Pine Partners targets high-impact startups and transformative businesses, leveraging AI and digital disruption to unlock exponential returns.
Our approach focuses on identifying companies with clear paths to tripling their value within three years through scalable models and operational improvements.
We target businesses with:
Our strategy aligns with top performers:
A specialized fund investing in early-stage startups and turnaround opportunities with a clear path to 3x growth in 3 years.
AI & Automation
The AI market is projected to grow from $150B in 2023 to $1.3T by 2032 (Bloomberg). Enterprise AI adoption has tripled since 2020 (McKinsey).
Digital Transformation
Global spending on DX will reach $3.4T by 2026 (IDC). 75% of organizations now prioritize cloud-first strategies (Gartner).
Fintech & Payments
Embedded finance market expected to hit $7T by 2030 (JPMorgan).
Minimum Growth Target
Year Horizon
Minimum Investment
Maximum Investment
Founding Story: Itzik Cohen (CEO) spent years at Intuit working on financial products before witnessing his mother struggle with medical bills. He teamed up with Virgilio Bento, an AI specialist from IBM Watson Health who had developed predictive models for patient outcomes.
Growth Journey: Initially focused on patient-facing loans, they struggled with unit economics until discovering hospitals would pay for guaranteed collections. Their 2021 pivot to integrated hospital financing came after Cohen spent 3 months shadowing ER administrators.
| Metric | PayZen | Industry Avg |
|---|---|---|
| Growth Rate | 400% in 3 years | 5-10% |
| LTV:CAC | 9x | 3x |
| Current Status | $1.2B valuation, 300+ hospital partners | |
Founding Story: Lena Schmidt (CEO) grew frustrated with N26's lack of SME focus while running her e-commerce business. She recruited Markus Vogel, Revolut's former Head of Product, who had built their business accounts division.
Growth Journey: The 2022 pivot to embedded investing came after Schmidt noticed 60% of customers kept large cash balances. They partnered with BlackRock to create automated treasury tools.
| Metric | NeoBank X | Industry Avg |
|---|---|---|
| User Growth | 2M in 3 years | 6 years (Revolut) |
| Cost-to-Income | 35% | 60% |
| Current Status | Acquired by Deutsche Bank for $850M | |
Founding Story: Archit Gupta (CEO) conceived the idea while struggling with his own tax filings at Stanford. He returned to India and spent 6 months manually processing 10,000 tax returns to train their first AI models.
Growth Journey: The 2019 GST pivot required rebuilding their entire platform in 90 days. Gupta personally visited 500 CA firms to onboard them as partners.
| Metric | ClearTax | Industry Avg |
|---|---|---|
| YoY Growth | 50% | 8% |
| Retention Rate | 80% | 40% |
| Current Status | Processes 20% of India's SME tax filings | |
Founding Story: Markus Villig (CEO) started coding the first version at 19 after his e-commerce store failed due to payment fraud. His brother Martin, co-founder of Bolt Mobility, introduced him to the behavioral biometrics technology that became their core IP.
Growth Journey: The 2020 pivot from crypto came after losing 80% of clients to regulation. They repurposed their KYC AI for fraud prevention.
| Metric | Bolt | Industry Avg |
|---|---|---|
| Fraud Detection | 99.5% | 90% |
| Checkout Speed | 1.2s | 3.5s |
| Current Status | Public at $5B market cap | |
Founding Story: Nikolay Storonsky (CEO) conceived the idea after facing $500 in FX fees during his trading career. CTO Vlad Yatsenko built the first backend on a single server that repeatedly crashed during early growth spurts.
Growth Journey: The 2018 trading pivot came after users begged for cryptocurrency access. They built the feature in 6 weeks.
| Metric | Revolut | Industry Avg |
|---|---|---|
| Revenue/Employee | $1.2M | $500K |
| User Growth | 40M+ | 10M (Chime) |
| Current Status | $33B valuation, profitable | |
We're always looking for exceptional investment opportunities that fit our criteria.
Email: invest@pinepartners.sg
Singapore (global investments)
Deck, financials, and growth roadmap