Ranking the UK's Top 100 Seed-Stage Fintech Innovators
Published 27 October 2026 · 100 companies · AI-generated copy
The UK's Fintech sector continues to demonstrate robust growth, particularly at the seed stage. Our analysis of 100 seed-stage Fintech companies reveals a staggering total of £622,301,270 raised, highlighting significant investor confidence in emerging financial technologies.
On average, a seed-stage Fintech company in this dataset secured £6,223,013, with the median raise standing at £4,146,786. These figures underscore a dynamic funding landscape, propelling innovation across various financial services.
Total Raised
£622.3m
Average
£6.2m
Median
£4.1m
Top-10 share
33.0%
The Biggest Raises
Nevis leads the pack, having secured an impressive £30,314,247 in funding. This is closely followed by Januus.io, with a significant gap of £2,364,811 separating the top two companies. Collectively, the top 10 companies account for 33.0% of the total funding, signifying concentrated investment in high-potential ventures.
Where They're Based
London remains the undisputed hub for Fintech innovation, housing 78 of the 100 companies and attracting £504.6m, or 81.1% of the total investment. Beyond the capital, the South West emerges as a notable region with 5 companies raising £49.9m, representing 8.0% of the total. The North West also contributes significantly, with 6 companies securing £24.6m, accounting for 4.0% of the overall funding.
What They're Building
Fintech innovators are predominantly focusing on data-driven solutions, with 35 companies tagged under Data provision and analysis. Wealth, asset and investment management follows closely with 27 companies, indicating a strong trend towards modernising investment services. Budgeting and financial management, alongside Payment processing, each account for 24 companies, showcasing a broad effort to enhance everyday financial operations.
Trends to Watch
The prominence of AI platforms, such as Nevis's wealth management solution and capsa.ai's due diligence software, suggests a growing reliance on artificial intelligence for efficiency and insight. There is also a clear movement towards decentralised finance and crypto-related solutions, as exemplified by Januus.io. Furthermore, companies addressing sustainable finance, like TreeCard, indicate an increasing focus on ethical and environmentally conscious financial products.
Key Insights
- ▸Seed-stage Fintechs in the UK have collectively raised £622,301,270.
- ▸Nevis secured the largest raise at £30,314,247, specialising in AI for wealth management.
- ▸London dominates the UK Fintech scene, hosting 78 companies and attracting 81.1% of all funding.
- ▸Data provision and analysis is the most common sector, with 35 companies focusing on this area.
- ▸The average seed-stage raise for a Fintech company stands at £6,223,013.
- ▸The top 10 companies account for 33.0% of the total seed-stage Fintech funding.
Total Raised by Region
London
£504.6m ×78
South West
£49.9m ×5
North West
£24.6m ×6
East of England
£17.1m ×3
South East
£9.4m ×2
East of Scotland
£4.5m ×2
Wales
£3.8m ×1
West of Scotland
£3.1m ×1
Top Sector Tags
Data provision and analysis
35
Wealth, asset and investment management
27
Budgeting and financial management
24
Payment processing
24
Banking
20
Investment banking and corporate finance
20
Robots and automation
16
Risk and compliance
15
Trading platforms
13
Loans, debt and grants
11
Full Rankings (100 of 100)
| 1 | Nevis | £30,314,247 | London | Application software; Wealth, asset and investment management | Nevis develops an AI platform for wealth management. |
| 2 | Januus.io | £27,949,436 | London | Application software; Data management; Data provision and analysis; Risk and compliance; Wealth, asset and investment management | Januus.io develops a cryptowallet-to-identity database which provides ownership data for cryptocurrency assets, wallets and transactions. |
| 3 | Adfin | £24,222,973 | London | Application software; Assistants, secretaries and administrative support; Budgeting and financial management; Payment processing | Adfin develops an online platform which aims to reduce the administrative burden of invoicing and payments for businesses. |
| 4 | TreeCard | £23,665,662 | South West | Application software; Banking | TreeCard develops wooden bank cards and a mobile app that enables users to track their spending and utilises surcharge profits to fund reforestation programmes. |
| 5 | BLEND Network | £20,000,000 | London | Application software; Loans, debt and grants | BLEND Network operates a P2P website that connect lenders with those looking to borrow in order to purchase property. |
| 6 | TuningBill | £19,094,618 | London | Application software; Banking; Payment processing | TuningBill develops a cross-border invoice discounting tool for investors, buyers and sellers, aiming to allow users to evaluate foreign exchange risks and facilitate discounts for preferred suppliers. |
