Our Portfolio

  • All
  • Capital Markets & Investments
  • Enterprise Financial Stack
  • Insurance
  • Lending, Credit & Banking
  • Payments
  • Personal Finance
  • Other
  • Real Estate Finance
  • North America
  • Latin America
  • Europe

Align17 makes it easy to participate in impact investing

API to help companies better vet and diligence their customers

Aggregator of online real estate investment marketplaces

Angstroms helps artists make more art happen

Arc offers non-dilutive capital for software startups

Life insurance, wills, and family wellbeing, all under one roof.

BHub is a full back-office SaaS for startups & SMEs in Latam that offers bookkeeping, CFO services, legal and payroll services, enabling businesses to reduce time, costs, and labor associated with administrative functions

Making renting more rewarding, starting with credit building with rent.

Education and recommendation platform helping consumers make great decisions about credit

Brace allows mortgage investors, servicers and borrowers to work together in a frictionless manner

(Acquired by Alliance Data Systems)
Consumer cash flow management mobile application

(Acquired by SE2)
The modern individual insurance distribution platform designed with those who sell and buy in mind

UK Single Family Residential investment platform for institutions and individuals

Employer benefit to improve the financial health of working families

P&C brokerage for 1099 contractors and their clients

Caju offers a voucher solution for companies and employees in Brazil

(Acquired by Deel)
Capbase is a digital backend for startups, simplifying launching a company - from company formation and regulatory filings to equity management and employee onboarding

Caplight enables institutional derivatives for pre-IPO securities

Cardless is building a new way for brands to create custom credit cards for their most valuable customers

Cayena is a B2B marketplace for restaurant supplies in LatAm

Debit card linked digital bank

CircleUp is a data insights company that uses a unique combination of data and machine learning technology to discover and accelerate the growth of the world’s best businesses

Constrafor is a construction back office platform

Copper is the first of its kind all digital bank built specifically for teenagers

Crediverso makes the process of comparing credit cards, credit checks and loans easier to choose what best fits customers’ lifestyles

Cube is the simplest FP&A platform on the planet, empowering finance teams and businesses to deliver faster, more strategic insights that drive the business forward

Digitt offers affordable refinancing and consumer loans to the rising middle class in Mexico.

Divibank  provides loans for businesses’ digital marketing campaigns, underwriting proposals and depositing funds directly into Google and Facebook accounts

Full suite solution to enables small businesses owners to increase efficiency, reduce costs and sell better

Dots is a multi-channel payouts API for marketplaces

Software-enabled analytics for online-originated loans

Merchant climate rewards platform that turns customer spend into an investment in climate change

Software-enabled SMB P&C insurance broker

Automated expense reporting and mileage tracker for the self-employed

FairStreet powers independent Medicare insurance agents

Finch is the API to access payroll and HR systems

Flink is on a mission to democratize financial services for all. Flink is the easiest way to invest, spend, and save your money.

Fringe is a platform for creators to fund and build community driven businesses

Gaia offers fertility insurance for IVF.

AI-powered spend intelligence solution for small business

Global66 offers deep local integrations for interregional and global remittance movement in Latin America

Graviti is a buy now, pay later platform for home appliances, focused on the unbanked population in Latin America.

Guros is a digital insurance marketplace in Mexico that’s transforming the entire insurance experience, from purchasing to managing vehicle insurance

Habi leverages data and technology to simplify the lifecycle of homeownership in Latin America

Pay as you drive car insurance

Jeeves is a bank / expense management solution for international startups

Kala is building the lending infrastructure for LatAm

Kamino is a financial app for SMBs and startups to easily access financial services

Digital investment advisor that provides holistic advice and automates income for modern retirees

Massively improving treasury open banking.

