Radar · Alternative Lending in United Kingdom
Best Alternative Lending Companies in United Kingdom
The 805 best Alternative Lending companies in United Kingdom in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Finastra.
By Riya SenguptaFinancials
805companies tracked
$23Bdisclosed funding
2unicorns
304have raised
Here's the Alternative Lending directory for the United Kingdom, ranking 805 tracked companies by disclosed equity funding and recent funding momentum, with $23.0B in total capital across the field. That's not a rounding error. Abound alone accounts for $1.5B of that pile, with Oakbrook and Carmoola each at $186M and Moniepoint close behind at $166M. Two unicorns have emerged from this cohort, and the most active backers, including Barclays, Techstars, and Global Founders Capital, are still writing checks. The global market sits at roughly $2.4B (2023) and is growing at a 14.4% CAGR, driven by demand from both individual borrowers and businesses locked out of traditional credit.
So what's actually moving capital right now? A lot of the conversation, as one recent industry breakdown frames it, is about whether alternative lenders are threatening banks or quietly complementing them. I'd argue the funding data answers that question. When you see Abound pulling $1.5B and a pipeline of earlier-stage names like 9fin at $37M still attracting institutional attention, this isn't a fringe market displacing incumbents overnight. It's a structurally maturing sector, shaped increasingly by FCA oversight and the practical reality that underserved borrowers need somewhere to go.
Ranked: Best Alternative Lending companies in United Kingdom
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Market signals (1y) | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Finastra Provider of financial software solutions for lending, payments, and universal banking 83Partners top 14%Talent top 17%Innovation top 27%Market top 28% All 13 signals ▾Partnerstop 14% Talenttop 17% Innovationtop 27% Markettop 28% Fundingtop 28% Techtop 29% Newstop 33% Producttop 33% Fin. healthtop 39% AItop 45% Moattop 48% Globalbottom 45% Growthbottom 43% Partners: 6 contract events in 12 mo · Named contractor/client in 6 deals Talent: 5 named leaders on record · 4 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 83/100 | $5.3B | 34 mo ago | 1,890 | 2017 | Kevin Lomax Co-Founder | DrupalApple iCloud MailMicrosoft 365+33 | 31 signals Leadership · New product · Contracts | — |
| 2 | Sonovate Provider of an embedded finance and invoice funding platform | $2.7B | 47 mo ago | 102 102 → 152 (+49%) · sector median +56% | 2013 | Richard Prime Co-Founder & Co-CEO | WordPressZohoSalesforce+32 | — | — |
| 3 | Kensington Mortgages Online platform for residential mortgage loans | $2.6B | 51 mo ago | 609 609 → 997 (+64%) · sector median +56% | 1995 | Mark Arnold CEO | Progress SitefinityApple iCloud MailMicrosoft 365+12 | — | — |
| 4 | Abound Provider of personal loans with flexible repayment options and holistic assessment 64Funding top 23%Growth top 28%Talent top 38%Fin. health top 39% All 8 signals ▾Fundingtop 23% Growthtop 28% Talenttop 38% Fin. healthtop 39% Techtop 40% Marketbottom 42% Globalbottom 39% Moatbottom 38% Funding: Raised $1.5B across 5 rounds · 5 rounds over 3 yrs (1.7/yr) Growth: Web rank 1,000,000 → 500,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 64/100 | $1.5B | 14 mo ago | 10 | 2020 | Michelle He Cfa Co-founder and COO | WebflowVimeoGSAP+21 | — | 1 job opening |
| 5 | Kriya Provider of business payment terms invoice finance and working capital | $515M | 28 mo ago | 130 | 2011 | Anil Stocker Co-Founder & CEO | WebflowApple iCloud MailMicrosoft 365+22 | — | — |
| 6 | Merchant Money Platform offering working capital loans to SMEs. | $420M | 40 mo ago | 22 22 → 41 (+86%) · sector median +56% | 2013 | — | — | — | 1 award |
| 7 | ThinCats Developer of an online marketplace for business loans 42Funding top 22%Tech top 38%Growth top 45%Product top 46% All 9 signals ▾Fundingtop 22% Techtop 38% Growthtop 45% Producttop 46% Moattop 48% Newstop 50% Globalbottom 43% Talentbottom 41% Marketbottom 30% Funding: Raised $361M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) Tech: 28 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 42/100 | $361M | 14 mo ago | 28 | 2010 | John Mould CEO | Apple iCloud MailNode.jsLinkedin Sign-in+21 | 3 signals ▼40% M&A · Leadership | 2 partnerships · 3 awards |
