London’s Best Financial Services Companies – To Work For and Buy From

April 14, 2021
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This article showcases our top picks for the best London based Financial Services companies. These startups and companies are taking a variety of approaches to innovating the Financial Services industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top London Financial Services Companies

Data sourced from Crunchbase and SemRush.

Seedrs

Seedrs

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Seedrs is the leading online platform for investing in the equity of startups and other growth companies in Europe and has been named the most active investor in private companies in the UK. Seedr allows all types of investors invest in businesses they believe in and share in their success and allow all types of growth-focused businesses raise capital and business community in the process.

The company do all of this through a simple, highly professional, online process that protects and empowers investors while helping businesses grow and generate returns. .

SumUp

SumUp

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SumUp is a financial technology company that enables businesses to accept card payments at the Point-of-Sale or on the go in a simple, secure, and cost-effective way. It offers an end-to-end EMV card acceptance solution built on proprietary hardware and mobile apps.

This unique offering enabled SumUp to rapidly expand into 16 markets, including the U.S., Brazil, and Germany, making it the mPOS company with the largest global footprint. The company has gone on to develop a full suite of SDKs and APIs for third parties to integrate card payments into their mobile apps.

SumUp has been backed by renowned investors, including Groupon, BBVA Ventures, Holtzbrinck Ventures, and American Express. In April 2016 SumUp has merged with the mPOS company payleven to create the global leader in mobile payment.

The London, England-based fintech company was established by Stefan Jeschonnek, Marc-Alexander Christ, Daniel Klein, Petter Made, and Jan Deepen in 2011.. .

Draper Esprit

Draper Esprit

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Draper Esprit is a venture capital firms in Europe, developing and investing in disruptive, high-growth technology companies. They believe the best entrepreneurs in Europe are capable of building the global businesses of the future.

The company fuels its growth with long-term capital, access to international networks, and decades of experience building businesses. They back ambitious teams including Revolut, Trustpilot, Graze, Ledger, Transferwise, and Graphcore.

In order to provide entrepreneurs with a more flexible approach to funding and to back them for longer, they re-invented the traditional venture capital by ourselves going public in 2016.. .

Starling Bank

Starling Bank

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Starling Bank is an award-winning and fully-licensed bank built to give people a fairer, smarter, and more human alternative to the banks of the past. Starling Bank offers four different account types – personal, business, joint and euro, plus a child card.

Pairing this with a pioneering payment services proposition for businesses, Starling’s world-class tech reimagines banking for life today, putting the tools people need to feel good about money in the palm of their hand. All of Starling’s accounts are protected up to £85,000 by the Financial Services Compensation Scheme..

Greensill Capital

Greensill Capital

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Reformers at heart, Greensill challenges the status quo by working to make global finance fairer and levelling the playing field for all businesses and people alike. The company unlocks capital so the world can put it to work.

Founded in 2011, Greensill is headquartered in London with offices in New York, Frankfurt, Chicago, Miami, Singapore, Sao Paulo, Mexico City, Johannesburg, Sydney, Warrington and Bundaberg. Greensill provides innovative financing solutions to customers across Europe, North America, Latin America, Middle East, Africa, and Asia – injecting more than $150 billion of financing in 2019 to more than 8 million customers and suppliers across more than 175 countries..

Monzo

Monzo

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Monzo is a digital-only bank platform and marketplace that allows customers to access a range of products and services.

Wise

Wise

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Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company was launched in 2011 with the vision of making international money transfers cheap, fair, and simple.

Its multi-currency account helps over 10 million people and businesses manage their money across the world.. .

PPRO

PPRO

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PPRO provides local payment infrastructure for online commerce. It also provides access, processing, and collection services for alternative payment methods and value-added services.

Founded in 2006, their vision from the start has been to simplify access to the many different payment methods required by consumers and businesses across the world. Today they offer a full range of flexible services for payment industry leaders as well as e-money issuing programs for consumers and corporate.

Headquartered in the UK, they are FCA licensed to issue e-money, are principal members of Mastercard and VISA, and continue to strengthen their links with alternative payment method schemes and banks around the world.. .

Assiya Capital Partners

Assiya Capital Partners

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Assiya Capital Partners is a London-based private equity firm focused on growing companies. Our mission is to provide our investors with the highest quality returns from the alternative investment industry and to maintain a commitment to our principles of integrity, discipline, and excellence.

We allow our trading teams to independently focus on the specific opportunities and strategies in which they specialize, subject to our overall risk management, compliance, operational controls, and global exposure hedging, optionally. We prefer trading teams that produce small gains on winning days and small losses on losing days.

Our goal is to have more winning days than losers. We encourage our trading teams to pass on opportunities for non-standard gains if they come with the risk of significant losses.

Our approach to selecting and monitoring trading teams is based on a philosophy of constantly seeking to generate positive incremental returns against limited risk exposure (i.e. a high Sharpe ratio), rather than oversized but more volatile absolute returns.

In order to ensure that this philosophy is implemented in a consistent and disciplined manner, we calculate and set investment guidelines with the trading team.. .

Railsbank

Railsbank

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Railsbank is an open banking API and a banking-as-a-service platform that gives regulated and un-regulated companies access to global banking. The platform provides fintech companies with a range of wholesale banking services, including IBANs, receiving money, sending money, converting money, direct debit, issuing cards, and managing credit through APIs.

It also enables marketers, product managers, and developers to take their financial product prototype, launch, and scale their vision using its open finance platform, financial operations, regulatory licensing, and rich set of APIs. Railsbank was founded in 2015 by Nigel Verdon and Clive Mitchell and is based in London, England..

Zopa

Zopa

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Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. Zopa works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade, and borrowers can then agree the aggregate offered rate.

Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. Zopa also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (i.e.

someone lending £1000 would have their money spread across say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders.

Zopa has received public acclaim as well, having been awarded CNET Technology Awards’ 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan. One of the three initial members of the UK’s Peer-to-Peer Finance Association, together with FundingCircle and RateSetter.