Payments and merchant services API for Latam

Access residential home equity as an asset class via affinity originations

(Merged with Sage Group)
Lockstep connects accounting teams to help them work better together

Combines free automated investing, low cost borrowing, and high yield checking in 1 integrated platform

SaaS helping financial institutions raise deposits and grow customer relationships

Technology driven insurance agency with distribution throughout the lending process

Melio enables B2B payments for SMBs through a variety of digital methods

The world’s most flexible carbon calculation engine – providing automated sustainability solutions for individuals and businesses

Full-stack auto insurer for the underserved population in Mexico

(Acquired by Topia)
Geolocation tax compliance SaaS for enterprises

Monarch is the modern way to manage your household finances

Incentivized private banking experience for the middle class

Investment discovery and comparison platform

Democratising access to financial services for mobility entrepreneurs globally

Morada Uno offers a secure and simple way to rent houses in Latin America

Credit management and provision for SMBs

Reimagining vacation and short-term rental for homeowners in Latin America

Nexu is the leading financing platform for car dealerships in Mexico; approving car buyers in real-time and broadening access to car financing

(Acquired by SEI Investments)
SaaS tools to monitor & conduct due diligence on hedge funds

A next generation OS to automate, simplify, and streamline people operations for hourly, gig, and temp workforces

Nuvocargo is the only all-in-one digital platform for trade across the Americas

(Acquired by Gemini)
Crypto-asset operating platform

Ontop manages onboarding, payroll, and taxes for international teams

Beautifully simple insurance, offered through trusted advisers

Order.co is a guided B2B marketplace with a mission to simplify buying for businesses.

Billing and revenue automation platform for scaling businesses.

Orum provides risk scoring to pre-authorize ACH direct debit

The first-ever fitness rewards platform that adds financial benefit to your physical activity

(Acquired by Ontario Systems)
AI enhanced debt collection software

The world’s first cyber protection company focused on defending independent businesses

Pay any bill automatically by taking a picture of it

Fast go-live treasury and payment operations software for modern companies

A curation layer giving businesses access to global end-to-end payments solutions through one platform, one contract and one API

Plink machine learning determines the willingness and ability of a consumer to pay and adjusts prices on transactions

Verify and validate business customers in minutes for LatAm

Pomelo builds fintech infrastructure for LatAm

(Acquired by OpenDoor)
Saves homeowners money by monitoring and appealing their property taxes

(Acquired by Fifth Third Bank)
Provide is a vertical bank for healthcare practice owners

Title insurance workflow software

Open banking API and platform that gives regulated and un-regulated companies access to global banking

(Acquired by SUMA Wealth)
Empowering people to make their aspirations a reality, debt-free

Resolve facilitates lending at the point of sale for B2B purchases

Digital payment platform for the transportation industry

Salary-on-Demand and Financial Well-being for employees

Runa is the digital value infrastructure that enables individuals and businesses to pay and get paid by anyone, anywhere, instantly.

Data cooperative and universal graph of truth sets for machine learning

Sagewell is building the banking our parents deserve

(Acquired by AlphaSense)
Reinventing equity research workflow

Simplist is a modern mortgage marketplace embracing the unique paths of the next generation of homeowners.

Helping Americans 50+ take control of their data by scanning and organizing receipts, bills, invoices, and important paperwork in one place

Soteris writes machine learning software to more accurately price insurance

Expense sharing and bill splitting mobile application

Sustainable financial behavior change

Staircase develops modern mortgage infrastructure with developer-friendly APIs

(Merged with Optum)
Starship is mobile health savings account (HSA) with automated investing built for humans

The income-building platform for the Build-Your-Own (BYO) workforce, helping people create financial stability and take charge of their future

Save time, money and stress: your e-commerce in 15 minutes

Superfiliate automates the creation of personalized storefronts for creators

(Acquired by Affirm)
Consumer cash flow management mobile application

Enabling e-commerce as a credit card channel

EM-focused consumer unsecured loan originator

An online tax preparation startup offering a fast, low-cost and stress-free alternative to sorting your taxes

Therma builds sensors to protect inventory across the cold chain

Tilled empowers ISVs to monetize the payments flowing through their platforms.

Toku helps subscription-companies in Latin America collect revenue

(Acquired by Ethos Technologies)
Mobile application for trust planning & life insurance

(Acquired by ResourcePro)
A broker-first platform bringing transparency to insurance markets

(Acquired by OneMain Financial)
Messaging service as financial wellness concierge

TripleBlind offers digital privacy as a service, enabled with a simple API.

Truehold is the nation’s leading provider of residential sale-leasebacks.

