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Fintech Companies in London: 900+ Active Firms (2026)
Fintech companies in London build financial software, payment infrastructure and regulated digital-money services for consumers and businesses.
Buying centres in London skew towards payments and e-money operations, compliance and financial-crime teams, lending and treasury desks, wealth platforms, and digital-asset functions where permitted. Customer mix runs from SMEs buying account, payment and reconciliation tooling through to banks, marketplaces and other institutions embedding financial services into existing products. Engagements tend to sit between departmental deployments and institution-level regulated service relationships: shorter sales cycles for API-led tools, longer ones where safeguarding, credit risk, operational resilience or customer-money controls are in scope. Consumer-facing propositions still matter, but much of the commercial weight sits in B2B distribution and infrastructure.
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London has 967 actively trading fintech companies in this cohort, making it a dense city-level market rather than a broad national sample. Reported employment totals 1,954 people across 118 firms, with 100% of those firms reporting some headcount. Scale is uneven: 131 companies report turnover above £5M, while 140 were incorporated since 2022. That mix points to a market with established revenue generators, but also a sizeable intake of newer businesses still testing product, permissions and distribution.
Regulation is activity-led rather than sector-wide. The FCA perimeter is most relevant where a firm operates payment accounts, handles card payments or acquiring, provides money remittance, or offers account-information and payment-initiation services. Regular UK payment-services activity normally requires an authorised payment institution, small payment institution or registered account-information status. E-money issuance brings separate FCA authorisation or registration under the Electronic Money Regulations unless an exemption applies or the firm is already permitted under FSMA. Cryptoasset activity is also moving further inside the FCA perimeter, so compliance design is part of market structure rather than a late-stage legal exercise.
London’s fintech base appears to be moving towards a split between permissions-heavy operators and lighter software suppliers that sell into finance teams, marketplaces and regulated institutions. Scale-up scarcity is likely to keep partnerships, licensing and acquisition routes important, especially for firms with narrow distribution or expensive compliance overheads. Newer entrants tend to face longer evidence-building cycles around safeguarding, operational resilience, financial crime and customer outcomes. The better-positioned categories are likely to be those where regulation creates repeat buying needs, rather than those relying on consumer switching alone.
967
Active firms
2026
131
Above £5M
Turnover threshold
140
Since 2022
New incorporations
Key facts
About 13% of the trading cohort reports turnover above £5M (131 of 967 firms) — the rest sits below that revenue band.
14% of the cohort was incorporated since 2022 (140 firms), so a sizeable share is in its first few filing cycles.
Payment and e-money providers may need FCA authorisation or registration under the Payment Services Regulations 2017 and Electronic Money Regulations 2011 unless exempt.
Account information services and payment initiation services sit inside the FCA payment-services perimeter, alongside card payments, acquiring and money remittance.
In-scope cryptoasset businesses are expected to need FCA authorisation from 25 October 2027, when the new UK regime comes into force.
HM Treasury stated in April 2026 that UK fintech firms attracted over £2.6 billion in investment in 2025.
Innovate Finance reported global fintech investment fell 20% in 2024, while the UK retained second place in global fintech investment rankings.
Top London fintech companies
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides digital payment services including multi-currency accounts, international money transfers, and debit cards for personal and business users. Platform enables holding balances in multiple…
Serves UK-based consumers and businesses needing personal or business payment accounts, debit cards and international money transfers, including users sending money to 180+ countries and managing…
Financial Health
WeakWeak · -14% CAGR over 4y
Location
Trajectory
2y · 2019–NowFinancial sub-scores
Computed from 2 filingsProvides payment infrastructure and e‑money services for financial institutions, payment service providers and digital asset businesses, including correspondent accounts, virtual IBANs,…
Serves regulated financial institutions and fintech businesses, including banks, EMIs, payment service providers, remittance firms, marketplaces and digital asset providers needing access to GBP/EUR…
Financial Health
StrongStrong · Hiring · 299% CAGR over 1y
Location
INTERPOLITAN MONEY PLC
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides FCA‑regulated electronic money and payment services, including multi‑currency current accounts, cross‑border payments and collections, foreign exchange services, escrow, and third‑party…
Serves international businesses from start-ups to listed corporates, funds and institutions, private clients, non-residents, property SPVs, family offices, trusts, law firms, accountants and other…
Financial Health
StrongStrong · Growing, Hiring · 19% CAGR over 4y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides digital asset infrastructure for banks, fintechs and trading platforms. Offers APIs and modules for cryptocurrency custody, trading, fiat on/off‑ramps, customer onboarding (KYC/KYB), AML…
Serves B2B financial services and crypto firms, including investment platforms, neobanks, retail banks, consumer finance apps, exchanges and VASPs seeking UK crypto market access.
