Fintech Companies in Bristol: 26 Active Firms (2026)
Fintech companies in Bristol build financial technology for payments, lending, data and digital assets across the city region.
Buying centres in Bristol fintech tend to sit with finance, risk, product and operations teams rather than broad IT procurement. The buyer is usually a UK merchant, lender, financial institution or regulated service provider looking for payment acceptance, lending workflows, account information, onboarding or compliance tooling. Engagements are typically operational: these products plug into money movement, customer verification, credit assessment or reporting processes, so buying cycles tend to involve legal, compliance and information-security checks. The cohort also includes infrastructure suppliers serving other regulated firms, where procurement is shaped by resilience, auditability and FCA-facing obligations rather than simple software preference.
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Bristol accounts for 26 actively trading fintech companies, making this a compact city cohort rather than a broad national cluster. Reported employment across Bristol fintech reaches 390 people, which points to a labour footprint concentrated in lean commercial and technical teams. Commercial scale is uneven: 3 companies report turnover above £5M, while the same count has been incorporated since 2022. That mix suggests a local market with a small set of revenue-established operators and a thinner layer of newer entrants, rather than a wide base of recently formed fintech start-ups.
Regulatory exposure depends less on the fintech label than on the service being sold. Payment-account operation, card payments, acquiring, money remittance, account information and payment initiation can bring firms into the FCA perimeter under the Payment Services Regulations. E-money issuance is treated separately under the Electronic Money Regulations unless a firm is exempt or already permitted under FSMA. Digital asset activity is also moving further into FCA supervision; once the new regime is live, in-scope cryptoasset businesses will need authorisation before doing business in the UK. For Bristol suppliers selling into regulated customers, compliance due diligence is often part of the sales process even where the supplier itself is not directly authorised.
Bristol’s fintech pipeline appears selective rather than broad. The local pattern tends to favour infrastructure, payments and workflow businesses that can sell into regulated buyers without needing very large teams. New formation has been present but not deep enough to suggest a crowded start-up field, so the next stage is likely to depend on whether existing operators can keep converting specialist products into repeatable sales. Regulatory scrutiny should continue to shape product design, especially where customer money, account access or digital asset services are involved. Consolidation into larger financial-software groups remains plausible for firms with defensible integrations and regulated-sector customers.
What’s in the file
One row per company, 50+ columns — everything below plus each company’s verified directors, from Companies House filings.
Company data
Verified directors — included
26
Active firms
2026
3
Above £5M
reported turnover
3
Incorporated since 2022
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Key facts
About 11% of the trading cohort reports turnover above £5M (3 of 26 firms) — the rest sits below that revenue band.
11% of the cohort was incorporated since 2022 (3 firms), so a sizeable share is in its first few filing cycles.
Fintech is not a single regulated activity in the UK; obligations depend on whether a firm handles payments, e-money, lending, financial data or cryptoasset activity.
The Payment Services Regulations 2017 cover payment-account operation, card payments, acquiring, money remittance, account information services and payment initiation services.
E-money issuers must be authorised or registered by the FCA under the Electronic Money Regulations 2011 unless exempt or already permitted under FSMA.
In-scope cryptoasset businesses are expected to need FCA authorisation from 25 October 2027 to do business in the UK.
Global fintech investment fell 20% to $43.5 billion in 2024, while the UK ranked second with $3.6 billion in a 2025 update.
Top Bristol Fintech companies
Financial sub-scores
Computed from 2 filingsDevelops financial data aggregation and analytics software for banks, lenders and pension providers. Provides APIs and tools for transaction categorisation, customer data enrichment, segmentation,…
Serves banks, lenders, pension providers, wealth managers and master trusts seeking data-driven personalisation, decisioning and payments capabilities for digital financial services.
Financial Health
StableStable · 0% CAGR over 1y
Location
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Financial sub-scores
Computed from 5 filingsProvides digital payment software for the travel industry, enabling businesses to issue virtual cards, create multi‑currency funding accounts, and make supplier payments via bank transfer or card.…
Serves finance and operations teams at B2B travel companies, including online travel agencies, airlines and hotels, with supplier payment needs across multiple currencies and countries.
Financial Health
StrongStrong · Growing, Hiring · 44% CAGR over 4y
Location
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Financial sub-scores
Computed from 3 filingsProvides software platforms for financial institutions managing wholesale banknote trading, foreign exchange retail operations, travel money sales, and international payments. Includes modules for…
Serves banks, financial institutions and money service businesses involved in wholesale banknote and precious metals trading, retail FX, remittance, travel money, cash centre operations and…
Financial Health
WeakWeak · -17% CAGR over 2y
Location
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Provides an investment platform for financial advisers, offering discretionary fund management, multi‑asset model portfolios, portfolio administration, and reporting tools to manage client…
Serves UK financial advisers, paraplanners and adviser firms managing retail investor client portfolios, including firms with model portfolio, ESG, retirement and income investment propositions.
