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Ricky Lai

Partner, Portage Ventures


Based In

Toronto, Canada

Geographic Focus

North America


  • SMB finance
  • CFO tech stack
  • Regtech


  • - Pets: A golden retriever named Bubble - which is a name that is impossible to pronounce with an angry tone.
  • - Books: As long as it's sci-fi.
  • - Interests: All things motorsport, from MotoGP to sim racing. OK - maybe not Nascar.

Ricky Lai is a Partner, Portage Ventures at Portage and joined the firm in 2017. As a member of Portage, Ricky invests in early-stage fintech opportunities globally. Ricky works closely with KOHO, Clark, Nesto, and TheGuarantors. He became a partner in 2021 and currently resides in Toronto, Canada.

Prior to Portage, Ricky worked as an early employee at a startup focused on simplifying responsible consumer lending in the US. Ricky also spent time as an Associate at Mithril360, the analytics and portfolio management affiliate of Mithril Capital Management, a global technology investment firm. Prior to that, Ricky was a member of the deal advisory practice for KPMG, where he focused on strategic and financial investments in software and healthcare companies.

Ricky holds a B.Sc. and a M.Acc. from the University of Waterloo, specializing in Biotechnology and Accounting. He is a Chartered Professional Accountant (CPA, CA).


view Clark


Clark is a German-based digital insurance broker providing transparent, cheap and comprehensive coverage across P&C, life and health in Europe.

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view Koho


KOHO is an alternative to a bank that offers its users the ability to travel more, retire sooner, and restore financial balance.

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view Kontempo


Kontempo provides an embedded BNPL solution to B2B marketplaces, wholesalers, and distributors in Mexico.

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view Nesto


Nesto is a developer of a mortgage platform built to make property financing convenient and transparent.

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view TheGuarantors


TheGuarantors provides real estate insurance designed to simplify the leasing process for both landlords and tenants.

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view Angle Health

Angle Health

Technology-enabled, full stack health insurance carrier leveraging proprietary underwriting and AI-driven plan member support.

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view notch


notch provides software that make it simple to manage orders, reconcile bills and invoices and process payments all in one platform. 

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view Oatfi


Oatfi provides end-to-end credit infrastructure for B2B payment platforms looking to embed and monetize working capital tools.

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