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Fintech Companies in Liverpool: 30 Active Firms (2026)
Fintech companies in Liverpool build financial software and regulated payment, lending and data services for businesses and consumers.
Buying centres tend to sit with finance, risk, operations and product teams rather than a single technology budget. Liverpool fintech firms in this segment are typically selling payment enablement, lending workflow, compliance tooling, onboarding, financial data access or business-finance infrastructure to UK SMEs, consumers, financial institutions and other regulated intermediaries. Engagements are usually narrower than enterprise banking programmes: recurring software subscriptions, transaction-fee arrangements and implementation work around onboarding, reconciliation or credit workflows. The buyer is often trying to reduce manual finance work, add a digital financial service to an existing customer journey, or meet FCA-relevant requirements without building the whole stack internally.
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Liverpool has 30 actively trading fintech companies in this cohort, which makes it a compact city-region market rather than a broad national platform. The reported employment footprint is 520 people, pointing to operating businesses with sales, engineering, compliance and customer-support capacity rather than shell entities. The commercial centre of gravity appears to be compact and mid-sized firms, with only a small group already operating at higher revenue levels. For researchers, that makes Liverpool more useful as a place to track specialist payments, lending and finance-workflow suppliers than as a proxy for the UK fintech market as a whole.
Obligations are activity-based, so the relevant permission depends on what the firm actually does. Payment-account operation, card payments, acquiring, money remittance, account information and payment initiation can fall under the Payment Services Regulations, with regular UK payment-service activity generally requiring FCA authorisation or registration. E-money issuance sits under the Electronic Money Regulations unless an exemption applies or the firm is already permitted under FSMA. Cryptoasset activity is moving further into the FCA perimeter, which matters for fintech firms treating crypto services as an adjacent revenue line rather than their main proposition.
New formation appears limited, while the headcount base suggests a cluster with operating teams rather than only newly incorporated ventures. Future development is likely to depend on whether specialist suppliers can win distribution through banks, lenders, accountancy channels and sector-specific software providers. Higher-turnover firms remain scarce, so the market may produce more niche infrastructure and compliance-led providers than broad consumer finance brands. Regulatory scrutiny also tends to favour firms with clearer permissions, repeatable onboarding controls and enough internal compliance capacity to satisfy institutional buyers.
30
Active firms
2026
2
Above £5M
turnover threshold
1
Since 2022
new incorporations
Key facts
About 6% of the trading cohort reports turnover above £5M (2 of 30 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.
Payment services offered as a regular UK business activity generally require FCA registration or authorisation as an authorised payment institution, small payment institution or registered account information service provider.
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 under the new UK regime.
HM Treasury put the UK fintech market at over 3,000 firms in April 2026, after the sector attracted over £2.6 billion in investment in 2025.
Top Liverpool Fintech companies
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides multi-currency payment accounts with dedicated IBANs and an online banking platform. Enables businesses and individuals to send, receive and manage international payments and currency…
Serves large multinationals, international online businesses, high-net-worth corporations and private individuals managing cross-border client, supplier and portfolio payments in multiple currencies.
Financial Health
StableStable
Location
Bibby Foreign Exchange Limited
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsProvides foreign exchange and international payment services for businesses, enabling overseas transactions and currency transfers. Part of a financial services group offering invoice finance and…
Serves SMEs and mid-market businesses across the UK, Europe and Asia, including builders’ merchants, manufacturers, construction firms, retailers, welfare hire companies, and firms trading…
Financial Health
StrongStrong · Profitable · -13% CAGR over 1y
Location
SPS SPORTSOFT LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides B2B technology services for the iGaming and fintech sectors, including software procurement, product development, platform integrations, payments infrastructure, data aggregation and…
Serves B2B customers in regulated iGaming and fintech markets, including sportsbook, casino, payments and digital wallet operators needing enterprise technology and compliance support.
