Startups Directory

Kriya (formerly MarketFinance) is a British fintech company providing credit and payment products for small businesses, including invoice finance, business loans, and embedded PayLater solutions. The company enables SMEs to access working capital through instant credit decisions and seamless integrations. As of October 2025, Kriya was acquired by Allica Bank and now operates as part of the bank's credit offering to established SMEs. The platform has facilitated close to £3 billion in funding for UK businesses since its 2011 launch.

Balance is a B2B eCommerce payments platform that enables businesses to process payments via check, card, or bank transfer with flexible terms (net 30/60/90, payment plans). Founded by PayPal alums, it addresses the $2 trillion offline B2B payments market by offering an omni-channel checkout with real-time risk assessment and instant settlement. The platform combines B2B payments, trade credit, AR management, and marketplace capabilities in a modular stack tailored for digital commerce at scale.

Wise is a fintech platform that enables individuals and businesses to send money internationally at real mid-market exchange rates with transparent, low fees (starting at 0.35%). Using a peer-to-peer matching system and local bank accounts across countries, Wise eliminates the need for physical currency conversion and traditional banking intermediaries. The platform solves the international payments problem that traditional banks created through hidden fees and unfavorable exchange rates, making cross-border money transfers faster, cheaper, and more transparent.

OppZo provides AI-driven working capital loans for SMB government contractors, addressing the 120-day payment gap between contract execution and government reimbursement. The platform finances up to 20% of unbilled contract value ($100K-$1M+) at rates as low as 8% with no personal guarantees. OppZo digitizes traditionally manual lending processes through proprietary technology, serving an underserved market segment across 42 U.S. states.

Ampla is an all-in-one financing platform for omnichannel consumer brands, combining a flexible line of credit, modern banking services (checking account, debit card, corporate Visa card), and data analytics. The platform uniquely underwriters businesses by considering omnichannel revenue streams—including stores, wholesale, and e-commerce—rather than just online sales. Ampla originated over $2B in loans and processed $5T in transaction volume before its acquisition by FundThrough in April 2025.

Iwoca is a UK-based fintech lender that uses machine learning and real-time business data to provide fast, flexible loans to SMEs rejected by traditional banks. Since 2012, it has lent £4 billion to 100,000+ businesses with decisions in 24 hours and interest rates starting at 1.5% per 30 days. Unlike conventional loans, borrowers only pay interest on outstanding balances with flexible repayment terms from 1 day to 24 months and no early repayment penalties.

Sunbit is a B2B2C point-of-sale financing platform that embeds fast, transparent installment payment options into merchant checkout workflows, primarily in auto repair and healthcare. Using proprietary AI/ML, the platform approves 90% of applicants in under 30 seconds with just a driver's license, phone, and email. Merchants receive guaranteed upfront payment while Sunbit assumes credit risk, enabling 20-30% higher average order values and improved customer retention.

Juni is a fintech platform built specifically for e-commerce and online marketing entrepreneurs, combining business banking, credit products, and financial analytics optimized for the unique cash flow patterns of digital businesses. The platform automates accounting workflows through 2,400+ integrations while offering credit cards, capital advances, and cash-back tailored to e-commerce operations. Juni differentiates by deeply understanding the irregular payment cycles and high transaction volumes typical of online sellers, positioning itself as a vertical-specific alternative to horizontal fintech platforms.

Tipalti is a global accounts payable automation platform that enables mid-market and enterprise companies to pay contractors, employees, suppliers, and vendors across 190+ countries in 120+ currencies. The platform automates the entire payment workflow—from supplier onboarding and invoice processing via OCR to multi-step approvals, payment execution, and reconciliation—eliminating up to 80% of manual AP work. Unlike payment processors focused on collections (PayPal, Stripe), Tipalti specializes in mass disbursements, handling compliance, tax forms, and local regulatory requirements at scale.

DailyPay is an earned wage access (EWA) platform that enables employers and payroll providers to offer employees access to wages they've already earned before their scheduled payday. The service integrates directly with employer payroll systems to track daily earnings and allows employees to transfer funds to any bank account or DailyPay's fee-free prepaid card. With 6M+ employees across nearly 1,000 employers including Fortune 500 companies like Target, Kroger, and McDonald's, DailyPay differentiates through tight payroll integration and a free employee experience, positioning itself as the category leader.

