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Fintech Companies in Glasgow: 29 Active Firms (2026)
Fintech companies in Glasgow build digital payments, lending, wealth, compliance and data services for financial markets and regulated businesses.
Buying centres cluster around payments operations, credit and lending teams, compliance functions, account-information use cases and financial-market operations. The customer base is mixed: business-to-business financial-services buyers appear central, with some consumer-facing propositions and institutional workflows around the edge. Sales motions tend to be relationship-led, because buyers are often regulated, risk-sensitive and tied to existing finance or operations processes. Engagements usually look more like small to mid-market infrastructure or service contracts than low-touch app spend, with procurement shaped by permissions, auditability, security review and integration work.
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Glasgow has 29 active fintech companies, a compact local cohort rather than a broad metropolitan cluster. Reported headcount totals 429 people, which points to an employment footprint concentrated in established operating teams rather than a long tail of newly formed ventures. The commercial centre of gravity appears to sit with regulated infrastructure, payments-adjacent services, credit workflows and compliance tooling for financial-services buyers in and around the city. For researchers, the notable feature is not sheer volume, but the presence of a small set of operators with enough scale to show through in revenue and employment.
Fintech regulation in the UK follows activity rather than sector label. Payment-account operation, card payments, acquiring, money remittance, account-information services and payment-initiation services sit within the FCA perimeter under the Payment Services Regulations. Firms providing payment services as a regular UK business activity generally need FCA authorisation or registration as a payment institution or account-information service provider. E-money issuers need FCA authorisation or registration under the Electronic Money Regulations unless an exemption or existing FSMA permission applies. Cryptoasset activity is moving further into the FCA perimeter, so adjacent models are likely to face more formal authorisation tests.
New company formation appears muted, so Glasgow’s fintech pipeline looks less like a wave of experimental startups and more like a compact group of compliance-aware operators. The next phase tends to favour firms that can sell into regulated finance teams without adding integration risk or unclear permission boundaries. Scale-up scarcity may also keep the local market relationship-led, with consolidation or partnership routes more plausible than a broad intake of new entrants. Models closest to payments, account access and regulated data use are likely to feel the most direct pressure from FCA perimeter changes.
29
Active firms
2026
5
£5M+ firms
Turnover above £5M
1
Recent incorporations
Incorporated since 2022
Key facts
About 17% of the trading cohort reports turnover above £5M (5 of 29 firms) — the rest sits below that revenue band.
3% of the cohort was incorporated since 2022 (1 firms), so a sizeable share is in its first few filing cycles.
Payments activity can fall under the Payment Services Regulations 2017, with FCA routes including authorised payment institution, small payment institution and registered account information service provider status.
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.
HM Treasury said in April 2026 that over 3,000 fintech firms supported tens of thousands of skilled jobs and attracted over £2.6 billion in investment in 2025.
Innovate Finance reported that global fintech investment fell 20% in 2024, while the UK secured 12.7% of global share in H1 2024.
Top Glasgow fintech companies
API SOFTWARE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops financial control, regulatory reporting and data management software for financial services organisations. Also provides custom software development, business management systems, QA testing,…
Serves businesses seeking outsourced software expertise, including ecommerce, banking, finance and insurance, logistics and transportation, healthcare and media organisations.
Financial Health
StableStable · Hiring · 18% CAGR over 4y
Location
Encompass Corporation UK Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and provides a software-as-a-service platform for corporate digital identity and KYC/AML compliance. The platform automates client onboarding and due diligence by aggregating public data,…
Serves B2B financial institutions, including corporate and investment banks, commercial banks, challenger banks, correspondent banks, and managed service providers with KYC and AML compliance needs.
