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Fintech Companies in Manchester: 100+ Active Firms (2026)
Fintech companies in Manchester build digital payments, lending, banking and compliance tools for financial services users across the city region.
Payments and e-money remain the main buying centres, with lending infrastructure, banking rails, compliance tooling and account-data workflows forming the adjacent clusters. Buyers tend to be merchants, platforms, financial institutions and regulated service providers, rather than purely consumer-app users. Engagements are rarely light departmental purchases: they usually touch settlement, credit decisioning, customer onboarding, permissions or reporting, so sales involve compliance, operations, product and finance teams. Manchester firms in this space tend to fit lean specialist or mid-sized operating models, with revenue expectations shaped by regulated financial workflows rather than by high-volume advertising or consumer subscription economics.
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Manchester has 137 actively trading fintech companies across payments, e-money, lending, banking infrastructure and compliance software. The reported employment footprint is 1,190 people, which points to a city-region market built around lean product, engineering, risk and operations teams rather than large local back-office employers. The presence of firms serving merchants, platforms and regulated financial institutions also means the Manchester cohort is exposed to national procurement cycles, not just local consumer demand, especially where payments, onboarding and compliance workflows sit inside customers’ core operations.
UK fintech obligations turn on the activity being carried out, not the fintech label. Payment-account operation, card payments, acquiring, money remittance, account information and payment initiation can bring firms within the FCA perimeter under the Payment Services Regulations. E-money issuers generally need FCA authorisation or registration under the Electronic Money Regulations unless an exemption applies or an existing FSMA permission is sufficient. Cryptoasset activity is also moving towards direct FCA authorisation for in-scope UK business, adding another permissions layer for firms that combine payments, cryptoasset workflows, compliance monitoring and customer onboarding.
Manchester’s fintech base appears likely to stay specialist rather than become dominated by very large employers. The qualitative weight sits in payments, regulated workflow and compliance-adjacent infrastructure, where buyers tend to value permissioning, operational resilience and integration depth before breadth of features. Firms with clearer regulatory pathways may find procurement easier, while those exposed to cryptoasset activity face a longer authorisation-led sales conversation. Consolidation pressure may come from customers wanting fewer suppliers across onboarding, payments and financial crime controls, rather than from consumer demand alone.
137
Active firms
2026
16
Above £5M
Turnover threshold
18
Since 2022
Newer incorporations
Key facts
About 11% of the trading cohort reports turnover above £5M (16 of 137 firms) — the rest sits below that revenue band.
13% of the cohort was incorporated since 2022 (18 firms), so a sizeable share is in its first few filing cycles.
Fintech is not a single regulated activity in the UK; obligations depend on the service offered.
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 when the new regime comes into force on 25 October 2027.
HM Treasury stated in April 2026 that over 3,000 UK fintech firms support tens of thousands of skilled jobs and attracted over £2.6 billion in investment in 2025.
Top Manchester fintech companies
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops liquidity management software for banks and financial institutions. Provides platforms that monitor intraday cash and securities positions, reconcile forecasts with actual balances, and…
Serves banks and other financial institutions, particularly treasury, liquidity, CFO and operations teams within banking groups that need oversight of intraday cash, securities, collateral, instant…
Financial Health
WeakWeak · Hiring · 3% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides embedded payment processing for online platforms and marketplaces, enabling acceptance of card and digital wallet payments, seller onboarding, automated split payments, subscription and…
Serves B2B marketplaces, platforms and merchants that need embedded payments, seller onboarding, split payments and transaction monetisation, including enterprise platform operators.
Financial Health
HealthyHealthy
Location
Evolution Money
Provides secured homeowner loans for purposes such as debt consolidation, home improvements, vehicle purchases and other personal spending. Offers loans typically from £5,000 to £105,000 with…
Serves UK consumers who own homes, including borrowers seeking larger loans for debt consolidation, home improvements, vehicles or holidays, and applicants whose circumstances or credit scores may…
Location
ORIENT MONEY TRANSFER LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides international money transfer and foreign exchange services, enabling customers to send funds to countries including Pakistan, China and the UAE via an online platform, mobile app or phone.