| 8 | TradeBridge Provider of financing solutions to e-commerce businesses 40Funding top 35%Innovation top 38%Talent top 38%Product top 40% All 9 signals ▾Fundingtop 35% Innovationtop 38% Talenttop 38% Producttop 40% Globalbottom 46% Growthbottom 40% Techbottom 40% Marketbottom 34% Newsbottom 18% Funding: Raised $316M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) Innovation: 2 new-product events in 24 mo · 6 product lines rank vs industry peers · Fliar Intelligence Index 40/100 | $316M | 13 mo ago | — | 2013 | Olivier Bonavero Co-Founder | HubSpot CMS HubSalesforcecore-js+14 | — | 1 partnership |
| 9 | ClearScore Online platform offering credit scores, reports, and financial monitoring tools | $294M | 15 mo ago | 193 193 → 481 (+149%) · sector median +56% | 2015 | Dan Cobley Co-Founder | Apple iCloud MailD3Bootstrap+33 | 5 signals ▼44% New product · M&A · IPO | 1 partnership · 2 awards |
| 10 | Lendable 🦄 An online platform for personal loans | $289M | 51 mo ago | 2 | 2014 | Martin Kissinger Co-Founder & CEO | SentryApple iCloud MailGoogle Workspace+18 | — | 1 expansion |
| 11 | Blend Network Developer of P2P marketplace for commercial mortgage loans | $252M | 28 mo ago | 6 | 2016 | Yann Murciano Founder & CEO | RubyChart.jsRuby on Rails+25 | — | 1 award |
| 12 | Fleximize Online platform offering business loan solutions | $189M | 32 mo ago | 2 | 2014 | Peter Tuvey Co-Founder and CEO | Craft CMSPHPYii+25 | — | — |
| 13 | Carmoola App-based marketplace for used car loans 55Funding top 18%Talent top 28%Tech top 29%Customers top 29% All 11 signals ▾Fundingtop 18% Talenttop 28% Techtop 29% Customerstop 29% Moattop 39% Producttop 46% Growthtop 48% Globalbottom 37% Partnersbottom 35% Marketbottom 30% Newsbottom 21% Funding: Raised $186M across 6 rounds · 6 rounds over 4 yrs (1.5/yr) Talent: 4 named leaders on record · 4 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 55/100 | $186M | 11 mo ago | 8 | 2021 | Roman Sumnikov Co-Founder | HubSpot CMS HubApple iCloud MailGoogle Workspace+26 | — | 1 job opening |
| 14 | Oakbrook Online marketplace for personal loans 50Funding top 20%Moat top 31%Tech top 37%Market bottom 48% All 7 signals ▾Fundingtop 20% Moattop 31% Techtop 37% Marketbottom 48% Growthbottom 44% Globalbottom 37% Newsbottom 22% Funding: Raised $186M across 2 rounds · 2 rounds over 4 yrs (0.5/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 50/100 | $186M | 9 mo ago | 114 114 → 114 (+0%) · sector median +56% | 2011 | — | SkolengoApple iCloud MailMicrosoft 365+21 | — | 3 awards |
| 15 | Flagstone Platform providing access to multiple high-interest savings accounts from various banks | $172M | 27 mo ago | 89 | 2013 | Natalie Solis EA to CEO & Founder | SalesforceBootstrapAzure Front Door+20 | 4 signals ▼33% Leadership | 1 partnership |
| 16 | Moniepoint 🦄 Provider of integrated financial services for businesses and individuals 89Customers top 8%Tech top 9%Funding top 21%Market top 25% All 11 signals ▾Customerstop 8% Techtop 9% Fundingtop 21% Markettop 25% Moattop 26% Innovationtop 31% Newstop 31% Producttop 31% Talenttop 38% Growthtop 40% Globalbottom 47% Customers: Play-Store rating 4.65★ across 492,525 ratings (3 apps) Tech: 80 technologies across 7/8 capability areas · Cloud: Cloudflare, Google Cloud rank vs industry peers · Fliar Intelligence Index 89/100 | $166M | 7 mo ago | 1,000 | 2019 | Felix Ike Co-Founder & CTO | Apple iCloud MailGoogle WorkspaceTypeScript+28 | 27 signals Funding · M&A · Hiring | — |
| 17 | Prodigy Finance Provider of credit products for students pursuing advanced academic degrees 57Funding top 23%Tech top 31%Moat top 31%Market top 33% All 11 signals ▾Fundingtop 23% Techtop 31% Moattop 31% Markettop 33% Customerstop 35% Producttop 40% Fin. healthtop 46% Talentbottom 49% Globalbottom 48% Growthbottom 29% Newsbottom 21% Funding: Raised $161M across 13 rounds · 13 rounds over 12 yrs (1.1/yr) Tech: 44 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 57/100 | $161M | 19 mo ago | 168 168 → 167 (-1%) · sector median +56% | 2007 | Cameron Stevens Founder & CEO | SkolengoApple iCloud MailMariaDB+22 | — | — |
