Crowdcube

InbestMe is an independent automated portfolio manager, also referred to as a robo-advisor, focused on helping individuals improve their investment strategies through advanced technology. Users can quickly register on their website, where the platform recommends suitable investment plans based on personal financial situations. Clients have the flexibility to customize their accounts by selecting from various portfolio options, risk profiles, and financial objectives. InbestMe specializes in creating highly diversified ETF portfolios designed to maximize net profitability for its users. The platform simplifies the investment process by monitoring plans, processing contributions, and ensuring effective portfolio management, all while providing a hassle-free experience that aims to enhance the user's financial growth.

Thrive Renewables is a renewable energy company focused on facilitating the transition to a sustainable energy future. It connects individuals and businesses with clean energy projects, providing accessible investment opportunities that promote environmental, financial, and social benefits. By enabling clients to invest in these projects, Thrive Renewables aims to reduce emissions and address the climate emergency while fostering a meaningful connection between people and sustainable energy initiatives.

Etcho is an investment platform focused on promoting environmental, social, and corporate governance through sustainable investment opportunities. The company has developed a user-friendly app that enables individuals to assess the impact of their stock investment portfolios and discover businesses that align with their values. By facilitating access to information about the effects of investments, Etcho empowers users to make informed decisions that resonate with their impact objectives. Additionally, the company creates products designed to assist financial advisors and professional investors in aligning their clients' investments with these objectives, ultimately fostering a more sustainable approach to investing.

Prosper is a financial services provider focused on helping individuals manage their savings and investments effectively. The company offers a variety of services, including pensions, investment opportunities, and savings accounts, all designed with transparent fees. By aiming to simplify the complexities of the pensions industry, Prosper seeks to empower its members to maximize their wealth for the future. Through clear guidance and accessible financial advice, Prosper assists individuals in making informed decisions about their long-term financial planning.

Carwow Ltd. operates an online platform that simplifies the process of buying new cars by connecting consumers with dealerships. The platform allows users to compare offers on configured cars, facilitating a more transparent and efficient purchasing experience without the need for haggling. Carwow also provides valuable buying advice, including car reviews, recommendations for choosing the right vehicle, and guidance on financing and selling cars. Founded in 2009 and based in London, the company aims to enhance the car buying experience by streamlining interactions between buyers and official dealers, ultimately improving stock turnover for dealerships while helping consumers find reasonable prices. Carwow was previously known as Digital Blurb Limited before rebranding in May 2013.

Dot Investing is a technology-driven investment management firm that simplifies and democratizes access to private markets. It offers a digital platform enabling individuals to research, invest, and monitor performance of private funds online, with a minimum investment of £100,000. The company curates and selects funds based on rigorous criteria, rejecting most and listing only those with exceptional characteristics. Dot Investing aims to increase transparency and knowledge sharing in the industry, transforming investment culture to create a more level playing field.

Tred is a platform that builds carbon tracking debit cards and app.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

CIRCA5000 is a developer of an impact investment application that focuses on generating both social and environmental benefits alongside financial returns. The platform allows users to invest in themes that positively influence the planet and its people. It emphasizes security and compliance, as the application is encrypted and adheres to the regulations set by the financial conduct authority. By providing a safe investment medium, CIRCA5000 aims to enrich the lives of its users while promoting sustainable practices and initiatives.

Lumio is a financial management platform aimed at addressing the challenges millennials face regarding money management. It provides users with a comprehensive solution for tracking shared expenses and balances, facilitating financial independence for couples. The platform allows users to connect various accounts, offering tailored guidance and recommendations for managing current, savings, and investment accounts. Additionally, Lumio delivers interactive market updates and a personalized news feed, helping users stay informed about relevant business and market developments. By organizing financial information and simplifying the management process, Lumio empowers users to take control of their finances and grow their money effectively.

Ismo is a financial technology company that provides investment services aimed at helping users save and invest for their future. The company has developed a financial application that automatically rounds up users' daily bank card spending to the nearest euro, setting aside small amounts for investment. This approach allows individuals to invest dynamically in the stock market through funds that are linked to equity and bond markets. Ismo's application prioritizes security and protection, making it accessible for a broader audience to engage in investment activities.

Octopus Titan VCT focuses on investing in technology-driven businesses that exhibit strong growth potential. The firm seeks to support established small companies that require capital for expansion, emphasizing sectors where innovation and technological advancement can drive significant returns. By targeting businesses with proven models and the capacity for scalability, Octopus Titan VCT aims to foster growth while providing investors with opportunities to benefit from the performance of these emerging companies.

Matera, a Paris-based company incorporated in 2017, operates an online condominium management platform aimed at simplifying the lives of co-owners. The platform enables residents to effectively manage their buildings by handling administrative and accounting tasks, generating necessary documents and bills tailored to each co-owner's needs. By providing a secure online environment for these functions, Matera allows co-owners to take control of their property management without relying on traditional professional syndicates. Additionally, the platform offers legal and accounting support, further streamlining the management process for building co-owners.

Stellar Fusion is a financial data platform focused on enhancing the equities market through innovative investor relations and equity analysis. It provides advanced tools and real-time insights that facilitate effective communication between investor relations teams, analysts, and financial data. The platform enables users to access detailed financial models that simulate stock price scenarios and valuations. Users can create their own forecasts, save valuation scenarios, and identify the fundamental drivers influencing a company's share price. By offering these capabilities, Stellar Fusion empowers users to have greater control over their financial analyses and decision-making processes.

