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Fintech Companies in Cardiff: 33 Active Firms (2026)
Fintech companies in Cardiff build financial software, payments, lending, compliance and data services for FCA-regulated UK markets.
Buying centres in the Cardiff cohort sit around finance operations, payments integration, lending administration, risk and compliance teams, rather than retail consumer acquisition alone. The typical buyer is a regulated financial-services firm, a software platform embedding payment or account-access functions, or a mid-market business with treasury and credit workflows to automate. Sales cycles tend to be evidence-led: security review, conduct-risk ownership, integration work and operating resilience matter before procurement signs off. Engagements are usually departmental or platform-level deployments, with implementation work shaped by whether the service touches client money, regulated lending, account data or payment initiation.
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Cardiff has 33 actively trading fintech firms in this list, a compact city cohort by UK standards but one with a clear B2B and regulated-services bias. Reported headcount totals 206 people, so the employment footprint is modest and concentrated in specialist product, engineering, compliance and commercial roles rather than mass operations. A small subset reports larger turnover, while newer incorporations keep the local pipeline replenished. The Cardiff and wider South Wales setting matters commercially: proximity to public-sector buyers, financial-services operations and university-linked technical hiring tends to favour specialist infrastructure and compliance tools over consumer brand-building.
UK obligations attach to the activity, not to the fintech label. Payment-account operation, card payments, acquiring, money remittance, account information and payment initiation fall within the FCA perimeter when offered as a regular UK business activity, with authorisation or registration routes depending on the model. E-money issuance sits under a separate FCA authorisation or registration regime unless an exemption or existing permission applies. Cardiff firms working in cryptoasset infrastructure face a moving perimeter: the FCA has said new regulated activities will bring in-scope cryptoasset business under its remit, so product design and compliance planning need to allow for authorisation rather than only anti-money-laundering registration.
Cardiff’s fintech outlook appears shaped less by consumer-app land grabs and more by regulated workflow depth. The cohort tends to suit buyers that need account access, payment execution, credit operations or compliance evidence embedded into existing systems. That favours patient sales motions and domain expertise, but it also limits the number of firms likely to scale through broad self-serve adoption. Consolidation may come from larger financial-technology and software groups looking for regulated capability, while local start-ups are likely to keep forming around narrow pain points where financial-services operations, data handling and conduct obligations overlap.
33
Active firms
2026
5
Over £5M turnover
Larger revenue filers
6
Recent incorporations
Incorporated since 2022
Key facts
About 15% of the trading cohort reports turnover above £5M (5 of 33 firms) — the rest sits below that revenue band.
18% of the cohort was incorporated since 2022 (6 firms), so a sizeable share is in its first few filing cycles.
Payment services fall under the Payment Services Regulations 2017, covering 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.
The FCA expects the new cryptoasset regime to come into force on 25 October 2027, after which in-scope cryptoasset businesses will need FCA authorisation to operate in the UK.
HM Treasury stated in April 2026 that over 3,000 fintech firms operate across the UK and attracted over £2.6 billion in investment last year.
Innovate Finance reported that the UK retained second place in global fintech investment rankings in 2024.
Top Cardiff Fintech companies
CREDIT CANARY LIMITED
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsProvides a credit decisioning platform for consumer lenders that integrates open banking, credit bureau and tax data to assess affordability, monitor borrower financial health, predict missed…
Sells to B2B financial services organisations, including banks, consumer credit lenders and credit unions managing borrower affordability, repayment risk and collections.
Financial Health
WeakWeak · Hiring · 88% CAGR over 3y
Location
SPECIALIST MORTGAGE GROUP LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsOperates a network of mortgage and loan brokerages providing specialist finance products including secured loans, bridging loans and commercial mortgages. Processes applications from financial…
Serves B2B professional financial intermediaries, including mortgage brokers and advisers, who submit secured loan, mortgage, bridging loan and commercial mortgage applications for their clients in…
Financial Health
StableStable · -68% CAGR over 4y
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsDevelops an online financial management platform for small businesses and sole traders that aggregates bank accounts, tracks transactions and cash flow, provides business and director credit reports…
Serves UK sole traders and small business owners, including directors concerned with credit and funding, plus financial institutions and lenders that support small business customers.
Financial Health
WeakWeak · Hiring · 200% CAGR over 1y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides international payment and foreign exchange services including overseas currency transfers, multi‑currency accounts, and mass payments. Also offers FX risk management tools and business…
Serves start-ups, scale-ups, small businesses, enterprises and charities/NGOs, plus individuals needing personal currency transfers. Business sectors include ecommerce, manufacturing, logistics,…
Financial Health
HealthyHealthy · -47% CAGR over 5y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides cloud-based issuer processing and payment processing technology via APIs, supporting prepaid and virtual card programmes, earned wage access platforms, funds disbursement, paycards, and…
Serves B2B payment innovators, fintechs, earned-wage-access providers, employers and partners running prepaid card, paycard, funds disbursement and employee financial wellness programs globally.