| 18 | Updraft Online marketplace for credit card debt refinancing loans | $158M | 29 mo ago | 5 | 2017 | Mat Braddy Co-Founder | WordPressMySQLPHP+31 | — | 3 awards |
| 19 | Wagestream Providerof financial benefits platform for on demand pay | $144M | 26 mo ago | 183 | 2018 | Portman Wills Co-Founder | SentryLeafletVue.js+20 | — | — |
| 20 | Iwoca Provider of an online platform for working capital loans | $139M | 19 mo ago | 315 315 → 597 (+90%) · sector median +56% | 2011 | James Dear Co-founder | Head of Systems & Numbers | WebflowApple iCloud MailGoogle Workspace+22 | — | 2 awards |
| 21 | Liberis Provider of embedded finance solutions for small businesses | $135M | 30 mo ago | 220 | 2007 | Charles Mindenhall Co-Founder | DatoCMSApple iCloud MailMicrosoft 365+26 | 7 signals ▲133% Leadership · New product | — |
| 22 | LendInvest P2P lending platform for mortgage loans | $129M | 21 mo ago | 181 181 → 207 (+14%) · sector median +56% | 2013 | Christian Faes Chairman & Co-Founder | SentryApple iCloud MailGoogle Workspace+27 | 3 signals ▼57% Leadership · Earnings · Announcements | 1 job opening · 1 launch |
| 23 | Uncapped Online platform for revenue-based financing | $119M | 32 mo ago | 4 | 2019 | Asher Ismail Co-Founder | WebflowVimeoBootstrap+27 | — | — |
| 24 | Ebury Provider of global payment solutions, currency risk management, and business lending | $118M | 29 mo ago | 1,057 1,057 → 2,031 (+92%) · sector median +56% | 2009 | Juan Lobato Co-Founder & CEO | WordPressApple iCloud MailGoogle Workspace+30 | 6 signals ▼45% Announcements · Funding · New product | 1 launch · 1 expansion |
| 25 | Colendi Provider of a P2P platform for point-of-sale financing | $98M | 24 mo ago | 111 | 2016 | Mihriban Tekmen Co-Founder | Apple iCloud MailGoogle WorkspaceNode.js+14 | — | 1 award |
| 26 | Bumper Online car repair financing platform 53Funding top 26%Growth top 29%Moat top 29%Tech top 30% All 8 signals ▾Fundingtop 26% Growthtop 29% Moattop 29% Techtop 30% Talenttop 38% Fin. healthbottom 41% Globalbottom 39% Marketbottom 31% Funding: Raised $96.1M across 12 rounds · 12 rounds over 9 yrs (1.3/yr) Growth: Headcount 23 → 38 (+65%) across vintages · 1 acquisition/expansion move in 24 mo rank vs industry peers · Fliar Intelligence Index 53/100 | $96M | 6 mo ago | 38 | 2013 | James Jackson Co-Founder & CEO | StoryblokApple iCloud MailMicrosoft 365+26 | — | 1 partnership |
| 27 | Perenna Provider of home financial services | $92M | 28 mo ago | 70 | 2006 | Hamish Peacocke Co-Founder | WordPressMySQLPHP+24 | — | — |
| 28 | Habito Online mortgage broker | $90M | 36 mo ago | 135 135 → 152 (+13%) · sector median +56% | 2015 | — | SentryEnvoyReact+17 | — | — |
| 29 | Lenkie Provider of working capital loans for platform-based businesses | $62M | 15 mo ago | 2 | 2020 | Sanjeev Jeyakumar Co-Founder & CEO | — | — | — |
| 30 | Love Finance An online lender providing business loans | $60M | 8 mo ago | — | 2015 | — | WebflowBootstrapMicrosoft Advertising+19 | — | — |
| 31 | Hokodo Developer of API for invoicing platforms and marketplaces 67Funding top 26%Talent top 28%Moat top 31%Tech top 32% All 9 signals ▾Fundingtop 26% Talenttop 28% Moattop 31% Techtop 32% Growthtop 45% Markettop 47% Producttop 49% Globalbottom 46% Newsbottom 21% Funding: Raised $54.7M across 8 rounds · 8 rounds over 8 yrs (1.0/yr) Talent: Analyst team rating 5/5 · 2 named leaders on record rank vs industry peers · Fliar Intelligence Index 67/100 | $55M | 13 mo ago | 107 | 2018 | Richard Thornton Co-Founder & Co-CEO | Webflowcore-jsjQuery+16 | — | — |
| 32 | Promarine Finance Provider of marine mortgages and boat financing solutions | $39M | 14 mo ago | — | 1991 | — | WordPressPleskMySQL+28 | — | — |
| 33 | 9fin Provider of an AI-native platform for debt market data and intelligence 80Growth top 27%Funding top 30%Tech top 30%Innovation top 33% All 12 signals ▾Growthtop 27% Fundingtop 30% Techtop 30% Innovationtop 33% Fin. healthtop 33% AItop 35% Producttop 36% Newstop 37% Talenttop 38% Moattop 39% Marketbottom 49% Globalbottom 39% Growth: Headcount 57 → 120 (+111%) across vintages · Revenue +72% YoY Funding: Raised $37.0M across 5 rounds · 5 rounds over 9 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 80/100 | $37M | 2 mo ago | 120 | 2016 | Hussam EL-Sheikh Co-Founder & CTO | SanitySentryNode.js+34 | 9 signals ▼25% Funding · Capital raise | — |