All-in-one private debt management platform in Latin America

Small Business Embedded Lending Infrastructure for Vertical SaaS & Online Marketplaces

Velotax simplifies the way people handle their taxes

A first of its kind membership plan that reimburses pet parents for their everyday pet care costs

Wethos makes it easy for freelancers to team up and transform their one-person shops into Virtual Studios, from scoping projects to splitting payments

Willay simplifies the onboarding process for getting property insurance allowing insurance companies to close more policies with less work

Z1 is a digital bank for Gen-Z in Brazil.

Meet The Team

Natalie Charney
Natalie Charney

Natalie coordinates for the ventures team across the wider firm, supporting operations, research and content production, and investor relations.

Prior to joining the firm, Natalie taught literature as a Teach For America corps member in New York City. Natalie holds an MA in Teaching from the Relay Graduate School of Education and a BA in Global Studies and Spanish from UCLA.

Ned Daoro
Ned Daoro

Ned focuses on deal sourcing, diligence, and execution.

Prior to Clocktower, Ned worked at MUFG Union Bank in a corporate development role where he executed acquisitions, divestitures and other enterprise-level strategic initiatives. Before MUFG, he worked as an Equity Research Associate at Sandler O’Neill + Partners covering mid and small-cap financial institutions. Ned holds an MBA from the UCLA Anderson School of Management and a BS in Finance from California Polytechnic State University. He lives in Santa Monica with his wife.

Steve Drobny
Steve Drobny

Steve is the Managing Partner of Clocktower Group. He has spent his career as a leader in global macro and alternative investment strategies and is the author of two critically acclaimed books on global macro investing, Inside the House of Money: Top Hedge Fund Traders on Profiting in the Global Markets and The Invisible Hands: Top Hedge Fund Traders on Bubbles, Crashes and Real Money. In recent years, Steve has focused his expertise on building partnerships that connect the global macro investment community with innovative asset managers and technology companies.

Prior to founding Clocktower Group in 2007, Steve built a global macro research business, and previously worked for Deutsche Bank in London, Zurich and Singapore. Steve holds a MSc in Finance and Accounting from the London School of Economics and Political Science and a BS/BA from Bucknell University. Steve lives in Malibu with his wife and three kids, and enjoys surfing.

David Lofthouse
David Lofthouse
Venture Partner

David is a London-based Venture Partner, advising Clocktower Technology Ventures on originations, investment execution and portfolio management in the UK and Europe.

David was previously Co-Founder and CIO of Prologue Capital, a highly successful fixed income global macro hedge fund. David’s earlier career in trading spans JP Morgan, Greenwich Capital and Goldman Sachs. David holds a BSc in Chemical Engineering from the University of Nottingham. David lives in Mayfair with his wife and young child.

Ally McCloskey

Ally is Clocktower Technology Ventures’ Head of Platform. She focuses on bending the outcome curve for portfolio companies by harnessing insights from, and deepening connectivity across, the portfolio, Clocktower Group’s curated and trusted global network, and the financial services ecosystem more broadly.

Prior to Clocktower, Ally worked in Private Capital Markets at FT Partners and as a Venture Fellow at Pear VC while earning her MBA from the Wharton School. Before Wharton, Ally built her career at JPMorgan Chase, most recently as a Digital & Fintech Strategist and Chief of Staff for the Global Technology Strategy, Innovation & Partnerships organization. She had previously been a founding team member of the Corporate & Investment Bank’s FinTech In-Residence program after spending several years in Equity Derivatives Hedge Fund Sales. Ally received her BA in Economics from Vanderbilt University.

Shaneez Mohinani

Shaneez Mohinani focuses on Clocktower Ventures’ climate strategy, investing in early-stage companies that help mitigate climate change, adapt to it, or enable the transition to net zero.

Prior to Clocktower, Shaneez was a climate investor at Pear VC, while simultaneously earning her MBA from the Stanford Graduate School of Business. She also worked at GenZero, Temasek’s decarbonization-focused multi-stage investment platform. Prior to business school, Shaneez spent six years at Goldman Sachs, most recently as Executive Director in the Asset Management Division.

Shaneez holds an MBA from the Stanford Graduate School of Business, and earned her Bachelor’s degree with a major in Finance from Singapore Management University.

