{"id":992429,"date":"2026-03-28T12:56:14","date_gmt":"2026-03-28T12:56:14","guid":{"rendered":"https:\/\/ukpostcode.org\/content\/?p=992429"},"modified":"2026-03-28T12:56:14","modified_gmt":"2026-03-28T12:56:14","slug":"20-fintech-companies-in-edinburgh-description-with-addresses","status":"publish","type":"post","link":"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/","title":{"rendered":"20 Fintech Companies in Edinburgh (Description with Addresses)"},"content":{"rendered":"<p>&nbsp;<\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#1_LendingCrowd_Fintech_%E2%80%93_SME_lending\" title=\"1. LendingCrowd (Fintech \u2013 SME lending)\">1. LendingCrowd (Fintech \u2013 SME lending)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#2_FreeAgent_Cloud_accounting_for_small_business\" title=\"2. FreeAgent (Cloud accounting for small business)\">2. FreeAgent (Cloud accounting for small business)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#3_Money_Dashboard_Personal_finance_management\" title=\"3. Money Dashboard (Personal finance management)\">3. Money Dashboard (Personal finance management)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#4_Zumo_Crypto_wallet_payments\" title=\"4. Zumo (Crypto wallet &amp; payments)\">4. Zumo (Crypto wallet &amp; payments)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#5_Float_Cash_flow_forecasting\" title=\"5. Float (Cash flow forecasting)\">5. Float (Cash flow forecasting)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#6_BR%E2%80%91DGE_Payment_orchestration\" title=\"6. BR\u2011DGE (Payment orchestration)\">6. BR\u2011DGE (Payment orchestration)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#7_The_ID_Co_RegTech_Identity_verification\" title=\"7. The ID Co. (RegTech \/ Identity verification)\">7. The ID Co. (RegTech \/ Identity verification)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#8_Visible_Capital_Investment_capital_markets_tech\" title=\"8. Visible Capital (Investment &amp; capital markets tech)\">8. Visible Capital (Investment &amp; capital markets tech)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#9_Inbest_Investment_tech\" title=\"9. Inbest (Investment tech)\">9. Inbest (Investment tech)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#10_Project_Heather_Digital_currency_fintech_research\" title=\"10. Project Heather (Digital currency \/ fintech research)\">10. Project Heather (Digital currency \/ fintech research)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#11_KAL_ATM_Software_Financial_software\" title=\"11. KAL ATM Software (Financial software)\">11. KAL ATM Software (Financial software)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#12_Tesco_Bank_Finance_tech_services\" title=\"12. Tesco Bank (Finance &amp; tech services)\">12. Tesco Bank (Finance &amp; tech services)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#13_Sustainably_Green_fintech\" title=\"13. Sustainably (Green fintech)\">13. Sustainably (Green fintech)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#14_4Sight_Financial_Software_Compliance_reporting\" title=\"14. 4Sight Financial Software (Compliance &amp; reporting)\">14. 4Sight Financial Software (Compliance &amp; reporting)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#15_FNZ_Wealth_management_technology\" title=\"15. FNZ (Wealth management technology)\">15. FNZ (Wealth management technology)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#16_ShareIn_Fractional_investment_tech\" title=\"16. ShareIn (Fractional investment tech)\">16. ShareIn (Fractional investment tech)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#17_Spoonfed_Credit_finance_scoring_tools\" title=\"17. Spoonfed (Credit \/ finance scoring tools)\">17. Spoonfed (Credit \/ finance scoring tools)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#18_Blackford_Insurance_Insurtech\" title=\"18. Blackford Insurance (Insurtech)\">18. Blackford Insurance (Insurtech)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#19_Veropath_RegTech_data_insight_tech\" title=\"19. Veropath (RegTech \/ data insight tech)\">19. Veropath (RegTech \/ data insight tech)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#20_Cuvva_On%E2%80%91demand_insurance_fintech\" title=\"20. Cuvva (On\u2011demand insurance fintech)\">20. Cuvva (On\u2011demand insurance fintech)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Growth_Ecosystem_Context\" title=\"\u00a0Growth &amp; Ecosystem Context\">\u00a0Growth &amp; Ecosystem Context<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Edinburghs_Fintech_Cluster\" title=\"\u00a0Edinburgh\u2019s Fintech Cluster\">\u00a0Edinburgh\u2019s Fintech Cluster<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Real_Growth_Examples\" title=\"\u00a0Real Growth Examples\">\u00a0Real Growth Examples<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Looking_for_Addresses\" title=\"\u00a0Looking for Addresses\">\u00a0Looking for Addresses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Commentary\" title=\"\u00a0Commentary\">\u00a0Commentary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_20_Fintech_Companies_in_Edinburgh_%E2%80%94_with_Descriptions_Addresses_Insights\" title=\"\u00a020 Fintech Companies in Edinburgh \u2014 with Descriptions, Addresses + Insights\">\u00a020 Fintech Companies in Edinburgh \u2014 with Descriptions, Addresses + Insights<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#1_LendingCrowd\" title=\"1. LendingCrowd\">1. LendingCrowd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#2_FreeAgent\" title=\"2. FreeAgent\">2. FreeAgent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#3_Money_Dashboard\" title=\"3. Money Dashboard\">3. Money Dashboard<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#4_Zumo\" title=\"4. Zumo\">4. Zumo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#5_The_ID_Co\" title=\"5. The ID Co.\">5. The ID Co.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#6_Float\" title=\"6. Float\">6. Float<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#7_BR%E2%80%91DGE\" title=\"7. BR\u2011DGE\">7. BR\u2011DGE<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#8_4Sight_Financial_Software\" title=\"8. 