Serves UK-based consumers and possibly small businesses sending money abroad, particularly customers transferring funds from the United Kingdom to Pakistan, China and Hong Kong through online, phone…
Financial Health
StrongStrong · Hiring · 32% CAGR over 4y
Location
ASSETZ CAPITAL LIMITED
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides secured property and business lending to SMEs and property developers, including development finance, residential refurbishment loans, bridging finance and commercial mortgages. Originates…
Serves SME property developers, professional property investors, landlords and established businesses seeking property-backed finance, with a dedicated channel for brokers and finance intermediaries.
Financial Health
DistressedDistressed · -25% CAGR over 1y
Location
BANKIFI TECHNOLOGY LIMITED
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsDevelops embedded banking software for banks and financial intermediaries, enabling services for small businesses such as payments and collections, invoicing, tax compliance, cash forecasting,…
Sells to mainstream banks and financial intermediaries, particularly business banking teams focused on microbusiness and SME customer segments.
Financial Health
DistressedDistressed · -71% CAGR over 4y
Location
SUPERPRIME LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides fintech software platforms for money transfer and foreign exchange businesses, including remittance processing systems, currency exchange platforms, rate boards, mobile apps, and compliance…
Serves B2B clients in the money transfer, remittance, currency exchange and foreign exchange sectors, including traders and firms needing KYC, compliance and corporate fintech solutions.
Financial Health
StrongStrong · Hiring · 6% CAGR over 4y
Location
Trajectory
3y · 2024–NowFinancial sub-scores
Computed from 3 filingsProvides payment processing software and services for businesses, including online payment acceptance, global acquiring, mass payouts, card reader solutions, and a unified platform for transaction…
Serves B2B merchants and partners needing payment acceptance, payouts and checkout capabilities, including e-commerce, subscription and multi-location businesses expanding across Southeast Asia,…
Financial Health
DistressedDistressed · -88% CAGR over 2y
Location
Evolution Lending
Provides secured consumer loans backed by residential property, including non‑standard lending for borrowers with complex credit profiles. Accepts referrals from financial introducers and offers loan…
Serves UK consumers seeking secured residential property loans, particularly financially stressed or non-standard borrowers, and works with business introducers/referrers who refer clients needing…
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides an online platform for collecting and managing group payments. Users create payment links or QR codes to request contributions, allowing others to pay by card, Apple Pay or Google Pay, with…
Serves consumers organising informal group payments, including friends, parents collecting for teacher gifts, clubs or activity organisers, and people pooling money for presents, events, fundraising…
Financial Health
WeakWeak · Hiring · 12% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides digital identity and age verification services using Open Banking data. Offers APIs for customer onboarding, KYC checks, e‑signing authentication, direct debit setup, and pre‑employment or…
Serves UK businesses needing online identity or age checks, including financial services KYC teams, eCommerce and gaming operators, employers, landlords, e-signing providers and platforms subject to…
Financial Health
StrongStrong · Hiring · 7% CAGR over 5y
Location
Supersonicz Limited
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsProvides online international money transfer services through a website and mobile app. Enables users to send funds abroad using debit cards, credit cards, or bank transfers, with payment tracking…
Serves consumers and diaspora communities sending personal remittances abroad, particularly to recipients in Africa, Asia and Europe, including Gambia, Ghana, Senegal, Nigeria, Kenya, Morocco,…
Financial Health
StableStable · Hiring · 27% CAGR over 3y
Location
ALEGRA PAYMENTS LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides merchant payment solutions for businesses, including mobile and countertop card machines, online payment gateways, virtual terminals, pay‑by‑link services, and EPOS till systems. Also offers…
Sells to small and medium-sized businesses, including retailers, mobile traders and online merchants that take card, phone, mail order or ecommerce payments.
Financial Health
StrongStrong · Hiring · 164% CAGR over 2y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides international money transfer and foreign exchange services, offering multi‑currency accounts for businesses and individuals to send, receive and manage payments in different currencies for…
Serves individuals and businesses needing multi-currency payments, including MSBs, SMEs, importers and exporters, freelancers, IT and cross-border service providers, and marketplaces.
