Menlo Ventures-related entities reported aggregate beneficial ownership of 17,442,713 shares of Chime Financial, Inc. Class A common stock, representing 5.3% of the Class A shares outstanding. The Schedule 13G cover pages show each reporting person is organized in Delaware and that the ownership positions are held across multiple Menlo Vehicles (Menlo Ventures XIV, MMEF XIV, Menlo Inflection I, etc.). The filing states the aggregate percentage is calculated using 332,239,249 Class A shares outstanding as disclosed in Chime's June 11, 2025 prospectus. The reporting persons indicate no sole voting or dispositive power over the shares and report shared voting and dispositive power for the positions. Signatures on the filing are provided by Venky Ganesan on behalf of the Menlo entities (dated 08/14/2025).
Positive
None.
Negative
None.
Insights
TL;DR: Menlo-affiliated funds hold a sizeable passive stake鈥�5.3%鈥攊n Chime, disclosed via Schedule 13G; no sole control is claimed.
The filing aggregates 17,442,713 Class A shares across multiple Menlo vehicles, representing 5.3% of outstanding Class A as of the prospectus reference. The form used (Schedule 13G) and the explicit statement of no sole voting/dispositive power indicate a passive investor posture rather than an active control intent. For investors, this is a disclosure of meaningful institutional ownership but not a change in control dynamics.
TL;DR: Ownership is material but structured as shared voting/dispositive power; the filers disclaim group status and do not assert control.
The cover pages show shared voting and dispositive power across the Menlo entities and zero sole power, and the filers expressly disclaim group status. That combination suggests coordinated recordkeeping through general partner structures but not an assertion of collective governance control under Schedule 13G. Corporate governance implications are limited given the passive filing and the lack of sole authority over the shares.
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
Chime Financial, Inc.
(Name of Issuer)
Class A Common Stock, par value $0.0001
(Title of Class of Securities)
16935C109
(CUSIP Number)
06/30/2025
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Rule 13d-1(b)
Rule 13d-1(c)
Rule 13d-1(d)
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
Menlo Ventures XIV, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
6,865,680.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
6,865,680.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
6,865,680.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
2.1 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
MMEF XIV, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
102,310.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
102,310.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
102,310.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.0 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
Menlo Entrepreneurs Fund XIV, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
88,200.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
88,200.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
88,200.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.0 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
MV Management XIV, L.L.C.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
7,056,190.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
7,056,190.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
7,056,190.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
2.1 %
12
Type of Reporting Person (See Instructions)
OO
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
Menlo Inflection I, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
9,650,310.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
9,650,310.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
9,650,310.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
2.9 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
MMSOP, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
156,900.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
156,900.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
156,900.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.0 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
MSOP GP, L.L.C.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
9,807,210.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
9,807,210.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
9,807,210.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
3.0 %
12
Type of Reporting Person (See Instructions)
OO
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
Menlo Inflection II, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
569,755.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
569,755.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
569,755.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.2 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
MM Inflection, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
5,793.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
5,793.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
5,793.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.0 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
Menlo Entrepreneurs Inflection Fund, L.P.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
3,765.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
3,765.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
3,765.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.0 %
12
Type of Reporting Person (See Instructions)
PN
SCHEDULE 13G
CUSIP No.
16935C109
1
Names of Reporting Persons
MSOP GP II, L.L.C.
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
579,313.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
579,313.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
579,313.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.2 %
12
Type of Reporting Person (See Instructions)
OO
SCHEDULE 13G
Item 1.
(a)
Name of issuer:
Chime Financial, Inc.
(b)
Address of issuer's principal executive offices:
101 California Street, Suite 500, San Francisco, CA, 94111.
Item 2.
(a)
Name of person filing:
The names of the persons filing this report (collectively, the "Reporting Persons") are:
Menlo Ventures XIV, L.P. ("Menlo XIV")
MMEF XIV, L.P. ("MMEF XIV")
Menlo Entrepreneurs Fund XIV, L.P. ("MEF XIV")
MV Management XIV, L.L.C. ("MVM XIV")
Menlo Inflection I, L.P. ("MI")
MMSOP, L.P. ("MMSOP")
MSOP GP, L.L.C. ("MSOP GP")
Menlo Inflection II, L.P. ("MI II")
MM Inflection, L.P. ("MMI")
Menlo Entrepreneurs Inflection Fund, L.P. ("MEIF")
MSOP GP II, L.L.C. ("MSOP GP II")
The Reporting Persons expressly disclaim status as a "group" for purposes of this Schedule 13G.
(b)
Address or principal business office or, if none, residence:
c/o Menlo Ventures
1300 El Camino AG真人官方, Suite 150
Menlo Park, California 94025
(c)
Citizenship:
Menlo XIV Delaware
MMEF XIV Delaware
MEF XIV Delaware
MVM XIV Delaware
MI Delaware
MMSOP Delaware
MSOP GP Delaware
MI II Delaware
MMI Delaware
MEIF Delaware
MSOP GP II Delaware
(d)
Title of class of securities:
Class A Common Stock, par value $0.0001
(e)
CUSIP No.:
16935C109
Item 3.
