London Fintech Startups
Fintech startups build software for money: how people pay, save, borrow, invest and run the finances of a business. Some sell directly to consumers, while others build the plumbing that banks, lenders and other companies rely on behind the scenes.
London is one of the world’s big financial centres, so fintech founders here work close to banks, insurers, regulators, investors and the specialist advisers the industry depends on. That closeness is part of why so many financial technology companies choose to base their teams in the city.
This page lists the fintech companies on London Startup Map that have a London office. They are grouped by the funding stage recorded on each listing, from early teams to companies that have raised several rounds. Open a company to see what it does, where its office is, who founded it and any events it is linked to, or use the map to see which fintech teams are near you. Listings are not a ranking or investment advice; check each company’s own website for its latest news.
Pre-seed 14

Balance
AI accounting firm for SMBs, run by AI and signed off by real accountants
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Bayuti
Own Together, owe no one!
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Bits
Bits is a credit card designed to help people build credit
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Clove
Hybrid AI and human financial advice platform for personal wealth management.
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Damisa
Stablecoin payment service for cross-border consumer remittances
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Fundability
AI-powered business assessments to help startups secure grants, investment and loan funding
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Jenzy
Cross-border payment infrastructure for African trade corridors
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Lunch Flow
One API for bank and investment connectivity across 30+ countries.
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Nodu
MiCA-compliant stablecoin payment rails for European banks and fintechs
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PAYKX
Cross-border payments on the UK–Nigeria corridor.
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Ralio
Trust Your Agents with Business Payments. Ralio gives businesses the guardrails, identity and audit their AI agents need before money moves.
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Robin Markets
Yield layer for prediction markets — earn passive USDC on staked Polymarket positions.
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Synthera AI
Generative AI platform producing synthetic financial market data for risk management.
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Valtaic
Redefining data and intelligence for UK residential property
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Seed 38

11:FS
Digital banking is only 1% finished which is why we’re working with global brands to research, design, build, and launch the next 99%.
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Adclear
The compliance platform trusted by leading UK finance brands. Automate ad approvals, eliminate bottlenecks, and stay FCA-compliant. Get same-day approvals.
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Ancep
AI agents that help commercial insurance brokers place risks and manage clients
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Atlar
Treasury and payments automation platform for finance teams.
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Bracket
AI-native treasury and FX management platform for mid-market finance teams
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Briefcase
AI-native bookkeeping and financial close automation for accountants
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Coinrule
Coinrule Automates Your Crypto and Stock Investments
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Eligible
Mortgage servicing platform helping lenders retain and engage borrowers
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EyesClear
Real-time AML transaction monitoring for banks and payment providers
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Fiat Republic
Banking-as-a-Service API connecting crypto platforms to regulated fiat payment rails.
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finbar
The AI investment analyst
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HUBUC
Global Card Issuing and Payment Processing Engine
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Infact
Real-time credit bureau powering fairer, responsible lending decisions
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InvestEngine
Commission-free ETF investing platform for individuals and SMEs.
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Juice
Revolving credit lines and AI-powered cash flow insights for UK SMEs.
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Minimum
Helping corporates achieve Net Zero through tech solutions.
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MintCash
Payments infrastructure for pay-ins, treasury and pay-outs for underserved businesses
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Multiply
AI platform that automates financial advice delivery for wealth management firms
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Novabook
The accountant for startups
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Ophelos
AI-native debt resolution platform helping people clear debts their way
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PANTA
SaaS platform automating the design and management of complex financial indices.
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Plend
Responsible consumer lender making affordable personal loans accessible via Open Banking.
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Plural AI
AI knowledge engine for private debt, private equity, and bank investment teams
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QFEX
24/7 Global Stock Exchange
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Revenir
First API solution for tax returns.
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Round Treasury
AI-powered treasury, payments and payroll automation for finance teams
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RuleSpark
Legal compliance platform helping companies promote tokens into regulated markets.
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Seapoint
One account for payments, invoices, expenses, treasury, and bookkeeping. Built for funded European startups.
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Sidekick Money
Wealth management and savings app for the mass-affluent millennial market
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StrideUp
Shariah-compliant home purchase plans, a halal mortgage alternative
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Tab
Revolutionising the way travellers discover, plan and book a trip
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Totally
Gift card and payout API for fintech platforms to embed 3,000+ reward brands
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Tranched
Real-time on-chain securitisation platform for fintech lenders and institutional investors
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Tulipshare
Activist investment platform letting retail investors pool shareholder voting power
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Tuza
AI agents that automate manual operations for banks
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Wealt
Access exclusive late-stage startup and private market opportunities with minimums. Join curated SPVs in VC and PE, typically reserved for institutions.