Financial Health
HealthyHealthy · 0% CAGR over 5y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops fintech payment solutions and gaming platform technology for the online gambling industry, including an integrated cashier for deposits and withdrawals, digital wallet infrastructure, and…
Serves B2B customers in the gaming industry, including online casino operators, land-based gaming businesses moving online, and gaming brands operating in international markets.
Financial Health
StrongStrong · Hiring · 73% CAGR over 4y
Location
TOP CONNECT LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops and operates a mobile application that enables users to send money internationally. The platform facilitates cross-border remittances and payments to individuals or businesses, allowing…
Serves consumers and entrepreneurs who need international money transfers, including migrants supporting family abroad, individuals paying overseas contacts, and business users sending funds to…
Financial Health
HealthyHealthy · Hiring · 41% CAGR over 4y
Location
FOURTHLINE LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides identity verification and fraud detection software for banks, fintechs and online platforms. Offers automated KYC onboarding, AML screening, document verification, ongoing monitoring and…
Serves banks, neobanks, neobrokers, embedded finance providers, marketplaces and mobility platforms in Europe, targeting compliance, risk and onboarding teams.
Financial Health
StableStable · -36% CAGR over 4y
Location
HN FLOW LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides a cloud-based platform that connects with accounting software to access invoice and payment data, enabling assessment of business invoices for financing. The app allows businesses and…
Serves businesses in England and Wales that issue invoices to third parties, along with accountants supporting business clients and managing accounting data.
Financial Health
DistressedDistressed · -88% CAGR over 2y
Location
AFTAB CURRENCY EXCHANGE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides online international money transfer and remittance services, enabling customers to send funds to recipients in multiple countries via a web platform and mobile app. Offers currency exchange,…
Serves consumers sending international remittances, especially migrants and diaspora customers in Europe, the UK and other supported countries who need to transfer money to family and contacts across…
Financial Health
StableStable
Location
Red Flag Alert Technology Group Limited
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides business intelligence and risk management software for customer acquisition, onboarding, and monitoring. The platform delivers company data, credit risk insights, and compliance checks to…
Serves B2B organisations needing risk, compliance and onboarding support, especially financial services, accounting, construction and legal firms, with buyers including CEOs, CFOs, CROs, CTOs, MLROs…
Financial Health
StableStable · Hiring · 32% CAGR over 3y
Location
Provides secured homeowner loans for purposes such as debt consolidation, home improvements, vehicle purchases and other personal expenses. Offers loans typically from £5,000 to £105,000 with terms…
Serves UK homeowners and consumers seeking personal borrowing, including people consolidating debt, funding home improvements or vehicles, and applicants with weaker credit profiles.
Location
N Hunter Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides fraud prevention services for financial institutions by processing and analysing application data, facilitating data sharing between member organisations, conducting investigations, and…
Serves financial services businesses and member organisations, including banks, credit card issuers, lenders, mortgage providers, merchant services firms, and motor, asset and commercial finance…
Financial Health
StableStable · 0% CAGR over 2y
Location
MATCH ME CAR FINANCE LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides car finance brokerage services through an online platform. Compares loan offers from a panel of lenders, provides quotes and eligibility checks, and enables customers to browse dealer…
Serves UK consumers seeking finance to buy cars, including applicants comparing lender options and browsing vehicles from dealers nationwide.
Financial Health
StrongStrong · Growing, Hiring · 37% CAGR over 4y
Location
Manchester Finance Company Limited
Trajectory
3y · 2023–NowProvides specialist property finance to businesses, developers and investors, including bridging loans, development finance, and funding for commercial property acquisitions or capital raising…
Serves UK businesses, property developers and property investors seeking finance secured against commercial, residential, land or unusual property assets.