Financial Health
HealthyHealthy · 2% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides digital payment and banking infrastructure including e-banking and e‑wallet accounts, virtual corporate accounts, BIN sponsorship, and card issuing. Offers banking‑as‑a‑service enabling…
Serves B2B clients in financial services, especially fintechs, neobanks and electronic money institutions, plus businesses needing corporate e-accounts, e-wallets and payment infrastructure for their…
Financial Health
StableStable · Hiring · 32% CAGR over 4y
Location
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides short-term personal and cash loans to individuals, offering amounts from £100 to £2,000 with repayment over up to 15 months. Applications completed online with same-day funding and…
Serves individual consumers in Glasgow and Hamilton seeking small personal credit, particularly adults over 18 in part- or full-time employment for at least six months with wages paid into a bank…
Financial Health
StableStable · Hiring · 6% CAGR over 2y
Location
The Kidbrooke Group Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops financial planning and analytics software for financial institutions. Provides a platform with APIs for portfolio analysis, forecasting, risk modelling and client planning tools used in…
Serves B2B financial institutions, including life insurers, pension providers, banks, brokers, asset managers and wealth platforms, targeting business leaders and advisory teams building digital…
Financial Health
StableStable · Hiring · 19% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides payment processing services and payment technology for businesses, including card terminals, tap‑to‑pay and SMS payments, online checkout, and digital wallets. Offers fraud protection,…
Sells to UK businesses of varying sizes, including new and established stores, food and drink outlets, bars and venues, retailers, barbers, and mobile merchants needing in-store or on-the-go payments.
Financial Health
StrongStrong · Hiring · 24% CAGR over 4y
Location
Trajectory
5y · 2019–NowFinancial sub-scores
Computed from 5 filingsOperates an online platform for buying, selling and swapping cryptocurrencies using payment methods such as credit and debit cards. Provides crypto wallets, price tools, and fiat‑to‑crypto on‑ramp…
Serves retail cryptocurrency users worldwide, including beginners buying via cards, and B2B customers such as crypto platforms, corporates and institutions serving end users or business clients.
Financial Health
StrongStrong · Hiring · 138% CAGR over 5y
Location
GENIUS SOFTWARE SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops compliance-focused customer engagement and debt management software. Provides platforms for automated inbound and outbound customer communications, and tools to manage debt collection,…
Serves regulated businesses with customer contact, debt collection, recoveries and payment teams that need compliant inbound and outbound customer engagement platforms.
Financial Health
WeakWeak · -65% CAGR over 4y
Location
SALLYPORT COMMERCIAL FINANCE LTD
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides commercial finance to small and medium-sized businesses, specialising in invoice finance products including invoice factoring, invoice discounting and confidential invoice finance, enabling…
Serves UK SMEs and entrepreneurs seeking working-capital finance, especially businesses in transport, distribution, wholesale, recruitment, services, manufacturing, and oil and gas.
Financial Health
WeakWeak · Hiring · 66% CAGR over 1y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides payment processing technology and integrated point‑of‑sale solutions, including payment terminals, mobile and unattended devices, e‑commerce payment systems, and POS software for hospitality…
Serves B2B merchants, hospitality and restaurant operators, ISOs, ISVs, agents and payment facilitators seeking payment and POS solutions across Canada, the US and the UK.
Financial Health
StrongStrong · Growing · 4% CAGR over 2y
Location
BEAGLE FINANCE LIMITED
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsActs as a finance broker arranging secured homeowner loans and second‑charge mortgages. Helps borrowers, including those with poor credit, access lending products such as home improvement, equity…
Serves consumers who own residential or buy-to-let property, including homeowners with adverse credit, seeking secured finance for home improvements, debt consolidation, equity release or…
Financial Health
StableStable · -67% CAGR over 2y
Location
IPOS Systems Ltd
Trajectory
1y · 2025–NowDevelops and provides point‑of‑sale (POS) systems for restaurants and retail businesses, including iPad‑based POS software, payment processing, inventory and staff management, online ordering,…
Serves food-service and retail businesses, including full-service and quick-service restaurants, food trucks, coffee shops, bakeries, bars, supermarkets, clothing, jewellery, vape, CBD, liquor and…
Financial Health
Insufficient historyInsufficient history
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides electronic point-of-sale (EPOS) systems including POS terminals, self-service kiosks, card payment machines and software for sales, stock control, reporting and staff management, with…
Serves small businesses in hospitality, retail and repair sectors, including supermarkets, coffee shops, bakeries, pubs and bars, beauty salons, clothing and furniture stores, medical stores, vape…
Financial Health
StableStable · Hiring · 17% CAGR over 3y
Location
Worldwide Tradelink Ltd
Trajectory
5y · 2019–NowFinancial sub-scores
Computed from 5 filingsProvides online trading services through platforms such as MetaTrader and cTrader, enabling clients to trade financial instruments including forex, cryptocurrencies, indices, shares, commodities,…
Serves retail and experienced online traders seeking access to forex, crypto, CFDs, metals, indices, futures, energy and shares markets, with account options for standard, high-volume and cTrader…
Financial Health
StrongStrong · Growing, Hiring · 13% CAGR over 5y
Location
SOMERLED FINANCIAL CORPORATION LIMITED
Trajectory
3y · 2023–NowProvides motor finance brokerage and technology services for car dealerships. Connects dealers with a panel of lenders, offers quoting and approval systems, and supports financing for franchised,…
Targets franchised, independent and prestige motor dealerships needing finance partners for vehicle sales, and indirectly serves car buyers seeking finance options through those dealer channels.
