Xelle Ventures

What Xelle Ventures does

Xelle Ventures (legal name: xElle Ventures) is a US-based, member-driven venture debt fund that issues non-dilutive growth capital to female-founded and female-led companies. Founded in August 2019 in Durham, North Carolina by Robbie Hardy and 14 like-minded women, the organization originated as an investor network that made a single equity investment in Companah before restructuring in 2021 into its current debt-financing fund model. Fund 1 ultimately raised $700,000 from 47 members, screened 150+ applicants and 50+ companies, and fully deployed capital across 8 portfolio companies with the last loan issued in December 2025; Fund 2 is now active under a refreshed Executive Committee (Co-Chairs Deborah Mosca and Melissa Matton, Treasurer Julie Ayers, plus Screening, Loan Review, Communications, and Chair Emeritus roles).

The core product is an unsecured loan program sized between $60,000 and $150,000 with 2-year repayment terms and interest rates set case-by-case at approximately prime plus 6%, adjusted for borrower risk and demonstrated repayment capacity (ARR, purchase orders, or comparable indicators). Each loan is delivered through xElle's "3M Model" (Money, Mentoring, Marketing), which wraps capital with member-provided advisory and marketing support. Application intake is a self-serve Google Form on the Squarespace website, followed by a multi-stage Screening Committee, Loan Review Committee, and Co-Chair Executive Committee process on the xElle Ventures Roadmap over an approximately three-month timeline. The firm holds no proprietary technology platform; underwriting edge derives from the member-investor community's domain expertise rather than from software.

XElle's revenue model is interest income amortized over the life of each 2-year loan, funded by member capital contributions into successive fund vehicles. Two customer segments are served: (a) primary, female-founded or actively-led US-based companies seeking non-dilutive growth capital, and (b) secondary, women investors and executives who deploy capital as members and provide the mentoring/marketing layer. Distribution is single-channel (domestic US only) and SMB/startup-oriented, with named portfolio companies spanning medical apparel (Three Strands Recovery Wear), plant-based foods (Fabalish), EdTech (Bookelicious), floral wholesale (Stemz), wellness (Aurora Flow), and apparel services (Unbox the Dress).

Name

Xelle Ventures

Legal name

xElle Ventures

Website

https://xelleventures.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Xelle Ventures is a US-based, member-driven venture debt fund that issues $60K-$150K unsecured loans to female-founded companies under a "Money, Mentoring, Marketing" model, backed by a community of women investors.

Ownership category

akta.pro rank

Product category

Alternative Lending / Venture Debt

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Independent Venture Debt Funds / Platforms (FSANAIAB)

Keywords

• Venture debt financing
• Women-focused lending
• Startup growth capital
• Alternative small business loans
• Female founder investing

Headquarters

HQ city

Durham

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Others, Marketing or Sales

Revenue model

1. Unsecured debt financing / loan interest income: xElle Ventures issues unsecured loans typically ranging from $60K to $150K with 2-year payment terms; interest is set case-by-case at approximately prime + 6% adjusted for risk. Revenue is realized as interest income amortized over the life of each 2-year loan, with Fund 1 having deployed all capital across 8 companies and Fund 2 actively raising.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

xElle Ventures provides unsecured, non-dilutive loans (typically $60K–$150K, 2-year term, case-by-case interest at approximately prime + 6%) to US-based companies with at least one female founder or active female leader. Loans are delivered alongside the proprietary "3M" support model, bundling capital (Money), mentoring, and marketing assistance to female-led companies so they can grow without surrendering equity.