| 34 | Ayan Capital Provider of shariah-compliant car finance solutions | $36M | 14 mo ago | — | 2023 | Zarrina Rajabova Co-Founder & CIO | WebflowVimeocore-js+17 | — | 1 job opening · 1 award |
| 35 | Onsi On-demand pay and rewards management platform | $23M | 18 mo ago | 67 | 2019 | Benjamin Hay Co-Founder | Framer SitesApple iCloud MailGoogle Workspace+15 | — | — |
| 36 | Tembo Money Online marketplace for residential mortgage loans 62Tech top 27%Talent top 28%Funding top 33%Growth top 37% All 9 signals ▾Techtop 27% Talenttop 28% Fundingtop 33% Growthtop 37% Producttop 40% Moattop 42% Fin. healthtop 44% Marketbottom 39% Globalbottom 39% Tech: 55 technologies across 5/8 capability areas · Cloud: Cloudflare, Vercel Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 62/100 | $14M | 4 mo ago | 17 | 2017 | Geoff Wright Co-Founder & CTO | SentryNode.jsNextAuth.js+30 | — | 1 award |
| 37 | Leanpay Provider of installment payment solutions for businesses | $14M | 22 mo ago | 82 | 2016 | Misa Zivic Co-Founder & CEO | Node.jsVue.jsNuxt.js+11 | — | 1 award |
| 38 | Triver AI-enabled marketplace offering working capital loans for businesses | $12M | 8 mo ago | 10 | 2022 | Jerome Le Luel Founder and CEO | WordPressApple iCloud MailGoogle Workspace+29 | 7 signals Funding · Capital raise | 1 job opening · 2 launchs |
| 39 | SAPI Lending as a service platform for business financing 40Talent top 38%Funding top 40%Growth top 45%Moat top 48% All 7 signals ▾Talenttop 38% Fundingtop 40% Growthtop 45% Moattop 48% Techbottom 43% Marketbottom 40% Globalbottom 36% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Funding: Raised $9.6M across 3 rounds · 3 rounds over 2 yrs (1.5/yr) rank vs industry peers · Fliar Intelligence Index 40/100 | $10M | 6 mo ago | 50 | 2019 | Alexis Lennep Co-Founder | WordPressMySQLPHP+26 | — | — |
| 40 | Funeral Safe Online platform for funeral loans | $9M | 18 mo ago | 11 11 → 7 (-36%) · sector median +56% | 2016 | Robin Hyde-Chambers CEO | PHPBootstrapApache HTTP Server+16 | — | — |
| 41 | Zeti Developer of an online lending platform connecting electric vehicle fleet operators with institutional lenders 8Funding top 45%Global bottom 37%Market bottom 21%News bottom 18% All 4 signals ▾Fundingtop 45% Globalbottom 37% Marketbottom 21% Newsbottom 18% Funding: Raised $8.8M across 2 rounds · 2 rounds over 4 yrs (0.5/yr) Global: Investors from 1 country beyond United Kingdom rank vs industry peers · Fliar Intelligence Index 8/100 | $9M | 23 mo ago | 6 | 2020 | — | — | — | 1 partnership |
| 42 | Aslan Digital lending platform offering on-demand pay | $8M | 18 mo ago | — | 2022 | James Gozney Founder & CEO | WordPressMySQLPHP+21 | — | 1 launch |
| 43 | Xelix Developer of an AI-powered platform for accounts payable automation software | $7M | 10 mo ago | 23 | 2016 | — | Apple iCloud MailMicrosoft 365Ruby+20 | 5 signals Funding · Capital raise | 1 partnership · 1 award |
| 44 | FinLegal Online platform for litigation financing | $6M | 22 mo ago | 21 21 → 38 (+81%) · sector median +56% | 2017 | Steve Shinn Founder | Cart FunctionalitySquarespace CommerceSquarespace+30 | — | — |
| 45 | Connected Data Company Provider of data-driven debt optimisation services | $4M | 20 mo ago | 4 | 2020 | — | — | — | — |
| 46 | PayDay Takaful Provider of employee financial benefits and wellbeing solutions | $3M | 8 mo ago | — | 2022 | Manar Abbas Co-Founder | — | — | — |
| 47 | Sprive Provider of an app-based debt repayment solution | $2M | 13 mo ago | 3 | 2019 | Saad Hashim Co-Founder & COO | WebflowBootstrapTikTok Pixel+26 | — | — |
| 48 | Liquify Provider of an invoice financing marketplace connecting SMEs | $2M | 11 mo ago | — | 2022 | Alberta Asamoah Co-Founder & CCO | — | — | — |
| 49 | Ontik Provider of a digital trade credit platform for trade merchants | $1M | 12 mo ago | 6 | 2022 | John Smith Co-Founder | Microsoft ASP.NETReact Routerstyled-components+10 | — | — |
| 50 | Sencillo Provider of a platform for planning and managing education fee payments | $461K | 7 mo ago | — | 2025 | Matthew Powell Co-Founder & CFO | — | — | 1 launch · 1 partnership |
Top 12 Alternative Lending companies in United Kingdom
#1
Series C · London, England · founded 2016 · 120 employees$37Mraised▾
Series C · London, England · founded 2016 · 120 employees