Adriana Saman
Adriana Saman

Adriana focuses on deal sourcing, diligence, and execution.

Prior to Clocktower, Adriana was a Strategy Associate in Chase’s Digital Payments team where she worked closely with all consumer-related payment products to develop consolidated roadmaps, business cases, and strategic initiatives. Before joining Digital Payments, she worked at J.P. Morgan as an Investment Banking Analyst focusing on M&A transactions across Latin America. Adriana is originally from Ecuador and holds a BA in Political Science from the University of Pennsylvania.

Ben Savage
Ben Savage

Ben manages Clocktower Technology Ventures and is responsible for all of Clocktower Group’s private market activities.

Ben was previously Director, Investment Associate Program for Bridgewater Associates, where he worked with the firm’s CIOs on strategic priorities, talent development and research. Ben began his career as a VC and private equity investor with Wasserstein Perella. Ben also co-founded Artivest fka Resonance Funds, an online issuer of actively-managed exchange traded vehicles, as well as Waterfall Mobile. Ben holds an MBA from the Stanford Graduate School of Business and a BA in philosophy from Yale University. Ben lives in Bel Air with his wife and two young children.

Charlotte Stephens
Charlotte Stephens

Charlotte focuses on deal sourcing, diligence, and execution.

Prior to joining Clocktower, Charlotte worked at UBS as an Investment Banking Analyst on the San Francisco Technology team where she worked on software and internet M&A transactions. Charlotte is originally from Pasadena, CA and holds a BA in Economics from Harvard College.

Danielle Zhang
Danielle Zhang

Danielle focuses on deal sourcing, diligence, and execution.

Danielle was previously a trader at JP Morgan, focusing on agency mortgage-backed securities (MBS). Before that, she spent time in Impact Investing at the MacArthur Foundation. Danielle received a BA in Economics from the University of Chicago.

Advisory Board

Sebastian Mallaby

Sebastian Mallaby is the Paul A. Volcker senior fellow for international economics at the Council on Foreign Relations (CFR). An experienced journalist and public speaker, Mallaby is also a contributing columnist for the Washington Post, where he previously served as a staff columnist and editorial board member. He is the author of The Man Who Knew: The Life & Times of Alan Greenspan, winner of the 2016 Financial Times/McKinsey Business Book of the Year Award and the 2017 George S. Eccles Prize in Economic Writing. His writing has also appeared in the Atlantic and the Financial Times, where he spent two years as a contributing editor.

Mallaby’s interests cover a wide variety of domestic and international issues, including central banks, financial markets, the implications of the rise of newly emerging powers, and the intersection of economics and international relations. His previous book, More Money Than God: Hedge Funds and the Making of a New Elite, was described by New York Times columnist David Brooks as “superb”; it was the recipient of the 2011 Loeb Prize and a New York Times bestseller.

Marc Schwartz

Mr. Schwartz is currently a Strategic Advisor to Partners Capital Investment Group, a $26 billion global outsourced investment office serving sophisticated institutions and senior investment professionals in Europe, North America, and Asia. He is also a Partner of Unplug Meditation. Prior to Partners Capital, he most recently was the Chief Investment Officer for the Broad family office and the Broad Foundations, managing a global investment portfolio across all asset classes and strategies. Prior to joining Eli Broad, Mr. Schwartz was a Managing Director at Reservoir Capital, an opportunistic investment firm currently managing over $5 billion, where he served in various roles and on a number of fund investment committees and advisory boards. Prior to Reservoir, he was a Vice President of Acquisitions at Internet Capital Group. Mr. Schwartz graduated magna cum laude from Harvard College with an A.B. in Organizational Behavior and received an M.B.A. from the Stanford University Graduate School of Business.

Jeremy Stein

Jeremy Stein is the Moise Y. Safra Professor of Economics and Chairman of the Department of Economics at Harvard University, where he teaches courses in the undergraduate and PhD programs, and serves on the board of directors of the Harvard Management Company.

From May 2012 to May 2014, he was a member of the Board of Governors of the Federal Reserve System. Before coming to Harvard in 2000, Stein was on the finance faculty of M.I.T.’s Sloan School of Management for ten years, most recently as the J.C. Penney Professor of Management. Prior to that, he was an assistant professor of finance at the Harvard Business School from 1987-1990.