Location
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Financial sub-scores
Computed from 5 filingsProvides a sustainability-focused fintech app and debit card that rewards users for ethical purchases, walking and low‑carbon activities. Points earned can fund tree planting and be redeemed for…
Serves eco-conscious consumers interested in sustainability, ethical spending, rewards, tree planting, public transport incentives and refurbished green tech through a consumer debit-card and…
Financial Health
WeakWeak · -32% CAGR over 3y
Location
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Financial sub-scores
Computed from 5 filingsDevelops software for credit management and debt collection, providing invoice‑to‑cash systems that help organisations manage accounts receivable, automate collections workflows, and track debtor…
Serves B2B credit and collections teams at corporates, debt collection agencies, law firms and other organisations managing invoice-to-cash processes.
Financial Health
HealthyHealthy · Growing, Hiring · 3% CAGR over 3y
Location
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Financial sub-scores
Computed from 5 filingsOperates an investment platform for financial advisers, providing portfolio management services, model portfolios and access to third‑party discretionary fund managers. Offers multi‑asset investment…
Serves UK financial adviser firms, advisers and paraplanners seeking an investment platform, model portfolio services and investment management options for their end clients.
Financial Health
StableStable
Location
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Financial sub-scores
Computed from 5 filingsProvides investment and savings platform services for retail investors, including stocks and shares ISAs, self‑invested personal pensions, fund and share dealing accounts, cash savings products, and…
Serves UK retail investors, savers and pension customers, including adults managing ISAs, SIPPs and savings accounts, parents investing for children, and employers or employees using workplace…
Financial Health
StableStable
Location
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Financial sub-scores
Computed from 4 filingsProvides short‑term property‑backed lending including bridging loans, development finance, development exit loans and mezzanine finance. Offers first and second charge loans secured on residential or…
Serves B2B property developers, property investors and business borrowers needing non-regulated finance secured against residential or commercial property, alongside brokers and introducers placing…
Financial Health
HealthyHealthy
Location
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Financial sub-scores
Computed from 4 filingsProvides institutional digital asset investment services including cryptocurrency asset management, trading and market making. Develops and operates strategies and infrastructure for liquidity…
Serves non-U.S. qualified institutional investors, professional investment entities and eligible digital-asset market participants in permitted jurisdictions, rather than retail consumers, subject to…
Financial Health
HealthyHealthy · Hiring · 115% CAGR over 3y
Location
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Financial sub-scores
Computed from 5 filingsDevelops AI-based decision analytics software for asset managers and financial institutions. The platform automates investment operations tasks including NAV oversight, financial statement review,…
Serves B2B financial institutions, especially asset managers and fund operations teams handling investment operations, NAV oversight, reconciliation, and financial reporting across major fund…
Financial Health
StableStable · -16% CAGR over 4y
Location
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Provides shareholder registry and transfer agency services for listed companies, including share registration, corporate actions and proxy voting administration. Also administers employee share…
Serves public companies, issuers and financial institutions, plus shareholders, employee share plan participants, financial advisors, brokers and custodians.
Location
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Provides share registry and transfer agency services, employee share plan administration, corporate trust and proxy solicitation services, and platforms for entity compliance, investor…
Serves corporate issuers, structured finance teams, employee share plan sponsors, shareholders, employee plan participants, and financial advisors, brokers or custodians.
Location
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Provides share registry and transfer agency services, employee share plan administration, corporate trust and securities services, proxy solicitation, entity management, and investor communication…
Serves businesses and consumers: listed issuers, corporate finance and structured finance teams, employee share plan sponsors, financial institutions, financial advisers/brokers, individual…
Location
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Financial sub-scores
Computed from 2 filingsProvides cloud-based software and CRM for alternative investment firms including private equity, venture capital and hedge funds. Platform supports deal management, investor relations, fundraising,…
Serves B2B alternative investment firms and allocators, including private equity, venture capital, hedge funds, real estate and infrastructure investors, funds of funds, pensions, endowments, family…
Financial Health
WeakWeak · -4% CAGR over 1y
Location
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Provides transfer agency and share registry services, employee share plan administration, corporate trust and loan administration, proxy solicitation, and entity compliance services. Also offers…
Serves public companies, issuers, corporate finance and structured finance teams, employee share plan sponsors, shareholders, employee plan holders, and financial intermediaries such as advisors,…
Location
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Provides share registry and transfer agency services, employee equity plan administration, corporate trust and proxy solicitation services, and entity compliance management. Offers platforms and…
Serves listed companies, issuers, corporate trust clients, employers with employee share plans, alternative investment firms, individual shareholders, employee share plan participants, advisers,…
Location
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Provides transfer agency and shareholder recordkeeping services, administration of employee share plans, proxy solicitation, corporate trust and entity management services, and platforms for managing…
Serves public companies, issuers, corporate finance and governance teams, plus shareholders, employee share plan holders, financial advisers, brokers, custodians and alternative investment…
Location
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Provides share registry and transfer agency services, employee equity plan administration, proxy solicitation, corporate trust and entity management services, and online platforms for investors and…
Serves both businesses and individual investors. Sells to listed companies, issuers and corporate trust clients needing registry, employee share plan, governance and stakeholder services, plus…
Location
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Financial sub-scores
Computed from 5 filingsDevelops AI software that extracts, normalises and searches data from unstructured documents for private equity and other private markets. Provides dashboards, analytics and APIs that integrate…
Serves B2B customers in private markets, including institutional investors, fund administrators, general partners and fund managers, with emphasis on private equity teams handling investment and…
Financial Health
StableStable · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides utility bill management services for households and shared accommodation. Sets up and manages utility services with suppliers, consolidates them into a single monthly payment, and provides…
Serves students in shared accommodation, renters and homeowners, including housemates splitting household utilities and individuals managing bills alone.