Provider of an AI-native platform for debt market data and intelligence. It offers real-time debt market monitoring, comprehensive data, and artificial intelligence tools. The platform delivers insights across public, private, and distressed credit markets. It provides data, intelligence, and AI tools for deal origination, credit investing, and transaction advising.
Fliar Intelligence Index™ 80how this company ranks against its industry peers
Growth
top 27%Funding
top 30%Tech
top 30%Innovation
top 33%Fin. health
top 33%AI
top 35%Growth: Headcount 57 → 120 (+111%) across vintages · Revenue +72% YoY · Web rank 5,000,000 → 1,000,000 YoY
Funding: Raised $37.0M across 5 rounds · 5 rounds over 9 yrs (0.6/yr) · Last round Series C (Mar 2026)
Tech: 41 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon Web Services · Devops: Nginx
Audience (LinkedIn): 39k LinkedIn followers — 4.2% of this cohort's audience
Funding rounds
- Mar 2026Series C$170M
- Dec 2024Series B$50M
- Dec 2022Series A$23M
- Oct 2021Series A$10.9M
Founders & team
Investors
Seedcamp, 500 Global, AI Seed, Redalpine, Fly Ventures, Ilavska Vuillermoz Capital
Tech stack
Amazon CloudfrontAmazon Web ServicesAmplitudeAws Certificate ManagerCloudflareCloudflare Bot Management
#2
Series B · London, England · founded 2013 · 38 employees$96.1Mraised▾
Series B · London, England · founded 2013 · 38 employees
Online car repair financing platform. It is a payment platform that allows users to split the cost of car repairs and servicing into monthly installments. It provides users with information and data on vehicles for buying, selling, or maintaining purposes.
Fliar Intelligence Index™ 53how this company ranks against its industry peers
Funding
top 26%Growth
top 29%Moat
top 29%Tech
top 30%Talent
top 38%Fin. health
bottom 41%Funding: Raised $96.1M across 12 rounds · 12 rounds over 9 yrs (1.3/yr) · Last round Conventional Debt (Dec 2025)
Growth: Headcount 23 → 38 (+65%) across vintages · 1 acquisition/expansion move in 24 mo · Fresh capital in last 24 mo
Moat: Editorial + unicorn rating 7/10 · 1 curated direct competitors tracked
Audience (LinkedIn): 13k LinkedIn followers
Activity (LinkedIn): 1 partnerships (incl. Runford Motor Group) announced in 12 mo
Funding rounds
- Dec 2025Conventional Debt$80.2M
- Aug 2025Series B$11M
- Dec 2024Series B$2.6M
- Apr 2024Series B$2.5M
Founders & team
Investors
Suzuki Global Ventures, Marubeni Ventures, Naviter Capital, Autotech Ventures, Shell, InMotion Ventures
Tech stack
Amazon Web ServicesAnimate.CssApple Icloud MailBootstrapCloudflareCloudflare Bot Management
#3
Series B · London, England · founded 2020 · 10 employees$1.5Braised▾
Series B · London, England · founded 2020 · 10 employees
Provider of personal loans with flexible repayment options and holistic assessment. They offer individuals access to financing based on a comprehensive evaluation of their financial situation. This includes income, spending habits, and existing credit commitments. The aim is to provide affordable lending solutions tailored to individual needs.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Funding
top 23%Growth
top 28%Talent
top 38%Fin. health
top 39%Tech
top 40%Market
bottom 42%Funding: Raised $1.5B across 5 rounds · 5 rounds over 3 yrs (1.7/yr) · Last round Conventional Debt (Mar 2025)
Growth: Web rank 1,000,000 → 500,000 YoY · Fresh capital in last 24 mo
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Audience (LinkedIn): 9k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Data Scientist, Software Engineer
Funding rounds
- Mar 2025Conventional Debt$322.6M
- May 2024Series B$1B
- May 2024Conventional Debt—
- Oct 2023Series A$242.9K
Founders & team
Investors
Citi, GSR Ventures, Salica Investments, K3, Waterfall, Deutsche Bank
Tech stack
CdnjsCloudflareCloudflare Bot ManagementCloudflare TurnstileCookieyesCore-Js
#4
Series C · London, England · founded 2019 · 1000 employees$165.5Mraised▾
Series C · London, England · founded 2019 · 1000 employees
Provider of integrated financial services for businesses and individuals. It offers a comprehensive platform encompassing payments processing, banking solutions, credit facilities, and business management tools. These services are designed to streamline financial operations and facilitate growth for its clientele. The platform aims to provide seamless access to essential financial resources.