Financial Health
StrongStrong
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides payment processing and merchant acquiring services for e‑commerce businesses. Offers multi‑currency payment methods, business accounts, card issuing and payout services through an electronic…
Serves B2B merchants and digital brands in eCommerce, travel and hospitality, gaming, subscription services, transportation and entertainment, especially businesses needing multi-currency payments…
Financial Health
StableStable · Hiring · 142% CAGR over 1y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides international payments and foreign exchange services, prepaid and business payment cards, and e‑money accounts for consumers and businesses through brands and platforms including FairFX and…
Serves businesses and individual consumers through Equals Money, FairFX and Card One Money, with investor-relations content for shareholders, investors and market participants.
Financial Health
StableStable · -53% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides an online financial platform for businesses to manage international payments, foreign exchange and multi‑currency accounts. Offers corporate cards, expense and spend management, accounts…
Serves SMEs, accountants and their business clients with cross-border financial operations needs, plus individuals making personal international money transfers. Targets organisations paying…
Financial Health
WeakWeak · Hiring · 4% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides a fintech platform for businesses and financial institutions to make cross-border payments. Offers multi-currency accounts, global payouts, foreign exchange services, and physical and…
Serves B2B customers including banks, money transfer operators, global enterprises, payroll providers, marketplaces, spend management platforms, creator platforms, online travel agencies, airlines…
Financial Health
StrongStrong · Growing, Hiring · 64% CAGR over 4y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides business-to-business payment services including electronic money accounts, payment processing and card issuing programmes. Operates as an authorised electronic money institution and…
Sells to businesses needing payment, card issuing and electronic money solutions, including firms serving their own end customers. Targets B2B clients seeking an FCA-regulated financial institution…
Financial Health
StrongStrong · 0% CAGR over 1y
Location
Trajectory
3y · 2021–NowFinancial sub-scores
Computed from 3 filingsProvides an open banking platform and APIs that connect businesses to European banks, enabling access to financial account data, payment initiation, and data enrichment. Supports account‑to‑account…
Sells B2B to banks, lenders, payment providers, fintechs and enterprise merchants across Europe, including product, payments and developer teams using open-banking infrastructure.
Financial Health
StrongStrong
Location
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsProvides online payment and financial services for businesses, freelancers, and marketplaces, including cross-border payment processing, multi‑currency accounts, mass payouts, invoicing, and tools to…
Serves freelancers, eCommerce sellers, digital marketplaces, agencies, startups, exporters and global businesses that need to pay or get paid across borders, including platforms managing mass payouts…
Financial Health
StrongStrong · Growing, Hiring · 37% CAGR over 3y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides electronic payment processing and cross‑border transaction services, including ATM and POS network management, prepaid and branded payment solutions, and money transfer services. Also…
Serves financial institutions, fintechs, retailers, governments and other businesses, plus banked and underbanked consumers using money transfer, ATM, prepaid and currency services globally.
Financial Health
DistressedDistressed · -92% CAGR over 2y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides payment processing and acquiring services, e‑wallet accounts for businesses, merchants and institutions, and card issuing programmes including virtual and physical payment cards. Supports…
Serves B2B customers including financial institutions, payment facilitators, online merchants, and low- to medium-risk businesses seeking merchant accounts, acquiring relationships, or branded…
Financial Health
StrongStrong · Growing, Hiring · 63% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides payment processing and payment gateway solutions for businesses, enabling online, in‑app and in‑store card and alternative payments. Offers POS terminals, multi‑currency processing, fraud…
Serves B2B merchants needing online, in-store or omnichannel payment capabilities, including ecommerce businesses, retailers, subscription businesses and companies expanding into international…
Financial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops a cloud‑native SaaS digital banking platform for fintech companies, payment institutions and e‑money providers. Provides modular APIs for digital wallets, cross‑border payments, KYC/KYB, AML…
Sells B2B to fintechs, payment service providers, e-money institutions, digital wallet providers, crypto fintech firms and digital banks, with site sections for the UK, Europe and UAE.