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WealthAi
AI Operating System for Wealth
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Zuba
Payments infrastructure to send, hold and receive money across 180 countries
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Series A 40

Adfin
The only platform to automate payment collection end-to-end. Eliminate manual work, reduce late payments and accelerate cash flow.
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Arva AI
AI Agents to scale AML, KYB and KYC operations
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Banked
Account-to-account real-time payments
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Capi Money
Helping businesses in emerging markets make pay their international…
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Caribou
The autonomous tax firm
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Carmoola
Mobile-first direct-to-consumer car finance with instant approval and no brokers
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Creditspring
FCA-regulated lender offering no-interest loans for a monthly membership fee
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Cuvva
UK app-first insurer offering flexible hourly and monthly car insurance policies.
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Diligent
AI agents for fintech risk and compliance operations
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Elwood
Institutional digital-asset trading and portfolio-management infrastructure.
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Emma
UK money management app that tracks spending, subscriptions, and budgets.
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Female Invest
Female Invest is a social e-learning app for finance and investing
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Gaia Family
The better way to pay for your IVF. Started from our founder's own experience, we exist to fix the IVF journey for future families.
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GoCardless
We’re building the world’s bank payment network.
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Griffin
Welcome to the platform for your next financial product or service. The bank you can build on.
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Hyperlayer
Banking tech behind the HyperJar money-management wallet
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Incard
Banking, cards, cashflow, capital and treasury with cashback on every pound you spend running the business.
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Intropic
Financial data and index rebalance forecasts for investment managers
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Kota
What your benefits broker always should have been
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Lenkie
Payables financing platform letting UK SMEs pay suppliers now and spread costs over 12 months
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Liveflow
The agentic accounting platform for multi-entity finance teams.
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NALA
Cross-border stablecoin payments, licensed in 15+ markets
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nsave
Trusted $€£ accounts abroad for people from unstable economies.
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Outpost
AI merchant-of-record and tax-of-record platform for global selling.
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Penfold
Digital auto-enrolment workplace pension platform for UK businesses and freelancers
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Saturn
AI-powered operating system for wealth management and financial advice firms
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Sequence
AI revenue platform automating billing, CPQ and accounts receivable for B2B finance teams
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spektr
AI-powered compliance workflows for banks, fintechs and regulated businesses.
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Sprive
Mortgage app that helps homeowners overpay and become mortgage-free faster.
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Stacks
Agentic AI platform automating enterprise finance close and reconciliation.
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SubscriptionFlow
AI based Customizable Subscription & Revenue Management Platform
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Swiipr
Payments platform for airlines to instantly issue disruption compensation to passengers
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TaxScouts
Online self-assessment tax filing with accountants.
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Triffin
AI cash-flow, payments and flexible funding platform for consumer brands.
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TRIVER
Open Banking-powered invoice finance platform that funds UK SME invoices in minutes.
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Urban Jungle
Online home and travel insurance built for renters and sharers in the UK.
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Vega
Building the Alternative: The AI-native operating system for investor relations
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Verto
Cross-Border Payments and FX Simplified
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wamo
AI-driven business accounts and payments platform for SMEs.
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Zeal
Turns card payment terminals into customer loyalty and analytics platforms for retailers.
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Series B 26

Apron
Sort, pay and reconcile your invoices in seconds.
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Aspora
Single account to manage money across the world
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BKN301
AI-native financial infrastructure platform for banks and fintechs to modernise core systems
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Bondaval
Digital platform providing non-cancellable B2B credit risk protection via MicroBonds
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Bud
Bud empowers financial companies to access, make sense of, and enrich messy transaction data – transforming it into rich actionable insights.
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Credit Benchmark
Aggregated credit consensus ratings from 40+ global banks covering 120k+ obligors
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Flock
Digital telematics-powered motor fleet insurance for couriers, rentals, taxis and haulage.
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Laka
Laka is collective bicycle insurance especially for cyclists. We flipped insurance. By making it pay to pay out, we are the collective that backs each other. Protect your bikes and gear against theft & damage with Laka 5-star rated cycle i…
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LemFi
Fair, simple and accessible financial services
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Marshmallow
Inclusive car insurance
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MillTech
Automated FX hedging and treasury management platform for corporates.
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Monument Bank
UK digital savings bank for mass-affluent professionals and property investors
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Napo
Pet insurance with comprehensive cover including dental, behavioural and preventive care.
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Noda
Harness the power of APIs with Noda
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Payhawk UK
Unify all business spend in one AI-powered spend management platform. Gain complete control, visibility, and automation - without the complexity.
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Plum
Smart savings and investing app for everyday money.
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Raylo
Consumer device subscription and leasing infrastructure.
