Founded : 2012

Launched in 2012 , Affirm is a financial technology company headquartered in San Francisco . The company is a financial lender in the sector of instalment loans for consumers and although the jury is out on its valuation – predictions range between US $ 1-10bn – it remains an impressive leader in the digital payments space . The fintech business enables users to take out microloans at the point of sale with participating vendors and aims to provide a quick , transparent , and more inclusive lending alternative to credit cards .

Founded : 2017

SpotOn provides mobile payment technology and management systems for restaurants and small businesses . Launched in 2017 and now with a valuation of US $ 3.15bn , the fintech startup takes great pride in providing one of the only objective and unbiased merchant account review websites on the internet . SpotOn ’ s free app for iPhone and Android devices allows users to check in at events and earn “ spots ” that can be redeemed for prizes as an additional incentive .