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News articleCrunchbase News

Exclusive: Fintech Offers Startups Alternative To Venture Debt With A New Model To Finance Customer Acquisition Costs

View original at news.crunchbase.com

What we drew from this source

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  • Venture capital only serves the top 1% of tech businesses; more than half of the remaining 99% could potentially be underwritten by Skalar's product, which currently lack access to capital.

    60% confidence
  • Skalar has become expert at understanding which customer acquisition risks are sufficiently predictable and profitable to be underwritable.

    60% confidence
  • Capital flowing into and out of the growth stage has left strong-performing Latin American companies struggling to raise the equity needed to keep growing; Skalar fills that gap.

    60% confidence
  • Skalar only gets repaid as the financed companies get repaid by their customers.

    60% confidence
  • Monashees does not have access to the confidential operating data that startups provide to Skalar during its evaluation process.

    60% confidence
  • The best companies match capital sources to uses: equity for unstructured R&D bets, duration-matched capital for predictable investments like customer acquisition; most Latin American tech companies have never had that choice until Skalar.

    60% confidence
  • Skalar's structure is different because it absorbs most downside risk, which incentivizes it to avoid burdening client companies with credit risk.

    60% confidence

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What we know · the intelligence behind this page
Live from the substrate
What we're seeing
Enterprise Software Races to Govern and Consolidate Around Agentic AI
Enterprise software vendors are repositioning around autonomous AI agents. Salesforce is acquiring Braze, ServiceNow is launching agent governance tools (AI Passport, Super Intelligence Control Tower), SAP is pushing its 'Autonomous Enterprise', and Zeta is launching AthenaOS and its own inference model. Palantir is embedding itself in banking, aviation and sovereign AI infrastructure through partnerships with Customers Bank, Surf Air, Ondas and Armada. Governance, data sovereignty and enforced policy are emerging as preconditions for regulated sectors like finance. Investors such as Norwest see room to disrupt ERP and finance software, and they caution that AI should not be trusted with financial calculations. Consolidation and shareholder disputes (Salesforce/Braze, Tiny/Oso Cloud, ZenaTech/Boardwalktech) show the market reshaping.
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EPKINLY Regulatory-Clinical Success Cascade
High probability of expanded label indications, additional combination approvals, and competitive positioning strength in follicular lymphoma market. Predicts positive commercial uptake and potential accelerated review for related indications.
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Where sources disagree
ING Group
Both facts record the same metric (shares_outstanding) for ING Group at the identical observation date (2025-12-31). FACT A states 2,902,437,688 shares; FACT B states 2,902 million shares (2,902,000,000). The difference is 437,688 shares (~0.015%). This is a genuine value conflict, though the discrepancy appears to result from FACT B rounding to the nearest million while FACT A provides the precise count.
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