Fazil is a fintech company that offers virtual cards and wallet accounts for digital payments on the one hand and a crypto exchange app on the other. Fazil's accounts and cards are completely digital, with no commissions or hidden fees. Users can easily spend money and pay their daily expenses using their mobile phones. Fazil simplifies money management through technology and products designed for, by, and for real people. At Fazil we opted for a business model that seeks to increase the happiness of users by rewarding their happy day-to-day spending through Cashback. This means that we do not compete for you to bring your salary (although you can also), but because you pay your day-to-day expenses with your phone. Therefore, we do not compete against traditional banks, but we complement them so that you can have greater order and improve your financial health.

Green-Got is a neobank that provides individuals with an accessible banking alternative focused on ecological sustainability. The bank offers a range of services, including deposit accounts, prepaid cards for online and offline purchases, savings accounts, and cash withdrawal options. By facilitating financial transactions, Green-Got aims to help users reduce the savings needed for the ecological transition while actively contributing to the conservation of ecosystems with each payment. The platform is designed to ensure safe and secure financial management, making it easier for customers to align their banking activities with their environmental values.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

WiseAlpha Technologies Limited operates an online investment platform that allows individual investors to participate in the corporate bond market by investing in corporate loans through the issuance of Notes. Established in 2014 and based in London, the company focuses on senior secured loan investments and aims to democratize access to investment opportunities traditionally reserved for institutional investors. By utilizing proprietary fractional technology, WiseAlpha breaks down high minimum purchase sizes into more accessible amounts, making it possible for investors to start with as little as £100. This approach not only facilitates greater participation in corporate bonds but also enhances investors' ability to diversify their portfolios and potentially earn attractive returns. Through its platform, WiseAlpha seeks to educate and engage retail investors in the multi-trillion dollar corporate bond market.

Penfold is a digital pension platform based in London, established on May 26, 2018, by founders Stuart Robinson, Chris Eastwood, and Peter Hykin. The company aims to make pension saving accessible and engaging for self-employed individuals, freelancers, and contractors. Its mobile-managed platform offers users complete transparency, allowing them to track their pensions in real-time and providing thorough explanations of retirement planning. Additionally, Penfold serves as an auto-enrolment solution for employers, facilitating pension management for their employees.

GoParity is an online crowdfunding platform established in 2017 that facilitates investment in sustainable projects. By employing a peer-to-peer business model, GoParity allows individual citizens and companies to invest in initiatives they are passionate about, aiming to generate positive economic, social, and environmental impacts. The platform focuses on promoting sustainable solutions across various sectors, including renewable energy, blue economy, smart cities, rural development, and social entrepreneurship. Through its accessible investment opportunities, GoParity is committed to fostering a more sustainable and inclusive economic system.

Lumio is a financial management platform aimed at addressing the challenges millennials face regarding money management. It provides users with a comprehensive solution for tracking shared expenses and balances, facilitating financial independence for couples. The platform allows users to connect various accounts, offering tailored guidance and recommendations for managing current, savings, and investment accounts. Additionally, Lumio delivers interactive market updates and a personalized news feed, helping users stay informed about relevant business and market developments. By organizing financial information and simplifying the management process, Lumio empowers users to take control of their finances and grow their money effectively.

Goodvest is a fintech platform that focuses on responsible investing and financial transparency. It aims to democratize access to investment services, allowing individuals to understand the exact composition of their investments. The platform is designed to align investment choices with personal values, particularly in the context of addressing climate change. By promoting responsible savings and investing, Goodvest seeks to make these financial options accessible to a broader audience, empowering users to contribute positively to the world through their financial decisions.

Tred is a platform that builds carbon tracking debit cards and app.

InbestMe is an independent automated portfolio manager, also referred to as a robo-advisor, focused on helping individuals improve their investment strategies through advanced technology. Users can quickly register on their website, where the platform recommends suitable investment plans based on personal financial situations. Clients have the flexibility to customize their accounts by selecting from various portfolio options, risk profiles, and financial objectives. InbestMe specializes in creating highly diversified ETF portfolios designed to maximize net profitability for its users. The platform simplifies the investment process by monitoring plans, processing contributions, and ensuring effective portfolio management, all while providing a hassle-free experience that aims to enhance the user's financial growth.

Danelfin is an AI-enhanced stock analytics platform focused on optimizing portfolio performance. The company utilizes advanced artificial intelligence technology to analyze stock data, providing users with valuable insights for stock selection. By leveraging these insights, Danelfin aims to assist investors in making informed decisions to enhance their investment strategies.

Qonto is a digital bank specializing in financial services for small and medium-sized businesses, as well as freelancers. It simplifies business banking, making it efficient and transparent. The company offers digital bank accounts for sending and receiving payments, catering to various company types, legal forms, and team sizes. Qonto's platform also facilitates bookkeeping, budget management, and fund transfers via a mobile application and physical/virtual cards, eliminating paperwork.

Danel Capital develops a platform using artificial intelligence for stock ranking and analysis. It transforms big data into smart scores for simple understanding. Danel Capital was founded in 2016 and is headquartered in Barcelona, Spain.