Fliar Intelligence Index™ 89how this company ranks against its industry peers
Customers
top 8%Tech
top 9%Funding
top 21%Market
top 25%Moat
top 26%Innovation
top 31%Customers: Play-Store rating 4.65★ across 492,525 ratings (3 apps)
Tech: 80 technologies across 7/8 capability areas · Cloud: Cloudflare, Google Cloud · Devops: Envoy
Funding: Raised $166M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) · Last round Series C (Oct 2025)
Audience (LinkedIn): 229k LinkedIn followers — 24.7% of this cohort's audience
Funding rounds
- Oct 2025Series C$90M
- Jan 2025Series C—
- Oct 2024Series C$110M
- Aug 2022Series B$50M
Founders & team
Investors
Novastar Ventures, Global Ventures, Oui Capital, Soma Capital, FMO, Kepple Africa Ventures
Tech stack
AngularAnimate.CssAnt DesignApolloApple Icloud MailBootstrap
#5
Series D · Nottingham, England · founded 2011 · 114 employees$185.8Mraised▾
Series D · Nottingham, England · founded 2011 · 114 employees
Online marketplace for personal loans. It offers a platform connecting consumers with lenders for personal loans with customized terms, amounts, and repayment options. Its products include Oakbrook and likely loans. Users must add the required details and apply for the loans. Once approved, the funds are transferred to the registered bank account.
Fliar Intelligence Index™ 50how this company ranks against its industry peers
Funding
top 20%Moat
top 31%Tech
top 37%Market
bottom 48%Growth
bottom 44%Global
bottom 37%Funding: Raised $186M across 2 rounds · 2 rounds over 4 yrs (0.5/yr) · Last round Conventional Debt (Sep 2025)
Moat: Editorial + unicorn rating 8/10 · Soonicorn · 9 curated direct competitors tracked
Tech: 32 technologies across 6/8 capability areas · Cloud: Cloudflare · Devops: Envoy, Nginx
Audience (LinkedIn): 8k LinkedIn followers
Activity (LinkedIn): 3 awards announced in 12 mo
Funding rounds
- Sep 2025Conventional Debt$174.3M
- Mar 2022Series D$185.8M
Investors
Atalaya Capital Management, J P Morgan, AB CarVal, NatWest, Blenheim Chalcot
Tech stack
Apache TomcatApple Icloud MailCivicCloudflareCloudflare Bot ManagementCore-Js
#6
Series B · London, England · founded 2021 · 8 employees$185.9Mraised▾
Series B · London, England · founded 2021 · 8 employees
App-based marketplace for used car loans. It provides users with a platform that directs users to a car dealership or digital car marketplaces to buy a new car with finance and provides a suitable finance payment plan. The application is available for iOS devices.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Funding
top 18%Talent
top 28%Tech
top 29%Customers
top 29%Moat
top 39%Product
top 46%Funding: Raised $186M across 6 rounds · 6 rounds over 4 yrs (1.5/yr) · Last round Conventional Debt (Jun 2025)
Talent: 4 named leaders on record · 4 C-suite/founder profiles curated
Tech: 39 technologies across 6/8 capability areas · Cloud: Amazon Web Services, Cloudflare · Devops: Nginx
Audience (LinkedIn): 10k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Head of Growth Marketing
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Jun 2025Conventional Debt$407.9M
- Sep 2024Conventional Debt$133.7M
- Jan 2024Series B$19.7M
- Feb 2023Conventional Debt$114.7M
Founders & team
Investors
NatWest, Blenheim Chalcot, InMotion Ventures, Venture Friends, Clocktower Ventures, Jaguar Land Rover
Tech stack
Amazon Web ServicesApple Icloud MailBootstrapBranchCdnjsCloudflare
#7
Series C · London, England · founded 2017 · 17 employees$14.1Mraised▾
Series C · London, England · founded 2017 · 17 employees
Online marketplace for residential mortgage loans. It enables first-time mortgage buyers to increase the deposits by sharing mortgage across two properties. It also enables family members to pay off the loan interest. It also provides a comparison platform for residential mortgage brokers.