Financial Health
StrongStrong · Growing, Hiring · 19% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides e‑money issuing and payment services including BIN sponsorship, card issuing support, and digital banking infrastructure. Enables businesses and fintechs to offer card programmes and make…
Serves fintechs and businesses launching payment, card issuing or digital banking programmes, including clients needing BIN sponsorship, UK Faster Payments/SEPA access and payments compliance support.
Financial Health
StableStable · -2% CAGR over 4y
Location
TRADEBRIDGE FINANCIAL TECHNOLOGIES LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides working capital financing and revolving credit facilities to small and medium-sized businesses, particularly in sectors such as healthcare, eCommerce marketplaces, childcare and energy…
Sells to established SMEs seeking working capital, particularly in healthcare, childcare, eCommerce, marketplaces and energy efficiency. Serves business owners and operators in the UK, Australia and…
Financial Health
StableStable · -90% CAGR over 2y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides international payment services including cross-border money transfers between the UK and Europe, business payment accounts, mass payout processing, API-based payment automation, and client…
Serves businesses moving money between the UK and Europe, including firms with global employees, high volumes of client or supplier payments, online stores, and companies needing payment accounts;…
Financial Health
StrongStrong · Profitable, Growing, Hiring · 61% CAGR over 2y
Location
Emerald Financial Group (UK) Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides digital financial services for businesses, including multi‑currency accounts with UK sort codes and IBANs, domestic and international payments, foreign exchange, corporate Mastercard cards,…
Sells to businesses needing business accounts, payments, FX, cards and acquiring, especially firms with cross-border or multi-currency needs, including e-commerce merchants and companies operating in…
Financial Health
HealthyHealthy · Profitable, Hiring · 22% CAGR over 2y
Location
LONDON FINANCE HOUSE (UK) LIMITED
Trajectory
4y · 2019–NowFinancial sub-scores
Computed from 4 filingsProvides financial technology services including merchant acquiring for online payments, card issuing for prepaid and debit cards, and virtual IBAN accounts. Offers APIs for payment integration,…
Serves B2B customers including online merchants, fintechs and platforms that need global payment acceptance, branded card programmes, virtual IBAN accounts, and UK compliance support.
Financial Health
HealthyHealthy · 0% CAGR over 5y
Location
PAYMENTWISE MERCHANT SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides merchant payment processing services, including card terminals for in‑person transactions, virtual terminals for telephone payments, and online payment integration. Also offers payment…
Serves UK SMEs and small business owners in retail, hospitality and service sectors, including merchants taking payments face to face, online or by phone.
Financial Health
StrongStrong · Growing, Hiring · 16% CAGR over 4y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsOperates an online platform for buying, selling and trading cryptocurrencies and other digital assets. Provides crypto custody, staking and payment services, and enables clients to deposit and…
Serves retail crypto investors and active traders, plus institutional clients such as asset managers, corporations, ETP issuers, governments, hedge funds, market makers, protocols, VC firms and…
Financial Health
WeakWeak · 0% CAGR over 3y
Location
GLOBAL CURRENCY EXCHANGE NETWORK LIMITED
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides international payment processing and foreign exchange services for individuals and businesses. Facilitates cross‑border transfers, mass payment distribution and currency hedging, acting as…
Serves individuals with overseas money needs, businesses of any sector or size requiring cross-border currency/payment support, and financial or commercial partners seeking white-label or referral…
Financial Health
HealthyHealthy · -82% CAGR over 3y
Location
SWALLOW TECHNOLOGY LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and provides software for financial institutions covering cash and liquidity management, cash reconciliation, treasury confirmations matching, securities reconciliation, anti‑money…
Sells to businesses in the financial services industry, including banks, treasury and securities operations, and compliance teams needing cash management, reconciliation, investigations and…
Financial Health
HealthyHealthy · Hiring · 12% CAGR over 4y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides multi‑currency payment accounts and wallets for businesses and individuals, including GBP accounts with EUR and USD balances. Enables domestic and international transfers via Faster…
Serves individuals and HNWIs, startups, freelancers, SMEs, large enterprises, professional service firms, EMIs/EMDs, introducers, consultants, technology integrators and government clients,…
Financial Health
StrongStrong · Growing, Hiring · 89% CAGR over 3y
Location
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsDevelops enterprise fintech platforms that combine loyalty programmes with payment services. Provides white‑label systems for rewards points, gamification, payment processing, bill payments,…
Serves large enterprises, financial institutions, suppliers and wholesalers that engage consumers, business customers, merchants, SMBs and other stakeholders.