Crowdcube Limited is an equity crowdfunding platform based in Exeter, United Kingdom, with an additional office in London. Founded in 2009, the company allows entrepreneurs of start-ups and growing businesses to raise funds from a diverse network of investors, including friends, family, and the general public. Through Crowdcube, individuals can invest in small companies in exchange for equity or an annual return, thereby democratizing access to investment opportunities that were once primarily available to corporate investors. Since pioneering equity crowdfunding in 2011, Crowdcube has facilitated over £300 million in investments from more than 390,000 investors, supporting over 520 successful fundraising campaigns. Notable businesses that have utilized the platform include Monzo, River Cottage, and the Eden Project, among others.

Mecanicus operates a pre-owned car trading platform that connects buyers and sellers in a convenient and secure manner. The platform offers a diverse selection of vehicles, complete with detailed listings to help potential buyers make informed decisions. Mecanicus emphasizes customer confidence by providing a 12-month warranty on all purchased vehicles. Additionally, the company offers services related to car estimation and purchase, catering to the needs of both classic car enthusiasts and everyday consumers. Through its secure payment system, Mecanicus aims to facilitate a smooth transaction process for all users.

TaxScouts is a tax preparation platform based in London, England, founded in 2017 by Mart Abramov, Kaupo Kõrv, and Daniel Karger. It simplifies the tax filing process for individuals by providing an online tool that allows users to complete their personal income tax with the assistance of certified accountants. The platform features a tax bot that helps users understand their tax situation and offers recommendations for reducing their tax liabilities. Additionally, TaxScouts integrates with financial institutions to automatically import relevant tax data, streamlining the overall tax preparation experience and reducing the likelihood of errors.

Bank North is a regional business bank that provides lending and financial support services by combining leading cloud-native technology with regional distribution and the decentralized model, enabling borrowers to avail of loans and other financial credits in a frictionless and timely manner.

EverUp Ltd, incorporated in 2020 and based in London, United Kingdom, provides a unique prize-linked savings account that transforms everyday spending into potential rewards. By gamifying the shopping experience, EverUp enables users to save money while engaging in entertaining activities. The platform offers a digitally-native suite of financial products, including savings accounts that reward users with chances to win tax-free cash prizes for maintaining good financial habits. Additionally, it facilitates a range of financial transactions, from saving to personal loans, all designed to encourage responsible financial behavior.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

Monva is an intelligent comparison platform focused on financial products and services. It utilizes advanced data analytics, artificial intelligence, and machine learning to provide users with smart comparison tools for accessing and purchasing various financial offerings. By analyzing customer data, Monva aims to guide users through their search processes, offering personalized tips and real-time information to help them make informed decisions. The platform also keeps users updated with new personalized offers and deals as they become available in the market, ensuring they are always aware of the best options suited to their needs.

Boring Money Ltd, established in 2015 and based in London, provides investment advice to individuals regarding individual savings accounts (ISAs) and pensions. The independent company aims to assist everyday investors in making informed decisions without the complexities often associated with finance. Founder Holly Mackay, with two decades of experience in the investment industry, recognized the need for a more approachable alternative to traditional investment education, which often inundates consumers with jargon and complicated information. Boring Money utilizes an investment guidance platform that combines quantitative data, customer feedback, and tailored research to create clear comparisons and insights. This approach empowers consumers to navigate the investment landscape more effectively, ultimately promoting smarter financial choices.

ID Finance is a data science and digital lending company based in Barcelona, Spain, with additional operations in Mexico and Brazil. Founded in 2012, the company focuses on enhancing financial inclusion in emerging markets through its innovative lending solutions. Its primary products include Plazo, which offers long-term loans to consumers who struggle to access traditional bank credit, and Moneyman, a platform designed to assist individuals with short-term cash flow needs via an automated lending service. ID Finance employs advanced data science and machine learning techniques to provide competitive and transparent financial services. With a workforce of over 400 employees, the company has attracted significant investment, including $10 million in equity and $50 million in debt funding, and serves approximately 1.4 million registered clients. The founders bring substantial banking experience, having previously worked at major institutions, and ID Finance has been recognized for its rapid growth in the fintech sector.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

CIRCA5000 is a developer of an impact investment application that focuses on generating both social and environmental benefits alongside financial returns. The platform allows users to invest in themes that positively influence the planet and its people. It emphasizes security and compliance, as the application is encrypted and adheres to the regulations set by the financial conduct authority. By providing a safe investment medium, CIRCA5000 aims to enrich the lives of its users while promoting sustainable practices and initiatives.

Caxton FX has been providing expertise in foreign exchange to their customers since the start of the century.

The Big Exchange Limited operates an online investment platform designed to provide access to actively managed funds focused on social and environmental impact. Established in 2014 and based in London, the company aims to create a new financial system that benefits both individuals and the planet. The platform offers a variety of investment options, including ready-made bundles and individual funds, allowing retail investors to align their financial choices with their values. Additionally, The Big Exchange enables clients to monitor both the financial performance and the social impact of their investments, supporting a commitment to driving meaningful change for future generations.

Coconut is a tax and accounting software designed for sole traders, landlords, and their accountants, facilitating financial management in light of upcoming regulatory changes in the UK. With the introduction of "Making Tax Digital for Income Tax," over four million UK taxpayers will need to submit five tax returns annually starting in 2024. Coconut streamlines this process by automatically categorizing business transactions that are tax-deductible, providing real-time tax calculations, and offering guidance on tax regulations. The platform also features tools for invoicing and expense tracking, enabling self-employed individuals to effectively manage their finances and enhance their liquidity positions.