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Superscript
Online business insurance broker for SMEs and complex enterprises in the UK
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Taptap Send
Mobile app for low-cost money transfers to Africa, Asia and Latin America.
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TreasurySpring
Digital platform giving institutions simple access to short-dated cash investments
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Uncapped
Revenue-based financing platform lending up to $2M to online businesses without equity dilution
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Updraft
Consumer lending app that consolidates credit card debt into a single repayment plan.
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Volt
One integration to a world of real-time payments. Switch on the global standard for Pay by Bank. Pay-ins. Payouts. Cash management.
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Weavr
Weavr's embedded finance solution is fully headless, easily integrated, and designed to seamlessly enhance your brand.
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Yapily
Connect to thousands of banks across 19 countries in minutes through Yapily
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Yaspa
Open-banking payments and identity checks for regulated businesses.
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Series C+ 71
10x Banking
Cloud-native core banking platform used by Chase UK, Westpac and other large banks.
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Abound
abound.com - coming soon
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Airwallex UK
Grow your business faster with Airwallex - global business accounts, high speed transfers, multi-currency cards, online payments, embedded finance, and more.
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Allica Bank
Switch to a rewarding business bank built especially for established businesses. Call us on 0330 094 3333 or apply online.
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Capital on Tap
SME business credit cards and spend-management platform for UK and US small businesses.
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Checkout.com
Global payments platform for digital commerce.
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ClearBank
Go back to the home page to find your way, or perhaps check our latest news .
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ClearScore
Get your free credit score and credit report and be ClearScore sure. Check them as often as you like - it won’t affect your score.
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Cleo
AI personal finance assistant
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Codat
API platform giving banks and fintechs standardised access to SMB financial data.
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ComplyAdvantage
FinCrime compliance re-engineered for the age of AI. Automate 95% of reviews and cut onboarding times by 50% with ComplyAdvantage.
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Corgi
AI-native insurance carrier for startups, running a 24/7 founder cafe in Shoreditch
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Crowdcube
FCA-regulated private-market investment platform for primary and secondary startup deals.
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Currencycloud
Cross-border payments infrastructure for banks, fintechs and platforms (Visa-owned).
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Curve
All-your-cards-in-one super wallet
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Ebury
International payments, FX, trade finance and multi-currency accounts for SMEs.
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Equals Money
Listed payments group offering FX, prepaid cards, spend management and embedded money movement for SMEs.
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Flagstone
Access hundreds of savings accounts from 65+ banks. All in one place, with a single application. Open an account.
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Form3
Cloud-native account-to-account payments platform for banks and payment firms.
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Freetrade
Join 1.6m users on Freetrade's award-winning trading platform. Invest commission-free in 7,600+ global stocks, funds, ETFs, and more with an ISA, SIPP, or GIA.
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Funding Circle
Help your business go further with the UK's no.1 platform for small business loans & finance. Borrow up to £750k and get a decision in as little as 1 hour.
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Fuse Energy
Fuse Energy is building the future of energy with cheaper tariffs, better service, and greener goals. Switch to Fuse Energy today
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Genesis Global
Low-code application development platform for capital markets and financial institutions.
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Iwoca
Get a quick decision on iwoca business loans ranging from £1,000 to £1,000,000. Repay in 1 day to 24 months with no penalty for early repayment. Fast, flexible finance for UK businesses.
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Klarna
Manage payments securely with Klarna—online, in store, or with the Klarna Card. Flexible and interest-free options. 18+, T&Cs apply, Credit subject to status.
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Lendable
Consumer lending platform
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Liberis
Embedded revenue-based finance platform that lets partners offer SME funding.
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ManyPets
Pet insurance and vet-care platform for dogs and cats (formerly Bought By Many).
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Modulr
Automate your finance operations with Modulr
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Mollie UK
Start growing your business with Mollie Payments, for online and in-person payments: ✓ Quick setup ✓ Honest pricing ✓ All leading payment methods. Start today »
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Monese
Your banking alternative – manage your money the simple way with Monese. Open accounts in multiple currencies to spend abroad and transfer money.
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Moneybox
UK savings and investment app for ISAs, pensions and home-buying
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Monzo
Mobile-first neobank
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OakNorth
Lending for scale-up businesses
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Onfido
AI-powered identity verification for online businesses.
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Paddle
Increase revenue, reduce risk and reduce cost with the payment solution powering global revenue for n8n, Letterboxd & AdGuard. One platform that handles billing, tax and compliance.
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Paymentology
Global card issuer-processor across 68 countries, adding stablecoin services.
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Paysend
Cross-border payments network for consumers and businesses.
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PensionBee
PensionBee is a global leader in the consumer retirement market with over $7 billion in assets on behalf of more than 275,000 customers.
