. Pulsate works with over 270 credit unions and community banks reaching 20 million consumers.