Financial Health
HealthyHealthy · -90% CAGR over 2y
Location
Bibby Financial Services
Provides invoice finance and working capital funding to businesses by advancing cash against unpaid invoices. Also offers asset finance for equipment purchases, foreign exchange services for…
Serves B2B customers across 300 industries, including construction, manufacturing, building materials, retail and hire businesses, primarily firms needing working capital or growth funding in the UK,…
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides digital ordering, payment and marketing software for hospitality venues. Platform supports table ordering, bill payment, pickup and delivery, loyalty programmes, and customer data analytics…
Sells to B2B hospitality operators, including restaurants, cafés, hotels and venue groups, that want customer engagement, ordering, payment, loyalty and marketing systems across the UK, Australia,…
Financial Health
WeakWeak · Hiring · 14% CAGR over 4y
Location
Velocity Bridging Limited
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides short‑term property finance including bridging loans and auction finance for property purchases and investments. Lends to investors and businesses needing rapid funding for acquisitions,…
Serves property investors, auction property buyers, landlords and businesses needing short-term property finance across England, Scotland and Wales, including both individual and commercial borrowers.
Financial Health
StrongStrong
Location
SG&F Finance Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term consumer loans, offering small cash loans with online application. Funds are delivered to borrowers’ homes or transferred to bank accounts, with fixed‑term weekly repayments that…
Serves individual consumers in Liverpool and across Merseyside seeking small short-term cash or doorstep loans, including new borrowers and existing customers.
Financial Health
HealthyHealthy · Hiring · 6% CAGR over 4y
Location
Stellar Trading Limited
Trajectory
2y · 2019–NowFinancial sub-scores
Computed from 2 filingsProvides trading software platforms for professional traders in futures, options and equities, including front‑end trading terminals, order and risk management systems, algorithmic trading tools,…
Serves professional futures, options and equities traders, including proprietary trading firms, algorithmic traders, market makers and businesses needing low-latency exchange access.
Financial Health
StrongStrong
Location
Bibby Financial Services
Provides business finance services including invoice finance, asset finance and foreign exchange. Funds equipment, vehicles and marine vessels, releases working capital tied up in invoices, and…
Serves B2B customers across 300 industries in the UK, Europe and Asia, including construction, manufacturing, retail, building materials, welfare hire and marine businesses seeking cashflow or asset…
Location
Bibby Financial Services (UK) Limited
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsProvides business finance services including invoice finance, asset finance, foreign exchange, and bad debt protection. Enables companies to release cash tied up in invoices, fund equipment…
Serves SMEs and mid-market businesses needing working capital across 300 industries, including manufacturing, construction, retail, building materials, welfare hire, marine and firms trading…
Financial Health
DistressedDistressed · -23% CAGR over 1y
Location
Bibby Financial Services
Provides business finance services including invoice finance, asset finance, foreign exchange, and bad debt protection. Advances cash against outstanding invoices and finances equipment or assets to…
Serves UK and international businesses needing working-capital funding, across sectors including construction, manufacturing, retail, building materials, welfare hire, marine and firms using…
Location
Bibby Financial Services
Provides business finance including invoice financing, asset finance and foreign exchange services. Advances funds against invoices, finances equipment purchases, and offers bad debt protection and…
Sells to businesses needing working capital, asset finance and related funding, including SMEs and growth-stage firms across sectors such as building materials, manufacturing, retail, construction,…
Location
Intellica Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides data management, analytics and consultancy services for pension schemes, including data audits, migration, cleansing and resolution, calculation specification, scheme data preparation, and…
Serves B2B pension sector clients, including pension scheme trustees, sponsoring employers, administrators and pensions service providers responsible for occupational scheme data, analytics,…
Financial Health
StrongStrong · Growing, Hiring · 75% CAGR over 4y
Location
PROFESSIONAL OFFICE LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides a SaaS platform for digital identity verification and compliance checks, including KYC and KYB screening, sanctions and PEP monitoring, adverse media checks, company data lookup, DBS checks,…
Serves enterprises, SMEs and sole traders in regulated and non-regulated sectors, especially organisations with AML, sanctions screening, KYB/KYC, DBS or safeguarding obligations across multiple…
Financial Health
StrongStrong · Growing, Hiring · 6% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops cloud-based accounting and bookkeeping software for small businesses and freelancers. Platform provides tools for invoicing, bank feeds, receipt capture, expense tracking, financial…
Serves UK small businesses and sole traders, including freelancers, charities, landlords, Amazon sellers, farms, photographers, fitness trainers, travel agencies and landscapers, plus accountants and…
Financial Health
StrongStrong · Hiring · 25% CAGR over 5y
Location
PATIENT PLAN DIRECT LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides administration and support for practice‑branded dental payment plans for dental practices and groups. Services include plan setup, patient payment collection, online plan management, and…
Serves UK dental practices and dental groups, including NHS practices moving to private dentistry, practices switching plan providers, and new or squat practices launching patient plans.