Financial Health
StrongStrong
Location
Encompass Corporation Group Holdings Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and provides a software-as-a-service platform that automates know-your-customer (KYC) and anti‑money laundering compliance processes for financial institutions, including corporate client…
Serves corporate and investment banks, commercial and challenger banks, correspondent banking teams and managed service providers with KYC and AML compliance obligations for corporate clients.
Financial Health
StrongStrong
Location
UPVEST SECURITIES LTD
Trajectory
2y · 2025–NowFinancial sub-scores
Computed from 2 filingsProvides an API-based investment infrastructure enabling fintechs to offer brokerage, trading and investment features. Services include account opening, order execution, fractional investing, savings…
Serves B2B fintechs, digital banks, brokers and wealth-management platforms, particularly European firms that want to offer investment and trading experiences to their end users.
Financial Health
StrongStrong · Growing, Hiring · 234% CAGR over 1y
Location
UNIVERSAL PARTNERS FX LTD
Trajectory
4y · 2020–NowFinancial sub-scores
Computed from 4 filingsProvides foreign exchange and international payment services for businesses, including spot FX transactions, hedging strategies, mass payments, and local collection accounts. Also offers business…
Serves businesses worldwide with international currency, payments and finance needs, including firms managing cross-border transactions, mass payments, local collections, trade finance, asset finance…
Financial Health
StrongStrong · Hiring · 37% CAGR over 4y
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides payment processing and commerce technology, offering integrated payment platforms, APIs, and cross-border payment capabilities that enable businesses to accept, process and manage electronic…
Sells to businesses needing cross-border payment capabilities, particularly merchants and commerce organisations operating in the UK and internationally. Targets B2B buyers seeking payment…
Financial Health
StrongStrong · Hiring · 324% CAGR over 1y
Location
SBS - SECURE BUSINESS SUPPORT LIMITED
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsDevelops banking and lending software for financial institutions, including core banking systems, digital banking tools, payment processing, crypto asset management, deposit management, regulatory…
Serves B2B financial institutions, including banks, building societies and lenders across retail, wholesale, asset finance and dealer floorplan financing, plus teams responsible for payments,…
Financial Health
StrongStrong
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides APIs that connect banks and fintechs to small business accounting, ERP and financial systems, enabling secure data sharing, automated financial data collection, spend insights, and…
Sells to enterprise financial institutions—banks, fintechs, issuing banks, B2B payments providers and business lenders—that serve small and middle-market business customers.
Financial Health
StrongStrong · Growing, Hiring · 15% CAGR over 4y
Location
PERSONETICS TECHNOLOGIES (UK) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops AI-powered digital banking software for banks and financial institutions. Provides platforms for personal financial management, transaction data enrichment and categorisation, customer…
Sells B2B to banks and financial institutions in global markets, targeting retail banking, deposits, customer engagement, digital banking and SMB/SME banking teams serving consumer and small-business…
Financial Health
HealthyHealthy · Growing, Hiring · 3% CAGR over 4y
Location
Aronova Interactive Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops and operates software platforms for receivables‑backed working capital and trade finance programmes. Provides funding platforms, APIs, analytics and reporting tools used by banks, insurers…
Serves banks, financial institutions, asset managers, insurers and trade finance originators running receivables-backed working capital programmes for large corporate clients globally.
