Lending startup ecosystem
We track 5 organisations in this sector across 4+ countries.
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Anyfin
Anyfin is a Stockholm-based fintech founded in 2017 that helps consumers cut the cost of their existing loans and credit-card debt by refinancing them at lower rates, using a photo of a statement and data-driven credit assessment. It has expanded from Sweden into Finland, Norway and Germany with a focus on reducing borrowing costs rather than lending more.
Finch Capital
Finch Capital is an Amsterdam-based venture capital firm founded in 2013, specialising in early-stage investments in European fintech, insurtech, and financial infrastructure. The firm manages approximately $400 million across three funds, with its third European fund targeting €150 million. Finch has invested in 51 companies across the UK, Netherlands, and wider Europe, focusing on seed and Series A rounds in companies applying technology to financial services including payments, lending, insurance, and wealth management. Notable portfolio companies include BUX (European retail investing), with the firm also backing Grab in Asia, and exits including 12 acquisitions from its portfolio.
Lendable
Lendable is a London-based fintech founded in 2014 that uses data and automation to underwrite consumer credit, offering personal loans, credit cards and car finance funded through institutional capital. It reached unicorn status and operates in the UK, US and Mexico, positioning itself as a fully digital, fast-decision alternative to traditional lenders.
Malcom Finance
Malcom Finance (formerly 4Trans) provides factoring and financing for truck drivers and logistics SMEs. Its underwriting leverages real-time telematics and operational data to assess risk more accurately than traditional banks. This enables faster payouts and more flexible credit for transport operators who are cash-flow constrained. By 2026, Malcom is a fast-growing Czech fintech focused on the logistics economy.
OakNorth
OakNorth is a London-based fintech founded in 2015 that operates as a profitable digital bank and credit intelligence software provider. Its OakNorth Credit Intelligence platform uses AI and machine learning to help commercial lenders make better decisions for mid-market businesses, the segment typically underserved by traditional banks. The bank itself has lent over GBP 10 billion since launch and has been consistently profitable. OakNorth raised $1 billion from investors including SoftBank, reaching a valuation of $4.7 billion. The software platform is licensed to banks globally.