Other P2P lending services include [Lending Club](http://www.crunchbase.com/organization/LendingClub), [Prosper](http://www.crunchbase.com/organization/Prosper), and [Kiva](http://www.crunchbase.com/organization/Kiva).. .

Aave

Aave

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Aave (from the Finnish word for “ghost”) is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing. For lenders, the protocol mints ERC20-compliant aTokens at a 1:1 ratio to supplied assets.

Interest immediately starts compounding continuously, represented by a steady increase in the amount of aTokens held by the lender. This interest stream may be redirected to any address, separate from the aTokens that represent the underlying principal.

Aave offers flash loans: trustless, uncollateralized loans where borrowing and repayment must occur in the same transaction. Aimed at developers, this feature could lead to innovative uses of DeFi..

Celsius Network

Celsius Network

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Celsius is a Blockchain-based marketplace platform where membership provides access to curated financial services that are not available through traditional financial institutions. Celsius specializes in the fields of consumer lending, fintech, and financial services.

It was founded in 2017 and headquartered in London, England.. .

Meniga

Meniga

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Meniga is a digital banking platform that helps banks, businesses, and individuals manage their financial data. Its product offering includes data aggregation, personal and business finance management, cashback rewards, and transaction-based carbon insights.

They are a team of coders, designers, salespeople, and data scientists who get excited about shaping the future of financial technology. They work with complicated solutions that operate across channels, are modular, and customizable for every client.

If you love big data, predictive models, analytics, operational benchmarking, and getting the job done they’d like to hear from you.. .

IP Group Plc

IP Group Plc

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IP Group’s core business is the creation of value for its shareholders and partners through the commercialisation of intellectual property originating from research intensive institutions. Their strength lies in managing this process from finding suitable intellectual property to commercialise to either helping develop businesses and create value out of them, or identifying and establishing appropriate commercial partnerships to do so.

IP Group’s extensive expertise in this area combined with its inside knowledge of both industry and finance have enabled the group to create a formidable track record of consistently delivering excellent results for their companies, for their partners and for their shareholders.. .

GoCardless

GoCardless

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GoCardless is the global leader in recurring payments. GoCardless’ global payments network and technology platform take the pain out of getting paid for businesses with recurring revenue.

More than 40,000 businesses worldwide, from multinational corporations to SMBs, transact through GoCardless each month, and the business processes $10bn of payments each year. GoCardless now has four offices in the UK, France, Australia, and Germany..

Funding Circle

Funding Circle

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When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other.

By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward.

They believe it’s better for everyone.. .

Wagestream

Wagestream

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Wagestream is a financial services firm that allows employees to stream their earned wages into their accounts through an instant app. The app allows them to have complete control over when they get paid.

It also effectively ends the need for employee advances, loans, and employee stress suffered from short term, unplanned financial obligations. The company aims to play a key role in reducing the poverty premium and prevent employees from entering cycles of debt caused by overdraft fees, high-interest credit, or payday loans.

Peter Briffett and Portman Wills was founded in 2018 and is based in London, England. It is backed by QED, Fair by Design, London Co-Investment Fund, and Village Global..

Nexo

Nexo

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Over the past 10 years, we have been providing instant loans to millions of people across Europe. We believe that the expanding digital world helps improve our lives.

We would like to contribute by providing The World’s First Instant Crypto-backed Loans.. .

HSBC

HSBC

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HSBC is one of the banking and financial services organisations in the world. HSBC’s international network comprises around 8,000 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.

With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by around 220,000 shareholders in 119 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.

Through an international network linked by advanced technology, including a rapidly growing e-commerce capability, HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.. .

Capdesk

Capdesk

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Capdesk is an equity management platform helping companies manage cap tables, shareholder registers, and employee shares. It accelerates its customer’s company growth by eliminating admin time to focus on core business tasks.

Capdesk streamlines the equity management by automatically updating cap tables, statutory registers, and various modelings. Digital, end-to-end share issuance transfers, splits, consolidations, and cancellations can be performed seamlessly on the platform.

With the equity information stored on the platform, clients can align stakeholders by giving them easy access to ownership information, share certificates, option vesting schedules, investment amounts, and latest values. The London, England-headquartered company was established in 2015..

Reef Finance

Reef Finance

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Reef Finance is a DeFi platform that enables trading with access to liquidity from both CEXes and DEXes while offering smart lending, borrowing, staking, mining through an AI-driven personalized Reef Yield Engine. Reef Finance is the first Polkadot project ever launched on Binance Launchpool.

Reef Finance was established in 2019 by CEO and founder Denko Mancheski.. .

Barclays

Barclays

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Barclays PLC is a global financial services company that provides various financial products and services worldwide. It is engaged in retail banking, credit cards, corporate and investment banking, and wealth management with an extensive international presence in Europe, the Americas, Africa, and Asia.

The company offers current accounts, savings products, Woolwich-branded mortgages, unsecured loans, general insurance, and banking and money transmission services to small- and medium-sized businesses; investment and insurance products; business lending services; bank assurance solutions; and retail, credit and debit card, and corporate services. It also offers international payments services for consumer and business customers, including credit cards and consumer lending services; investment banking services comprising strategic advisory, financing, and risk management services to large corporate, government, and institutional clients; integrated corporate banking solutions, including cash management, lending, and trade financing services to corporate and financial institutions as well as multinationals; and a range of wealth and investment management services such as international and private banking, investment management, fiduciary, and brokerage services.

With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs more than 147,500 people. Barclays moves, lends, invests, and protects money of more than 48 million customers and clients worldwide.

The company was formerly known as Barclays Bank Limited and changed its name to Barclays PLC in January 1985. It was founded in 1896 and is headquartered in London, United Kingdom..

Codat

Codat

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Codat is an API platform that provides real-time connectivity to the financial software used by small businesses.

iwoca

iwoca

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Iwoca provides small business credit finance services in the United Kingdom. It offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities.

It serves retailers, restaurants, hotels, service providers, and more. Christoph Rieche and James Dear founded iwoca on October 1, 2011.

iwoca’s headquarters is located in London in the United Kingdom.. .