| 7 | nsave | £16,548,453 | London | Application software; Banking; Currency exchange; Payment processing; Trading platforms | nsave operates global banking accounts for transferring money and investing. |
| 8 | Nous | £15,368,718 | London | Application software; Budgeting and financial management; Data provision and analysis | Nous develops software designed to help users track household bills and planned price rises for utilities and service providers, using AI to suggest potential steps users can take to save money. |
| 9 | capsa.ai | £15,220,000 | London | Application software; Data provision and analysis; Investment banking and corporate finance; Private equity and venture capital; Risk and compliance; Robots and automation; Wealth, asset and investment management | capsa.ai develops AI software for private equity firms which aims to accelerate the due diligence process through automating reporting and analysis. |
| 10 | Outpost | £13,000,000 | London | Accountancy and tax; Application software; Assistants, secretaries and administrative support; Data provision and analysis; Lead generation and sales support; Payment processing; Robots and automation | Outpost develops an automated Merchant of Record and Tax of Record platform. |
| 11 | Ooodles | £11,823,263 | London | Application software; Electronics hardware; Mobile, internet and wireless hardware; Product rental and hire; Technology consultancy and IT and telecommunications support | Ooodles rents technology devices, such as laptops, computers and phones to businesses. |
| 12 | Lopay | £11,343,153 | London | Application software; Payment processing | Lopay develops a payment processor and software for retail vendors. |
| 13 | DoorFeed | £10,478,573 | London | Application software; Data provision and analysis; Property and land assets investment | DoorFeed develops a platform that provides investment funds with end-to-end management and analysis of their large-scale property portfolios. |
| 14 | Blanche Wealth | £10,228,251 | London | Application software; Budgeting and financial management; Data provision and analysis; Robots and automation; Wealth, asset and investment management | Blanche Wealth develops AI-based wealth management software, using conversational agents which aim to offer personalised financial guidance to a wider range of people. |
| 15 | Clove Group | £10,000,000 | North West | Application software; Budgeting and financial management; Wealth, asset and investment management | Clove Group develops technology for broadening access to financial advice. |
| 16 | multifi | £9,999,999 | South West | Application software; Loans, debt and grants | multifi provides small and medium businesses with flexible credit limits. |
| 17 | illio | £9,058,651 | London | Application software; Data management; Data provision and analysis; Risk and compliance; Wealth, asset and investment management | illio develops a cloud-based investment platform and mobile app, designed to help investors make well informed investment choices. |
| 18 | Infact | £8,500,000 | London | Application software; Banking; Budgeting and financial management; Credit ratings and scores; Data provision and analysis; Investment banking and corporate finance; Loans, debt and grants; Risk and compliance | Infact develops a financial services platform that allows lenders to search, store, and analyse credit information. |
| 19 | Penny | £8,199,978 | South West | Accountancy and tax; Application software; Banking; Wealth, asset and investment management | Penny develops a mobile app which utilises AI to find users' different pension pots and transfers and displays them in one place. |
| 20 | Agio Ratings | £8,145,730 | London | Application software; Data provision and analysis; Risk and compliance; Wealth, asset and investment management | Agio Ratings develops risk analytics and monitoring software for digital assets, enabling risk pricing. |
| 21 | Tokenovate | £7,999,993 | East of England | Application software; Investment banking and corporate finance; Risk and compliance; Trading platforms; Wealth, asset and investment management | Tokenovate develops software designed to allow users to manage their digital asset and smart contract trades. |
| 22 | Alvara Protocol | £7,703,626 | London | Application software; Currency exchange; Technology consultancy and IT and telecommunications support | Alvara develops and manages onchain basket tokens and a protocol ecosystem for creating and trading tokenized portfolios. |
| 23 | Translucent | £7,700,000 | London | Accountancy and tax; Application software; Budgeting and financial management; Data management; Data provision and analysis | Translucent develops an accounting platform that integrates with existing financial apps and systems, with the aim of consolidating financial data into one place. |
| 24 | Simpler. | £7,565,414 | London | Application software; Data provision and analysis; Lead generation and sales support; Online retailing; Payment processing | Simpler. develops integrated one-click checkout software that generates a single online shopper identity for consumers across all sites, aiming to support checkout conversions for online retailers. |
