Best FinTech Companies in Birmingham, United Kingdom
The 56 best FinTech companies in Birmingham, United Kingdom in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Love Finance.
Biggest earners Jcb ($7.4B, -11% YoY), Marex ($2.0B, +11% YoY), Plus500 Ltd. ($792M, +3% YoY), Capital Limited ($346M, -1% YoY)
Our analysis of 55 FinTech companies
$15.5b in tracked funding; 100% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Birmingham
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Love Finance An online lender providing business loans | $60M | 9 mo ago | Funding Raised | — | 2015 | WebflowBootstrapMicrosoft Advertising+19 | — |
| 2 | Obillex Supply chain finance | $5M | 125 mo ago | Seed | — | 2010 | — | — |
| 3 | Droplet HQ Mobile money applications | $4M | 124 mo ago | Deadpooled | Andy Smart Co-Founder | 2011 | — | — |
| 4 | Swoopos Cloud-based EPOS system for hospitality and retail businesses | $3M | 93 mo ago | Seed | — | 2015 | BootstrapGSAPPhusion Passenger+17 | — |
| 5 | Synapse Information Cloud-based corporate performance management software provider. | $2M | 98 mo ago | Series A | — | 2012 | — | — |
| 6 | Rent Chief Cloud & AI driven portfolio management solutions for real estate investors | $325K | 72 mo ago | Deadpooled | Patrick Shuker Founder & CEO | 2018 | — | — |
| 7 | KrillPay Provider of digital wallet services for cross-border and domestic money transfers | — | 4 mo ago | Seed | Bassey Obot Co-Founder & CIO | 2022 | — | 1 launch |
| 8 | ACTAtek Web-based,Biometric,RFID Smartcard Platform for Enterprise | — | — | Unfunded | Thomas Wan CEO | 2003 | WordPressMySQLPHP+16 | 4 launchs |
Top 7 FinTech companies in Birmingham
#1
Funding Raised · Birmingham, England · founded 2015$60.5Mraised▾
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.
- Oct 2025Conventional Debt$60.5M
#2
Deadpooled · Birmingham, England · founded 2011 · 21 employees$3.7Mraised▾
Droplet offers a smartphone mobile wallet application that enables users to load money into it and use it for retail payments without any transaction cost for the consumer or merchant. Both the users involved need to have the mobile application post which money which is loaded into the app's wallet can be transferred via an email address linked to the app. The app also shows the user all the merchants who have partnered and are located nearby through an app interface. Other features include reviewing transaction history made on the app, loyalty programs by merchants through the app along with a backend platform for merchants to get customer insights based on their purchase activity. It makes a very small amount of money in interest from these deposited funds in the prepaid wallet on the app.
- Feb 2016Seed$640K
- May 2015Seed$886K
- Apr 2015Seed$825K
- Apr 2014Angel$1M
#3
Seed · Birmingham, England · founded 2010 · 4 employees$5.4Mraised▾
Obillex is a B2C Marketplace for supply chain finance which connects non-bank investors and SMEs. The suppliers are financed based on the credit rating of their customers. Suppliers get their invoices discounted with Oblliex. Funding for early-payment comes from a 3rd party Investor. Instructions for all payments are sent to a government-regulated Independent Paying Agent (IPA), who handles all payments. Buyer pays the Investor, via the IPA, on the date that the invoice was originally due.
- Jan 2016Seed$715.6K
- Nov 2014Seed$4.7M
#4
Series A · Birmingham, England · founded 2012 · 22 employees$2.5Mraised▾
Synapse software is a cloud-based corporate performance management software provider. One of its main products is Cloud CFO, which enables the integration of financial data from multiple entities to create a unified, consolidated set of management or statutory accounts for group finance. Cloud CFO then automates the entire budgeting and forecasting process. Another product is the NanoApp, which is a cloud-based collaboration solution that allows multiple users, each with their own desktop spreadsheet, to maintain one consistent view of data by syncing it to Synapse's cloud database server.
- Apr 2018Series A$1.7M
- Feb 2017Grant (prize money)$52.9K
- Sep 2016Grant (prize money)$52.8K
- Jan 2016Seed$736.6K
#5
Seed · Birmingham, England · founded 2015 · 3 employees$2.6Mraised▾
Cloud-based EPOS system for hospitality and retail businesses. It is an innovative mobile point-of-sale system that connects a business directly to customers for easier, faster and more rewarding transactions. It works intuitively alongside the SWOOPE LOCAL platform to enable seamless e-commerce ordering and payment as well as powerful mobile marketing and analytics. It offer a comprehensive set of features that links the POS, backoffice, e-commerce, mobile ordering app all in one system with the features needed to run business efficiently in a modern market.
- Oct 2018Seed$655.7K
- Aug 2018Seed$1.5M
- May 2017Seed$388.9K
#6
Deadpooled · Birmingham, England · founded 2018 · 3 employees$324.8Kraised▾
Rent Chief provides portfolio management solutions for real estate investors and managers. It features tools for property analysis, compliance monitoring, data analytics, etc. Also offers mortgage and insurance solutions for property investment.
- Jul 2020Grant (prize money)—
- Apr 2019Seed$324.8K
#7
Seed · Birmingham, England · founded 2022—raised▾
Provider of digital wallet services for cross-border and domestic money transfers. The platform facilitates peer-to-peer transfers and bill payments. It offers multi-currency accounts and integrates biometric identity verification. The company provides virtual bank accounts and debit cards.
- Mar 2026Seed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in the United Kingdom
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 292 United Kingdom-affiliated papers.
- Department of Finance16
- University College London12
- University of Oxford12
- University of Greenwich8
- Durham University7
- Credit risk4
- Financial services3
- Scalability3
- Digital currency3
- Analytics3
- Financial services2→34
- Financial inclusion1→12
- Mobile payment1→4
- Financial services5→59
- Financial inclusion1→25
- Payment1→22
- Financial innovation2→8
- Blockchain1→5
Where fintech is researched across United Kingdom
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Who's filing fintech patents in the United Kingdom
United Kingdom fintech patent filing is cooling — 4 filings from 3 assignees (2020–2024), led by Unlisted, IL Marchese Diamonds, Obrien Patrick Damien; annual filings 2→1.
- Unlisted2
- IL Marchese Diamonds1
- Obrien Patrick Damien1
Common questions
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.