Embedded Finance Investors
CapLink tracks 54 active investors with a stated focus on Embedded Finance, forming a well-defined sub-segment of the venture market.
The mix is led by VC, PE/Buy-Out and Business Angel, alongside 4 other investor types. Deal coverage spans Pre-Seed through Secondaries, with the largest concentration at Series B.
Investor headquarters cluster in France, Canada, Switzerland, India and South Africa, with activity across 194 countries in total. Ticket sizes range from roughly $5K to $300M, covering early angel cheques through to growth-stage rounds.
Use the pre-filtered database below to explore every Embedded Finance investor on CapLink, or sign up to unlock contact details, ticket sizes and detailed investment criteria.
Embedded Finance investor database
54 investors matched for Embedded Finance. Sign up to unlock contact details and full profiles.
| Investor |
|---|
Arc Finance Arc Finance promotes and expands access to financing for energy, water, and other basic needs to build the income and assets of poor people globally, focusing on microfinance and asset finance. |
Acer Finance Acer Finance is principal investment firm specializing in small and medium enterprises. The firm is also into real estate and financial management business. It seeks to invests in robotics, AI, Industry 4.0, and animated films. The firm seeks to invests in France. It was formerly known as Calao Finance. The firm was founded in 1990 and is based in Paris, France, with additional offices in Chartres, France and Bordeaux, France. |
Daba Finance We invest in Fintech, Health tech, SaaS, Logistics Tech, Agritech |
 Calao Finance CALAO FINANCE is an independent management company, approved by the Autorité des Marchés Financiers, dedicated to private equity (SMEs and tangible assets). The investment policy is particularly focused on companies in the lifestyle sector (eg luxury, well-being) and strategic activities (eg cybersecurity, traceability, energy efficiency). Our team is interdisciplinary bringing together financiers, entrepreneurs and business experts. CALAO FINANCE performs Fund Management and Advisory activities on behalf of private, professional and institutional investor clients (FPCI, FCPR, FCPI, FIP, FIP Corse, Mandate de Gestion). |
 Finance Earth Finance Earth is a venture capital and accelerator firm specializing in seed and final stages of investments. It prefers to invest in the United Kingdom. Finance Earth is based in London, United Kingdom. |
 Sofinance spa Sofinance spa is a private equity and venture capital firm, which also provides additional services including leasing, short and long term loans, and business advisory. For its equity investment activities, the firm makes investment in seed/startup, early venture, mid venture, late venture, emerging growth stages, growth capital and recapitalization. The firm invests in any activity of production of goods and services excluding trade and agriculture. It focuses its investments in manufacturing activities (wood, textile), mining (stone, marble, salt), sub-contracting in the mechanical industry, electronics, telecoms, real estate, water production and distribution for consumers and agriculture, and waste management. It prefers to invest in Algeria. It prefers to invest between DZD2 million ($0.02 million) and DZD100 million ($0.77 million). The firm only takes minority stake up to 49%. The firm invests through its balance sheet and the funds it manages on behalf of the Algerian state. It seeks to exit its investments within five and seven year, on the basis of the sale of these shares to shareholders or on the financial market according to the shareholders' agreement. Sofinance spa was founded in 2001 and is based in Algiers, Algeria. |
 A Plus Finance A Plus Finance is a French management company specializing in the real economy. Its expertise covers Innovation (Growth & Technology), Development & Transmission (Small Cap PMEs), Real Estate, Cinema/Audiovisual financing, and Fund of Funds. |
 Infina Finance Infina Finance is an investment company jointly owned by Kotak Mahindra Bank and the Kotak Family. All of Infina’s investments are proprietary in nature. |
Element Finance We finance and can lend up to $10M to recurring-revenue-based companies with a good plan, a track record for growth, low customer concentration and churn, and a clean balance sheet. |
Flutter Finance We invest in and support early-stage companies in the web3 space. Our team specializes in finding and nurturing early-stage projects that have the potential to disrupt traditional finance and commerce.
|
 Gazelle Finance MISSION
Our mission is to create a better financial future for capable entrepreneurs and communities they serve.