Pollinate Networks

Pollinate Networks

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Pollinate is a software business, focused on reinventing merchant acquiring for banks around the world. The business is based in London, UK, and formed of experts and global industry leaders from the financial services, merchant acquiring, loyalty, and technology sectors.

Over the past decade, the acquiring industry has grown from strength to strength, due to huge advances in technology, changes to regulation, customer demand, and an increase in disruptive payment companies, challenging retail banks for ownership of their merchant relationships. Pollinate is working with banks and enabling them to compete with these disruptors.

Pollinate technology is an innovative cloud-based platform that wraps around a bank’s legacy payment systems. The platform powers merchant and consumer digital experiences including onboarding, portals, and loyalty programs, without costly and distracting platform migrations.

This allows merchants to more effectively manage their businesses with digital tools and data integrations, grow their businesses by connecting with their consumers, and give back to their local communities. For banks, the Pollinate platform helps them to understand and engage with their customers better and build stronger relationships with their merchants and consumers alike.

In 2019, Pollinate successfully enabled the Royal Bank of Scotland Group to re-enter merchant acquiring with NatWest Tyl, providing their business customers with a proposition developed with them at the heart.. .

Augmentum Fintech

Augmentum Fintech

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Augmentum Fintech is one of the leading venture investment firms focusing exclusively on the FinTech sector. They invest in early (but not seed) or later stage investments in unquoted fintech businesses which are high growth, with scalable opportunities, and have disruptive technologies in the banking, insurance and asset management sectors, including other cross-industry propositions.

Augmentum is the only publicly listed FinTech-focused Venture Capital firm in Europe, having launched on the main market of the London Stock Exchange in early 2018, allowing their businesses to have access to flexible funding and support, unrestricted by conventional fund timelines. An investment in Augmentum enables investors to gain exposure to a focused portfolio of fast growing and/or high potential private FinTech businesses based predominantly in the UK and wider Europe to deliver attractive risk-adjusted returns for shareholders..

OakNorth

OakNorth

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In 2005, our co-founders, Rishi Khosla and Joel Perlman, were looking for a working capital facility to support their growing business, Copal Partners, a financial research firm they’d founded three years previously. They approached numerous high-street banks and kept getting variations of the same response – “the computer says ‘No’”.

Despite being a profitable business with strong cash flow and retained clients, none of the commercial banks were willing to lend to them. It was too small a ticket to offset the costs the bank would incur in doing a fundamental assessment of their business and structuring a finance facility for their needs.

A few months later through one of their institutional client’s special situations desk, they managed to secure 100x the amount of debt for a dividend recap. So, an institutional division of a bank was able to support them, but the commercial lending part of the bank was not.

This experience stuck with them. After they’d scaled Copal Partners to a 3,000-employee business and sold it to Moody’s Corporation (NYSE: MCO) in 2014, they set out to address the funding gap they had experienced first-hand and empower the Missing Middle, through launching OakNorth.

OakNorth’s (ON) Credit Intelligence Suite transforms commercial lending by helping banks build deeper relationships with their clients, open new, more profitable opportunities, whilst delivering credit decisions up to ten times faster than traditional models, with lower risk and greater efficiency. Credit Intelligence is a data-driven technology that gives lenders a forward-looking view of the borrower based on expansive and dynamic data sets and scenarios specific to that business, using automated, continuous analysis of multiple drivers across the business, its peer group and the wider economy.

This provides an independent, consistent, detailed framework offering deep contextual insight that enables rapid underwriting, immediate stress-testing and more agile and targeted strategic lending. Built over five years by an engineering and credit science team of over 250 people, the ON Credit Intelligence Suite has propelled OakNorth Bank in the UK into the top 1% of banks in developed markets in terms of RORE and efficiency, enabling it to profitably manage a multi-billion-dollar commercial lending portfolio – benefits that banks across the world can now realize.

Wirex

Wirex

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Wirex is a digital payment platform that aims to make crypto and traditional currencies equal and accessible to everyone. It makes fintech simple.

Its mobile app and Wirex card allows its users to buy, store, exchange, and spend a wide variety of conventional and digital currencies quickly and securely, with no hidden fees and zero fuss. It was founded in 2014 and is based in London, England..

PrimaryBid

PrimaryBid

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PrimaryBid is a technology platform that allows everyday investors fair access to public companies raising capital. PrimaryBid always ensures that retail investors transact at the same time and at the same price as institutional investors.

Through PrimaryBid’s long-term agreement with the London Stock Exchange, the company has created the infrastructure to seamlessly connect everyday investors with public companies when it matters most.. .

Rapyd

Rapyd

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Rapyd is a payments platform that inserts fintech services into any app and simplifies the complex offering of local payment methods. It enables e-commerce merchants, gig platforms, challenger wallets, remittance platforms, online lenders, and traditional banks to break free of their old infrastructure and limitations and create new mobile-friendly solutions.

By utilizing Rapyd’s payments network and Fintech-as-a-Service platform, businesses and consumers can engage in local and cross-border transactions in any market. The Rapyd platform unifies the fragmented payment systems by bringing together 900-plus payment methods in over 100 countries.

Investors such as Stripe, General Catalyst, Oak FT, Coatue, Tiger Global, Durable Capital, Target Global, and TaL Capital backs the company. In 2016, Arik Shtilman, Arkady Karpman, and Omer Priel established the company in London, England..

Genesis Global

Genesis Global

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GENESIS Global was originally started by a team of industry leaders in the Global Financial Markets space with extensive experience in front to back trading technologies across multiple asset classes and business lines. The members of their management and advisory team have held senior global management roles at investment banks around the world and at trading technology software vendors.

Extensive experience with global financial technology vendors. They have a simple strategy, to be a global FinTech company providing best in class solutions and services which are in line with their client’s needs, goals and expectations.

They have a disruptive framework technology and business model to achieve this strategy.. .