He received his AB in economics summa cum laude from Princeton University in 1983 and his PhD in economics from M.I.T. in 1986. Stein’s research has covered such topics as: behavioral finance and market efficiency; corporate investment and financing decisions; risk management; capital allocation inside firms; banking; financial regulation; and monetary policy. He has been a co-editor of the Quarterly Journal of Economics, and the Journal of Economic Perspectives, and on the editorial boards of several other economics and finance journals. Stein is a fellow of the American Academy of Arts and Sciences, a research associate at the National Bureau of Economic Research, and a past member of the Federal Reserve Bank of New York’s Financial Advisory Roundtable. In 2008, he was president of the American Finance Association. In 2009, he served as a senior advisor to the Treasury Secretary and on the staff of the National Economic Council.

Benjamin Weston

Benjamin Weston most recently served as Global Head of Alternative Investments and Chief Investment Officer of the Alternative Investments Department at Abu Dhabi Investment Authority (ADIA). Prior, Weston was CEO of Helvetica Wealth Management Partners, an asset management company controlled by Credit Suisse and the State of Qatar. Weston was previously chief executive of Merrill Lynch Alternative Investments, where he was responsible for $26bn in assets under management.

Prior to joining the buy side in the late 1990’s, Weston had a long career in derivatives at JP Morgan, Bankers Trust and Credit Suisse in New York, London and Hong Kong. Weston has a Master of Arts in International Affairs with Honors in Economics from The Johns Hopkins School of Advanced International Studies and a Bachelor of Arts in International Studies from Miami University.

KT zu Guttenberg

Karl-Theodor Freiherr zu Guttenberg serves as the Chairman of Spitzberg Partners LLC. Zu Guttenberg first served as Minister of Economics and Technology and then as Minister of Defense in the cabinet of German Chancellor, Angela Merkel. As the youngest Defense Minister in German history, he led the most significant structural reform of the German armed forces since the Bundeswehr’s founding. Zu Guttenberg was a Member of the German Parliament (Bundestag) from 2002 to 2011, served as spokesman on the Foreign Affairs Committee, and was a Member of the Parliamentary Assembly of the Council of Europe and Secretary General of Germany’s co-governing CSU party.

Zu Guttenberg is a Distinguished Statesman at the Center for Strategic and International Studies (CSIS) in Washington, DC, and served as Senior Advisor to the European Commission leadership on global Internet freedom. He sits on a variety of international corporate and not-for-profit boards. Zu Guttenberg is on the Board of Edelman, New York and on the Senior Advisory Board of BDT Capital, Chicago. He is a member of the International Advisory board of Barrick Gold, Toronto. He sits on the European Advisory Board of Samsung. He served on the Advisory Boards of ASAPP, New York, Ripple, San Francisco and AnchorFree, Redwood City.

Zu Guttenberg is an operating partner at Kodem Growth Partners, an investment firm in New York. He was on the board of directors of the German American Chamber of Commerce in Atlanta and serves on the board of directors of the American Council on Germany. He is also on the board of the Institute for Strategic Dialogue, London. Zu Guttenberg was a board member  of Team Rubicon Global. During his time as economics minister he was Vice Chairman (of the Verwaltungsrat) of the KfW, Germany’s government-owned development bank. Zu Guttenberg has published numerous op-eds and articles, appears frequently on leading international TV stations and holds a law degree from the University of Bayreuth. He currently lives with his family between Wellington, FL (USA) and Bavaria (Germany).

About Clocktower

We partner with phenomenal entrepreneurs who have the vision and drive to reinvent financial services, investing from the earliest seeds of startup life to businesses scaling for growth. We support leading companies across all sectors of financial services, including lending, credit & banking, payments, insurance, capital markets & investments, personal finance, enterprise financial stack and real estate finance. Our distinctive approach to fintech venture capital is crafted around a curated network of global macroeconomic thinkers and investors.

Launched in 2015, Clocktower Technology Ventures is the technology investing arm within Clocktower Group, a global macro investment firm. CTV is based in Santa Monica, CA and invests worldwide.

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    Santa Monica, CA 90401