OUR VISION
To serve those markets with populations of entrepreneurs who are underserved by the local capital markets, and then provide them with access to well - structured financial instruments and knowhow to enable their companies not to just grow, but achieve their ambitions to dominate their market segment.
Some of Gazelle Finance’s portfolio companies have been negatively impacted by the COVID-19 pandemic, particularly those in the hospitality, tourism, retail, and services sectors. Through targeted capital triage interventions, Gazelle Finance positions our portfolio companies to protect jobs, maintain key supplier relationships, and position them to rebound quickly from the crisis.
Gazelle Finance is committed to carrying out its operations and investments with environmental, social, and governance (ESG) responsibility and with the highest of ethical standards. In case of any complaints, concerns, issues or inquiries regarding any compliance matters, please contact Gazelle Finance's Compliance Officer at grievance@gazellefinance.com
We are a team of seasoned professionals with significant global and local business knowledge and deep SME investment expertise. |
Sheesha Finance We invest in long-term projects at the earliest stage that pave the way for mass blockchain adoption across different border, barriers and ecosystems. As a decentralized VC investing, we aim to diversify our portfolio, investing in DeFi, Gaming, NFT, Real World application and encourage ESG narratives. |
 Wille Finance AG A family office with an entrepreneurial spirit - VC focus on b2b SaaS Series A/B |
 DGME Finances SAS DGME Finances SAS is a venture capital and private equity firm specializing in incubation, seed, start up, early venture, growth capital, turnaround, buyouts, mezzanine and bridge financing. The firm prefers to invest in new information technology sectors benefitting the public sphere, with a focus on website management software, software development, software publishers, software editors, software vendors and security software; healthcare with a focus on pharmaceutical companies; internet retail; online services; consumer discretionary; and in communications equipment and telecommunications services. It typically invests in France. The firm invests between €0.05 million ($0.06 million) and €1 million ($1.29 million) in companies with a maximum enterprise value of €10 million ($13.25 million), maximum EBITDA of €10 million ($13.25 million), and revenues between €3 million ($3.87 million) and €15 million ($19.36 million). It takes equity stake between 35 percent and 40 percent and may also take up to 100 percent stake in companies with annual turnover between €0.5 million ($0.66 million) and €4 million ($5.29 million). The firm provides initial financing and can also make follow-on investments. It also provides advisory services. The firm makes balance sheet investments and personal capital. DGME Finances SAS was founded in 1993 and is based in Paris, France with an additional office Paris, France. |
Embedded Ventures Embedded Ventures is an early-stage deep tech venture capital firm investing in startups in advanced manufacturing, digital engineering, and space operations. We have a 'first of its kind' partnership with the United States Space Force, and a team with firsthand experience as operators in the areas we invest in. |
Finance in Motion Finance in Motion structures, advises, and manages private debt and private equity funds investing in emerging markets, facilitating financing in areas such as climate action, sustainable agriculture, renewable energy, natural capital, biodiversity conservation, microfinance, and affordable housing. We combine classical asset management with externally accredited state-of-the-art impact management, capacity building and expert knowledge – to contribute to the United Nations’ Sustainable Development Goals (SDGs) through tangible impact and create market-based returns. |
FS Finance Suisse Finance Suisse is a multi-client family office. As an independent, boutique investment house with a proven track record in successfully handling complex domestic and international real estate and private equity transactions, as well as cases across a full range of private and commercial matters, we are able to act quickly and to handle complicated mandates without being subject to conflicts of interest.
