R. Williams

Oportun, Inc. provides consumer financial services. The firm focuses on offering unsecured credit to under-banked Hispanic families that lack FICO scores, credit histories, and traditional banking relationships. It provides loans without collateral to clients who lack credit history by using its sophisticated risk-scoring system that emphasizes a client's true capacity to afford a loan and engages with customers in their neighborhoods, in their language and with familiar faces from the community to build relationships of trust that lead to a lifetime of growth and prosperity. The company was founded by James Gutierrez and Gabriel Manjarrez in 2005 and is headquartered in San Carlos, CA.

Visa USA, Inc. provides retail electronic payment services. It offers its financial products and services for personal use, small businesses, merchants, companies, and the government. The company is headquartered in Foster City, CA.