Vizopay is a carbon-offsetting payment platform that facilitates effortless carbon capture through its payment processing services. By using Vizopay, customers and businesses can contribute to tree planting initiatives with each transaction, thereby showcasing their commitment to environmental sustainability. The platform offers features such as checkout processing, predictable payouts to bank accounts, and transaction and refund management, which help businesses enhance their environmental, social, and governance (ESG) efforts. This capability not only promotes brand loyalty but also has the potential to increase sales as businesses align their operations with sustainability goals.

Vizopay is a carbon-offsetting payment platform that facilitates effortless carbon capture through its payment processing services. By using Vizopay, customers and businesses can contribute to tree planting initiatives with each transaction, thereby showcasing their commitment to environmental sustainability. The platform offers features such as checkout processing, predictable payouts to bank accounts, and transaction and refund management, which help businesses enhance their environmental, social, and governance (ESG) efforts. This capability not only promotes brand loyalty but also has the potential to increase sales as businesses align their operations with sustainability goals.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Penfold is a digital pension platform based in London, established on May 26, 2018, by founders Stuart Robinson, Chris Eastwood, and Peter Hykin. The company aims to make pension saving accessible and engaging for self-employed individuals, freelancers, and contractors. Its mobile-managed platform offers users complete transparency, allowing them to track their pensions in real-time and providing thorough explanations of retirement planning. Additionally, Penfold serves as an auto-enrolment solution for employers, facilitating pension management for their employees.

BitcoinPoint is a company focused on making Bitcoin accessible to a broader audience, particularly those who may not be technologically inclined. The platform serves over 11,000 clients, including both retail and corporate users. It enables customers to buy, receive, send, and sell Bitcoin and other cryptocurrencies through an application designed for ease of use. BitcoinPoint also allows users to purchase Bitcoin in retail locations, similar to using an ATM, and provides an online wallet for securely holding cryptocurrencies. Notably, it was the first company registered with the FCA to integrate the Lightning Network, further enhancing its service offerings.

MPower Ventures AG is a crowdfunding platform focused on providing affordable clean energy solutions in emerging markets. Founded in 2017 and headquartered in Zurich, Switzerland, the company partners with local entities to finance and deploy clean energy systems tailored for households and small to medium enterprises. MPower Ventures offers high-quality Plug&Play solar kits and energy-efficient appliances for both domestic and productive use. Its proprietary software tracks and digitizes operations, leveraging data to enhance financial inclusion for end-users. The company also provides inclusive financing solutions for its partners and customers, making clean energy accessible to a broader audience. Additionally, MPower Ventures has offices in Madrid, Shenzhen, Cameroon, and Zambia, extending its reach to various regions.

Tred is a platform that builds carbon tracking debit cards and app.

URocked is a cashless tipping platform that facilitates quick and remote monetary transactions, enabling users to send gratuities directly to workers across various industries. The platform is designed to eliminate administrative fees and delays, allowing workers to receive tips instantly and increase their earnings. By offering a seamless way to express gratitude, URocked enhances the tipping experience for both customers and workers, ensuring that appreciation is conveyed efficiently and effectively.

Fairer Finance, founded in 2017 and based in London, is a consulting firm that focuses on enhancing the financial services market for both consumers and businesses. The company provides valuable information services by offering comprehensive customer ratings and research on various financial institutions and their products. This data allows clients to gain insights into market trends and benchmarks, enabling them to refine their offerings and improve customer experiences. Fairer Finance aims to create a more equitable financial landscape by equipping companies with the tools and knowledge necessary to understand and meet consumer needs effectively.

Sugi is an investment application that assists non-professional investors in understanding and managing the climate impact of their portfolios. By integrating with existing investment platforms, Sugi enables users to curate their portfolios while providing factual information about the carbon impact of their current investments. The application is designed to empower investors to create sustainable portfolios that align with their values, without offering financial or investment advice. Through its innovative approach, Sugi aims to help individuals make informed decisions that contribute to a positive environmental impact while still pursuing financial returns.

Monva is an intelligent comparison platform focused on financial products and services. It utilizes advanced data analytics, artificial intelligence, and machine learning to provide users with smart comparison tools for accessing and purchasing various financial offerings. By analyzing customer data, Monva aims to guide users through their search processes, offering personalized tips and real-time information to help them make informed decisions. The platform also keeps users updated with new personalized offers and deals as they become available in the market, ensuring they are always aware of the best options suited to their needs.

Money Dashboard is a UK-based online service established in 2010, specialising in personal financial management. It aggregates users' financial accounts, including current and savings accounts, as well as credit cards, from various UK institutions into a single, secure platform. This service enables users to monitor their spending, track their income and expenses, and plan for future savings. By analysing users' spending patterns, Money Dashboard provides personalised insights and budgeting tools to help individuals make informed financial decisions. The service is free and accessible to users with online banking facilities and internet access.

Lumio is a financial management platform aimed at addressing the challenges millennials face regarding money management. It provides users with a comprehensive solution for tracking shared expenses and balances, facilitating financial independence for couples. The platform allows users to connect various accounts, offering tailored guidance and recommendations for managing current, savings, and investment accounts. Additionally, Lumio delivers interactive market updates and a personalized news feed, helping users stay informed about relevant business and market developments. By organizing financial information and simplifying the management process, Lumio empowers users to take control of their finances and grow their money effectively.