Invstr

Invstr

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Invstr is an award-winning investment app that helps you invest smarter. Invstr gives you the confidence, knowledge and expertise to start investing to build your wealth.

Unlike other investing apps, Invstr is committed to educating you before you even make your first trade. Because we believe that investing isn’t just about buying and selling stocks.

It’s about understanding the markets and making more informed investing decisions before risking real money. Invstr lets aspiring investors learn and practice with Fantasy Finance, a virtual portfolio management game.

Get smart with our huge wealth of educational resources, including an in-app investing course, daily podcasts, and live news and updates. When you’re ready, invest from just $5 with our commission-free brokerage and banking platform.

Track and improve your performance with Stats, and get personalized investment picks with Portfolio Builder. It’s everything you need to invest confidently and take charge of your financial future today.

Invstr also boasts a huge community of over 800,000 members. The social aspect of the app makes it unique in that our members can share updates and post to their feeds, send group or private messages, create private leagues to compete against friends and socialize all within the app, forming the first active investing community of its kind.

WorldRemit

WorldRemit

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WorldRemit is an online service that lets people send money to friends and family living abroad, using a computer, smartphone or tablet. It is a convenient, low-cost alternative to traditional money transfer companies that use high street agents and charge high fees.

Money can be received as a bank deposit, cash pick-up, Mobile Money, or mobile airtime top-up. WorldRemit’s service is available to senders in 50 countries.

They offer transfers to more than 140+ destinations across Europe, Asia, Africa, Australia, and the Americas.. .

GFG Alliance

GFG Alliance

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GFG Alliance, the international industrial, energy, natural resources and financial services group. GFG Alliance is an international group of businesses, founded and owned by the British Gupta Family.

It combines some of the world’s leading industrial, natural and financial resources, working together towards the delivery of a common industrial strategy. The Alliance’s ‘end-to-end’ business model encompasses mining, energy generation, metals and engineering, underpinned by industry-friendly financial services, a substantial property investment portfolio and a skills & education-focused charitable foundation..

Soldo

Soldo

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Soldo integrates prepaid Mastercard® cards, a web-based administration console and a mobile app into one intuitive future-ready platform. Soldo was founded by a group of tech veterans and payment pioneers who refused to accept the inefficient and fragmented state of business spending in the 21st century.

With decades of experience in payment services and transactional system development, the team didn’t just slap a brand on an ‘easy’ solution or quick-fix. Instead, they invested heavily in the creation – from scratch – of a world-class technological, regulatory and operational platform.

Soldo’s rock-solid innovation and talented team has attracted in excess of $80 million, in Seed, Series A and Series B funding. Our investors include Accel Partners, Dawn Capital, Battery Ventures, Connect Ventures, InReach Ventures, U-Start and R204 Partners..

Luno

Luno

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Luno is a leading global cryptocurrency company with over 2 million customers in 40 countries and a team of over 250. Headquartered in London, Luno operates across Africa, South East Asia and Europe.

Its products and services make it safe and easy to buy, store and learn about cryptocurrencies like Bitcoin and Ethereum. Luno’s vision is to upgrade the world to a better financial system..

Cleo

Cleo

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Using simplicity and humour, Cleo has helped 4 million people improve their relationship with money. But she’s not a bank.

She’s a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how people feel about finances. Through chat, she provides users with deep insight about money, while suggesting personalised financial products that increase the ability to save.

That said, it’s really our tone of voice that makes us special. Cleo is a product for the next generation – meeting users where they are and building the type of relationship they expect.

That also means dropping the BS.. .

Atomico

Atomico

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Atomico is an international investment firm that focuses on helping disruptive technology companies scale globally. It partners with technology founders at Series A and beyond with a particular focus on Europe, leveraging deep operational experience to supercharge their growth.

The company’s team of founders, investors, and operational leaders have been responsible for global expansion, hiring, and marketing at companies from Skype, Google, and Twitter to Uber and Spotify. It specializes in seed, startup, Series A, early venture, mid venture, late venture, emerging growth, and growth capital investments.

Atomico was founded in 2006 and is headquartered in London, England.. .

Habito

Habito

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Habito is a digital mortgage brokerage services company that offers a personal and modernized approach to the home buying experience.

Freetrade

Freetrade

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Freetrade is a brokerage application that offers free share dealing services. They believe investing should be accessible to everyone that’s why they aims to make it accessible to everyone.

Its app received Best Share Trading Platform at the British Bank Awards 2019. Freetrade was started in 2016 and is based in London, United Kingdom..

gohenry

gohenry

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Gohenry helps young people learn how to earn, save and spend responsibly. Combining web and mobile apps with a debit card with parental controls, the company gives 6 to 18-year-olds hands-on experience of managing money within a safe environment.

Parents set rules and limits, can allocate pocket money automatically, or set tasks and chores for their children to earn extra money. They and the kids can see their earnings, spending, and saving on graphs.

Children and teens can also use budgeting tools to set savings goals and track and filter spending by the retailer, size of spend, and category. It’s a way to give young people financial independence so they can learn by doing, but under a watchful eye and with no danger of debt..

Moneybox

Moneybox

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Moneybox now offers a range of saving and investment products including Lifetime ISAs and Pensions. The company has a community of more than 450,000 customers and a team of 120 people.

It now has £1bn in assets under administration.. .

Trussle

Trussle

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Trussle is a free online mortgage broker that’s making mortgages fairer for everyone. Trussle has taken the mortgage process online, removing the time, hassle and costs involved in securing a mortgage.

Trussle is completely free for customers and receives a fee from the lender once the mortgage was completed. Trussle is a trading style of Trussle Lab Ltd, which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which is authorized and regulated by the Financial Conduct Authority..

Ziglu

Ziglu

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Ziglu’s mission is one of fairness and financial inclusion, empowering everyone to participate in the world of cryptocurrencies, easily, safely and affordably. Ziglu offers transparent, low pricing and intuitive access to a range of cryptocurrencies including Bitcoin, Bitcoin Cash, Ether and Litecoin.

