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24 DOV GIRNUN Merchant Capital South Africa BURCU GÖBÜLÜK Adphorus Turkey YOLANDA GARCIA AVALOS Bquate Peru Merchant Capital addresses South Africa's growing +10% (y/y) SME financing gap, an impediment to economic growth and job creation, through lump sum, unsecured working capital loans made in 24-48 hours in exchange for a fixed percentage of future earnings. Merchant Capital's proprietary credit algorithm evaluates the last 6-12 months of a prospect's business transactions to dictate the cash advance and effective interest rate (percentage claim to future sales) for which the business qualifies. Addressing a financing gap worth an estimated US$5B, Merchant Capital has extended over US$10M in working capital advances (~US$8,500 average loan) to more than 500 South African SMEs, sustaining 8,000 jobs. Based in Istanbul with a global reach, Adphorus is a leading performance marketing platform and Facebook Marketing Partner based in Istanbul. Its SaaS offering includes marketing automation and algorithmic optimization to increase ROI. An internal team of data scientists built Adphorus' proprietary algorithmic optimization engine, Marvin, using predictive models for bid management and budget allocation. Adphorus works with leading e-commerce, travel and mobile companies focused on performance advertising in Europe and global emerging markets including the Middle East and Latin America. Bquate is a digital record label and online music distributor that promotes its clients' music worldwide through leading online music stores. Bquate offers services such as legal aid, online promotion, post-production services, audiovisual execution, and account monetization on YouTube. Through a philosophy based entirely on the sustainable development of artists and record labels, the company has recently launched offices in four countries, serves clients in twelve, and plans to expand its operations throughout Latin America. WAGNER FURTADO Cash Monitor Brazil Cash Monitor is a SaaS company that provides credit card sales reconciliation for corporate business (B2B). Cash Monitor helps companies manage accounts payable and receivable, which often arrive from different parties at different times in different formats/currencies. Cash Monitor's two solutions, credit cards conciliator for retailers/service providers and consolidated financial statements for large companies, reduce costs, improve security, and empower CFOs. Cash Monitor targets clients in industries with tight margins (e.g. retail, aviation, and diagnostic laboratories).