If this statement is filed pursuant to 搂搂 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)
Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)
Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)
Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)
Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)
An investment adviser in accordance with 搂 240.13d-1(b)(1)(ii)(E);
(f)
An employee benefit plan or endowment fund in accordance with 搂 240.13d-1(b)(1)(ii)(F);
(g)
A parent holding company or control person in accordance with 搂 240.13d-1(b)(1)(ii)(G);
(h)
A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)
A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)
A non-U.S. institution in accordance with 搂 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with 搂 240.13d-1(b)(1)(ii)(J),
please specify the type of institution:
(k)
Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.
Ownership
(a)
Amount beneficially owned:
Row 9 of each Reporting Person's cover page to this Schedule 13G sets forth the aggregate number of securities of the Issuer beneficially owned by such Reporting Person as of June 30, 2025 and is incorporated by reference.
The Reporting Persons' ownership of the Issuer's securities consists of (i) 6,865,680 shares of Class A common stock held directly by Menlo XIV; (ii) 102,310 shares of Class A common stock held directly by MMEF XIV; (iii) 88,200 shares of Class A common stock held directly by MEF XIV; (iv) 9,650,310 shares of Class A common stock held directly by MI; (v) 156,900 shares of Class A common stock held directly by MMSOP; (vi) 569,755 shares of Class A common stock held directly by MI II; (vii) 5,793 shares of Class A common stock held directly by MMI; and (viii) 3,765 shares of Class A common stock held directly by MEIF.
MVM XIV is the general partner of each of Menlo XIV, MMEF XIV and MEF XIV and shares voting and dispositive power over the securities held by each of Menlo XIV, MMEF XIV and MEF XIV.
MSOP GP is the general partner of each of MI and MMSOP and shares voting and dispositive power over the securities held by each of MI and MMSOP.
MSOP GP II is the general partner of each of MI II, MMI and MEIF and shares voting and dispositive power over the securities held by each of MI II, MMI and MEIF.
The Reporting Persons beneficially own, in the aggregate, 17,442,713 shares of Class A common stock.
(b)
Percent of class:
Row 11 of each Reporting Person's cover page to this Schedule 13G sets forth the percentages of the Class A common stock of the Issuer beneficially owned by such Reporting Person as of June 30, 2025 and is incorporated by reference. The shares of Class A common stock beneficially owned by the Reporting Persons represent, in the aggregate, 5.3% of the Issuer's outstanding Class A common stock. Such percentage, and the percentage set forth in each row 11 is based upon 332,239,249 shares of Class A common stock outstanding as of June 13, 2025, as disclosed in the Issuer's prospectus dated June 11, 2025 filed with the Securities and Exchange Commission (the "SEC") on June 12, 2025.
(c)
Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote:
Row 5 of each Reporting Person's cover page to this Schedule 13G sets forth the sole power to vote or to direct the vote of securities of the Issuer beneficially owned by such Reporting Person as of June 30, 2025 and is incorporated by reference.
(ii) Shared power to vote or to direct the vote:
Row 6 of each Reporting Person's cover page to this Schedule 13G sets forth the shared power to vote or to direct the vote of securities of the Issuer beneficially owned by such Reporting Person as of June 30, 2025 and is incorporated by reference.
(iii) Sole power to dispose or to direct the disposition of:
Row 7 of each Reporting Person's cover page to this Schedule 13G sets forth the sole power to dispose or to direct the disposition of securities of the Issuer beneficially owned by such Reporting Person as of June 30, 2025 and is incorporated by reference.
(iv) Shared power to dispose or to direct the disposition of:
Row 8 of each Reporting Person's cover page to this Schedule 13G sets forth the shared power to dispose or to direct the disposition of securities of the Issuer beneficially owned by such Reporting Person as of June 30, 2025 and is incorporated by reference.
Item 5.
Ownership of 5 Percent or Less of a Class.
Item 6.
Ownership of more than 5 Percent on Behalf of Another Person.
Not Applicable
Item 7.
Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
Not Applicable
Item 8.
Identification and Classification of Members of the Group.
Not Applicable
Item 9.
Notice of Dissolution of Group.
Not Applicable
Item 10.
Certifications:
Not Applicable
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.
Menlo Ventures XIV, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MV Management XIV, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
MMEF XIV, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MV Management XIV, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
Menlo Entrepreneurs Fund XIV, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MV Management XIV, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
MV Management XIV, L.L.C.
Signature:
/s/ Venky Ganesan
Name/Title:
By Venky Ganesan, Managing Member
Date:
08/14/2025
Menlo Inflection I, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MSOP GP, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
MMSOP, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MSOP GP, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
MSOP GP, L.L.C.
Signature:
/s/ Venky Ganesan
Name/Title:
By Venky Ganesan, Managing Member
Date:
08/14/2025
Menlo Inflection II, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MSOP GP II, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
MM Inflection, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MSOP GP II, L.L.C., Its general partner, By Venky Ganesan, Managing Member
Date:
08/14/2025
Menlo Entrepreneurs Inflection Fund, L.P.
Signature:
/s/ Venky Ganesan
Name/Title:
By MSOP GP II, L.L.C., Its general partner, By Venky Ganesan, Managing Member
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