James Gutierrez

ceo/co-founder, OCHO. Founding ceo, Aura and Oportun.

📍 United States🔄 Updated September 2026💼 3 investments📅 21 years investing🗓 Last invested Nov 2020
VC🌍 United States
3
Total investments
1
Early stage
2
Mid stage
0
Late stage
21y
Years active

Portfolio

3 investments · sorted by recency
All investments
Early stage
Mid stage
Late stage
Investor
Nov 2020
Finix is a payment processor that makes it easy for software platforms, marketplaces, and individual businesses of all sizes to accept payments and send money while maximizing revenue and reducing costs. Finix is trusted by startups and publicly traded companies alike to build and scale their payments infrastructure. Headquartered in San Francisco, Finix is a privately held company with funding from American Express Ventures, Bain Capital Ventures, Homebrew, Inspired Capital, Lightspeed Venture Partners, Sequoia Capital, Visa, and more.
Board Member
Nov 2012
Tricolor Auto Group (“Tricolor”) is a mission-driven company that utilizes advanced data analytics and technology to advance financial inclusion to a highly underserved Hispanic market and offer responsible, affordable, credit-building loans to individuals with no or limited credit history. It sells and finances high quality, certified used vehicles through its brands, Tricolor in Texas, Ganas in California and Ganas Ya. We are a family brand laser-focused on putting Trust (one of our core values) back into this industry. Tricolor has been featured in Inc. Magazine for 4 consecutive years as one of the fastest growing companies in America. In addition, in 2018 was named Best Entrepreneurial Companies in America by Entrepreneur Magazine’s 2018 Entrepreneur 360 List. Tricolor is always looking to continued to attract and recruit top talent to help us continue on this journey. We continue to innovate on a daily basis with the objective of being most innovative company within our segment. Come join us in this journey! Headquartered in Dallas, Tricolor, together with its affiliates, Ganas and Ganas Ya, under the Ganas Holdings umbrella operate forty retail dealerships across twelve markets in Texas and California, as well as an operational center in Guadalajara, Mexico. Tricolor and Ganas have served 50,000 customers and disbursed nearly $1B in affordable auto loans by using its proprietary model to segment risk. Tricolor truly understands the importance of delivering the best possible customer experience which is one of the core guiding principles that has helped Tricolor stay at the top of its industry.
Seed Investor
Aug 2005
At Trulia, we believe that when it comes to finding a home, what’s outside the front door is just as important as what’s behind it. That’s why we go beyond the typical listings, by sourcing insights straight from locals and offering over 34 neighborhood map overlays, to give people a deeper understanding of what living in a home and neighborhood is really like. We help them discover a place where they will love to live and where they will feel more connected to the community and to each other. It’s why we strive every day to help build a more neighborly world. Launched in 2005, Trulia is based in San Francisco and is owned and operated by Zillow Group.
Experience · 8 entries
All (8)
Investments (3)
Founder (3)
Board (1)
2021
Co-Founder / CEO
Apr 2021
Credit-Building Auto Insurance. We help people find, get and keep the insurance they need. Everyone deserves a Fair Start.
early stageInsurance
2020
Investor
Nov 2020
Finix is a payment processor that makes it easy for software platforms, marketplaces, and individual businesses of all sizes to accept payments and send money while maximizing revenue and reducing costs. Finix is trusted by startups and publicly traded companies alike to build and scale their payments infrastructure. Headquartered in San Francisco, Finix is a privately held company with funding from American Express Ventures, Bain Capital Ventures, Homebrew, Inspired Capital, Lightspeed Venture Partners, Sequoia Capital, Visa, and more.
2013
Co-Founder, CEO, Board of Directors
2013
Aura provides affordable, credit-building loans to working families in America. Aura, a Community Development Financial Institution (CDFI), is proud to be a part of the financial technology community, delivering innovative solutions for fairness and financial inclusion. Most financial institutions see borrowers as simply a credit score. At Aura, we see the whole you. We see your potential and your dreams, and we will help you get there. Our borrowers want to make a better life for themselves and their families. Aura is here to make sure that borrowers have a true partner on their financial journey. Aura serves low and middle income communities at risk of being left behind. We have provided hundreds of thousands of affordable loans since launching in 2014. We are available in over 1,200 locations across California, Texas, Illinois and Arizona. Over two-thirds of Aura’s customers grow their credit score by an average of 312 points from their first to second loan. Aura will build on this success by further empowering borrowers, putting them on the road to financial security, and helping them to achieve their dreams.
2012
Board Member
Nov 2012
Tricolor Auto Group (“Tricolor”) is a mission-driven company that utilizes advanced data analytics and technology to advance financial inclusion to a highly underserved Hispanic market and offer responsible, affordable, credit-building loans to individuals with no or limited credit history. It sells and finances high quality, certified used vehicles through its brands, Tricolor in Texas, Ganas in California and Ganas Ya. We are a family brand laser-focused on putting Trust (one of our core values) back into this industry. Tricolor has been featured in Inc. Magazine for 4 consecutive years as one of the fastest growing companies in America. In addition, in 2018 was named Best Entrepreneurial Companies in America by Entrepreneur Magazine’s 2018 Entrepreneur 360 List. Tricolor is always looking to continued to attract and recruit top talent to help us continue on this journey. We continue to innovate on a daily basis with the objective of being most innovative company within our segment. Come join us in this journey! Headquartered in Dallas, Tricolor, together with its affiliates, Ganas and Ganas Ya, under the Ganas Holdings umbrella operate forty retail dealerships across twelve markets in Texas and California, as well as an operational center in Guadalajara, Mexico. Tricolor and Ganas have served 50,000 customers and disbursed nearly $1B in affordable auto loans by using its proprietary model to segment risk. Tricolor truly understands the importance of delivering the best possible customer experience which is one of the core guiding principles that has helped Tricolor stay at the top of its industry.
2005
Partner
Sep 2005
Great Oaks Venture Capital is a seed-stage investment firm committed to identifying, financing and developing early stage growth businesses led by promising entrepreneurs. Based in New York City, Great Oaks was founded by Andrew K. Boszhardt Jr., a financial entrepreneur with approximately 40 years of capital market experience. Typical investment size ranges from $50K to $500K at pre-seed, Seed and Series A. Select Investments include: Acorns, Allbirds, Bolt, CourseHero, EquipmentShare, Fetch Rewards, Flatiron Health, Ibotta, Maven Health, Virta Health, Vise, Workrise (formerly RigUp)
Show all 8 entries ↓
Investment activity
2005–2020 · 3 investments
200512012120201
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