# Timothy Li > Timothy Li is a seed investor at Fluid Credit (Irvine) backing FinTech and Finance. See 4 investments, check sizes, portfolio. Updated Aug 2026. - Type: Angel Investor - Fund: [Fluid Credit](https://shizune.co/investors/profile/fluid-credit) - Location: Irvine, United States - Total investments: 4 - Last investment: Dec 2022 - Lead investor: 0% - Last updated: Aug 2026 - LinkedIn: https://www.linkedin.com/in/timothytli/ - X (Twitter): https://twitter.com/suddenlytime - Website: https://x.com/TimothyLi2024 Timothy Li is a seed investor at Fluid Credit in Irvine focused on FinTech and Finance. Tim is the Co-Founder and CEO of LendAPI, a venture backed B2B SaaS company that's helping Banks and Fintechs to launch their products in minutes. He has has 20 years of banking and technology experience and has founded multiple fintech companies with successful exits. ## Round sizes | Stage | Round size | | --- | --- | | Seed | $3M–$3.5M | ## Investment focus ### Industry | Industry | Investments | Share | | --- | --- | --- | | FinTech | 4 | 100% | | Finance | 2 | 50% | | Financial Services | 2 | 50% | | Payments | 1 | 25% | | Software | 1 | 25% | 10 industries tracked in total. ### Stage | Stage | Investments | Share | | --- | --- | --- | | Seed | 3 | 75% | | Pre-Seed | 1 | 25% | ### Country | Country | Investments | Share | | --- | --- | --- | | United States | 2 | 50% | | India | 1 | 25% | | Kuwait | 1 | 25% | ## Investments | Company | Description | Amount | Stage | Date | Website | | --- | --- | --- | --- | --- | --- | | Kem | Kem was started with the idea of achieving a simple goal, to make it easy to send money to your friends. Millions of people in the Gulf were facing this issue, and we built Kem for the purpose of removing the pain from peer-to-peer payments.Today, Kem is the fastest growing payments app in Kuwait & the GCC. Pay anyone instantly, receiveeverywhere, spend anywhere. Join the thousands already using the Kem app.The Kem App is a financial services platform, not a bank. Banking services are provided by Kem’s bank partner(s). Kem Company for Electronic Payment & Settlement Systems W.L.L is a service of Kem Technologies Holding Ltd. | $700K | Pre-Seed | Dec 15, 2022 | | | Verdata | Verdata develops a data and insight platform intended to empower POS financing companies to mitigate merchant risk. The company's platform offers underwriting, notifications, and portfolio health check, enabling POS financing companies to avoid fraudulent and poorly behaving merchants. It was headquartered in Richmond, Virginia in 2020. | $3M | Seed | Jan 25, 2022 | | | Truv | With Truv, users can easily connect their payroll account and instantly share the information you need to run verifications—and we make it more affordable and faster than your manual verifications. | $3.5M | Seed | Feb 16, 2021 | | | Qbera | Qbera is a managed marketplace for unsecured personal loans that leverages tech-enabled acquisition, underwriting and loan processing capabilities to offer credit products co-created with banks that are part of Qbera's multi-lender network. Such origination of assets against a bank’s liabilities is performed in a hybrid lending model whereinQbera shares some of the risk with the bank.Banks and NBFCs plug their balance sheet into Qbera to tap into new customer segments using Qbera’s programmatic lending solution and benefit from lower operating expense, data-driven underwriting and credit decisioning, reduction in turnaround time, no cost of customer acquisition, proven technology and increase in profitability.Qbera has capabilities across the lending lifecycle:1. Acquisition: We have an omni-channel borrower sourcing funnel that taps into best-in-class digital acquisition strategies and tech-enabled offline partners. We operate a Lending-as-a-Service (LaaS) model for our customer acquisition partners which enables them to offer credit products to their customers.2. Underwriting: Validated risk strategy and scorecards that are hosted on sophisticated data-driven rules engine. Extending access to credit to salaried