Mihkel Karu

Adventurer, sailor and fintech angel, helping founders with product and strategy. EstBAN Investor of the Year.

📍 Estonia🔄 Updated September 2026💼 10 investments📅 6 years investing🗓 Last invested Jan 2024
VC🌍 Estonia
10
Total investments
5
Early stage
2
Mid stage
0
Late stage
6y
Years active

Portfolio

10 investments · sorted by recency
All investments
Early stage
Mid stage
Late stage
Angel Investor
Jan 2024
Get your rental income on-time, every time. Eliminate financial risk with AI-enabled tenant scoring and effectivise cash flow with our guaranteed rent payouts. Built for growth-oriented professional rental operators.
Angel Investor
Nov 2023
WeR1 is a music ecosystem where world-class electronic DJs share their best music exclusively with their biggest fans. WeR1 is the next generation Music Streaming Platform that enables DJs, music producers and fans to fully engage, and earn from the music they love. Fans earn from their playlists, DJs earn from their sets, Artists earn from their tracks, events earn from their digital lineups.
Angel Investor
Sep 2023
Mifundo is a pan-European cross-border platform, connecting people with banks regardless of their location. Our AI will find the credit offers based on client data and will find the best loan terms from banks over the Europe. Our service is novel and game changer - no longer does lending have borders, now the customer can choose the bank between different options from different countries.
Angel Investor
Apr 2023
Complok is an AI-driven SaaS solution that liberates compliance teams from the grind of manual tasks and enables them to focus on what humans do best – making nuanced & strategic decisions. We give financial institutions access to a platform that equips their compliance officers with automated workflows and a single source of truth, allowing them to get a clear overview of compliance risks & status, reduce errors, and save up to 80% of their time on repetitive tasks. With smarter compliance, we empower businesses to get the most from their compliance teams, reduce costs, scale faster & stay ahead of risks.
Angel Investor
Dec 2022
Vespia is an all-in-one KYB/ AML platform for verifying and onboarding business customers. We help AML-obligated businesses understand whom they are dealing with using the power of AI. Vespia is a new standard for AML compliance.
Angel Investor
Nov 2022
Autonomous convenience stores powered by artificial intelligence can change the inefficiency in the retail landscape that causes food waste and a high impact on greenhouse gas emissions.
Angel Investor
Sep 2022
An all-in-one CRM software for real estate agents. Manage all your clients, listings and transactions in one place. Say no to organizational chaos or overly complex software.
Angel Investor
Aug 2022
Salu’s focus is to offer a fast & affordable alternative to a family doctor. Our monthly package includes unlimited consultations with a doctor seven days a week in your preferred language (English, Russian or Estonian), opening a sick leave, getting and renewing prescription drugs, issuing referrals to specialist doctors, and more. In addition to the digital platform, where all communication with the doctor begins, we also offer in-person appointments and lab tests in our clinic.
Seed Investor
Jul 2022
Waiting for the right moment pays off - smart charge your electric vehicle with the cheapest & cleanest electricity!
Angel Investor
Dec 2020
Mighty Fungi is a premium boutique mushroom supplement brand from Estonia, now launching worldwide. We live in the world, where burnout is a new trend, being busy is popular, time and health optimisation are the new keywords. In Mighty Fungi, we strongly believe, that adaptogenic mushrooms are a great tool to: 🌱 tackle your everyday tasks 🌱 boost your cognitive performance 🌱 boost your focus, motivation 🌱 increase your physical activity levels We are shroom advocates with a mission to help people unlock their potential and raise the quality of their lives!
Experience · 15 entries
All (15)
Investments (10)
Founder (3)
2025
Founder
Apr 2025
Banker Jack is an AI-powered financial operating system designed to help European micro-businesses manage their finances, accounting and reporting more efficiently, so they can focus on growing the business.
2024
Angel Investor
Jan 2024
Get your rental income on-time, every time. Eliminate financial risk with AI-enabled tenant scoring and effectivise cash flow with our guaranteed rent payouts. Built for growth-oriented professional rental operators.
2023
Angel Investor
Nov 2023
WeR1 is a music ecosystem where world-class electronic DJs share their best music exclusively with their biggest fans. WeR1 is the next generation Music Streaming Platform that enables DJs, music producers and fans to fully engage, and earn from the music they love. Fans earn from their playlists, DJs earn from their sets, Artists earn from their tracks, events earn from their digital lineups.
Angel Investor
Sep 2023
Mifundo is a pan-European cross-border platform, connecting people with banks regardless of their location. Our AI will find the credit offers based on client data and will find the best loan terms from banks over the Europe. Our service is novel and game changer - no longer does lending have borders, now the customer can choose the bank between different options from different countries.
Angel Investor
Apr 2023
Complok is an AI-driven SaaS solution that liberates compliance teams from the grind of manual tasks and enables them to focus on what humans do best – making nuanced & strategic decisions. We give financial institutions access to a platform that equips their compliance officers with automated workflows and a single source of truth, allowing them to get a clear overview of compliance risks & status, reduce errors, and save up to 80% of their time on repetitive tasks. With smarter compliance, we empower businesses to get the most from their compliance teams, reduce costs, scale faster & stay ahead of risks.
Show all 15 entries ↓
Investment activity
2020–2024 · 10 investments
20201202252023320241
Recent (last 2 years)Earlier