With our Mastercard debit card, Ziglu’s customers also have the freedom to spend, and through the app exchange and send money, where, when and how they want.. .

Monese

Monese

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Monese is a digital banking alternative that provides mobile-only, multi-currency accounts in 31 countries across the European Economic Area, for those who are underserved by the traditional banking system. It was launched in 2015 by Norris Koppel, after his first-hand experience of the hassle involved with opening a bank account in a new country.

With a fully-featured and fully localised banking experience (both its apps and its customer service are available in 14 languages), Monese allows people and businesses to spend and save like locals across Europe. Its proprietary “Know Your Customer” technology can validate a customer’s identity in real-time, allowing accounts to be opened in a matter of minutes, from a mobile app..

Molo

Molo

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Molo is the UK’s first fully-digital mortgage lender. We’re transforming the mortgage experience to make it faster, better and cheaper for our customers.

We achieve this by pioneering technology and AI, to ensure real time decision making and instant data validation, eliminating any paperwork, waiting time and hassle. Direct-to-consumer and straight to the point..

ClearBank

ClearBank

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ClearBank® is the UK’s first clearing bank in more than 250 years. They plan to create a new level of open competition and transparency within the UK market.

Their state-of-the-art technology transforms the clearing bank experience, making payments faster, cheaper and more efficient for everyone.. .

Receipt Bank

Receipt Bank

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Receipt Bank is a paperless bookkeeping platform connecting accountants, bookkeepers, and businesses. Receipt Bank makes it simple to capture, process, and share financial information instantly.

Its unique AI-powered OCR technology and human verification turns documents into digital data faster, with an accuracy customers can trust. Receipt Bank’s AI and automation technologies are used by over 5,000 accounting and bookkeeping firms and small business customers globally, who in turn benefit from cost savings, effortless bookkeeping, and real-time accounting.

Backed by Insight Venture Partners and Kennet Partners, adopted by hundreds of new firms every month and growing 100+ year on year, Receipt Bank is transforming bookkeeping.. .

Ebury

Ebury

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Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally. With Ebury’s integrated financial services and technology, small and mid-size companies can make and receive payments in foreign currencies, enjoy better exchange rates, use emerging-market currencies, hedge currency risk, benefit from liquidity, and finance transactions in more than 100 currencies, easily with a managed service.

In addition, its white-label products are offered via brokers and accountants. Ebury is a growing financial services companies, employing more than 170 people across offices in London, Madrid, and Amsterdam.

Its clients include more than 3,000 mid-size companies. It is regulated by the Financial Conduct Authority..

SteelEye

SteelEye

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SteelEye is a RegTech and data analytics firm that was established to reduce the complexity and cost of financial compliance and enable firms globally to manage their regulatory obligations through a single platform. SteelEye’s ability to bring together, cleanse, index and analyse structured and unstructured data across all asset classes and communication types enables clients to effortlessly meet their regulatory needs, because when all this data is in one place, compliance becomes both easy and cost-effective.

And with everything under one lens, firms also gain fresh insight into their business, helping them improve their efficiency and profitability. To date, SteelEye has launched solutions for record keeping, trade reconstruction, transaction reporting, trade and communications surveillance, best execution reporting, transaction cost analysis and advanced analytics for regulations including MiFID II, EMIR, Dodd-Frank, SMCR and MAR..

Paysend

Paysend

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PaySend is a financial technology platform that solves the universal problem to securely enable any bank card (Visa or MasterCard) to send and receive money worldwide. It is a next generation money transfer platform allowing its users to send funds from card to card from 40 to over 60 countries.

PaySend is a trading name of PaySend plc, registered in Scotland, United Kingdom. Company number 376020.

Founded in 2015, the company is headquartered in London, England, United Kingdom.. .

MarketFinance

MarketFinance

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MarketFinance is a business finance company with offices in London and Manchester. The online platform enables businesses to access a range of flexible finance solutions — quickly and easily.

This smart technology is backed by help from real people so business owners can save time and focus on growing their business. Since 2011, MarketFinance has advanced over £2.6 billion to companies across a range of sizes and sectors, providing working capital and finance for everything from paying staff and suppliers to launching new products or services and accelerating growth.

MarketFinance is backed by Barclays, Santander InnoVentures, European venture capital fund Northzone (invested in Klarna, iZettle, and Trustpilot), private equity group MCI Capital (also invested in iZettle, Azimo, and Gett), and Viola Credit.. .

RateSetter

RateSetter

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RateSetter is a peer-to-peer lending website that allows its users to lend and borrow money directly from each other according to their own interest rates. The business primarily originates unsecured personal loans, and also arranges secured auto dealer financing and property financing.

As a peer-to-peer platform, RateSetter connects investors and borrowers and therefore does not hold deposits or loans on its balance sheet.. .

TransferGo

TransferGo

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TransferGo is a global money transfer company that supports migrant workers to send money back to their relatives without paying unnecessary bank fees. Through the company, migrants have the ability to transfer money overseas with the help of a digital account-to-account business model.

As it is a licensed and authorized payment institution controlled by the FCA under the supervision of HMRC, the company is considered as a secure way of transferring money. Since it removes the costs of international transfers, TransferGo is a fit for businesses to pay their suppliers.

It charges a fixed fee for transferring money as well as a 0.6% to 1.5% fee for the currency conversion per transaction.. .

Assetz Capital

Assetz Capital

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A Peer to Peer business lender. Active in the SME finance, bridging and property development sectors.

Led by a professional team of highly experienced lending professionals with past experience lending at banks, working in insolvency practitioners and in accountancy. Finance is provided by the Assetz group investor base of more than 90,000 HNW individuals through a second generation P2P lending platform.

All loans are assessed individually and tangible security taken on all loans in a significant departure from the normally relatively unsecured nature of Peer to Peer lenders.. .

BIMA

BIMA

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BIMA is an insurtech player using mobile technology to provide insurance and health services to emerging markets. To serve its customers, the company has developed a proprietary technology platform, established exclusive partnerships with mobile operators, and built relationships with international insurers.