Sendit.Money is a mobile wallet platform that provides an intuitive, secure, and inexpensive way to send and receive money. The company was founded in 2019 and is based in London.

Football Fan is a leading Web3.0 social football app-based platform to find, connect, share and interact with like-minded fans and people connected with football. It is a unique fan-generated content platform that allows freedom of speech and expression for its users. The app-based platform rewards its users with unique blockchain-secured digital tokens called FanCoin® for posting content (videos, podcasts, photos, chat rooms) and engaging with the community on the app. The fan-owned app, together with FanCoin®, creates an ecosystem with revenue-generating opportunities for Football Fan app users under Web3.0 such as NFT Marketplace, innovative brand endorsements and FanCoin® marketplace. FanCoin® is not just any other token but it is backed by a strong business case and a passionate community of fans. The vision is to make FanCoin® the means of transactions to buy real-life tangible products and to leverage its power into other industry sectors as well. FanCoin® holders can use them for the following: a. Convert their owned content into NFTs or buy NFTs or resale NFTs using FanCoin® on the app in less than 60 seconds. Demystifying the complexities involved in NFTs and blockchain by making it easier for “a man on the street” to create revenue streams for themselves with the need for a crypto wallet or cryptocurrencies and with no gas fees. b. Redeem at FanCoin® marketplace where FanCoin® holders can purchase products from over 200 partner brands. E.g., Football club shirts, coffee, shoes, hardware products etc. Fan engagement is at the heart of everything that the Football Fan app does, creating an innovative ecosystem using FanCoin® for the fans, football clubs, players, brands, influencers, journalists and small medium or large businesses. Football Fan app is growing rapidly with hundreds of thousands of hyper-active & growing userbase have generated over hundreds of millions active engagements on the app already. Football Fan app can be downloaded for free from iOS and Android app stores.

EverUp Ltd, incorporated in 2020 and based in London, United Kingdom, provides a unique prize-linked savings account that transforms everyday spending into potential rewards. By gamifying the shopping experience, EverUp enables users to save money while engaging in entertaining activities. The platform offers a digitally-native suite of financial products, including savings accounts that reward users with chances to win tax-free cash prizes for maintaining good financial habits. Additionally, it facilitates a range of financial transactions, from saving to personal loans, all designed to encourage responsible financial behavior.

Crosspay is a UK-based fintech company specializing in international money transfers and digital giving solutions for churches and ministries. The platform allows individuals and businesses to send payments across borders in over 50 currencies, utilizing smartphones, tablets, or computers for convenience. Crosspay is committed to providing competitive rates and personalized service, ensuring that users can efficiently manage their overseas transactions for both personal and business purposes. By offering a dedicated support team, Crosspay enhances the user experience, making the process of remittances straightforward and accessible.

Mintos, established in 2014 and headquartered in Riga, Latvia, is Europe's leading investment platform for earning passive income. It operates a peer-to-peer lending marketplace, connecting investors seeking attractive returns with consumers and small businesses in need of affordable loans. With over €600 million in assets under management and more than 500,000 registered users, Mintos enables investors to build diversified portfolios of income-generating assets through both automated and manual investment strategies. The platform offers investments in mortgage loans, personal unsecured loans, car loans, invoices, and small business loans, with investments possible in fractions of loans. Authorized under MiFID, Mintos has earned multiple industry awards since its founding.

Clim8 Invest develops an app for sustainable investing so people can make an impact on climate change with their savings. Clim8 is a simple way to invest in a sustainable portfolio of carefully selected companies already making a positive impact on climate change. Clim8's mission is to move billions of pounds of investments into clean energy and truly green, sustainable companies.

Genuine Impact is a developer of research tools that provide insights for long-term investors. The company collects and analyzes extensive data from over 5,000 stocks and 4,000 funds daily, assessing their fundamentals, market sentiment, and risk-adjusted returns. By condensing this data into an easy-to-understand ranking system, Genuine Impact offers a clear 0 to 100 score that simplifies complex information for individual investors. Its platform enables users to analyze and compare their investments against peers, facilitating the identification of high-scoring securities and alternative portfolios. Additionally, Genuine Impact provides curated research and thought pieces from leading investment managers to enhance investors' understanding of market trends and economic conditions, ultimately empowering them to make informed investment decisions.

Boring Money Ltd, established in 2015 and based in London, provides investment advice to individuals regarding individual savings accounts (ISAs) and pensions. The independent company aims to assist everyday investors in making informed decisions without the complexities often associated with finance. Founder Holly Mackay, with two decades of experience in the investment industry, recognized the need for a more approachable alternative to traditional investment education, which often inundates consumers with jargon and complicated information. Boring Money utilizes an investment guidance platform that combines quantitative data, customer feedback, and tailored research to create clear comparisons and insights. This approach empowers consumers to navigate the investment landscape more effectively, ultimately promoting smarter financial choices.

Bnc10 is a mobile banking platform founded in 2018 and based in Barcelona, Spain. The company provides a digital banking alternative that allows users to open free accounts instantly and access a range of financial services. Its platform includes features such as social payments, currency exchanges, and commission-free money withdrawals, all managed through a user-friendly mobile application. Bnc10 aims to redefine banking by offering flexible financial solutions that move away from traditional banking practices.