|
Core Finance Group Core Finance Group is a privately owned investment manager. Core Finance Group is a private equity and venture capital arm of Finance Group 10 Company Ltd. The firm specializes in management and leveraged buyouts, corporate restructurings, cross-border transactions, mezzanine, growth capital, and start-up investments. For private equity investments, it typically invests in logistics, manufacturing, biotechnology, information technology, beverage, and fabric sectors. For venture capital investments, the firm prefers to invest in information technology, biotechnology, healthcare, clean technology, convergence technology, fashion, housing, beauty, dining, leisure, education, and medical service sectors. It seeks to exit through a trade sale or an IPO. The firm also offers advisory services. Core Finance Group was formerly known as Core CRC Co., Ltd. Core Finance Group was founded in 1995 and is based in Seoul, South Korea. |
 Gulf Finance House GFH is a well renowned financial group in the GCC region, with a diversified offering and pioneering track record. Headquartered in Bahrain, GFH’s innovative approach to Islamic investment banking services has been recognised internationally for over a decade. GFH has developed a strong and consistent ability to identify, successfully bring to market and capitalise on a wide range of solid investment opportunities in some of the world’s most dynamic markets and sectors. This approach signifies the Group’s investment insights and commitment to increase the value of its assets, and financial returns to its investors and shareholders.
Since the Group’s inception in 1999, GFH has raised over US$6.2 billion assets and fund under management from its strong client base in four main activities:
Wealth Management;
Real Estate Development;
Commercial Banking; and
Asset Management |
 RSF Social Finance RSF Social Finance is a financial services organization that provides loans and investments to social enterprises and nonprofits focused on food and agriculture, climate and energy, and education. |
 Adamas Finance Asia |
 Initiative & Finance Initiative & Finance, an investor specializing in the transmission of SMEs since 1984. For more than 30 years, Initiative & Finance has been a major player in private equity in France, entirely dedicated to the financing and transmission of SMEs. Nearly 300 investments made, many external growth: Initiative & Finance has unique expertise in the SME segment in France. |
 Network Finances SAS Network Finances SAS is a private equity and venture capital firm specializing in incubation, seed, start-up, early venture, and growth capital investments. The firm seeks to invest in Internet, e-business, mobile, digital media, high technology, business-to-business, and business to commerce sector. It seeks to invest in Europe with a focus in France. The firm prefers to make equity investments between €0.2 million ($0.27 million) and €0.6 million ($0.82 million). It seeks to take a minority stake in its portfolio companies. The firm invests through its personal capital. Network Finances SAS was founded in 2008 and is based in Paris, France. |
Bridging Finance Inc. Bridging Finance Inc. is a private equity firm specializing in mezzanine financing, loans, and distressed investments. It seeks to invest in refinancing, acquisitions, buyouts, working capital financing for growth, recapitalizations, debt financing, exit loans, bridge loans, asset-based loans, inventory financing, factoring and financing for debtor-in-possession financing as part of a restructuring existing debt process. It also manages money for family offices and institutional investors. The firm prefers to invest in middle market and turnaround stages in the companies. It prefers to invest in companies with hard and tangible assets in the real estate (pre-development and term), construction, manufacturing, retailers and distributors, oil and gas services, and transportation sectors. It particularly lend to companies headquartered in North America. The firm generally seeks to invest in companies based in Canada with a focus on the Ontario region. It typically invests between $0.5 million and $30 million but may invest in substantially larger transactions. The firm seeks to provide loans between $0.5 million and $30 million but has the potential to complete substantially larger transactions. It focuses on companies who cannot access capital from traditional financing sources due to industry factors, complexity, size, or other unique challenges. The firm prefers to take majority stake in its portfolio companies. It seeks to exit its investments between six months and three years via refinancing or initial public offerings. Bridging Finance Inc. was founded in 2012 and is based in Toronto, Canada. |
 Digital Finance Group Founded in 2015, a multinational corporation dedicated to digital assets, blockchain technology and a diversified portfolio which includes primary and secondary market (Bitcoin, Ethereum, Ethereum Classic, Circle, EOS, Ripple, LedgerX and Brave, etc.)