BIMA utilizes its technology platform to serve customers in 13 countries across Asia, Africa, and Latin America and has reached to date 31 million subscribers.. .

PaymentSense

PaymentSense

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Paymentsense is a financial technology company providing card payment solutions for small and medium-sized businesses in the UK and Ireland.

Credit Kudos

Credit Kudos

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Credit Kudos is a credit bureau that uses financial behaviour and data through open banking to measure creditworthiness.

Farewill

Farewill

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Farewill is a will writer and funeral and direct cremation provider which leverages a platform to simplify complex processes, avoids legal jargon and hidden fees. It is a provider of an all-in-one financial and legal services platform used to deal with all paperwork after death.

It enables clients to manage their wills online using simple and affordable digital tools through round-the-clock customer service operations. Farewill was founded in 2015 and is headquartered in London, England..

Plum Fintech

Plum Fintech

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Plum Fintech is a developer of personal savings assistant solutions for customers. It offers Plum that monitors the daily spending and automatically sets money aside that the user won’t need; analyzes the account to learn about the income, expenses, and spending patterns, monitors the current account and every few days transfers some money from it to the user’s Plum savings, and notifies the users about their balance.

Alex Michael and Victor Trokoudes founded Plum Fintech on February 1, 2016. It has its headquarters in London in the United Kingdom..

Moneyfarm

Moneyfarm

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Moneyfarm is an independent financial services provider that offers online financial advisory and execution services in Italy, Germany, and the United Kingdom. The company enables its users to manage their money in an efficient way and offers a unique service in Europe that provides personal advice on ETFs and trading activity.

Moneyfarm identifies its users’ investor profiles through an online questionnaire and offers them one of 12 diversified investment portfolios tailored to their profiles. Launched in 2012, Moneyfarm’s revenues come only from its clients’ fees.

The company does not take any back-end fees or commissions from other financial institutions. It is headquartered in London, England..

Omnio

Omnio

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They are Omnio. They work with you to help your business deliver innovative, reliable banking and payment services that meet both your current and future customers’ needs.

Formed in 2018 from the merger of leading Fintech specialists, PCT and Tuxedo Money Solutions, they are experts in the delivery of banking and payment solutions for business. Through our cloud-based digital platform and our back office services, they can support your business in offering reliable and robust banking-grade financial services to your customers.

With operations in Europe, Australia, North America and Africa, they support many of the world’s leading businesses and government organisations in delivering innovative and effective financial products.. .

Griffin

Griffin

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Griffin is making a bank you can build on. They provide banking-as-a-service solutions for companies that want to offer financial services products.

The company is currently seeking regulatory approval from the PRA and FCA to become the UK’s first platform bank. It was founded in 2017 and based in London, England..

BCB Group

BCB Group

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Europe’s leading provider of business accounts and trading services for the digital asset economy

Tandem

Tandem

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Tandem is building a bank and financial management universe, focused on freeing users from financial stress by making money simple.

Arachnys

Arachnys

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Arachnys provides cloud-based solutions for assessing financial crime customer risk and CDD, KYC, and EDD compliance. It consolidates valuable business information from emerging markets to help companies increase opportunities and reduce risk in complex but attractive markets like India, China, Russia, and the Middle East.

Emerging markets are seeing an explosion of business information coming online, but information is fragmented, badly organized, and often unsearchable. Current business information providers’ models focus on easy-to-obtain data but do not allow for the extraction of important data locked into siloed corporate and governmental datasets.

Arachnys uses domain expertise from the security and investigative industry alongside innovative spidering and scraping technology to identify high-value information buried in the deep web and make it searchable and accessible to businesses – investment banks, hedge funds, law firms, accountants, and risk consultancies – who are increasingly looking to emerging markets for growth.. .

Bud

Bud

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Bud is a financial network combining APIs & data to create a new species of connected experiences.

Form3

Form3

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Form3 delivers cloud-based connectivity, payment processing, clearing and settlement services. It is a fully managed payment technology service combining a powerful AWS cloud processing platform, multiple-scheme payment gateways and a fully managed 24×7 service model.

Form3’s powerful micro-services architecture and API’s provide a single point of simple access to the full universe of payment schemes. Its clients include a wide range of regulated financial institutions, including leading banks, non-bank financial institutions, and fintech companies (payment institutions, e-money providers, and pre-paid card providers).

Form3 was founded in 2016 and is based in London, England.. .

Funding Options

Funding Options

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Funding Options is a business to business services marketplace platform operating in the UK and the Netherlands.

LATOKEN

LATOKEN

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LATOKEN is a platform for assets tokenization and trading that focuses on liquidity for new tokens. It has recently entered CoinMarketCap’s Top 50 by trading volume.

Our mission is to make capital markets and trading available 24/7 T+0, with a broader range of asset classes. We aim to facilitate capital reallocation into promising businesses, which will foster job creation via higher productivity.

Major crypto pairs and ICO tokens are already available for trading on our exchange. Now we’re working on acquiring all the necessary licenses for launching a full-scale trading of asset tokens.

Key features of LATOKEN Exchange: ✅ Top 50 by daily trading volume ✅ 110+ crypto pairs available for trading ✅ Access to Token Sales at presale and crowdsale stages ✅ 80,000+ registered traders ✅ Low trading and withdrawal fees ✅ Instant exchange (LA DIRECT) ✅ Crypto/fiat gateway ✅ New trading pairs added every week ✍️ Looking for a job? Check our current job openings here or send us your CV at [email protected]. .

Transak

Transak

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Transak is a single integration for applications to accept fiat-to-crypto deposits and withdrawals from a global user base. It does this by aggregating fiat on-ramps from around the world and abstracting away the complexity of local compliance, payment methods, and operations.

The Transak product is a widget integration that can be integrated into an app in just a few lines of code. It provides a fiat on-ramp for the UK, Europe, and India for the app’s end-user without leaving their site..

Chip

Chip

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Chip Financial is an automatic savings application designed to simplify and automate the process of saving money. The application utilizes artificial intelligence, open banking technology, and a disruptive approach to traditional banking to automatically save money for customers, enabling users to save money and get better returns automatically.