| 25 | Boson Protocol | £7,551,844 | London | Application software; Online marketplace | Boson Protocol operates a marketplace designed to allow users to trade real products and services with blockchain. |
| 26 | Merge | £7,512,375 | London | Application software; Banking; Payment processing | Merge develops an online banking platform which aims to provide banking and payment solutions for web3 and crypto companies. |
| 27 | Abbeycross | £7,238,602 | London | Application software; Data provision and analysis; Payment processing; Risk and compliance; Trading platforms | Abbeycross operates a trading and compliance marketplace for businesses, specialising in emerging market currencies |
| 28 | QFEX | £7,000,000 | London | Application software; Trading platforms | QFEX develops a trading platform that enables users to buy and sell equities, commodities, forex, and perpetual futures. |
| 29 | ABEX | £6,938,971 | London | Application software; Banking; Currency exchange; Data provision and analysis; Trading platforms; Wealth, asset and investment management | ABEX develops a software platform which aims to use machine learning to optimise cryptocurrency trading. |
| 30 | Palm | £6,692,702 | London | Application software; Banking; Budgeting and financial management; Data provision and analysis; Wealth, asset and investment management | Palm develops a treasury management software platform which uses artificial intelligence (AI). |
| 31 | PawaPay | £6,577,677 | South East | Application software; Payment processing | PawaPay develops a mobile payment processing API for businesses. |
| 32 | Five | £6,410,902 | London | Electronics hardware; Embedded systems; Payment processing; Rewards, loyalty schemes and vouchers | Five develops a device which uses palm recognition for payments. |
| 33 | Fortify Solutions | £6,372,892 | East of England | Application software; Banking; Management and strategy consultancy; Risk and compliance; Security and surveillance; Technology consultancy and IT and telecommunications support | Fortify Solutions develops fraud prevention software and provides fraud and risk consultancy services for financial institutions. |
| 34 | Fae | £6,114,999 | London | Application software; Budgeting and financial management | Fae develops a personal money companion to improve financial wellbeing. |
| 35 | FarmLend | £6,095,884 | London | Agriculture, land farming and forestry; Application software; Budgeting and financial management; Loans, debt and grants; Property and land assets investment | FarmLend operates a digital platform that provide financial services, such as supply management and contract negotiations. |
| 36 | PlannerPal | £5,857,656 | South West | Application software; Assistants, secretaries and administrative support; Budgeting and financial management; Data provision and analysis; Robots and automation; Wealth, asset and investment management | PlannerPal develops AI-based software for financial advisers, automating administrative tasks such as meeting notes, client reports, and CRM updates. |
| 37 | Cloud Capital | £5,804,727 | London | Accountancy and tax; Application software; Budgeting and financial management; Data management; Data provision and analysis; Risk and compliance; Robots and automation | Cloud Capital develops cloud financial management software that provides forecasting, cost optimisation, and risk mitigation. |
| 38 | Seva Money | £5,642,930 | London | Application software; Banking; Currency exchange; Emergency services; Hospitals and clinics; Insurance; Medical doctors; Payment processing; Rewards, loyalty schemes and vouchers | Seva operates a remittance platform, providing financial and healthcare services to receivers of remittances. |
| 39 | Mercuryo | £5,389,247 | London | Application software; Data management; Data provision and analysis; Payment processing; Risk and compliance; Security and surveillance | Mercuryo develops a platform for fiat and crypto currencies, providing a range of services such as payment processing, currency exchange and scam protection. |
| 40 | SSV SmartPay | £5,359,049 | London | Application software; Banking; Budgeting and financial management; Payment processing; Rewards, loyalty schemes and vouchers | SSV SmartPay develops payment processing software, including QR and WhatsApp-based payments. |
| 41 | Extended | £5,204,613 | London | Application software; Trading platforms; Wealth, asset and investment management | Extended develops a cryptocurrency exchange platform. |
| 42 | Montis Group | £5,172,607 | London | Application software; Payment processing; Trading platforms; Wealth, asset and investment management | Montis Group develops software for the management of digital assets. |
| 43 | keyzy | £5,000,016 | London | Application software; Budgeting and financial management; Legal services; Loans, debt and grants; Property and land assets investment | keyzy develops software designed to help home buyers purchase property through a rent-to-own model. |
