Michael Nugent

Calculum is a Miami (FL) based FinTech company that helps organizations unlock millions in working capital and generate free cash flow by optimizing payment terms. Calculum’s platform allows organizations to compare themselves with their competitors. With the web-based platform leveraging artificial intelligence, companies can analyze all their suppliers in terms of payment terms, financials, sustainability, ESG (Environmental Social Governance), and seize all the necessary arguments to negotiate more favorable terms. Calculum identifies on average over 12% in working capital benefits and initiatives, positively impacting free cash flow, which can be invested directly in their growth, development, and sustainability programs. Calculum provides its financial supply chain solutions to companies of all sizes, including banks and private equity institutions and their corporate clients globally.

Cork illuminates the environment at the endpoint, identifying attack vectors and tactics for remediation. Our vendor-agnostic insight platform integrates with an existing tech stack via APIs, creating an underwriting model from within.

Intent Data + Real Time Digital Behavioral Science = Intuitive Online Experiences. As users engage with your digital forms and applications, they leave behind behavioral breadcrumbs that tell a story about their intent. ForMotiv captures hundreds of these unique behavioral cues, comprised of thousands of behavioral micro-expressions such as mouse movements, keystrokes, time spent, copy/paste, corrections, and 150+ more while a user is actively filling out a form or application. Our solution is able to read this “digital body language” and translate it into intent data to precisely predict user intent such as genuine, confused, or risky customers. From there, we enable companies to create dynamic experiences that adapt and nudge users, in real-time, based on their behavior to drive the desired outcome. We call this Behavioral Intelligence. Drop us a line to learn more!

Roots agentic AI platform enables insurers to transform their operations with unmatched 98%+ accuracy and speed to automate complex processes. We use pre-trained, insurance-specific AI models to deliver rapid time-to-value, measured in weeks, not months. Today, Roots is used by 3 of the Top 5 P&C Carriers and 3 of the top 10 Brokers to efficiently manage massive amounts of unstructured data while freeing up valuable subject matter experts for more strategic and challenging activities. Roots created InsurGPT - the world’s most advanced fine-tuned Generative AI model, designed specifically for the Insurance market. InsurGPT utilizes a deep corpus of insurance specific data and documents alongside systems and process knowledge to significantly improve the accuracy, speed, and validity of data extraction and inferencing, while reducing false-positives, ‘hallucinations,’ that non-industry specific Generative AI models produce.

Curu enables financial institutions to have more profitable relationships with their clients and grow their core products/accounts. The platform motivates and educates clients to improve their financial wellness which deepens their relationship with the bank provider and increases their "stickiness" as an account holder. This enables financial institution partners to increase and identify cross-sell opportunities as well as recover the lost leads that would have been left unserved.

Acorn Finance is the world’s first embedded lending marketplace for home improvement financing, empowering borrowers, lenders, contractors and software providers to achieve their goals. Borrowers can shop for the best rates from the best lenders, all within a few seconds and fewer clicks. Contractors can increase sales by offering financing to customers at no extra cost to themselves. Software providers to the home improvement industry can add value for contractors and enhance the homeowner’s buying experience by embedding Acorn Finance’s solution within their estimates and invoices. Lenders can reach more homeowners while also testing the ideal rates for optimum engagement.

Jobble is the marketplace for the gig-economy and hourly workforce. Our industry-leading platform connects millions of gig economy workers with hiring companies that offer flexible work opportunities across the country. For more information, visit www.jobble.com.

At Cushion, our goal is to help every customer waste less money, save more, and live a financially healthier life. We plan to arm every consumer with a digital CFO that can manage their finances for them, better than they can. Our first product is tackling bank and credit card fees, a $200-billion problem in the U.S. annually. We leverage artificial intelligence, advanced fee-detection technology, and bank-level security to negotiate with the banks and credit card companies to put money back into people’s accounts—quickly, efficiently, securely, and automatically. Our app supports 15,000 U.S. banks and credit unions, and detects dozens of fees, including overdraft and ATM fees, credit card interest charges, and more. To date, we have gotten our customers more than $12 million in refunds. Cushion is backed by some of the best fintech funds, including Flourish Ventures and Vestigo Ventures, as well as the founders of companies such as NerdWallet, Funding Circle, and Earnest.

Long Game is a loyalty app that rewards members for interacting with their Financial Institutions and its products. Financial Institutions can customize the app to incentivize the actions they want to see, while members can earn cash for financial actions and literacy.

The best small business lending experience starts with Mirador. Our platform powers customer acquisition, digital loan application and digitization, intelligent product routing and pre-screening, data management, and borrower communication. Built exclusively for banks, credit unions and other traditional lenders, Mirador supports all small business loan products including lines of credit, term loans, SBA backed loans, commercial real estate, and collateralized loans for up to $20 million.

Vault provides employers with enterprise-grade tools to hire better and retain employees longer by paying down employees' student loans, contributing to employee 529 plans, providing tuition reimbursement, and more.

BPS Ventures is a pre-seed and seed-stage FinTech VC firm. We partner hands-on with founders from day zero, helping navigate customer development (Build - pre-revenue), go-to-market (Prove - early revenue), and sales optimization (Scale - repeatable revenue). Our focus spans the full FinTech stack—from infrastructure to applications—working side-by-side with teams to build durable, high-growth companies.

Calculum is a Miami (FL) based FinTech company that helps organizations unlock millions in working capital and generate free cash flow by optimizing payment terms. Calculum’s platform allows organizations to compare themselves with their competitors. With the web-based platform leveraging artificial intelligence, companies can analyze all their suppliers in terms of payment terms, financials, sustainability, ESG (Environmental Social Governance), and seize all the necessary arguments to negotiate more favorable terms. Calculum identifies on average over 12% in working capital benefits and initiatives, positively impacting free cash flow, which can be invested directly in their growth, development, and sustainability programs. Calculum provides its financial supply chain solutions to companies of all sizes, including banks and private equity institutions and their corporate clients globally.

Cork illuminates the environment at the endpoint, identifying attack vectors and tactics for remediation. Our vendor-agnostic insight platform integrates with an existing tech stack via APIs, creating an underwriting model from within.

Intent Data + Real Time Digital Behavioral Science = Intuitive Online Experiences. As users engage with your digital forms and applications, they leave behind behavioral breadcrumbs that tell a story about their intent. ForMotiv captures hundreds of these unique behavioral cues, comprised of thousands of behavioral micro-expressions such as mouse movements, keystrokes, time spent, copy/paste, corrections, and 150+ more while a user is actively filling out a form or application. Our solution is able to read this “digital body language” and translate it into intent data to precisely predict user intent such as genuine, confused, or risky customers. From there, we enable companies to create dynamic experiences that adapt and nudge users, in real-time, based on their behavior to drive the desired outcome. We call this Behavioral Intelligence. Drop us a line to learn more!

Roots agentic AI platform enables insurers to transform their operations with unmatched 98%+ accuracy and speed to automate complex processes. We use pre-trained, insurance-specific AI models to deliver rapid time-to-value, measured in weeks, not months. Today, Roots is used by 3 of the Top 5 P&C Carriers and 3 of the top 10 Brokers to efficiently manage massive amounts of unstructured data while freeing up valuable subject matter experts for more strategic and challenging activities. Roots created InsurGPT - the world’s most advanced fine-tuned Generative AI model, designed specifically for the Insurance market. InsurGPT utilizes a deep corpus of insurance specific data and documents alongside systems and process knowledge to significantly improve the accuracy, speed, and validity of data extraction and inferencing, while reducing false-positives, ‘hallucinations,’ that non-industry specific Generative AI models produce.