Financial Health
StrongStrong · Growing, Hiring · 36% CAGR over 4y
Location
The Money Carer Foundation
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides corporate appointeeship and deputyship services for vulnerable adults, managing welfare benefits, bill payments and personal spending. Offers money management services, prepaid debit cards…
Serves vulnerable adults, including older people and people with learning difficulties, addictions or mental health challenges, alongside local authorities, care providers, law firms and family…
Financial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
MY SECURED LOAN
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsOperates an online broker service comparing secured loan products from multiple mortgage and finance lenders, enabling borrowers to request quotes, submit applications, and obtain agreements in…
Serves individual borrowers and property investors seeking secured loans or mortgage finance, including homeowners with adverse credit, mortgage arrears or CCJs, and those funding chain breaks,…
Financial Health
HealthyHealthy · -89% CAGR over 2y
Location
Bright Car Finance Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as a credit broker for vehicle finance, introducing customers to a panel of lenders and their loan products. Provides an online platform and broker service for dealers and introducers to submit…
Targets motor finance brokers, car dealers and other introducers, alongside consumer car buyers applying for vehicle finance through its broker service.
Financial Health
StrongStrong · Hiring · 11% CAGR over 4y
Location
Granite Finance
Provides insurance premium finance, enabling customers to pay motor and home insurance premiums through instalment plans. Manages finance agreements, direct debit payments, and customer account…
Serves consumers needing finance to pay motor and home insurance premiums, including policyholders managing direct debit payments and finance agreements.
Location
FIRST CLASS FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short-term consumer cash loans of £100–£500. Customers apply online and repay through fixed weekly instalments collected by personal finance representatives via a home collection service.…
Sells to consumers seeking small-sum personal cash loans, particularly new and existing borrowers wanting home-collected weekly repayments. Serves individuals in Merseyside, Cheshire and Greater…
Financial Health
StrongStrong · Hiring · 7% CAGR over 4y
Location
GLENSIDE LEASING AND ASSET FINANCE (HOLDINGS) LIMITED
Trajectory
5y · 2021–NowProvides car finance and hire purchase loans for vehicle purchases, specialising in lending to customers with poor or adverse credit histories. Offers online applications, loan approval, and payment…
Serves UK consumers seeking car or van finance, particularly individuals with poor or bad credit histories who want hire purchase funding through reputable UK dealerships.