The company was founded in 2016 and is headquartered in London, England.. .

Radix

Radix

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Radix DLT is building a decentralized finance protocol that provides access, liquidity, and programmability of any asset in the world. Designed to solve many of the pain points in today’s centralized financial system – involving lack of access, poor liquidity, and high costs – the company’s protocol removes these frictions through a series of technological advancements while enabling the next generation of financial apps and services to be built.

Public ledgers, like the one developed by Radix, are managed and operated by the communities using them. This creates a decentralized, permissionless, transparent system that democratizes access to financial services while creating a network of assets to allow for the secure flow of data and capital.

The company’s protocol not only creates a permissionless, frictionless framework upon which innovative Defi services can be developed and run, but it has also solved two of the biggest challenges – scalability and security.. .

Pockit

Pockit

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Pockit is a fintech business that focuses on providing financial services primarily to customers who are typically excluded or at least underserved by high street banks. It provides a digital banking app designed to cater to the underbanked masses.

An account with Pockit takes just two minutes to open and comes with an online account, contactless MasterCard, and mobile app. There are no credit checks, just an online form, and a one-off payment of 99p.

Account-holders can have their salary, benefits, or pension paid in via bank transfer, or with cash at any of the 30,000 PayPoint locations across the UK. The company was founded in 2012 and is headquartered in London, England..

Prodigy Finance

Prodigy Finance

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Prodigy Finance is an online platform that offers community loans to international postgraduate students. The student borrowers gain access to higher education that they might not otherwise be able to finance, and the investing community earns financial and social return through their investments.

Banks examine student loan applications using localized lending templates and historic earnings in order to assess cross-border risk and lend to students from over 150 nationalities. These loans are collectively funded by a community of alumni, institutional investors, and qualified private investors.

Founded in 2007, the company is headquartered in London, United Kingdom.. .

3S Money

3S Money

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3S Money is a digital B2B merchant banking platform.

Tymit

Tymit

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Tymit is a provider of credit cards that offers financing purchases overtime and manages the monthly budget. It helps to potentially provide a better option compared with the incumbent services, which could result in higher risk of debt problems.

The company’s card is made by leveraging updated technology that offers financial flexibility to change payment plans, no hidden fees or sneaky terms that expires without notice, enabling customers to get a credit card that is economical, transparent, flexible and feasibly available anywhere when needed. Tymit was founded by Martin Magnone and Juan Montalvo Bressi in 2017..

Hastee

Hastee

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Hastee is an employee benefit that companies can offer to their workforce. It empowers employees to receive their earned pay immediately to increase their choice and financial wellbeing.

Companies profit from the improved productivity, engagement, recruitment & retention of their workforce, with zero cost or impact on company cash-flow. The company was founded in 2017 and is headquartered in London, England..

Curve

Curve

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Curve is a banking platform that consolidates cards and accounts into one smart card and app. It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up.

Curve offers a host of benefits to its customers; it makes cards fee-free when spending abroad, get instant notifications and categorization of spend, earn an instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card.

IDC Ventures backs Curve with Fuel Venture Capital, Vulcan Capital, OneMain Financial, and Novum Capital backs Curve. Shachar Bialick, Anna Mostyn Williams, and Tom Foster-Carter established the company in London, England in 2015..

Taptap Send

Taptap Send

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Taptap Send is an app that lets immigrants send money back home to Africa instantly and at very low prices. Since launching in summer 2018, it has already moved hundreds of millions of dollars and reached hundreds of thousands of customers.

It is live in seven European countries, and support payments into Ivory Coast, Senegal, Mali, Ghana, Guinea, Cameroon, Bangladesh, Kenya, Madagascar, Zambia, Vietnam, and DRC, with more countries launching soon. .

Marshmallow

Marshmallow

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Marshmallow is an insurtech. Being one of the only EU based insurtechs to own their own insurance company – they have total control of the entire value chain, from sign-up and pricing through to claims affording them the unrivalled ability to deliver an exceptional customer experience.

Operating in an archaic industry worth trillions of dollars Marshmallow started by doing car insurance in the UK but will offer multiple insurance products in multiple geographies – all driven by technology. They have raised around $50m to date from top tier investors..

Apax Partners

Apax Partners

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Apax Partners is an independent global partnership focused solely on long-term investment in growth companies. Funds advised by Apax Partners typically invest in large companies with an enterprise value between €1bn and €5bn.

The Funds invest in four sectors: Tech & Telco, Services, Healthcare, and Consumer. Releasing potential is at the heart of everything they do.

Whether it’s identifying potential investments, growing their portfolio companies or realising their value at the right time, their strategy is geared to releasing potential. Throughout over 30 years since the raising of the first fund, the company has successfully invested across all investment stages, and through several complete economic cycles.

The firm’s current success is rooted in a culture that has always been outward looking, pioneering and committed to growing businesses. The deep understanding of the four sectors in which it invests has been at the core of Apax Partners’ strategy, giving it early access to investment opportunities and an ability to quickly add value to portfolio companies..

Paga

Paga

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Paga is a mobile payment company. We are building an ecosystem to enable people to digitally send and receive money, and creating simple financial access for everyone.

Our mission is to make it simple for one billion people to access and use money. Our first market is Nigeria where Paga is the leading mobile payment company..

Tide

Tide

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Tide’s mission is to help SMEs save time (and money) in the running of their businesses. The Tide platform not only offers business accounts and related banking services, but also a comprehensive set of highly usable administrative solutions, such as full integration with accounting systems.

Using advanced technology, all solutions are designed with SMEs in mind. Tide is now the emerging leader in SME challenger banking in the UK.

Tide believes that truly serving SMEs well requires relentless focus on their needs. That is why Tide is SME only..

Capital on Tap

Capital on Tap

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Capital on Tap is a lender that provides working capital such as loans and credit cards to small businesses.