MPower Ventures AG is a crowdfunding platform focused on providing affordable clean energy solutions in emerging markets. Founded in 2017 and headquartered in Zurich, Switzerland, the company partners with local entities to finance and deploy clean energy systems tailored for households and small to medium enterprises. MPower Ventures offers high-quality Plug&Play solar kits and energy-efficient appliances for both domestic and productive use. Its proprietary software tracks and digitizes operations, leveraging data to enhance financial inclusion for end-users. The company also provides inclusive financing solutions for its partners and customers, making clean energy accessible to a broader audience. Additionally, MPower Ventures has offices in Madrid, Shenzhen, Cameroon, and Zambia, extending its reach to various regions.

WiseAlpha Technologies Limited operates an online investment platform that allows individual investors to participate in the corporate bond market by investing in corporate loans through the issuance of Notes. Established in 2014 and based in London, the company focuses on senior secured loan investments and aims to democratize access to investment opportunities traditionally reserved for institutional investors. By utilizing proprietary fractional technology, WiseAlpha breaks down high minimum purchase sizes into more accessible amounts, making it possible for investors to start with as little as £100. This approach not only facilitates greater participation in corporate bonds but also enhances investors' ability to diversify their portfolios and potentially earn attractive returns. Through its platform, WiseAlpha seeks to educate and engage retail investors in the multi-trillion dollar corporate bond market.

Coconut is a tax and accounting software designed for sole traders, landlords, and their accountants, facilitating financial management in light of upcoming regulatory changes in the UK. With the introduction of "Making Tax Digital for Income Tax," over four million UK taxpayers will need to submit five tax returns annually starting in 2024. Coconut streamlines this process by automatically categorizing business transactions that are tax-deductible, providing real-time tax calculations, and offering guidance on tax regulations. The platform also features tools for invoicing and expense tracking, enabling self-employed individuals to effectively manage their finances and enhance their liquidity positions.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

Monva is an intelligent comparison platform focused on financial products and services. It utilizes advanced data analytics, artificial intelligence, and machine learning to provide users with smart comparison tools for accessing and purchasing various financial offerings. By analyzing customer data, Monva aims to guide users through their search processes, offering personalized tips and real-time information to help them make informed decisions. The platform also keeps users updated with new personalized offers and deals as they become available in the market, ensuring they are always aware of the best options suited to their needs.

Husky Finance operates a workplace pension platform aimed at providing individuals with access to financial freedom. The platform addresses the needs of approximately 15 million consumers in the UK who require affordable assistance in planning their savings and pension options, particularly in relation to employer-provided benefits. Husky Finance offers a comprehensive Software as a Service product that automates the initial stages of benefits, savings, and pension planning. By utilizing an online dashboard, the platform guides users through the process with techniques akin to those used in professional financial consultations, all while requiring no prior knowledge of finance or investment theory. Additionally, the platform facilitates end-to-end pension management, including salary exchange setup, payroll, compliance management, and guidance for pension choices, empowering individuals and businesses to make informed financial decisions and take control of their financial futures.

MPower Ventures AG is a crowdfunding platform focused on providing affordable clean energy solutions in emerging markets. Founded in 2017 and headquartered in Zurich, Switzerland, the company partners with local entities to finance and deploy clean energy systems tailored for households and small to medium enterprises. MPower Ventures offers high-quality Plug&Play solar kits and energy-efficient appliances for both domestic and productive use. Its proprietary software tracks and digitizes operations, leveraging data to enhance financial inclusion for end-users. The company also provides inclusive financing solutions for its partners and customers, making clean energy accessible to a broader audience. Additionally, MPower Ventures has offices in Madrid, Shenzhen, Cameroon, and Zambia, extending its reach to various regions.

KogoPAY is a payment application startup that facilitates quick wallet-to-wallet transfers, prepaid Mastercard services, QR code payments, and low-cost currency transfers. Based in London with an office in Bangkok, the app targets socially conscious individuals, including hospitality workers, travelers, street vendors, small businesses, students, and charity workers. KogoPAY aims to simplify local and international transactions, making them as effortless as sending an email. The platform focuses on instant funds transfer, both domestically and internationally, and promotes QR payments to enhance mobile wallet usability. By bridging traditional finance with digital currencies, KogoPAY enables users to manage their finances in a secure, fast, and affordable manner.

GiftRound Limited operates an online platform designed to facilitate the collection of money for gifts in workplace settings. Established in 2015 and based in Edinburgh, United Kingdom, the platform allows users to create gift collections, invite contributors, and manage the entire collection process efficiently. It aims to provide a quick, secure, and hassle-free solution for organizing group gifts in professional environments.

Bank North is a regional business bank that provides lending and financial support services by combining leading cloud-native technology with regional distribution and the decentralized model, enabling borrowers to avail of loans and other financial credits in a frictionless and timely manner.

ID Finance is a data science and digital lending company based in Barcelona, Spain, with additional operations in Mexico and Brazil. Founded in 2012, the company focuses on enhancing financial inclusion in emerging markets through its innovative lending solutions. Its primary products include Plazo, which offers long-term loans to consumers who struggle to access traditional bank credit, and Moneyman, a platform designed to assist individuals with short-term cash flow needs via an automated lending service. ID Finance employs advanced data science and machine learning techniques to provide competitive and transparent financial services. With a workforce of over 400 employees, the company has attracted significant investment, including $10 million in equity and $50 million in debt funding, and serves approximately 1.4 million registered clients. The founders bring substantial banking experience, having previously worked at major institutions, and ID Finance has been recognized for its rapid growth in the fintech sector.