Financial Health
StrongStrong · Growing, Hiring · 45% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides cloud-based travel technology for the travel industry, including passenger management systems, travel content distribution platforms, ancillary merchandising services, and digital payment…
Serves B2B customers in the global travel industry, including airlines, travel retailers, tour operators and travel technology partners handling passenger management, distribution, ancillary sales…
Financial Health
WeakWeak · 1% CAGR over 4y
Location
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Computed from 5 filingsDevelops payment processing and income management software that enables organisations to accept and manage payments via web, telephone, face‑to‑face and automated systems, with tools for…
Serves public sector organisations, especially local authorities and their finance, income management and credit control teams, that handle payments from citizens and businesses.
Financial Health
StrongStrong
Location
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Financial sub-scores
Computed from 5 filingsDevelops transaction data enrichment APIs for banks and fintech platforms, converting raw payment transaction records into structured information such as merchant names, logos, locations, categories,…
Sells to banks, building societies, fintechs and payment providers, particularly digital banking product, engineering and customer service teams serving consumer banking users.
Financial Health
WeakWeak · -66% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides fintech-based credit broking services connecting consumers with lenders. Develops technology platforms using data and open banking to assess affordability, manage loan applications, and…
Serves B2B partners including UK lenders, consumer-credit providers, financial intermediaries and comparison sites, as well as consumers seeking loans and other financial products through digital…
Financial Health
StableStable · -40% CAGR over 4y
Location
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Computed from 5 filingsDevelops and provides software for managing debt collection and recoveries. The platform offers real-time reporting, workflow automation, customer engagement tools and integrations such as Open…
Serves B2B collections and recoveries teams of all sizes, especially lenders, banks, credit card providers, credit unions, mortgage and motor finance firms, retail lenders, telecoms, utilities and…
Financial Health
HealthyHealthy · Hiring · 11% CAGR over 4y
Location
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Provides asset-based lending and business finance including invoice finance, asset finance, bridging loans, trade finance, and structured funding. Advances cash against invoices, assets, or…
Serves UK business owners and finance brokers/introducers, particularly SMEs needing working capital or asset-backed funding, with sector focus on construction, recruitment, trade, asset purchases…
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Financial sub-scores
Computed from 5 filingsOperates an online platform providing digital asset financial services, including cryptocurrency trading, investment products, staking and yield accounts, collateralised lending, custody, and…
Serves retail crypto users, high-net-worth individuals, miners and institutional digital-asset clients, including funds, trading firms and listed companies seeking crypto finance access globally.
Financial Health
StableStable · Hiring · 9% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides nominee and custody services for an investment platform used by financial advisers. Holds client assets and facilitates administration of investment portfolios, ISAs, pensions and other…
Serves UK financial advisers and adviser firms, with related resources for their investor clients, focused on retirement, pensions, ISAs and portfolio administration.
Financial Health
StableStable
Location
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Provides an investment platform for financial advisers, offering tools and administration for managing client portfolios. Supports investments such as funds, ISAs and pensions, with portfolio…
Sells to financial advisers and wealth management firms, supporting professionals who manage client investments, pensions, ISAs and retirement planning through platform-based services and tools.
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Financial sub-scores
Computed from 5 filingsDevelops a mobile app that helps couples manage shared finances by connecting bank accounts, tracking balances and transactions, splitting expenses, monitoring subscriptions and bills, and viewing…
Serves B2C consumers, specifically couples and partners who share household bills, expenses, subscriptions, bank accounts, credit cards, or investments and want joint visibility without necessarily…
Financial Health
StrongStrong · Growing, Hiring · 6% CAGR over 4y
Location
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Provides asset-based lending and business finance including invoice finance, asset finance, bridging loans, trade finance and structured funding. Supports companies with working capital, equipment…
Targets SMEs and larger businesses needing working capital or asset-backed funding, with specialist segments in construction, recruitment and trade, and works with finance introducers.