Lloyd's

Lloyd’s

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Lloyd’s is the world’s specialist insurance market.

ezbob

ezbob

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ezbob is a pioneer in the rapidly growing ‘lending-as-a-service’ (LaaS) sector. We offer a best-in-class modular and end-to-end lending solution and guide banks and financial institutions through complex digital transformation.

ezbob offers an open platform that enables financial institutions to build, launch and operate financial products for their customers, drawing on the data-rich open banking environment. It has cut loan servicing costs for clients by up to 80%, whilst allowing their SME customers to receive a lending decision in just 7 minutes, with funds transferred on the same day.

It’s proving a game changer for the lending sector. In 2019, ezbob won ‘Best Fintech Partnership’ in The Banker’s Tech Projects Awards for the company’s Smart Onboarding product and was also a winner in the Banking Technology Awards, organised by FinTech Futures..

10xbanking

10xbanking

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10x Future Technologies, founded by former Barclays CEO Antony Jenkins, will transform the way financial services providers operate with its new core digital banking platform. At the heart of the platform will be a full suite of enterprise-grade capabilities covering banking process automation, compliance reporting, security and analytics, all enabled by leading technology.

10x Future Technologies will offer banks a secure, cloud-based operating system with advanced database design and data modelling services with a modular construction and open APIs. Its technology will enable a single point of entry for other financial technology providers to engage with banks through a secure connection..

Oval Money

Oval Money

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Oval is a platform designed to tackle the global issue of financial literacy by empowering people to be wiser about their money. Oval helps users save quickly and effectively, by teaching them to monitor spending habits and by making savings automatic.

The app also leverages a community experience to make saving more dynamic. They have consulted the brightest minds in personal finance and behavioural economics to develop the artificial intelligence that guides users to better spending and to making regular contributions to their secure digital savings account.

With no hidden fees and robust privacy controls, Oval brings trust back into personal finance and opens it to everyone. Oval was launched in 2016, and is based in London, UK and Turin, Italy.

The team is committed to driving education, fairness, and financial inclusion in the industry. Learn more at http://www.ovalmoney.com.

Nethermind

Nethermind

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API marketplace with blockchain payments for pay as you go for API usage, Ethereum clients, infrastructure and consulting.

Sonovate

Sonovate

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Sonovate is changing how businesses of all shapes and sizes access finance and support to manage their freelance workforce. Sonovate has helped businesses, from recruitment startups to large-scale organisations who’ve grown tired of the traditional approach to finance from the banking world.

It offers a full end-to-end work pay solution, taking care of tasks such as: credit control, invoicing, payments, contracts, compliance and timesheets through its cloud-based placement management application.. .

Fluidly

Fluidly

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Fluidly is fundamentally rethinking the way businesses plan and manage cashflow, using data science, accounting domain expertise and machine learning. Fluidly provides intuitive cashflow forecasting and management powered by AI.

Fluidly is for modern businesses that want to know exactly what their financial future holds and how to optimise it. Cashflow forecasting and management is the gateway to financial decision-making.

Whether you want to hire a team member, open an extra office, invest in new equipment or simply pay an upcoming bill it’s important to know you have the cash to afford it. A clear picture of your future cash position is important so you can take the decisions that count.

But traditional cashflow forecasting is broken. Monthly models built on spreadsheets take days to build and hours to update.

Even then they are too high level to manage cashflow day-to-day when it really matters. No wonder cashflow is one of businesses biggest pain points.

Enter Fluidly – intuitive cashflow forecasting powered by AI. Fluidly is for modern businesses that want to know exactly what their financial future holds and how to optimise it.

DIEM

DIEM

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DIEM, is a circular economy-oriented fintech company, launching in the UK on September 28th 2020. It’s mission is to empower consumers to value, unlock, and enjoy wealth they never knew they had.

Best described by its founder, Geri Cupi as the “Bank of Things”. DIEM offers a highly unique service on top of regular debit card access, competitive international transfer rates and user friendly spending analytics.

In simple terms, DIEM enables consumers to receive instant payments for their things.. .

Payhawk

Payhawk

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Payhawk is a spending software that simplifies expenses, payments, and card spending for growing businesses. The company’s platform enables financial officers and business owners to manage the entire spending lifecycle end-to-end.

It collects and analyzes receipts, invoices, and card transactions to help stay in control of the budget with no paperwork for the employees. With its paperless corporate card linked to an automated expense management, Payhawk provides a product on top of existing banks.

Payhawk was founded in 2018 and is headquartered in London, England.. .

Demica

Demica

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Demica provides innovative working capital solutions to major corporations and financial institutions.

PwC

PwC

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PricewaterhouseCoopers (PwC) is an accounting firm that provides assurance, audit, tax, human resources, transactional, performance improvement, and crisis management services. It serves sectors such as aerospace and defense, healthcare, hospitality and leisure, industrial manufacturing, real estate, retail and consumer, technology, transportation and logistics, financial services, entertainment and media, chemicals, metals, banking and capital markets, automotive, private equity, and more.

PricewaterhouseCoopers was founded through a merger between Price Waterhouse and Coopers & Lybrand in 1998.. .

B2C2

B2C2

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Founded in 2015, B2C2 Ltd. are now one of the largest liquidity providers in crypto assets.

Financial institutions and large volume traders trust B2C2 for seamless cryptocurrency trading, with plug-and-play connectivity, short selling, and post-trade settlement.. .

Trade Ledger

Trade Ledger

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Trade Ledger is a Business lending platform.

Mercuryo

Mercuryo

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The ecosystem of cryptocurrency payment solutions.

Cashaa

Cashaa

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Cashaa is a neo-bank providing services to hundreds of businesses from the crypto industry. We are on a mission to become a first choice “better than the bank” for the next generation of business and individuals who are dealing in cryptocurrencies.

Our partners include Paysafe Group and many other financial institutions regulated by the FCA, Central Bank of Lithuania, and Colorado Division of Banking.. .

You may write to us at: BestStartup.co.uk/Fupping Ltd, 349 Royal College Street, London, England, NW1 9QS.

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