Calastone is an independent, cross-border transaction network for the mutual fund industry. The company is the largest global funds transaction network, connecting many of the world’s leading financial organisations.

Their mission is to make funds accessible to everyone by reducing the frictional cost of trading. They use smart technology solutions and industry collaboration to lower operational risk and enhance client profitability through digitisation and automation.

Over 1,700 customers in 40 countries and territories benefit from Calastone’s services, processing over 9 million messages and £170 billion of transactions each month.

Crowdcube is one of the UK’s most successful investment crowdfunding platforms, having raised more than £50m for over 180 businesses from a 125,000-strong crowd of registered investors. 2014 saw the successful launch of Crowdcube Mini-Bonds and the Crowdcube Venture Fund, Crowdcube is the only crowdfunding platform and the largest partner to be appointed to the Government-backed London Co-Investment Fund.

Currencycloud acts for businesses to provide cheaper, more streamlined FX and cross-border payments services. Founded in 2012, processes in the business processes in excess of $10B in payments every year, across more than 40 currencies in 212 countries. The firm has on-boarded around 250 cents, including brokers, tier-2 banks, payment service providers and marketplace operators.

DueDil aggregates public data on companies from a variety of databases, then uses it to create new metrics to indicate how solvent or successful the business is. It is the largest source of free private company information in the UK and Ireland. DueDil data powered the new Investec Mid-market Index of 24,000 mid-sized UK companies.

eToro created the first global market place for people to trade currencies, commodities, indices and CFD stocks online and today has over 4.5 million users in more than 170 countries. In February, eToro signed a joint venture agreement with SBerbank to provide its social trading services to Russian investors.

With a name derived from the Latin word for trust, Fidor has been re-imagining banking since 2009. In Germany, the online bank has around 100,000 clients and more than 300,000 community members who actively participate in the bank’s decision-making processes – a strategy that underpins Fidor’s innovative platform. In September 2015, Celent’s “Model Bank of the Year” launched in the UK. It also announced a current account that is free to open and run and made a contactless debit card available for the first time in 2016. Fidor's online platform includes virtual currencies trading, social media banking, Facebook and Twitter payments. Available initially in Germany, Fidor has expanded into the US, UK and Russia. 2014 also saw the company integrate with the Ripple payment network (Ripple is the open-source payments protocol for free and instant exchange of any form of money or value).

Funding Circle has a simple proposition: companies get funding at better rates, while savers get a higher return on their cash than if they left it in the bank. Since it was founded in 2010, Funding Circle has lent more than £5bn to 50,000 small businesses, with funds collected from more than 80,000 investors. The company has raised $422 million of equity capital from some of the most sophisticated investors in the world. In September 2018, Funding Circle debuted on the London Stock Exchange: (Lon:FCH).

Founded in 2011, GoCardless targets companies that need to offer their increasingly international customers the ability to pay by Direct Debit. The GoCardless mission is to help businesses take and settle recurring payments from anywhere, to anywhere, in any currency.

A Series D funding round of $22.5M raised in September 2017 is designed to enable GoCardless to expand further, with support for more countries, including Australia and Denmark.

Founder and CEO Hiroki Takeuchi says, “As more and more businesses become international, they face endless frustrations in managing payments across multiple territories. What we have engineered is a way to simply plug recurring payments into their existing systems, across the world, so they can focus on the challenges that really matter.”

GoCardless processes over $4bn worth of transactions across more than 30,000 organisations in the U.K. and Europe, working with small startups and large enterprises across a number of industries. It offers an API and off the shelf integrations with over 100 partners including Xero, Sage and Zuora. Customers include Sage, Thomas Cook, Box and The Guardian.

Holvi replaces traditional bank accounts with a Pan-European alternative, unlike traditional banks that are tied to a single country. Holvi completely replaces bank accounts with a service that offers a smart checking account. Full bank payments can be made, both in and out, and all accounts have International Bank Account Numbers (IBAN) that enable seamless banking across Europe. The company has customers in 8 European countries.

iwoca is one of Europe’s fastest growing credit providers, offering short-term credit facilities of up to £100,000. Businesses sign up online, passing their trading data through integrations with high-street banks, ecommerce platforms, and more. Iwoca’s proprietary risk model allows us to make fair, fast and flexible decisions, cutting underwriting costs by 90% whilst increasing approval rates and offering a simpler customer experience. To date Iwoca has issued over £70M to businesses across the UK, Germany, Spain and Poland and is opening our “credit-as-a-service” platform to strategic partners such as Alibaba, allowing them to finance their customers directly.