| 44 | Bourn | £5,000,000 | London | Application software; Data provision and analysis; Investment banking and corporate finance; Robots and automation; Security and surveillance | Bourn develops financial software for banks using AI, provide risk management, ERP integrations and open accounting services for working capital finances. |
| 45 | Rho Labs | £4,937,518 | London | Application software; Currency exchange; Trading platforms | Rho Labs develops an on-chain rates market platform. |
| 46 | Damisa Technologies | £4,749,095 | London | Application software; Currency exchange; Payment processing | Damisa Technologies develops a platform for businesses to manage international payments using stablecoins and local currencies, aiming to streamline transactions and reduce currency exchange costs. |
| 47 | Keyring Network | £4,714,434 | North West | Application software; Investment banking and corporate finance; Risk and compliance | Keyring Network develops tools designed to help financial service providers meet blockchain compliance. |
| 48 | Diesta | £4,616,876 | London | Application software; Data provision and analysis; Insurance; Payment processing | Diesta operates an online platform designed to automate and improve the processing of insurance payments. |
| 49 | Benford | £4,300,000 | London | Accountancy and tax; Application software; Data provision and analysis; Robots and automation | Benford provides statutory audits to companies using its own software platform, which connects to clients' accounting systems and automates data collection and testing. |
| 50 | The London BTC Company | £4,198,199 | London | Application software; Data centres | The London BTC Company operates decentralized Bitcoin mining infrastructure and invests in digital asset markets. |
| 51 | Tangible | £4,095,373 | London | Application software; Data provision and analysis; Private equity and venture capital; Risk and compliance; Wealth, asset and investment management | Tangible develops an AI-based secondary transactions auction and marketplace platform for LPs, GPs and wealth managers. |
| 52 | Sablier | £3,984,436 | London | Application software; Banking | Sablier develops token distribution infrastructure for the crypto industry. |
| 53 | Scroll Finance | £3,951,149 | London | Application software; Home and garden; Loans, debt and grants; Property and land assets management | Scroll Finance develops an online platform providing loans for landlords and homeowners. |
| 54 | Oxford Frontier | £3,871,484 | London | Investment banking and corporate finance; Management and strategy consultancy; Technology consultancy and IT and telecommunications support | Oxford Frontier provides digital and fintech consultancy services for developing markets. |
| 55 | Ontik | £3,806,464 | Wales | Application software; Data provision and analysis; Investment banking and corporate finance; Payment processing; Risk and compliance; Robots and automation; Trading platforms | Ontik develops a trade credit platform for businesses aiming to improve efficiency of trade account management. |
| 56 | OpenCover | £3,687,300 | London | Application software; Data aggregation; Insurance | OpenCover provides insurance cover for blockchain portfolios through a range of vetted underwriters, as well as price comparison tools. |
| 57 | Profit.com | £3,635,720 | London | Application software; Investment banking and corporate finance; Trading platforms | Profit.com develops a number of software tools for traders. |
| 58 | Paraglide | £3,600,000 | London | Accountancy and tax; Application software; Assistants, secretaries and administrative support; Robots and automation | Paraglide provides AI tools to support businesses in invoice management and customer communications. |
| 59 | Portfolio | £3,457,772 | North West | Application software; Property and land assets investment | Portfolio provides a platform for investment into property through a mobile app. |
| 60 | Synthex | £3,159,744 | London | Application software; Banking; Budgeting and financial management; Investment banking and corporate finance; Robots and automation | Synthex develops agentic software for the financial services industry. |
| 61 | Qwil | £3,104,998 | London | Application software; Social media | Qwil develops software designed to enable secure instant messaging between businesses and their clients. |
| 62 | Afternoon Finance | £3,088,833 | West of Scotland | Application software; Assistants, secretaries and administrative support; Data management; Data provision and analysis; Investment banking and corporate finance; Robots and automation | Afternoon Finance develops an AI platform that can automate data collection, administration and analysis within the financial advisory industry. |
| 63 | Jarvis | £3,057,469 | London | Application software; Budgeting and financial management; Data provision and analysis | Jarvis develops a mobile app which aims to allow users to take control of and understand their pensions. |
| 64 | BoomFi | £3,014,260 | London | Application software; Payment processing | BoomFi operates a crypto payment system through blockchain and traditional mediums, utilising web3. |