Carwow Ltd. operates an online platform that simplifies the process of buying new cars by connecting consumers with dealerships. The platform allows users to compare offers on configured cars, facilitating a more transparent and efficient purchasing experience without the need for haggling. Carwow also provides valuable buying advice, including car reviews, recommendations for choosing the right vehicle, and guidance on financing and selling cars. Founded in 2009 and based in London, the company aims to enhance the car buying experience by streamlining interactions between buyers and official dealers, ultimately improving stock turnover for dealerships while helping consumers find reasonable prices. Carwow was previously known as Digital Blurb Limited before rebranding in May 2013.

Squirrel is an award-winning banking app that helps people regain control of their finances. Squirrel is an automatic budgeting account that splits their salary up into their bills, savings, and a weekly allowance to spend on whatever they like. No more overspending. No more overdraft. No more worries.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Gohenry is a UK-based fintech company that provides a pre-paid card and accompanying mobile app, designed to help children aged 6 to 18 learn about money management in a safe, controlled environment. Parents can set up regular pocket money transfers, allocate funds based on completed chores, and monitor spending in real-time. The platform offers parental controls such as setting spending limits, restricting card usage to specific locations, and blocking/unblocking the card instantly. It also includes budgeting tools for children to set savings goals and track spending.

Fourex is a self-service currency exchange specialist that aims to transform the way consumers exchange money. Its kiosks are designed to accept unsorted coins and notes from over 150 currencies, both in and out of circulation, and can dispense funds in Great British Pounds, Euros, or American Dollars within seconds. Fourex focuses on providing a seamless solution for individuals looking to exchange leftover travel money. With contracts secured with Transport For London and Westfield shopping centers, the rollout of Fourex machines is set to begin across London and the UK this summer.

Arival is a financial services provider based in Singapore, with operational headquarters in Florida and additional offices in Puerto Rico and Europe. Through its subsidiary, Arival Bank International Corp., the company is licensed as an International Financial Entity in Puerto Rico. Arival focuses on offering digital banking solutions designed to support businesses of all sizes in a global economy. Its services include USD and multi-currency bank accounts, as well as integrated domestic and international payment options. The company also provides a range of customized financial tools, helping businesses manage their finances effectively and facilitating seamless global transactions to enable growth without borders.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

Nutmeg, established in 2011 and headquartered in London, UK, is a pioneering online investment management service. It specializes in investments, ISAs, and pensions, offering a smart, secure, and straightforward approach to wealth management. The company's digital platform enables clients to access sophisticated global investment portfolios, keeping costs and charges low while boosting returns. With a six-year performance track record in the UK, Nutmeg is the first wealth manager of its kind, providing an intelligent and fair alternative to traditional investment management.

Elifinty is a financial application established in 2018 and based in London, England. The platform is designed to assist individuals in managing problem debt while promoting financial resilience. By facilitating a connection between businesses and their customers, Elifinty enhances customer engagement and provides more socially responsible support. This approach enables banks to address the underlying causes of challenging debts and improve repayment processes, ultimately reducing losses associated with difficult accounts. Elifinty aims to empower users to take control of their finances and foster a better financial future.

Money Dashboard is a UK-based online service established in 2010, specialising in personal financial management. It aggregates users' financial accounts, including current and savings accounts, as well as credit cards, from various UK institutions into a single, secure platform. This service enables users to monitor their spending, track their income and expenses, and plan for future savings. By analysing users' spending patterns, Money Dashboard provides personalised insights and budgeting tools to help individuals make informed financial decisions. The service is free and accessible to users with online banking facilities and internet access.

Genuine Impact is a developer of research tools that provide insights for long-term investors. The company collects and analyzes extensive data from over 5,000 stocks and 4,000 funds daily, assessing their fundamentals, market sentiment, and risk-adjusted returns. By condensing this data into an easy-to-understand ranking system, Genuine Impact offers a clear 0 to 100 score that simplifies complex information for individual investors. Its platform enables users to analyze and compare their investments against peers, facilitating the identification of high-scoring securities and alternative portfolios. Additionally, Genuine Impact provides curated research and thought pieces from leading investment managers to enhance investors' understanding of market trends and economic conditions, ultimately empowering them to make informed investment decisions.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

Finanbest is an automated financial advisory service that specializes in online portfolio management through the use of algorithms and minimal human intervention. Founded in 2017 and headquartered in Madrid, Spain, the company provides a web-based platform that allows users to create personalized investment portfolios tailored to their individual circumstances. By utilizing advanced technology, including artificial intelligence, Finanbest offers a digital wealth management solution that incorporates automated diversification strategies and financing allocation plans. This approach enables retail investors to access investment models typically reserved for larger assets, helping them achieve optimal returns based on their risk preferences.

Propio is a real estate investment platform aimed at simplifying and democratizing property investment and fundraising. By leveraging decades of property expertise alongside advanced technology, Propio provides a straightforward and affordable means for investors to participate in pre-vetted property opportunities. The platform is designed to be user-friendly, allowing clients to engage in property investments with the ease of online shopping. It caters to the needs of small and medium-sized enterprise (SME) property developers by offering much-needed funding, while also ensuring that investors have access to stable, property-backed investments that are ISA-eligible and insulated from typical market fluctuations. Propio's mission is to enhance the property finance landscape, making it fairer and more accessible for all stakeholders involved.