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Plaid
Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services.
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Pleo UK
The business expenses solution that empowers your people to do more. Join the thousands of companies that trust Pleo to make paying for stuff at work easier
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PrimaryBid
London retail investment platform
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Primer
Payments infrastructure platform unifying checkout, routing and optimisation for merchants.
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Rapyd
With Rapyd, your business can accept and send payments to just about anyone, anywhere. Faster, cheaper and easier. No one gives you more solutions to integrate global payment processing and fintech.
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Ravelin
AI fraud-prevention and payments platform for online merchants (Worldpay-owned).
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Revolut
Global financial super-app
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Salary Finance
Responsible Financial Products and Educational Resources that improve Employee Financial Wellbeing.
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Seedrs
UK equity-crowdfunding platform now trading as Republic Europe.
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Smart
Workplace pension and retirement technology platform for employers and institutions.
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Soldo
Soldo is the prepaid Mastercard® company card that does your expenses for you. Discover a smarter way to manage business spending using company cards
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Starling Bank
Business and personal neobank
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Storfund
Pays marketplace sellers (Amazon, TikTok Shop etc.) on the day they sell.
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Stream
Earned wage access for employers
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Stripe
Stripe is a financial services platform that helps all types of businesses accept payments, build flexible billing models and manage money movement.
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SumUp
Large payments company with London HQ
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Taktile
Agentic decision platform for banks and insurers.
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Tembo Money
Savings and mortgage platform helping first-time buyers onto the property ladder
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Teya
Join 75,000+ UK businesses using Teya. Card machines, business account and funding in one place. Easy setup, next-day payouts. See our offers today.
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Thought Machine
Thought Machine's Vault core banking platform gives banks full control to do, and build, anything they want. We designed the system from scratch to give our clients total choice, flexibility and power. The world's top banks have…
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Tide
Business banking and admin for SMEs
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Token.io
Token.io’s A2A payments infrastructure empowers banks, fintechs, platforms, and payment companies. Reach more payers in more markets, whitelabel and embed Pay by Bank anywhere, and see results fast. Contact us today.
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TransferGo
Low-cost international money transfers aimed at migrant workers and SMEs.
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TrueLayer
Open banking payments and data infrastructure.
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Veriff
AI-powered identity verification solution for fraud prevention.
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Vitesse
Treasury and payments infrastructure for insurers across 200+ countries.
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Wise
International money transfers (LSE-listed)
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WorldRemit
Digital cross-border remittance app under Zepz (with Sendwave).
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YouLend
Embedded financing platform letting marketplaces and PSPs offer merchant lending.
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Zego
Zego makes insurance simple for drivers and businesses, with flexible cover and telematics that reward safer habits - trusted by over half a million UK drivers.
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Zilch
Ad-subsidised buy-now-pay-later
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Zopa
Open a Zopa bank account with cashback and interest. Plus easy-to-use loans, credit cards, savings and more, all in one simple, secure app.
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Bootstrapped 5

3AI
AI-powered deep-factor analytics and indices for institutional equity investors
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apibanking.com
A comprehensive tech stack for simple, fast financial integrations
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dealOS
Raise. Borrow. Exit. The AI capital team for growth companies. We find who fits and guide every step, so you can close the deal.
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LoanTube
FCA-regulated UK loan comparison marketplace with real pre-qualified offers
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Trading 212
Commission-free investing and trading app for stocks, ETFs and interest on cash.
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Stage not listed 10

Chip
Chip is an investing and savings app. Download Chip to begin investing in funds, our general investment account and open a savings account.
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ClaimSorted
AI-powered claims administration for insurers
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Cognitive Credit
Data, analytics and AI for corporate credit, covering 3,500+ bond and loan issuers
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DASH
DASH Cycle to Work is a modern, voucher-free, FCA-authorised UK Cycle to Work scheme with no spending limit, saving employees up to 47% on bikes and e-bikes.
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ETPLink
Shared platform that automates creation and redemption orders for ETFs and ETPs
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Finexer Open Banking
As an FCA-regulated Open Banking platform, we enable businesses to access real-time banking data(AIS) and initiate Account-to-Account payments(PIS) through secure, compliant, and API infrastructure.
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Inginuiti
Inginuiti is the AI Context Layer for Institutional Equities & FICC. We turn published research into secure, AI-ready data for Sales & Trading desks and institutional client workflows.
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Landbay
Buy-to-let mortgage lender working through intermediaries only
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Monee Financial Technologies
Regulated digital market infrastructure for real world asset (RWA) tokenization. Monee Finance brings UK Gilts on-chain under Bank of England and FCA frameworks.
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Planky
Open Banking data and AI credit decisioning for lenders
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