Financial Health
StrongStrong · Hiring · 26% CAGR over 4y
Location
VALIDPATH LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides a network and support services for independent financial advisers, including FCA compliance assistance, integrated technology platforms, business development support, investment and mortgage…
Serves independent financial advisers and IFA firm owners, including advisers starting a practice, switching from directly authorised or appointed representative models, changing networks, or…
Financial Health
HealthyHealthy · Hiring · 44% CAGR over 2y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides electronic money and payment services including multi‑currency personal and business accounts, dedicated IBANs, payment cards, currency exchange, and SEPA transfers. Also offers merchant…
Serves businesses, merchants, freelancers and personal banking customers, plus financial institutions and fintechs seeking BaaS, APIs, white-label cards and payment infrastructure.
Financial Health
StableStable
Location
Red Apple Finance Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides insurance premium finance services and software to insurance brokers, enabling customers to pay insurance premiums in instalments. Offers full premium funding and a technology platform that…
Serves insurance brokers and other corporate organisations in the insurance sector, rather than individual borrowers, with brokers acting as the main buyers and channel to their customers.
Financial Health
WeakWeak · -35% CAGR over 2y
Location
JARDINE NORTON AVIATION LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides debt funding for global trade, working with financial institutions, businesses and government bodies to finance supply chains. Focuses on trade finance opportunities where liquidity needs…
Serves financial institutions, businesses and government bodies involved in global trade and supply chains, particularly organisations with liquidity or trade-finance needs not met by traditional…
Financial Health
StableStable
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsDevelops financial technology software for trading, treasury, and risk management. Provides platforms for equities, fixed income, derivatives, foreign exchange, and commodities markets, alongside…
Serves B2B and public-sector customers including financial institutions, central banks, corporations, asset managers, commodity traders, treasury teams, CFO offices, risk officers, and…
Financial Health
StrongStrong · Growing · 0% CAGR over 3y
Location
SPECIALIST FINANCE CENTRE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as a specialist finance broker supporting mortgage advisers with complex lending cases. Arranges first and second charge mortgages, bridging finance, and other specialist property lending…
Sells to mortgage and finance brokers, including directly authorised and appointed representative advisers, helping them place clients with complex borrowing needs. Also serves individual borrowers…
Financial Health
StrongStrong · Growing, Hiring · 27% CAGR over 4y
Location
MARSTONE CONSULTANCY LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops digital investing and financial wellness platforms for financial institutions. Provides configurable wealth management tools, investment advice technology, and customer-facing applications…
Serves B2B financial institutions seeking digital investing and financial wellness offerings, including firms with advisors that want to support end customers and expand product propositions.
Financial Health
HealthyHealthy · 0% CAGR over 4y
Location
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsProvides white-label software platforms and digital structuring services for private markets and alternative investment firms, enabling management of investment products, investor onboarding,…
Serves B2B clients globally in private markets and alternative investments, including investment firms and financial institutions managing alternative investment products for advisors and investors.
Financial Health
DistressedDistressed · -33% CAGR over 3y
Location
The Bridging Group
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsProvides short‑term property bridging loans for residential, commercial and semi‑commercial real estate transactions. Finances purchases, refurbishments, development projects, auction purchases,…
Sells to property investors, developers, brokers and homebuyers seeking short-term bridging finance in England and Wales. Serves borrowers needing funding for residential, commercial and…
Financial Health
StableStable
Location
Bipsync Uk Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops research management software for investment teams. Platform captures and centralises research from emails, documents and data providers, organises and tags information, supports…
Sells to institutional investment teams, including asset managers, asset owners, investment consultants and advisors, hedge funds, endowments and foundations managing collaborative research and…
Financial Health
StrongStrong · Hiring · 29% CAGR over 2y
Location
Vantage Capital Markets
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides wholesale brokerage and trade execution services for institutional clients across global financial markets. Arranges and executes transactions in cash equities, equity derivatives, fixed…
Serves global institutional financial markets clients, including investment and commercial banks, asset managers, hedge funds, private equity funds, family offices and corporations.
Financial Health
StableStable
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides cryptocurrency market making services, supplying liquidity and automated trading across digital asset exchanges and blockchain networks. Uses proprietary algorithms, trading infrastructure…
Serves B2B customers in the Web3 ecosystem, including digital asset projects, token issuers, DeFi protocols and exchanges operating across centralized and decentralized crypto markets.
Financial Health
HealthyHealthy · Hiring · 37% CAGR over 4y
Location
GPS FINANCIAL LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsActs as a finance broker arranging property-related lending, including bridging loans, development finance, buy‑to‑let and commercial mortgages. Also sources asset and business finance such as…
Serves property investors, landlords, developers and homebuyers seeking specialist finance, including expats, foreign nationals and non-UK residents. Also sells to businesses needing commercial…
Financial Health
StrongStrong · 41% CAGR over 2y
Location
Raise Capital
Provides commercial finance brokerage, arranging property development loans, bridging finance, commercial mortgages, and business lending. Acts as intermediary between borrowers and banks or…
Serves HNW and UHNW individuals, property developers and corporates seeking £1m+ UK commercial, property or business finance, including international non-residents borrowing in the UK.