Headquartered in Singapore, DFG now has 300 employees in Shanghai, San Francisco, Abu Dhabi, Singapore and Seoul. DFG is managing over $550M AUM to date, with hedge funds outperforming the market average, delivering a 200% ROI in less than 2 years. Meanwhile, the group holds a VC portfolio of excellent blockchain companies, valued over $250M, including renowned global projects like Brave, LedgerX, and Circle among others.
We are also a proud partner of ETC Labs, an incubator for blockchain start ups within the Ethereum Classic ecosystem |
Understanding Embedded Finance investors
What are Embedded Finance investors, and what do they look for?
Embedded finance companies are judged on distribution rather than on product, because the financial products themselves are largely commoditised. What differentiates is which partners you have signed, how much volume flows through them and whether the integration is deep enough that removing you would be a project rather than a decision. Investors ask about partner concentration immediately, since a business dependent on one platform is exposed to that platform's strategy changing. The regulatory model is the second question. Whether you hold permissions yourself, operate as an agent, or provide technology to a licensed institution determines your capital requirements, your liability and your economics. Each arrangement is viable and investors need to know which one applies before assessing anything else. Third, they examine economics after everything is netted out. Embedded finance revenue is frequently shared with the distribution partner, and after that share, payment costs, funding costs and losses, the margin retained can be considerably thinner than headline transaction volume suggests. Investors build that up themselves rather than accepting a summary.
Why Embedded Finance is attracting investor interest
Open banking rules made the plumbing available, and that changed what non-financial companies could offer. European payment regulation obliged institutions to expose account access, which meant a software company could initiate payments or read account data without building a bank, and the resulting products range from checkout financing to accounting automation. The commercial logic is compelling for the distributing partner. A software platform serving a specific industry already knows its customers' revenue, transaction patterns and business health, which makes it better placed to offer payments, lending or insurance than a bank approaching cold. That information advantage is the sector's durable argument. Interest rates changed the picture in ways that favoured the model. Deposits, float and lending margins became genuinely valuable again, which improved the economics of embedding financial products relative to a period when money was free. European supervisors have grown more attentive as the model spread, particularly regarding who bears responsibility when an unregulated distributor sells a regulated product. Investors now examine that allocation carefully rather than assuming it is settled.
Which funding stages Embedded Finance investors are active at
Funding here follows partner signings more than conventional revenue milestones. Seed rounds fund the technology and a first distribution partnership, often with a licensed institution behind the regulated activity. Investors are assessing whether the founding team can sign partners, which is a business development capability rather than a technical one. Series A requires live volume through partners and evidence that the economics work after revenue sharing. Investors examine partner concentration and how long it takes to integrate a new one, since integration speed determines whether the business can scale. Series B and beyond depend on whether volume compounds within existing partners and whether the company has moved from a single product to several across the same distribution. Lending models additionally require debt facilities, and investors assess whether those can be secured on sustainable terms. Later-stage capital comes from fintech growth funds and financial institution strategics. Banks and payment companies are active acquirers, since embedded distribution reaches customers they struggle to serve directly.
Types of investors active in Embedded Finance
Investors specialising in the regulated plumbing of financial services, who understand permission models, partner economics and where liability sits. They are precise about what survives revenue sharing and sceptical of headline transaction volume.
Corporate investors providing the licence, balance sheet or scheme access behind the product. Their participation supplies the regulated capability the business rests on, and with it a dependence on a single institution's risk appetite.
Funds backing industry-specific platforms that embed financial products for their customers. They evaluate the software business first and the financial attachment as a margin improvement, which is a different lens from pure fintech investors.
Essential for any embedded lending model. Their terms determine the unit economics more than the equity round does, and equity investors increasingly want a facility indicated before committing.
Investment arms of processors and card networks with distribution and scheme relationships. They accelerate partner integration considerably and are frequent acquirers of embedded distribution capability.
Ready to reach Embedded Finance investors?
Create a free CapLink account to unlock full investor profiles, contact details, ticket sizes and intelligent matching.