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Financial sub-scores
Computed from 4 filingsProvides foreign exchange brokerage services, arranging international currency transfers and conversions for businesses and individuals with cross‑border payment needs, including importers, exporters…
Sells to businesses and individuals with international currency payment needs, including importers, exporters, companies relocating staff to and from the UK, people buying or selling property abroad,…
Financial Health
WeakWeak · 0% CAGR over 3y
Location
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Provides an investment platform for financial advisers to manage client portfolios, including ISAs, pensions and investment accounts. Offers portfolio administration, investment solutions, and online…
Serves UK financial advisers, wealth managers and adviser firms, supporting their work with retail investor clients across pensions, ISAs and investment portfolios.
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Financial sub-scores
Computed from 5 filingsProvides brokerage and servicing for business finance, arranging access to short‑term funding such as unsecured business loans, merchant cash advances, cash flow loans and small business loans…
Serves small businesses seeking short-term funding, including retail, hospitality, healthcare and manufacturing firms, and works with brokers, accountants, lenders and investors as partners.
Financial Health
WeakWeak · -40% CAGR over 5y
Location
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Provides asset‑based lending and business finance, including invoice finance, asset finance, bridging loans, trade finance, and sector‑specific funding for construction and recruitment. Offers…
Serves business owners and finance introducers, especially SMEs needing working capital or asset-backed lending, with sector focus on construction firms, recruitment agencies, trading businesses and…
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Financial sub-scores
Computed from 5 filingsProvides cloud-based accounts payable automation software, including purchase order management, AI/OCR invoice processing, approval workflows, supplier payments, expense management and reporting,…
Serves finance and accounts payable teams in SMEs, charities, education providers, care and hospice organisations, town and parish councils, manufacturers, construction firms, asset managers, leisure…
Financial Health
HealthyHealthy · Hiring · 20% CAGR over 4y
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Provides wealth management and financial advisory services, including investment and pension planning, cashflow modelling and access to managed portfolios. Also develops and supplies software…
Serves both B2B and B2C financial services customers: financial advisers, adviser firms and third-party pension businesses, plus private clients, individuals and business owners seeking pensions,…
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How Bristol Fintech companies work and how to sell to them
What they do
Revenue is usually tied to recurring access, transaction volume or regulated-service usage rather than one-off software sales. Bristol fintech firms typically charge subscriptions for workflow software, per-transaction fees for payments and account-access products, licence fees for infrastructure, and implementation or support fees where the product touches a customer’s finance stack. Smaller engagements may begin as a narrow compliance, onboarding or reporting module; larger ones tend to sit closer to core operations where a merchant, lender or regulated provider needs integration, service levels and audit evidence. Gross margins depend on how much of the model is software licence, managed service, risk-bearing finance activity or pass-through payment cost.
Who they sell to
Typical buyers are UK merchants, lenders, financial institutions and regulated service providers, with budget held by finance, risk, product, operations or technology leaders. A CFO may care about reconciliation and unit economics; a CTO or VP Engineering about integrations, data flows and resilience; compliance and legal teams about FCA exposure, customer due diligence and contract terms. Most Bristol firms sell direct for operationally sensitive products, although partner referrals can matter where banks, accountants, consultants or platform operators influence selection. Sales cycles tend to lengthen when the tool affects customer money, credit decisions or regulated reporting, and shorter trials are more plausible for analytics, back-office workflow or developer-facing components.
What they buy
Spending inside Bristol fintech firms tends to follow the control points in their own products. Security testing, cloud infrastructure, identity and access management, audit logging, incident response, data tooling and observability are common requirements for firms selling into regulated buyers. Commercial teams often need CRM, revenue operations, billing, customer support and partner-management systems, while finance teams buy reconciliation, accounting, tax and forecasting support. Legal and compliance spend can be lumpy around FCA applications, customer contracts, data protection, outsourced-service reviews and digital-asset perimeter questions. Hiring needs usually sit around engineering, product, compliance operations, sales and customer success rather than large generalist headcount.
Why and how to sell to them
Commercial intent often appears when a fintech firm moves from prototype to regulated customer delivery, signs larger merchants or financial institutions, prepares an FCA application, adds a new payment or lending workflow, or faces more demanding due diligence from buyers. Outbound works better when it is tied to those triggers rather than generic technology improvement. Relevant angles include reducing manual compliance work, giving customers clearer audit evidence, speeding up onboarding, improving reconciliation accuracy, lowering integration burden, or helping senior teams monitor risk and revenue in one place. Case material should be framed around regulated-sector categories and measurable operating outcomes, not named logos or broad claims about modernisation.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
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