Financial Health
StableStable · -3% CAGR over 2y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops payment verification and open banking software for banks and payment service providers. Provides APIs for Verification of Payee and Confirmation of Payee, routing and verification…
Serves banks, payment service providers, electronic money institutions and other financial institutions in the UK and Eurozone with payment compliance and open banking requirements.
Financial Health
HealthyHealthy · Hiring · 73% CAGR over 4y
Location
TEGRA118 UK WS LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops and provides financial technology and payment processing systems for banks, credit unions, merchants and fintechs, including digital banking platforms, merchant acquiring, billing and…
Serves B2B and public-sector customers, including large merchants, corporates, small businesses, banks, credit unions, large financial institutions, fintechs, government, education, utilities, and…
Financial Health
StableStable · -91% CAGR over 2y
Location
CELLPOINT DIGITAL HOLDINGS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides payment orchestration and digital commerce platforms that connect payment service providers, acquirers and alternative payment methods. Enables airlines, travel companies and other merchants…
Sells primarily to enterprise travel businesses, especially airlines, hotels and other travel providers. Also serves retailers, e-commerce merchants and hospitality companies seeking payment…
Financial Health
DistressedDistressed · -68% CAGR over 4y
Location
TAUREX LIMITED (FORMERLY ZENFINEX LIMITED)
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides online trading services for retail and institutional clients, offering access to forex, indices, commodities, shares, cryptocurrencies and other CFD markets. Operates trading platforms…
Serves retail traders, professional investors and institutional clients, plus partners such as introducers, affiliates, fund managers and prop desks in the UK and international markets.
Financial Health
HealthyHealthy · Hiring · 30% CAGR over 2y
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides technology and operational support for a securities finance platform, enabling the arrangement and processing of securities lending and financing transactions, including automated trading,…
Serves global financial institutions active in securities finance, including agent lenders, broker-dealers, beneficial owners, repo and collateral desks, and trading, operations, compliance and data…
Financial Health
HealthyHealthy · Profitable, Hiring · 12% CAGR over 1y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsOperates an electronic trading platform providing foreign exchange and bullion liquidity to banks, asset managers, hedge funds and corporates. Offers APIs, trading interfaces, smart order routing,…
Serves professional FX market participants, including banks, corporates, asset managers, hedge funds and other institutions; targets eligible contract participants and MiFID II professional clients,…
Financial Health
WeakWeak · 0% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops regulatory compliance software for asset managers, hedge funds, banks and other financial institutions. The platform automates monitoring of investment rules, shareholding disclosures,…
Serves compliance teams at asset managers, hedge funds, investment banks, pension funds and other financial institutions, from smaller firms to large global organisations managing regulated…
Financial Health
HealthyHealthy · Hiring · 18% CAGR over 4y
Location
FUNDINGXCHANGE LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsOperates an online platform that connects businesses with multiple lenders to obtain financing. Enables users to submit a single funding request, compare loan and finance offers, and access products…
Serves UK businesses seeking finance, mainly SMEs comparing funding options, and also works with brokers, lenders and platform partners involved in business lending.
Financial Health
StrongStrong · Growing, Hiring · 8% CAGR over 4y
Location
INVESTCLOUD LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsDevelops financial technology software for wealth managers, asset managers and financial institutions. Provides platforms for trading, portfolio rebalancing, performance reporting, financial…
Serves B2B financial services firms, including wealth managers, asset managers, private banks, broker-dealers and TAMPs, as well as wealth professionals and their end clients.
Financial Health
StableStable · -77% CAGR over 3y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides fintech infrastructure connecting mobile money wallets, bank accounts, cards, ATMs and digital tokens with international money transfer operators and payment services. Supports remittances,…
Sells primarily to B2B financial services partners such as international money transfer operators, payment providers and airtime/subscription platforms, while also supporting consumers using…
Financial Health
StrongStrong
Location
Focusync (UK) Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops software for banks to automate regulatory reporting. The platform integrates source systems, validates and stores data, and generates regulatory, risk and liquidity reports, dashboards and…
Sells to B2B financial institutions, particularly banks needing UK regulatory reporting, risk, liquidity and statistical reporting. Serves compliance, finance, treasury and risk teams seeking…
Financial Health
StrongStrong · Growing, Hiring · 15% CAGR over 5y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides card payment processing solutions for businesses, including countertop, portable and mobile card machines, online payment gateways and EPOS systems. Also offers merchant cash advances,…
Serves UK businesses that need card and online payment acceptance, including retail stores, restaurants and hospitality operators, mobile service providers and e-commerce merchants.