employees of more than 7 lakh companies.3. Fulfilment: Paper-less delivery of loans. Digital verification of residence, income and employment for majority of borrowers.4. Servicing: Proprietary Loan Management System (LMS) with a powerful customer relationship management platform for automated/self-service along with a dedicated contact center team.5. Collections: Data-driven early warning systems that track and provide flexibility to stressed borrowers for them to remain financially buoyant. | | Seed | Jul 01, 2017 | | 4 of 4 investments shown. ## Co-investors - [Abstract](https://shizune.co/investors/profile/a-list-ventures) — VC Fund, 1 deal together - [Chapter One](https://shizune.co/investors/profile/chapter-one-ventures) — VC Fund, 1 deal together - [Diagram Capital](https://shizune.co/investors/profile/diagram-capital) — VC Fund, 1 deal together - [Fathom Capital](https://shizune.co/investors/profile/fathom-capital) — VC Fund, 1 deal together - [Function Investments](https://shizune.co/investors/profile/function-e4d2) — VC Fund, 1 deal together - [LendFoundry](https://shizune.co/investors/profile/lendfoundry) — VC Fund, 1 deal together ## About Fluid Credit VC Fund · Irvine, United States Fluid is the world’s first mobile app that provides access to more than 22 million university students to begin building their credit, via a 0% interest loan of up to $500. Fluid provides university students with credit and personal finance education. 2 contacts available at Fluid Credit. | Name | Title | Profile | | --- | --- | --- | | Timothy Li | Founder and CEO | https://shizune.co/investors/profile/timothy-li | | Nicole Houston | President, Chief Operating Officer | https://shizune.co/investors/profile/nicole-houston | ## Similar investors ### Similar stage - [Antler](https://shizune.co/investors/profile/antler-be9c) — VC Fund - [Alumni Ventures](https://shizune.co/investors/profile/alumni-ventures-group) — VC Fund - [Right Side Capital Management](https://shizune.co/investors/profile/right-side-capital-management) — VC Fund ### Similar country - [Faith Capital](https://shizune.co/investors/profile/faith-capital) — VC Fund - [Rasameel Investment Company](https://shizune.co/investors/profile/rasameel-investment-company) — VC Fund - [Vision Ventures](https://shizune.co/investors/profile/vision-ventures-2) — VC Fund ## Featured in investor lists - [All Angel Investors in Kuwait](https://shizune.co/investors/angel-investors-kuwait) - [All Investors in Kuwait](https://shizune.co/investors/investors-kuwait) ## FAQ ### What does Timothy Li invest in? Timothy Li invests primarily in FinTech, Finance and Financial Services startups, most often at Seed and Pre-Seed stage. Most of the 4 investments tracked by Shizune back companies in United States. The Investment Focus section breaks down every industry, stage and country in the portfolio. ### What is Timothy Li's check size? Timothy Li typically joins rounds of $3M–$3.5M at Seed. These ranges are 10th–90th percentile round sizes calculated from confirmed public funding rounds, so they are a realistic guide to the rounds Timothy Li participates in. ### When did Timothy Li last invest? The most recent investment recorded for Timothy Li closed in Dec 2022. Shizune tracks 4 investments in total for this profile, including round sizes, stages and portfolio companies, all sourced from confirmed public funding rounds and refreshed monthly. ### Is Shizune's investor data accurate? Yes — every stat on this profile is calculated from confirmed public funding rounds monitored across hundreds of sources since 2020. This profile was last refreshed in Aug 2026 and is updated monthly. Spotted something off? Use the “Suggest an edit” link near the top of the page. # About Shizune Shizune.co is an investor database. Core features: - 48,091 startup investors (angels, VCs, accelerators, and others) - Email, phone, LinkedIn (for intros), socials, and other contact data - Updated daily from public funding news - CSV and Excel export The User can access the full database FOR FREE after signing up: shizune.co