Aviation and Tech Capital Ltd has developed Ablrate.com which launched on July 9th 2014. This innovative new investment tool is aimed at the financing of aircraft and other income generating assets by allowing investors to invest directly through the Ablrate platform. Ablrate.com will also offer direct investment opportunities in capital equipment transactions. With interest rates remaining low, investors are on the hunt for investments which generate better returns. Aircraft are an ideal opportunity, as underlying demand for passenger travel drives growth across the globe. In 2013 over three billion passengers took to the skies and this is expected to double by 2030. The Ablrate.com platform will feature aircraft deals for ATR aircraft in particular, one of the best performing turboprop aircraft on the market. Since launch the company has completed £2 million of loans (as at January 2015)

Coconut is a tax and accounting software designed for sole traders, landlords, and their accountants, facilitating financial management in light of upcoming regulatory changes in the UK. With the introduction of "Making Tax Digital for Income Tax," over four million UK taxpayers will need to submit five tax returns annually starting in 2024. Coconut streamlines this process by automatically categorizing business transactions that are tax-deductible, providing real-time tax calculations, and offering guidance on tax regulations. The platform also features tools for invoicing and expense tracking, enabling self-employed individuals to effectively manage their finances and enhance their liquidity positions.

Gohenry is a UK-based fintech company that provides a pre-paid card and accompanying mobile app, designed to help children aged 6 to 18 learn about money management in a safe, controlled environment. Parents can set up regular pocket money transfers, allocate funds based on completed chores, and monitor spending in real-time. The platform offers parental controls such as setting spending limits, restricting card usage to specific locations, and blocking/unblocking the card instantly. It also includes budgeting tools for children to set savings goals and track spending.

WiseAlpha Technologies Limited operates an online investment platform that allows individual investors to participate in the corporate bond market by investing in corporate loans through the issuance of Notes. Established in 2014 and based in London, the company focuses on senior secured loan investments and aims to democratize access to investment opportunities traditionally reserved for institutional investors. By utilizing proprietary fractional technology, WiseAlpha breaks down high minimum purchase sizes into more accessible amounts, making it possible for investors to start with as little as £100. This approach not only facilitates greater participation in corporate bonds but also enhances investors' ability to diversify their portfolios and potentially earn attractive returns. Through its platform, WiseAlpha seeks to educate and engage retail investors in the multi-trillion dollar corporate bond market.

Freetrade, established in 2015 and headquartered in London, offers a mobile application enabling users to trade stocks and ETFs globally with zero commission fees. The platform provides various account options, including ISAs and personal pensions, to facilitate tax-efficient investing. It aims to educate users about long-term investing, offers transparent pricing, and connects users with independent financial advisers to enhance investment returns.

Finanbest is an automated financial advisory service that specializes in online portfolio management through the use of algorithms and minimal human intervention. Founded in 2017 and headquartered in Madrid, Spain, the company provides a web-based platform that allows users to create personalized investment portfolios tailored to their individual circumstances. By utilizing advanced technology, including artificial intelligence, Finanbest offers a digital wealth management solution that incorporates automated diversification strategies and financing allocation plans. This approach enables retail investors to access investment models typically reserved for larger assets, helping them achieve optimal returns based on their risk preferences.

BiiM is a revolutionary social gambling platform to bet real money on social games against others.

Propifi Capital Ltd, established in 2018 and headquartered in Coventry, UK, operates an online property crowdfunding platform. It connects property developers seeking finance with investors looking for high returns, addressing the gap in credit availability for development projects. The platform facilitates short-term loans secured against properties, providing a streamlined investment management solution.

BABB App Ltd is a UK-based company that operates as a decentralized banking platform, focusing on providing peer-to-peer banking services tailored for the global microeconomy. The platform utilizes blockchain technology to facilitate international remittances and payment gateways, ensuring that users can access secure, convenient, and cost-effective mobile banking services. By enabling individuals to leverage their social connectivity, BABB promotes financial autonomy and wealth creation, allowing users to manage their money with greater control and transparency. As an authorized payment institution by the Financial Conduct Authority, BABB aims to foster innovation and enhance accessibility in financial services for its users.

Rothbridge Investments is a financing advisory firm established in 2020 and based in Truro, United Kingdom. The firm specializes in consulting, mergers and acquisitions strategy, and transaction services, primarily focusing on the media and consumer sectors. Rothbridge Investments actively seeks investment, acquisition, and partnership opportunities on a global scale, aiming to facilitate growth and development for its clients through strategic financial guidance.

Squirrel is an award-winning banking app that helps people regain control of their finances. Squirrel is an automatic budgeting account that splits their salary up into their bills, savings, and a weekly allowance to spend on whatever they like. No more overspending. No more overdraft. No more worries.

Gohenry is a UK-based fintech company that provides a pre-paid card and accompanying mobile app, designed to help children aged 6 to 18 learn about money management in a safe, controlled environment. Parents can set up regular pocket money transfers, allocate funds based on completed chores, and monitor spending in real-time. The platform offers parental controls such as setting spending limits, restricting card usage to specific locations, and blocking/unblocking the card instantly. It also includes budgeting tools for children to set savings goals and track spending.