Financial Health
StrongStrong · Hiring · 22% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops IT software and SaaS platforms for financial institutions, including banking systems, payment service provider platforms, treasury single account systems, digital banking, lending and…
Serves financial institutions and public finance bodies, including banks, fintechs, payment service providers, credit unions, digital banks, currency exchanges, lenders, factoring firms and treasury…
Financial Health
StableStable
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides foreign exchange brokerage services for businesses, including international payments, multi‑currency accounts, and currency risk management tools such as hedging, market orders and stop…
Targets organisations with £1m-£250m annual FX exposure, particularly importers and exporters, plus corporate, private, partnership and institutional clients making regular international currency…
Financial Health
HealthyHealthy · Hiring · 4% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides a financial research platform that aggregates macroeconomic and financial market data from multiple sources and offers tools for analysis, charting, visualization, and report creation used…
Serves B2B financial and economic research users at hedge funds, investment banks, asset managers, research institutions, pension funds and corporations, including economists, strategists and traders.
Financial Health
StrongStrong · Growing, Hiring · 44% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides an online financial management platform for small and medium‑sized businesses, enabling payroll and tax payments, automated supplier and customer payments, bank account aggregation, and…
Serves SME entrepreneurs and small to medium-sized businesses, particularly owners and finance teams seeking support with payroll, payments, bank account information and business finance oversight.
Financial Health
StrongStrong · Growing, Hiring · 19% CAGR over 4y
Location
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How London fintech companies work and how to sell to them
What they do
London fintech firms usually monetise through a blend of per-seat subscriptions, usage fees, transaction margins, interest-related spreads, interchange, assets-under-administration fees, implementation services and support retainers. Software suppliers sell workflow, data or API access; regulated operators sell the financial service itself, often wrapped in account, payment, lending, treasury or wealth functionality. Ad-supported models exist around consumer traffic but are less central to most B2B propositions. Engagement size tends to expand with volume, customer-money exposure and integration depth: a narrow reconciliation tool may start as a departmental subscription, while embedded finance or payment processing relationships become multi-function commercial arrangements.
Who they sell to
The buyer base is mixed: finance teams at SMEs, product and payments teams inside marketplaces, risk and compliance functions at banks, and wealth, lending or treasury teams in larger institutions. Decision-makers typically include the CFO, CTO, COO, Head of Payments, Head of Compliance, MLRO, Product Lead and Procurement. Self-serve acquisition works for narrow developer or reconciliation tools; direct sales is more common where contracts touch customer money, credit risk or regulated outsourcing. Bank and enterprise deals tend to involve RFPs, security review, operational resilience checks and legal negotiation, while SME deployments can begin with a trial, pilot or partner referral.
What they buy
Most London fintech firms tend to spend on cloud infrastructure, data storage, analytics, observability, incident management, security testing, identity and access management, and core controls around logging and encryption. Commercial teams buy CRM, customer support, billing, revenue operations and marketing attribution tools. Regulated operators often need KYC and KYB workflow tooling, financial-crime screening, transaction monitoring, complaints handling, policy management and audit evidence systems. Professional services spend usually clusters around regulatory advice, legal review, accounting, tax, penetration testing, certification support, recruitment and outsourced compliance operations. Firms selling through partners may also buy channel enablement, integration support and technical documentation services.
Why and how to sell to them
Buying intent often appears when fintech firms apply for FCA permission, add a regulated product line, enter a new overseas market, move from pilot volumes to live transaction flows, or hire senior finance, compliance, risk, product or engineering leaders. Other triggers include bank-partner due diligence, rising fraud losses, manual onboarding backlogs, customer-service strain and pressure to evidence operational resilience. Outbound works better when the pitch is tied to a named control owner or commercial bottleneck rather than a generic growth claim. Sellers should show how they reduce manual review, shorten onboarding, improve audit evidence, lower failed-payment rates or make unit economics clearer.
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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