Financial Health
Insufficient historyInsufficient history
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and operates financial technology platforms that connect consumers with lenders and financial service providers. Runs online products and partner networks that match customers seeking loans…
Serves both consumers seeking financial products and services and B2B partners in the financial sector, including lenders and affiliates that need customer acquisition and matching to appropriate…
Financial Health
DistressedDistressed · -7% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides financing services to automotive businesses, including invoice factoring and stock funding. Helps bodyshops and vehicle dealerships release cash from invoices and finance vehicle inventory…
Serves UK automotive-sector businesses, particularly bodyshops and vehicle dealerships needing working-capital support for invoices or vehicle stock.
Financial Health
StableStable · -67% CAGR over 4y
Location
LATITUDE LEASING LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsArranges business finance for SMEs through leasing and lending products, including finance leases, hire purchase, operating leases, asset refinance, commercial loans, and vehicle finance, working…
Serves SMEs and business owners seeking funding for equipment, vehicles, assets or projects, as well as suppliers of business equipment that want finance options for their customers.
Financial Health
HealthyHealthy · -60% CAGR over 4y
Location
APOLLO BUSINESS FINANCE LIMITED
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsProvides invoice finance and factoring services to businesses, advancing funds against unpaid customer invoices to improve cash flow. Also offers construction invoice finance, CHOCC‑backed funding…
Serves UK SMEs with unpaid B2B invoices, especially firms facing cash-flow gaps, slow customer payment terms, poor credit, CCJs, or lender rejection, including construction and temporary employment…
Financial Health
HealthyHealthy · Hiring · 12% CAGR over 1y
Location
SENECA TRADE FINANCE LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides stock funding and revolving loan facilities to small and medium-sized businesses. Offers finance for purchasing inventory and trading activities, with credit limits typically from £25,000 to…
Serves UK SMEs and trading businesses that buy, hold or manufacture stock, including importers, wholesalers and product-led firms seeking £25k-£300k working-capital facilities.
Financial Health
HealthyHealthy · -60% CAGR over 4y
Location
Provides payments consulting and analytics services to large merchants, analysing payment processing fees, provider performance and transaction data to reduce acceptance costs, optimise payment…
Serves Global 500 and enterprise merchants in retail, fuel and convenience, food and drug, QSR and dining, fashion, digital subscription, travel, booking and ticketing sectors.
Financial Health
Insufficient historyInsufficient history
Location
STREET SYSTEMS LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops software for broker-dealers that integrates trading, order management and clearing systems. Provides straight‑through processing tools, exchange connectivity, data aggregation, workflow…
Serves broker-dealers, fixed-income trading firms and financial institutions with exchange, clearance and OMS environments, including teams handling post-trade processing, trading operations and…
Financial Health
StableStable · -65% CAGR over 4y
Location
I QUOTE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides financial services and operational support to law firms, including operational expenditure loans, legal disbursement funding and cost advance finance. Develops legal technology tools such as…
Serves B2B customers in the legal sector, primarily law firms and legal practices seeking financial support, legal technology, outsourcing, expert witness access, and operational efficiency tools.
Financial Health
HealthyHealthy · -66% CAGR over 4y
Location
GROSVENOR FUNDING LTD
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides short-term bridging loans for property and business transactions. Offers finance secured against residential, semi-commercial and commercial property or land, including funding for…
Serves individual property buyers, homeowners, company directors and businesses needing short-term funding for residential, semi-commercial, commercial or land transactions across England, Scotland…
Financial Health
HealthyHealthy · -40% CAGR over 1y
Location
HX TRADING LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsOperates an online cryptocurrency exchange platform enabling users to convert Bitcoin and other digital assets into Ethereum, Litecoin and electronic payment balances such as PayPal, Payeer and…
Serves retail cryptocurrency users needing OTC digital-asset and online payment account exchanges, plus affiliate marketers promoting exchange services through social media, blogs, and personal…
Financial Health
StableStable · Hiring · 29% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides cash management analytics software and consultancy for financial institutions, ATM operators, retailers and FX providers. Offers tools for cash forecasting, ATM and cash reconciliation, and…
Serves banks, credit unions, ATM operators, retail FX operators, and retailers or merchants with significant cash operations, targeting operations and finance teams managing cash networks…
Financial Health
DistressedDistressed · -5% CAGR over 5y
Location
IDEX BIOMETRICS UK LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops biometric fingerprint authentication technology and smart cards for physical and digital access control and payment cards. Products integrate with existing access systems and payment…
Serves B2B customers including enterprises needing secure physical and digital access, and banks or payment card issuers seeking certified biometric payment solutions for customer rollout.