Fliar Intelligence Index™ 62how this company ranks against its industry peers
Tech
top 27%Talent
top 28%Funding
top 33%Growth
top 37%Product
top 40%Moat
top 42%Tech: 55 technologies across 5/8 capability areas · Cloud: Cloudflare, Vercel · Observability: Fullstory, Sentry
Talent: 3 named leaders on record · 3 C-suite/founder profiles curated
Funding: Raised $14.1M across 5 rounds · 5 rounds over 7 yrs (0.7/yr) · Last round Series C (Feb 2026)
Audience (LinkedIn): 13k LinkedIn followers
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Feb 2026Series C$21.9M
- Nov 2024Series B$17.7M
- Apr 2023Series A$6.2M
- Aug 2021Series A$3.5M
Founders & team
Investors
Love Ventures, Aviva, Ascension, McPike Family Office, Goodwater Capital, Aviva India
Tech stack
AhoyApple Icloud MailBootstrapCdnjsChakra UiCloudflare
#8
Funding Raised · London, England · founded 2013$316.1Mraised▾
Funding Raised · London, England · founded 2013
Provider of financing solutions to e-commerce businesses. The solutions provided are cash financing for different business operations, real-time trading data to assess the performance of the business, funding, and more. It claims to help businesses in freeing up their cash payables to invest in growth opportunities, in supplier management by providing flexible payment terms and helping in improving stock margins. It caters to sectors like e-commerce, corporate, and healthcare.
Fliar Intelligence Index™ 40how this company ranks against its industry peers
Funding
top 35%Innovation
top 38%Talent
top 38%Product
top 40%Global
bottom 46%Growth
bottom 40%Funding: Raised $316M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) · Last round Conventional Debt (Apr 2025)
Innovation: 2 new-product events in 24 mo · 6 product lines
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Audience (LinkedIn): 2k LinkedIn followers
Activity (LinkedIn): 1 partnerships (incl. NPA - National Pharmacy Association) announced in 12 mo
Funding rounds
- Apr 2025Conventional Debt$93.9M
- Mar 2023Conventional Debt$122.3M
- Nov 2021Conventional Debt$100M
Founders & team
Investors
Castlelake, UBS
Tech stack
AosCloudflareCloudflare Bot ManagementCore-JsGoogle AnalyticsHotjar
#9
Acquired · Tamworth, England · founded 2010 · 28 employees$361Mraised▾
Acquired · Tamworth, England · founded 2010 · 28 employees
Developer of an online marketplace for business loans. It offers loans including working capital loans, acquisition loans, growth finance loans, refinance loans, and asset purchase loans. It features PRISM data models for an indication of credit appetite. It provides loans on the basis of credit scores and turnovers.
Fliar Intelligence Index™ 42how this company ranks against its industry peers
Funding
top 22%Tech
top 38%Growth
top 45%Product
top 46%Moat
top 48%News
top 50%Funding: Raised $361M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) · Last round PE (Mar 2025)
Tech: 28 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services · Devops: Nginx
Growth: Headcount 24 → 28 (+17%) across vintages · 1 acquisition/expansion move in 24 mo · Fresh capital in last 24 mo
Audience (LinkedIn): 20k LinkedIn followers — 2.1% of this cohort's audience
Activity (LinkedIn): 2 partnerships · 3 awards (incl. ThinCats) announced in 12 mo
Funding rounds
- Mar 2025PE—
- Jan 2024Series D—
- Sep 2023Conventional Debt$856M
- Oct 2022Series D—
Founders & team
Investors
Citi, Barclays, British Business Investments, Palatine Private Equity, Quilam Capital, Wafra Capital Partners
Tech stack
Amazon SesAmazon Web ServicesApple Icloud MailCloudflareCloudflare Bot ManagementCookiebot
#10
Funding Raised · Birmingham, England · founded 2015$60.5Mraised▾
Funding Raised · Birmingham, England · founded 2015
An online lender providing business loans. It offers business loans with an automated application process. The platform provides solutions to small and medium-sized businesses.