Financial Health
Insufficient historyInsufficient history
Location
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides a credit management software platform that automates credit checks, debtor monitoring, payment reminders and overdue invoice collection. Sends email, SMS and letter notifications and…
Serves businesses that issue invoices, particularly finance and credit control teams using accounting platforms such as Xero, Sage, QuickBooks or FreeAgent.
Financial Health
WeakWeak · Hiring · 13% CAGR over 2y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsAuthorised electronic money institution that issues e‑money and supports digital payment services as part of the Nium payments platform, operating the Entropay brand following discontinuation of its…
Financial Health
WeakWeak · -6% CAGR over 2y
Location
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How Glasgow fintech companies work and how to sell to them
What they do
Revenue usually comes from licence, subscription, transaction and services income rather than a single pure software line. Glasgow fintech operators often sit inside the financial plumbing of payments, lending, account access, compliance or market operations, so pricing may combine platform fees, usage charges, implementation work and support retainers. Consumer-facing models can still depend on interchange, lending margin or partner distribution, but the commercial work is usually shaped by trust, permissions and reconciliation. Product teams need to keep audit trails, security controls and integrations close to the revenue model, because buyers are often paying for operational certainty as much as application functionality.
Who they sell to
Customers are typically financial-services organisations, institutional teams or regulated operating functions, with some models serving consumers through a direct or partner-led route. Decision-making often involves a mix of finance, compliance, technology, product and operations leaders, rather than a single budget holder. Contract values tend to sit above ordinary departmental software spend because implementation, risk review and ongoing support are part of the sale. Low-touch purchasing is less common; direct sales, warm referrals, procurement review and partner channels matter, especially where payment access, account information, regulated lending or operational resilience are involved. Sales cycles can run across several internal committees before legal approval.
What they buy
Most Glasgow fintech firms tend to spend on cloud infrastructure, security tooling, identity verification, fraud controls, data management, analytics, monitoring, billing and customer-support systems. Compliance spend is also persistent: legal advice, FCA application support, financial-crime controls, GDPR work, audit preparation and policy documentation all sit close to revenue risk. As teams mature, they may also buy recruitment support for engineering, product, compliance and customer operations roles, plus marketing services aimed at regulated financial-services buyers. Suppliers with integration, uptime, evidence capture and permission-aware workflow experience usually have a clearer route in than those selling generic productivity software.
Why and how to sell to them
Fintech buyers tend to evaluate suppliers when regulatory scope changes, a new financial-services customer asks for security evidence, manual compliance work starts to slow onboarding, or transaction volumes make existing operations harder to reconcile. Leadership change, new senior compliance hires, engineering recruitment and expansion into adjacent regulated activities can also signal intent. Outbound messages land better when they are tied to a specific operational constraint: shorter audit preparation, fewer manual checks, clearer permission mapping, better incident evidence or lower integration effort. Claims need to be specific and conservative, because these buyers are used to vendors overstating what can be automated safely.
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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