Financial Health
Insufficient historyInsufficient history
Location
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides payment processing technology for businesses, including card machines for in‑person transactions, online and remote payment tools, QR code and payment link solutions, and integrations with…
Serves UK businesses with 1–69 locations and enterprise operators, especially hospitality venues, quick- and full-service restaurants, dental practices, visitor attractions and personal services…
Financial Health
StrongStrong · Growing, Hiring · 9% CAGR over 2y
Location
PINK PIG LOANS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsActs as a credit broker arranging secured lending products through a network of lenders. Sources second and first charge mortgages, bridging loans, buy‑to‑let mortgages, commercial mortgages and…
Serves mortgage brokers, mortgage networks and other financial intermediaries whose clients require specialist secured lending, including residential, buy-to-let, bridging, commercial and development…
Financial Health
StrongStrong · Growing, Hiring · 7% CAGR over 4y
Location
MacManus Asset Finance Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as a finance broker arranging funding for SMEs, including asset finance for equipment and vehicles, business loans, invoice finance, VAT loans, and tax funding. Connects businesses with lenders…
Serves UK SMEs and business owners seeking finance for equipment, vehicles, working capital, invoices, and tax obligations, including companies investing in machinery or managing cash flow.
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
CASH MANAGEMENT SOLUTIONS LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides lockbox payment processing and remittance services for banks and businesses. Offers hosted and installed systems, SaaS software, online bill payment, and tools for capturing payment data,…
Serves banks, financial institutions, third-party payment service providers and businesses with accounts receivable, lockbox and online bill payment requirements.
Financial Health
StableStable
Location
SATELLITE FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsArranges business finance products including asset finance, equipment leasing, hire purchase, vehicle finance, commercial loans, invoice finance and commercial mortgages, helping companies access…
Serves businesses seeking finance, including SMEs needing assets, vehicles, cashflow support, commercial property funding, tax/VAT funding, and sector-specific professional loans; also addresses…
Financial Health
StableStable · -69% CAGR over 4y
Location
Fresh Thinking IT Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑ to medium‑term secured business loans, typically between £200,000 and £2,000,000, with terms of 1–24 months. Assesses and approves lending in‑house and works with businesses requiring…
Serves SMEs and business owners needing short- to medium-term secured funding, including firms whose opportunities or circumstances do not fit standard lending criteria, typically seeking £200k-£2m.
Financial Health
StrongStrong · Hiring · 19% CAGR over 4y
Location
Signature Property Finance
Provides short‑term property finance for residential investment projects, including bridging loans, refurbishment loans, development finance and revolving credit facilities to support property…
Serves UK brokers and property borrowers, including residential property investors, landlords, developers, trades professionals and portfolio builders seeking short-term funding for purchases,…
Location
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How Cardiff Fintech companies work and how to sell to them
What they do
Cardiff fintech firms usually earn revenue from a mix of recurring platform fees, transaction charges, implementation work and regulated support services. Payment and account-access providers tend to price by usage, while lending, treasury and compliance tools more often use annual subscriptions with onboarding fees and support tiers. The product is normally software plus integration: APIs, dashboards, risk engines, workflow tools and reporting layers that sit inside a bank, finance team or software platform. Smaller engagements may begin as a paid pilot or integration sprint, but production use usually depends on security review, operational ownership and evidence that the service can handle regulated money, credit or account information without creating avoidable conduct risk.
Who they sell to
Customers are usually regulated financial-services firms, embedded-finance platforms, lenders, payment intermediaries, accounting-led finance teams and mid-market businesses with treasury or credit operations to manage. Buying committees tend to include a commercial sponsor, a CTO or engineering lead, a compliance owner, finance leadership and procurement where the buyer is larger. Contract size is typically tied to operational risk rather than headcount alone: a narrow reporting tool may be bought by one department, while a payment or lending workflow can become a platform procurement. Sales cycles often run through direct sales, partner introductions and formal review, with RFP-style processes more common where client money, customer data or outsourced operations are involved.
What they buy
Most Cardiff fintech firms tend to spend on infrastructure and controls before broad front-office expansion. Useful categories include cloud hosting, API management, data warehousing, monitoring, identity and access management, security testing, incident response, compliance workflow, audit evidence, customer support tooling, CRM, billing and revenue operations. Specialist services can also fit: FCA authorisation support, legal review, financial modelling, accounting, tax, recruitment for engineering and compliance roles, and content or demand generation aimed at regulated buyers. Teams selling into this segment usually need to show how their offer fits procurement, risk ownership and implementation capacity, rather than relying on generic productivity claims.
Why and how to sell to them
Fintech buyers tend to evaluate vendors when regulation, integration load or customer growth exposes a gap in their operating model. Useful triggers include a new regulated activity, a payment or lending product moving from pilot to production, a senior finance or compliance hire, a funding event, a security review, or a larger customer asking for audit evidence and service-level commitments. Outbound works better when it is specific about the workflow being improved: faster onboarding, cleaner reconciliation, lower manual review, clearer incident reporting, more reliable integration testing or simpler evidence packs for regulated customers. Claims need proof, because these buyers are paid to distrust vague assurances.
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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