Product overview

xElle Ventures is a single unified venture-lending offering rather than a software platform. Its core product is a debt-financing program that issues unsecured loans ($60K-$150K, 2-year term, prime + ~6% adjusted for risk) to US-based, female-founded or actively led companies, delivered through the "3M Model" that bundles Money (the loan), Mentoring, and Marketing. This lending core is operated through two successive fund vehicles: Fund 1 (now closed after issuing its last loan in December 2025, having raised $700K, screened 50+ companies, and funded 8 companies) and the currently active Fund 2, which is governed by an Executive Committee of Co-Chairs, Treasurer, Screening, Loan Review, Communications, and Chair Emeritus roles. Membership in xElle Ventures is a parallel product for women investors who back Fund 2. The publicly named outputs of these products are the funded portfolio companies themselves: Stemz, Aurora Flow, Fabalish, Three Strands Recovery Wear, Bookelicious, and Unbox the Dress, plus an early legacy equity investment in Companah made before the debt-fund structure was established in 2021.

Differentiator

Problem solved

Functional benefit

Products and services

• xElle Ventures Debt Financing Program Core lending product offering unsecured loans (typical $60K–$150K, 2-year terms, interest ~prime + 6% adjusted for risk) to US-based companies with at least one female founder or active female leader and demonstrated ability to repay via ARR or purchase orders. Designed to be non-dilutive so female founders can maintain ownership and control.
• 3M Model (Money, Mentoring, Marketing) Integrated support package wrapping the debt financing core: capital (Money), advisory and mentorship access from women operators and investors (Mentoring), and brand-growth assistance including marketing investment support (Marketing) for funded female-led companies.
• xElle Ventures Fund 2 Current active fund vehicle of xElle Ventures raising and deploying capital as unsecured loans to female-led US companies under the debt financing program, governed by an Executive Committee that includes Co-Chairs Deborah Mosca and Melissa Matton.
• xElle Ventures Membership Investor membership program for women entrepreneurs, executives, founders, and investors who back xElle Ventures' funds, providing an avenue to deploy capital into a curated pipeline of female-led startups while participating in the 3M mentoring and marketing layer.

Quantifiable outcome

• Over 125 jobs supported across the Fund 1 portfolio
• +2 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Pipeline Angels: A network of women angel investors that pools capital to invest in early-stage women-owned or social-impact businesses. Directly comparable to xElle Ventures' women-investor community and mission-driven funding model, with a similar deal-sourcing and screening structure.
• Female Founders Fund: An early-stage venture fund that invests in companies founded by or serving women. Directly comparable as a women-focused venture fund targeting female founders, although FFF deploys equity rather than xElle's debt structure.
• BBG Ventures (Built By Girls): An early-stage venture fund focused on female-led or diverse founding teams. Closely comparable as a female-founder-focused venture investor operating with a similar mission, though structured as equity investing.
• Halogen Ventures: An early-stage venture fund that invests in consumer tech companies led by women and people of color. Direct peer as a female-founder-focused fund, with a comparable deal-sourcing approach via networks and a similar target-stage focus.
• SoGal Ventures: A global early-stage venture fund backing diverse founders, founded by women. Direct peer as a women-led, women-founder-focused venture investor operating a member/network-driven model with similar demographic targeting.
• Backstage Capital: A venture fund that invests in startups led by underrepresented founders including women, people of color, and LGBTQ founders. Comparable as a mission-driven, demographic-focused venture investor with a community/member-driven deal pipeline.
• New Voices Fund: An early-stage venture fund investing in women of color entrepreneurs. Direct peer as a mission-driven fund focused on an underrepresented female-founder segment, with similar network-driven deal sourcing.
• Springboard Enterprises: A network-driven accelerator that scales women-led companies through access to capital, coaching, and connections. Comparable to xElle as a community-based platform for advancing female-led companies toward funding and growth.

Broad incumbents

• Accion Venture Lab: A venture fund providing debt and equity to early-stage fintech startups serving underserved customers. Comparable as a venture-lending fund that uses non-dilutive instruments for underserved or under-banked founders, even though its target geography and sector differ.
• LendingClub: A large online lending platform that extends credit to small businesses and individuals. Comparable in the broad sense of being a debt-financing intermediary using an application and screening workflow, though at vastly different scale and borrower type.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/xelleventures
• LinkedInlinkedin.com/company/xelleventures

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Xelle Ventures