LinkedIn Pulse recent public activity · Jul 2026
Audience: 10k LinkedIn followers
Hiring: 3 hiring posts in 12 mo (public) · momentum -3 · hiring: SEO / AEO Executive, Sales Development Representative
Funding rounds
- Oct 2025Conventional Debt$60.5M
Investors
Paragon Bank, LGB & Co
Tech stack
Hubspot Cms HubBootstrapHubspotTrustpilotJqueryGoogle Tag Manager
#11
Acquired · London, England · founded 2015 · 193 employees$294.4Mraised▾
Acquired · London, England · founded 2015 · 193 employees
Online platform offering credit scores, reports, and financial monitoring tools. It provides access to credit scores and reports to the consumer. The credit score and reports are extracted from Equifax. The company generates revenue from the commission after a consumer buys a financial product suggested by the company and is offered by a partner.
LinkedIn Pulse recent public activity · Jul 2026
Audience: 52k LinkedIn followers — 5.6% of this cohort's audience
Activity: 1 partnerships · 2 awards (incl. Stream) announced in 12 mo
Funding rounds
- Feb 2025Conventional Debt$37.9M
- Jun 2021Series D$278.8M
- Jul 2015Series A$15.6M
Founders & team
Investors
Invus, QED Investors, Blenheim Chalcot, Lead Edge Capital, Brightbridge Ventures, HSBC Innovation Banking
Tech stack
AhrefsAmazon CloudfrontAmazon SesAmazon Web ServicesAngularjsApple Icloud Mail
#12
Series B · London, England · founded 2018 · 107 employees$54.7Mraised▾
Series B · London, England · founded 2018 · 107 employees
Developer of API for invoicing platforms and marketplaces. It provides customer-centric insurance and financing solutions to e-invoicing platforms, marketplaces, and cloud accounting platforms. It offers invoice protection for transactional risk management and secure freight to protect customer interests in transit.
Fliar Intelligence Index™ 67how this company ranks against its industry peers
Funding
top 26%Talent
top 28%Moat
top 31%Tech
top 32%Growth
top 45%Market
top 47%Funding: Raised $54.7M across 8 rounds · 8 rounds over 8 yrs (1.0/yr) · Last round Series B (Apr 2025)
Talent: Analyst team rating 5/5 · 2 named leaders on record · 2 C-suite/founder profiles curated
Moat: Editorial + unicorn rating 8/10 · Soonicorn · 9 curated direct competitors tracked
Audience (LinkedIn): 10k LinkedIn followers
Activity (LinkedIn): 2 partnerships (incl. Hokodo) announced in 12 mo
Funding rounds
- Apr 2025Series B$11.4M
- Apr 2024Conventional Debt$108.4M
- Apr 2023Series B—
- Apr 2022Series B$40M
Founders & team
Investors
Mosaic Ventures, Notion, Anthemis Group, Citi, Viola Group, EIC Fund
Tech stack
Cart FunctionalityCdnjsCloudflareCloudflare Bot ManagementCore-JsFacebook Pixel
Funding & investor landscape
$23Btotal disclosed funding
262companies funded
758disclosed rounds
1rounds last 90 days
Most active investors
Techstars13 rounds
Notable founders
Hussam EL-Sheikh
Co-Founder & CTO · 9fin
Steven Hunter
Co-Founder & CEO · 9fin
James Jackson
Co-Founder & CEO · Bumper
Jack Allman
Co-Founder · Bumper
Michelle He Cfa
Co-founder and COO · Abound
Gerald Chappell
Co-Founder & CEO · Abound
Felix Ike
Co-Founder & CTO · Moniepoint
Tosin Eniolorunda
Co-Founder & CEO · Moniepoint
Roman Sumnikov
Co-Founder · Carmoola
Igor Gordiichuk
Co-Founder and Chief Technology Officer · Carmoola
Geoff Wright
Co-Founder & CTO · Tembo Money
Eddie Ross
Co-Founder & CPO · Tembo Money
Prism market signals · United Kingdom · country-scoped Prism corpus, 1,987,464 docs
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
How many Alternative Lending companies are there in United Kingdom?
Radar tracks 805 indexable Alternative Lending companies headquartered in United Kingdom that meet our profile-completeness bar.
What is the total funding raised by Alternative Lending companies in United Kingdom?
The Alternative Lending companies in United Kingdom on this list have raised a combined $23B in disclosed equity funding across 262 funded companies.
Which is the highest-funded Alternative Lending company in United Kingdom?
Finastra is the highest-funded Alternative Lending company in United Kingdom, with $5.3B in disclosed equity funding.
How many Alternative Lending companies in United Kingdom are funded?
262 of the 805 Alternative Lending companies in United Kingdom on this list have disclosed at least one equity funding round.
How many Alternative Lending unicorns are there in United Kingdom?
2 Alternative Lending companies in United Kingdom on this list are valued at $1B or more.
Who are the top investors in United Kingdom Alternative Lending companies?
The most active investors in United Kingdom Alternative Lending companies on this list include Barclays, Techstars, Ascension, Global Founders Capital, Seedcamp.
Riya SenguptaFinancials
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.