Ixaris offer a range of co-branded payment applications that enable enterprises and financial institutions to capitalise on the growing market for prepaid payment solutions. Its payment applications provide access to electronic payments for consumers unwilling or unable to access credit card services.

Following a €60m funding in 2015, Swedish Mpos vendor iZettle announced its move into small business financing by providing SMEs with an advance based on future card sales. IZettle was acquired by PayPal in May 2018 for £2.2Bn in a move intended to help accelerate growth and deliver a seamless commerce experience for PayPal’s merchants. PayPal and iZettle brands and operations will be held separately, pending completion of a review. by the UK Competition and Markets Authority.

Klarna (its name means clear) was founded in Stockholm in 2005 with the idea to simplify buying. Klarna is now one of Europe’s largest banks and provides payment solutions for 60 million consumers across 90,000 merchants in 14 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.

MarketInvoice is the world's largest peer-to-peer invoice finance platform. Launched in 2011, based in London and Manchester, MarketInvoice has funded over 70,000 invoices worth £1.3B to thousands of UK businesses (at 1st June 2017). In March 2017, the business appointed Zopa founder Giles Andrews as Chairman and announced its intent tomove into the factoring business, providing larger firms with a credit line against their order pipeline. In May 2017, MarketInvoice announced an agreement with Banco BNI Europa (BNI), which will now provide £45M in funding annually on the marketplace to fund working capital for MarketInvoice customers.

Nutmeg launched the UK’s first online discretionary wealth manager in 2011. Specializing in investments, ISAs and pensions, Nutmeg's online investment management service is intelligent, straightforward and fair. It is the first wealth manager with a 6 year performance track record in the UK. With $1.5 billion in assets under management, Nutmeg has become a scale wealthech player. In February, it secured a Series E investment from Goldman Sachs ($58M) to fuel global expansion.

Seedrs is the leading online equity investment platform in the UK, allowing all types of investors to invest as little or as much as they like in businesses they believe in, often alongside venture capital funds and other professional investors, at the same terms, and share in their success. Seedrs also allows ambitious growth-focused businesses in all sectors to raise capital and build community through an efficient, online process. Seedrs has had over £530 million invested into campaigns on the platform and funded over 750 deals. The company is headquartered in London with offices in Lisbon, Amsterdam, and Berlin. The business is backed by star fund manager Neil Woodford, Augmentum Fintech, Faber Ventures and over 2,000 of its own customers. Seedrs is authorised by the UK FCA. It was the first equity crowdfunding platform in the world to gain regulatory approval.

TransferWise is a money transfer service allowing private individuals & businesses to send money abroad without hidden charges. One of the original FinTech revolutionaries, TransferWise continues to innovate, opening up services to China and forging a partnership with Germany’s Number26. TransferWise now serves 4 million customers now and moves more than $4 billion dollars every month. (Saving customers $4 million in bank fees every day.). Richard Branson, and PayPal founders Max Levchin and Peter Thiel, among others, are investors.

TransferWise has opened 11 offices, with over 1,300 employees, across 4 continents.

Funding raised in June 2019 make TransferWise Europe’s most highly valued FinTech.

The first UK lender of its kind, and the pioneer of the peer-to-peer industry, Zopa launched in 2004 with the idea of creating the ‘e-bay for money’. To date, the P2P pioneer’s total lending exceeds £1.3bn, with £530m lent in 2015 alone, double the total of 2014.

Zopa has lent $3.6m to UK borrowers, lending $996m in the past year. It has over 60,000 active individual investors (average amount lent: £13,000) and over 311,000 borrowers, borrowing on average £7,700. Zopa is one of the three initial members of the UK's Peer-to-Peer Finance Association, together with FundingCircle and RateSetter.