Financial Health
HealthyHealthy · -2% CAGR over 2y
Location
MOOLAH MONEY LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides an AI-powered personal financial planning platform that aggregates users’ income, spending, investments and net worth, offers scenario modelling for financial decisions, personalised…
Serves UK consumers seeking personal financial planning support, including individuals managing income, spending, investments, net wealth, and life goals such as buying a home, moving abroad,…
Financial Health
StrongStrong
Location
NEW MILLENNIA SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides funding, payroll processing and back‑office administration for recruitment agencies. Services include invoice factoring, invoicing, credit control, contractor payroll, contractual…
Serves start-up and established SME recruitment agencies across the UK, particularly owners and managers running temporary worker payroll and back-office operations.
Financial Health
StrongStrong · Hiring · 254% CAGR over 4y
Location
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsProvides consumer finance for leisure vehicles, including caravans, campervans and motorhomes. Offers loan and credit arrangements to individuals purchasing holiday homes and recreational vehicles,…
Serves UK consumers and campers looking to buy caravans, campervans or motorhomes, including holiday home buyers seeking personal leisure vehicle finance.
Financial Health
StrongStrong · 499% CAGR over 1y
Location
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsOperates an online trading platform providing access to forex and CFD markets, including commodities, indices, shares and cryptocurrencies. Offers trading accounts, copy trading and PAMM services,…
Serves retail and experienced individual traders seeking access to forex, commodities, indices, shares and cryptocurrency CFD markets, with account options for low-capital beginners through…
Financial Health
StrongStrong · Growing, Hiring · 50% CAGR over 1y
Location
ROMACO SPV3 LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides short‑term bridging loans, refurbishment and buy‑to‑let finance, and development funding for property investors and developers. Offers lending products and partner channels to support…
Serves property investors, landlords and developers seeking bridging, buy-to-let, refurbishment and commercial development finance, including borrowers introduced through broker and partner channels.
Financial Health
StrongStrong
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides digital payment and financial services through a mobile app, including wallet accounts, money transfers, bill payments, airtime and data top‑ups, debit cards, and savings products offering…
Targets Nigerian consumers using mobile financial services, small merchants needing POS/business payment accounts, and agents operating local payment access points.
Financial Health
HealthyHealthy
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsDevelops and provides real-time liquidity management software for banks. The platform aggregates account and securities data to monitor intraday balances, manage cash and payment flows, run stress…
Serves banks and financial institutions, targeting treasury and liquidity managers, risk professionals, compliance teams and senior financial decision-makers responsible for intraday liquidity, cash,…
Financial Health
DistressedDistressed
Location
BUGGY DOUGH LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsArranges car finance for consumers by connecting applicants with a panel of lenders. Provides online tools to search used cars, obtain finance quotes, and apply for vehicle loans through partner car…
Serves individual consumers looking to finance a used or second-hand car, including applicants with poor credit histories or those refused elsewhere, buying through dealer networks.
Financial Health
StrongStrong · Hiring · 32% CAGR over 4y
Location
HAPPY MOTOR FINANCE LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsActs as a credit broker arranging vehicle finance for cars, vans and motorbikes through a panel of lenders. Offers PCP, hire purchase, lease purchase and refinancing options, including products for…
Serves consumers seeking vehicle finance for cars, vans, motorbikes, motorhomes and taxis, including applicants with poor credit, CCJs, IVAs, no deposit, negative equity, self-employed status,…
Financial Health
WeakWeak · Hiring · 26% CAGR over 2y
Location
Trajectory
4y · 2020–NowFinancial sub-scores
Computed from 4 filingsProvides a payment orchestration platform that connects banks and merchants to multiple payment service providers via APIs. Enables management of payments, fraud and identity services, integrations,…
Serves banks, payment enablers and merchants with complex digital commerce operations, including developers and back-office teams managing multiple payment providers, fraud, identity and compliance…
Financial Health
StableStable · Hiring · 149% CAGR over 3y
Location
POLLEN TECHNOLOGIES LIMITED
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsProvides a white‑label fintech platform that enables businesses to launch branded payment services. Offers tools for opening named IBAN accounts, managing payments and FX across multiple currencies,…
Sells to SMEs and businesses wanting to launch branded fintech, payments or client-fund platforms, including firms managing payouts at scale, global supply chains and regulated client money processes.