DigniFi is an embedded finance platform that enables auto repair shops, dealerships, and service centers to offer point-of-sale financing to customers for repairs, parts, accessories, and maintenance. The company has built a fintech marketplace connecting consumers across multiple credit tiers with lenders, processing applications in under 5 minutes with decisions typically within 2 minutes. With 6,800+ merchant partners and $445M in transaction volume facilitated, DigniFi differentiates through fast approvals, support for underserved credit profiles, and seamless integration into automotive service workflows.

Parker is a corporate credit card platform purpose-built for e-commerce brands, offering credit limits up to $10 million with cash flow-optimized underwriting based on business performance. Unlike traditional business credit cards, Parker provides flexible statement cycles (daily, weekly, or monthly) and credit limits 10-20x higher than competitors like Brex and American Express. The platform bundles cards, banking, bill pay, and financial intelligence at no additional cost, generating revenue through interchange and transaction fees.

Camino Financial is an AI-powered community lending platform providing affordable business loans to credit-invisible, cash-heavy small businesses that don't qualify for traditional bank financing. Using proprietary CaminoScore technology and community partnerships, they offer loans with monthly payments 40% lower than alternative products. The platform serves primarily minority-owned and first-time borrowers, having funded over $350 million across 12,000+ businesses as of December 2023.

Selina Finance provides fast, flexible secured lending products to UK homeowners, including HELOCs and homeowner loans backed by property equity. The company differentiates through speed (funds in 24 hours), transparent pricing (starting at 4.95% APR), and flexibility (interest only on amounts drawn). Founded in 2019 and backed by $361M in total funding, Selina has processed over $100M in HELOC lending and won industry awards for service excellence.

Airbase is an all-in-one spend management platform that consolidates accounts payable automation, corporate cards, expense management, and accounting integrations into a single system. It serves mid-market companies (100-5,000 employees) looking to automate their entire spend workflow—from purchase requests and approvals to payments and reconciliation. Airbase differentiates itself by solving requests, payments, and accounting together rather than as separate point solutions, enabling companies to eliminate over 50% of spend-related manual work.

AtoB is a fintech platform modernizing payments infrastructure for trucking and logistics companies. It provides zero-fee fuel cards, instant payroll, and real-time vendor payments built on Mastercard's network rather than legacy closed systems. The platform serves fleets of all sizes with transparent pricing, fuel discounts averaging 42¢ per gallon, and anti-fraud tools designed specifically for the transportation industry.

Blockstream provides interoperable blockchain infrastructure and Bitcoin layer-2 solutions, including the Liquid Network sidechain, Core Lightning implementation, and Blockstream Satellite for global Bitcoin access. The company serves financial institutions, cryptocurrency exchanges, and developers building Bitcoin-native applications. Their integrated approach uniquely combines asset issuance, confidential transactions, and Lightning Network payments in a single platform, differentiating them from competitors focused on single-layer solutions.

Nuula was a financial services super-app for small businesses that bundled cash flow forecasting, business credit monitoring, customer sentiment tracking, and integrated banking services. The platform connected cloud accounting systems, business bank accounts, and commerce platforms to provide real-time financial insights and automated credit access. Founded by veteran fintech entrepreneur Mark Ruddock, Nuula positioned itself as 'the unbundled bank' by curating best-in-class financial components into a single mobile-first platform. The company was acquired by Nav in January 2023.

40Seas is an AI-powered platform automating customer-to-cash workflows for cross-border trade, combining intelligent KYB, onboarding, credit management, multi-currency payments, and accounts receivable in one workspace. It enables exporters to get paid immediately upon shipment while offering importers deferred payment options (B2B BNPL) to improve working capital. The platform uses data-driven technology to automate credit decisions and trade financing without traditional credit risk.

SumUp provides mobile payment infrastructure that enables small and medium-sized businesses to accept card payments via wireless card readers connected to smartphones or tablets. The company processes transactions within 1-2 business days and transfers funds directly to merchant bank accounts. SumUp operates in 36 markets across Europe, the US, Latin America, and Australia, serving over 4 million merchants from single-person operators to major event spaces. The platform differentiates through simplicity, accessibility for non-technical users, and the lowest transaction fees in its category.