Financial Health
Insufficient historyInsufficient history
Location
Femalefriendlyfinance Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as a credit broker arranging car finance for individuals. Compares finance options from lenders based on applicants’ affordability and credit profile, and assists customers in sourcing vehicles…
Serves UK consumers seeking car finance, including applicants with good or poor credit, CCJs, arrears, benefits income, self-employment, young or provisional licences, taxi drivers, and customers who…
Financial Health
StrongStrong · Hiring · 6% CAGR over 4y
Location
Hope Capital Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term property bridging loans for residential, semi‑commercial, and commercial projects, supporting property purchases, refinancing, capital raising, and conversions, with lending…
Serves property investors, developers and business borrowers across England, Wales and Scotland, typically via finance brokers, needing short-term funding for residential, semi-commercial and…
Financial Health
HealthyHealthy · Hiring · 15% CAGR over 4y
Location
VERUS COST FUNDING LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term funding to claimant law firms, advancing finance against settled personal injury, clinical negligence, or industrial disease case files. Also advises on alternative financing and…
Serves B2B legal practices, especially claimant personal injury firms, including clinical negligence and industrial disease specialists, seeking short- or longer-term finance backed by settled case…
Financial Health
HealthyHealthy
Location
VARIETY CHRISTMAS SAVINGS CLUB LIMITED
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsOperates a Christmas savings club that allows members to save regularly and receive retail gift cards before the holiday season. Provides a range of branded gift cards and a commission-based agent…
Serves UK consumers and families budgeting for Christmas, plus community-based agents who help friends, family and local networks save and earn commission.
Financial Health
WeakWeak · -5% CAGR over 4y
Location
Corporate and Medical Asset Finance Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsArranges business finance through a panel of UK lenders, including asset finance, leasing, hire purchase and unsecured loans. Provides VAT and tax funding, startup finance, and specialist lending for…
Serves businesses and business owners, including startups, professional practices such as accountants, dentists, doctors, opticians, vets and legal firms, plus beauty/aesthetics businesses, vendors…
Financial Health
HealthyHealthy
Location
Provides telematics-based car insurance policies aimed at young and learner drivers. Policies use a black box device or smartphone app to monitor driving behaviour and adjust rewards or pricing, and…
Sells to individual motorists, primarily young and learner drivers seeking car insurance, including customers willing to use telematics black box or smartphone app monitoring.
Location
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How Liverpool Fintech companies work and how to sell to them
What they do
Revenue usually comes from a mix of subscription software, transaction-linked fees and implementation services, with the balance depending on whether the firm sits closer to payments infrastructure, lending operations or compliance workflow. Products are normally cloud applications and API-connected services rather than standalone advisory work, although onboarding, integration and regulatory mapping often carry a services component. Pricing tends to follow usage, account volume, user seats or monthly platform access, so commercial teams care about customer activation as much as contract signature. The offer is often narrow: solve reconciliation, credit decisioning, identity checks or data access well enough to become part of a buyer’s operating process.
Who they sell to
Customers are usually UK SMEs, lenders, accountancy channels, financial advisers, consumer-facing financial services firms or larger regulated intermediaries that want a specialist workflow rather than a full banking programme. Buyers tend to include CFOs, heads of finance, risk and compliance leads, product owners and CTOs, with procurement becoming more formal where client money, payment flows or regulated status are involved. Smaller deals may start with a pilot or departmental subscription; larger engagements usually need security review, legal input and proof that onboarding controls will satisfy internal risk teams. Direct sales dominates, but partner-led distribution matters where fintech tools are embedded in another route to market.
What they buy
Most Liverpool fintech firms tend to spend on cloud hosting, API management, security monitoring, data storage, analytics and integration tooling because their services depend on uptime, traceability and controlled access to financial information. Compliance and risk budgets can cover legal advice, FCA application support, policy drafting, financial crime controls, audit preparation and staff training. Commercial teams may buy CRM, customer success tooling, billing, revenue operations support, performance marketing and partnership management. Recruitment demand is often concentrated around engineering, product, compliance, finance operations and customer support, especially when a firm moves from project-led delivery to repeatable onboarding.
Why and how to sell to them
Common friction points are slow onboarding, manual reconciliation, partner due diligence, transaction monitoring, audit evidence and the need to translate regulatory obligations into product design. Buying intent tends to appear when a firm adds a new regulated activity, prepares for an FCA interaction, launches with a bank or software partner, changes senior finance or risk leadership, or sees volumes stretch existing operations. Outbound messages work better when they show familiarity with regulated sales cycles and implementation risk, not only generic cost saving. Useful angles include reducing failed onboarding, shortening evidence gathering, improving hand-offs between product and compliance, or making customer support easier to evidence.
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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