Financial Health
DistressedDistressed · Hiring · 22% CAGR over 1y
Location
Trajectory
2y · 2022–NowOperates a cryptocurrency platform providing digital asset wallets, trading and exchange services. Offers tools to buy, sell, swap and store cryptocurrencies, connect to decentralised applications,…
Sells to retail crypto wallet users, individual investors, active/professional traders and institutional clients, including public companies, crypto funds and businesses managing digital-asset…
Financial Health
Insufficient historyInsufficient history
Location
Provides consumer car finance loans through an online platform. Offers pre‑approval checks, loan applications and payment calculators, enabling customers to secure financing and receive funds to…
Serves UK consumers seeking car finance, especially individuals wanting pre-approval before buying a vehicle from a dealer or other seller.
Location
24 EXCHANGE UK LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides multi-currency business accounts and cross-border payment services for companies and online sellers, including international transfers, foreign exchange transactions, marketplace payout…
Serves businesses trading internationally, especially e-commerce sellers on Amazon, TikTok Shop, Shopify and Etsy, importers paying Chinese suppliers, and companies needing corporate cross-border…
Financial Health
StrongStrong · Hiring · 32% CAGR over 4y
Location
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How Manchester fintech companies work and how to sell to them
What they do
Manchester fintechs usually earn revenue from regulated transaction flows rather than one-off software licences. Payments and e-money firms tend to price through per-transaction fees, account charges, implementation work and sometimes monthly platform subscriptions; lending and compliance infrastructure firms more often combine licence fees with usage-based pricing for checks, decisions or API calls. Delivery is mostly software and infrastructure, with a services layer for onboarding, integrations, risk reviews and customer support. Gross margins depend on scheme fees, cloud costs, fraud losses and support intensity, so even similar-looking platforms can have rather different unit economics.
Who they sell to
Most Manchester fintechs sell into merchants, platforms, financial institutions and other regulated service providers, with some consumer-facing firms still depending on partner and embedded distribution. The buying group usually includes a commercial owner, CTO or engineering lead, compliance, risk, finance and operations; for lending, the credit lead may be central. Contract value tends to follow transaction volume, regulatory exposure and integration depth, so a pilot can be approved much faster than a production deployment touching money movement or customer due diligence. Direct sales dominates higher-friction deals, while partner channels and RFPs are more common where banks, public bodies or larger platforms are involved.
What they buy
Most fintech firms tend to spend on the plumbing that keeps regulated products running: cloud infrastructure, API management, observability, security monitoring, identity verification, fraud controls, customer due diligence, payment reconciliation and ledger tooling. Revenue teams usually need CRM, sales engagement, partner management, onboarding analytics and pricing operations, while finance teams buy billing, subscription management, tax, audit and reporting support. Hiring needs can be spiky, especially for product engineers, risk specialists, compliance operations and customer support. External spend also flows to legal, accountancy, regulatory consultancy and penetration testing when a new payment, e-money, lending or cryptoasset workflow moves towards launch.
Why and how to sell to them
Buying intent often appears when a fintech adds a regulated activity, signs a larger merchant or platform, prepares for authorisation, expands transaction volume, hires senior risk or finance staff, or raises funding for product build-out. Common pain points are manual onboarding checks, fragmented reconciliation, fraud exposure, cloud cost control, audit evidence, uptime expectations and the slow hand-off between product, compliance and operations. Outbound tends to land better when it speaks to one monitored workflow rather than the whole company: fewer failed payments, cleaner audit trails, faster partner onboarding, lower exception queues or clearer management information. Manchester firms may value practical implementation support as much as feature breadth.
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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