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Core Innovation Capital

Los Angeles, CA · Invests in US · Website

Thesis

The greatest returns come from the most overlooked markets where businesses outperform because they create value. We invest in early-stage technology companies that unlock wealth and health for the mass market — in massively regulated, operationally complex sectors that are broken and overdue for reinvention: financial services, healthcare, real estate, insurance, and work.

Likely not a fit for

We do not chase what's shiny. We avoid trend-driven investments, non-mission-aligned founders, and companies primarily driven by financial maximization without customer value creation. No regulatory arbitrage.

How they invest

Lead or follow
Usually leads
Typical decision
~1 month
Warm intro
Preferred
Involvement
Takes a board seat
Fund status
Actively deploying
Assets under mgmt
$100M
Decision process
Partnership vote

Partners & team

14 contacts on file

AS

Arjan Schütte

General PartnerFounder & Managing Partner · Primary contact

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a•••@co•••.com

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ZW

Zev Wexler

Platform & OpsCFO and General Counsel

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z•••@co•••.com

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E(

Edwin (Loredo) Andrade

PartnerPartner

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e•••@co•••.com

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DR

David Roos

PartnerPartner

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d•••@co•••.com

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SE

Susan Ehrlich

PartnerPartner

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s•••@co•••.com

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EB

Erinn Bisping

PrincipalVP of Investor Relations

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KT

Kyle Treige

AssociateSenior Associate

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k•••@co•••.com

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JK

Jack Kelly

Platform & OpsAI Tech Lead

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j•••@co•••.com

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AS

Adam Shapiro

PartnerRegulatory Partner

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a•••@co•••.com

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MH

Michael Hsu

Venture PartnerVenture Partner

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m•••@co•••.com

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AB

Alicia Bassuk

Platform & OpsSenior Advisor

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a•••@co•••.com

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KU

Kat Utecht

PartnerPartner Emeritus

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k•••@co•••.com

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EL

Edwin Loredo

PartnerPartner

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e•••@co•••.com

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KU

Kathleen Utecht

Partner

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Portfolio

Nerd WalletFintech Payments

NerdWallet is a financial technology company that provides consumers with tools and resources to make informed financial decisions, including credit card comparisons, banking options, and mortgage advice.

RippleFintech Payments

Ripple is a financial technology company that provides blockchain-based solutions for cross-border payments and digital asset custody. It is known for its enterprise crypto services and the XRP digital asset.

HealthSherpaHealthcare Digital

HealthSherpa is an ACA quoting and enrollment platform that simplifies the process of finding and enrolling in health insurance plans. It offers tools for agents and consumers to compare plans, track applications, and manage enrollments, all while being fully integrated with HealthCare.gov.

Unit21Enterprise Software

The Customizable No-Code Platform for Risk & Compliance Operations

PayjoyFintech Payments

PayJoy provides financial services to underserved individuals in emerging markets, allowing them to purchase smartphones and pay for them over time using a buy now, pay-as-you-go model. The smartphones serve as collateral for the loans, enabling access to credit without traditional banking requirements.

Klover

Klover is a financial technology company that provides cash advance and budgeting tools to help individuals manage their finances. Founded in 2019, Klover allows users to access up to $400 in cash advances without interest or late fees, while also offering budgeting tools and rewards to improve financial literacy and stability.

Chalk.aiEnterprise Software

Chalk is a data platform designed for AI and machine learning, providing ultra-fast data pipelines, caching, and on-demand compute capabilities in the cloud. It enables data teams to build real-time models and manage large-scale ML problems efficiently.

ChapterHealthcare Digital

Chapter is a data and technology-enabled advisory that helps older Americans navigate retirement and optimize their Medicare coverage.

CherryFintech Payments

Cherry is a company known for computer keyboards and hardware, and it operates in financial services, offering payment solutions for health and wellness providers.

Column TaxFintech Payments

Column Tax is an e-file provider that helps people file end-to-end in their partners’ apps, offering embedded tax filing solutions that simplify the tax process for users.

Atomic FinancialFintech Payments

Atomic Financial provides a platform for financial applications that enables real-time updates and notifications through webhooks, allowing for seamless integration and automation of financial tasks such as income verification and direct deposit switching.

BestowInsurance

Bestow is a life insurance SaaS company specializing in technology solutions for the insurance sector, partnering with top carriers to modernize operations.

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Research briefRead more
Core Innovation Capital Research Investment Thesis Core Innovation Capital is a pioneering early-stage fintech and healthtech venture capital firm founded in 2009 by Arjan Schütte in Los Angeles. The firm invests in technology companies that create step-function improvements in cost, access, and outcomes for the mass market, focusing on what they call the five core systems of American life: financ

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