| 65 | Artifact AI | £2,982,655 | London | Accountancy and tax; Application software; Data provision and analysis; Robots and automation | Artifact AI develops an AI accounting platform. |
| 66 | Alte | £2,870,667 | London | Application software; Property and land assets investment; Wealth, asset and investment management | Alte provides an online platform which offers investment management services, focusing on the European real estate market. |
| 67 | Sporta | £2,851,805 | South East | Application software; Banking; Sports clubs; Sports venues | Sporta operates a digital banking and financial platform aimed at helping sports clubs, athletes, and fans manage money and grow within the sports ecosystem. |
| 68 | ReStabilise | £2,820,000 | London | Application software; Investment banking and corporate finance | ReStabilise develops a GBP and multi-currency stablecoin issuance platform. |
| 69 | Inveztor | £2,804,951 | London | Application software; Legal services; Loans, debt and grants; Wealth, asset and investment management | Inveztor operates an online platform which allows users to manage and maintain debt capital deals. |
| 70 | Quartz | £2,750,000 | East of England | Application software; Banking; Budgeting and financial management; Data provision and analysis | Quartz develops a personal banking AI that provides tailored financial insights, budgeting assistance, and spending analysis. |
| 71 | Strade Base | £2,730,002 | London | Application software; Distribution and wholesale; Funding platforms; Music; Wealth, asset and investment management | Strade Base develops a music royalties platform that aims to allow direct distribution and fundraising by artists. |
| 72 | Hexopay | £2,710,000 | North East | Application software; Betting and gambling; Payment processing | Hexopay develops software designed to make global payment transactions easier for the gambling and managed risk sectors. |
| 73 | Tracelight | £2,700,000 | London | Application software; Assistants, secretaries and administrative support; Budgeting and financial management; Data provision and analysis; Robots and automation | Tracelight develops an AI assistant plug-in for Microsoft Excel. |
| 74 | Numarqe | £2,698,561 | London | Application software; Budgeting and financial management; Data management; Data provision and analysis | Numarqe provides a platform for companies to manage their corporate credit card spending. |
| 75 | HY10 | £2,692,199 | London | Application software; Banking; Currency exchange; Payment processing | HY10 develops a financial platform for ultra-high-net-worth individuals to manage transactions and access perks. |
| 76 | BOPP | £2,670,550 | London | Application software; Payment processing | BOPP develops payment processing software using blockchain technology. |
| 77 | Intick | £2,627,494 | London | Application software; Data aggregation; Data provision and analysis; Investment banking and corporate finance; Trading platforms; Wealth, asset and investment management | Intick develops a software platform for block trading listed derivatives. |
| 78 | Panta | £2,607,530 | London | Application software; Data provision and analysis; Investment banking and corporate finance; Wealth, asset and investment management | Panta develops a SaaS platform that can be used by investment firms for managing financial indices and investment strategy tools. |
| 79 | Desia | £2,589,169 | London | Application software; Assistants, secretaries and administrative support; Data provision and analysis; Private equity and venture capital; Robots and automation; Wealth, asset and investment management | Desia develops an AI productivity, automation, and analytics platform for financial services, with features that include private and public data search and the ability to generate draft documents. |
| 80 | Jamboo | £2,564,075 | London | Application software; Banking; Budgeting and financial management; Investment banking and corporate finance; Payment processing | Jamboo develops a banking app which aims to offer bank accounts for members of the African diaspora, as well as access to investment opportunities in Africa. |
| 81 | Fyde Treasury | £2,513,677 | East Midlands | Application software; Banking; Currency exchange; Data provision and analysis; Security and surveillance; Trading platforms; Wealth, asset and investment management | Fyde Treasury develops a secure treasury management system for cryptocurrency assets. |
| 82 | Communion | £2,500,000 | London | Application software; Budgeting and financial management; Tutoring, training, coaching and skills development; Wealth, asset and investment management | Communion develops an app which aims to help users build their wealth, providing users with a savings account and offering coaching and tools to encourage behaviour changes. |
| 83 | SSImple | £2,466,855 | London | Application software; Budgeting and financial management; Data provision and analysis; Investment banking and corporate finance; Trading platforms; Wealth, asset and investment management | SSImple operates a software platform for the SSI (Standing Settlement Instruction) process within capital trading. |
| 84 | Revax | £2,464,892 | London | Accountancy and tax; Application software; Assistants, secretaries and administrative support; Data provision and analysis; Robots and automation | Revax develops AI-based software that automates the researching and drafting of client deliverables for tax advisory businesses. |
| 85 | Briefcase | £2,392,499 | London | Accountancy and tax; Application software; Assistants, secretaries and administrative support; Robots and automation | Briefcase develops an automated AI accounting platform. |
| 86 | Terrapin | £2,384,984 | East of Scotland | Application software; Data aggregation; Investment banking and corporate finance | Terrapin develops a platform that can be used to convert debt market documents into processable data. |
| 87 | The Money Platform | £2,354,062 | London | Application software; Banking; Loans, debt and grants | The Money Platform operates a website which offers peer-to-peer lending services, specialising in short-term loans. |
| 88 | Kana Earth | £2,306,530 | North West | Application software; Budgeting and financial management; Data aggregation; Investment banking and corporate finance; Land, water and air management | Kana Earth develops a platform providing information on carbon schemes with a focus on promoting and managing investments. |
| 89 | Riva | £2,281,422 | London | Application software; Banking; Currency exchange; Payment processing | Riva develops payment processing software for cross-border transactions. |
| 90 | Paytia | £2,214,089 | London | Application software; Payment processing; Security and surveillance | Paytia develops Pay729, a telephone payments system that allows customers to pay companies over the phone, without reading out their card details. |
| 91 | TomNext | £2,171,517 | London | Application software; Assistants, secretaries and administrative support; Legal services; Risk and compliance; Wealth, asset and investment management | TomNext develops a platform for use in alternative asset investment that helps with diligence and subscription processes. |
| 92 | Payaca | £2,160,005 | South West | Application software; Loans, debt and grants; Tradespeople and trade services | Payaca develops software designed to help tradespeople and homeowners find financing for home improvements. |
| 93 | BuyMaterials | £2,111,105 | East of Scotland | Application software; Building materials, tools and accessories; Online marketplace | BuyMaterials develops and operates an online marketplace for buying a range of building materials connecting consumers and businesses. |
| 94 | bopay | £2,105,566 | North West | Application software; Credit ratings and scores; Loans, debt and grants; Rewards, loyalty schemes and vouchers | bopay develops a mobile app offering credit line solutions and rewards services. |
| 95 | Native | £2,042,791 | London | Application software; Insurance; Investment banking and corporate finance; Risk and compliance; Security and surveillance; Wealth, asset and investment management | Native operates an insurance brokerage firm, specialising in digital assets and cryptocurrency insurance, as well as developing an online risk transfer platform for brokers. |
| 96 | Doshi | £2,042,081 | London | Application software; Budgeting and financial management; Courses and educational material | Doshi provides a crypto wallet targeted to teenagers and parents. |
| 97 | Confidante | £2,019,982 | North West | Application software; Budgeting and financial management; Investment banking and corporate finance; Property and land assets investment; Property and land assets management; Wealth, asset and investment management | Confidante develops workflow management software for financial planners and wealth managers. |
| 98 | Arctal | £2,000,000 | London | Application software; Energy management and reduction; Investment banking and corporate finance | Arctal provides an AI generated platform designed to integrate climate factors and data in relation to financial products. |
| 99 | CapRelease | £2,000,000 | London | Application software; Data provision and analysis; Funding platforms; Loans, debt and grants; Online retailing | CapRelease develops a funding platform that provides loans and financing agreements to eCommerce businesses. |
| 100 | Ledger Rocket | £2,000,000 | London | Application software | Ledger Rocket develops and provides a core banking ledger and accounting platform for financial services. |
Frequently Asked Questions
How much have Fintech companies raised in total?
The 100 seed-stage Fintech companies analysed have collectively raised £622,301,270.
Which Fintech company has raised the most?
Nevis has raised the most, securing £30,314,247 for its AI platform for wealth management.
What is the average raise for a seed-stage Fintech company?
The average raise for a seed-stage Fintech company in this dataset is £6,223,013.