4Sight Financial Software\">8. 4Sight Financial Software<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#9_Blackford_Insurance\" title=\"9. Blackford Insurance\">9. Blackford Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#10_ShareIn\" title=\"10. ShareIn\">10. ShareIn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#11_Spoonfed\" title=\"11. Spoonfed\">11. Spoonfed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#12_Visible_Capital\" title=\"12. Visible Capital\">12. Visible Capital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#13_Inbest\" title=\"13. Inbest\">13. Inbest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#14_Project_Heather\" title=\"14. Project Heather\">14. Project Heather<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#15_KAL_ATM_Software\" title=\"15. KAL ATM Software\">15. KAL ATM Software<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#16_Cuvva\" title=\"16. Cuvva\">16. Cuvva<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#17_Sustainably\" title=\"17. Sustainably\">17. Sustainably<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#18_Veropath\" title=\"18. Veropath\">18. Veropath<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#19_Level_E_Research\" title=\"19. Level E Research\">19. Level E Research<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#20_Groov\" title=\"20. Groov\">20. Groov<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Detailed_Case_Studies_Commentary\" title=\"\u00a0Detailed Case Studies &amp; Commentary\">\u00a0Detailed Case Studies &amp; Commentary<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_LendingCrowd_%E2%80%93_Rapid_Scaling\" title=\"\u00a0LendingCrowd \u2013 Rapid Scaling\">\u00a0LendingCrowd \u2013 Rapid Scaling<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Level_E_Research_%E2%80%93_Research%E2%80%91Driven_Fintech\" title=\"\u00a0Level E Research \u2013 Research\u2011Driven Fintech\">\u00a0Level E Research \u2013 Research\u2011Driven Fintech<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Ecosystem_Strength_%E2%80%93_Blockchain_and_Payments\" title=\"\u00a0Ecosystem Strength \u2013 Blockchain and Payments\">\u00a0Ecosystem Strength \u2013 Blockchain and Payments<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Edinburgh_Fintech_Hub_%E2%80%93_City_Context\" title=\"\u00a0Edinburgh Fintech Hub \u2013 City Context\">\u00a0Edinburgh Fintech Hub \u2013 City Context<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Notes_on_Addresses\" title=\"\u00a0Notes on Addresses\">\u00a0Notes on Addresses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/#_Strategic_Commentary\" title=\"\u00a0Strategic Commentary\">\u00a0Strategic Commentary<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_LendingCrowd_Fintech_%E2%80%93_SME_lending\"><\/span><strong>1. LendingCrowd<\/strong> <em>(Fintech \u2013 SME lending)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Peer\u2011to\u2011peer lending platform for small and medium enterprises; in recent years pivoted to institutional funding and has delivered <strong>\u00a3525m+ in loans<\/strong> to businesses, with strong annual growth. (<a title=\"LendingCrowd\" href=\"https:\/\/www.thetimes.com\/sunday-times-100-tech\/software-profile\/article\/lendingcrowd-0c7n95nqp?utm_source=chatgpt.com\">The Times<\/a>)<br \/>\n<strong>HQ\/Location:<\/strong> Edinburgh, Scotland (City centre; specific HQ varies, see corporate contacts).<br \/>\n<strong>Comment:<\/strong> One of the fastest\u2011growing fintechs in Edinburgh with measurable impact on local SME finance.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"2_FreeAgent_Cloud_accounting_for_small_business\"><\/span><strong>2. FreeAgent<\/strong> <em>(Cloud accounting for small business)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Cloud-based accounting software enabling freelancers and small businesses to manage invoicing, expenses and tax digitally.<br \/>\n<strong>Address:<\/strong> Typically based in Edinburgh city centre (post\u2011EH1\/ EH3 area); see company site.<br \/>\n<strong>Comment:<\/strong> A well\u2011known Scottish SaaS fintech with global users.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"3_Money_Dashboard_Personal_finance_management\"><\/span><strong>3. Money Dashboard<\/strong> <em>(Personal finance management)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Open banking\u2011enabled personal finance dashboard helping users budget and track spending.<br \/>\n<strong>HQ:<\/strong> Edinburgh (financial services cluster).<br \/>\n<strong>Comment:<\/strong> Capitalises on open banking technology trends.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"4_Zumo_Crypto_wallet_payments\"><\/span><strong>4. Zumo<\/strong> <em>(Crypto wallet &amp; payments)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Provides blockchain\u2011based wallets, payments and digital asset services with a focus on accessibility and compliance.<br \/>\n<strong>Address:<\/strong> Edinburgh office (approx EH1\/EH2); check official listing.<br \/>\n<strong>Comment:<\/strong> Represents the blockchain\u2011finance intersection growing in Edinburgh. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"5_Float_Cash_flow_forecasting\"><\/span><strong>5. Float<\/strong> <em>(Cash flow forecasting)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Provides cash\u2011flow forecasting and financial planning tools for small to medium businesses using accounting integration.<br \/>\n<strong>HQ:<\/strong> Edinburgh (exact address in central business district).<br \/>\n<strong>Comment:<\/strong> Growing fintech for planning finance teams.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"6_BR%E2%80%91DGE_Payment_orchestration\"><\/span><strong>6. BR\u2011DGE<\/strong> <em>(Payment orchestration)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Offers payment orchestration technology to simplify how businesses manage global payment providers.<br \/>\n<strong>HQ:<\/strong> Edinburgh tech hub.<br \/>\n<strong>Comment:<\/strong> Focuses on simplifying complex payment stacks.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"7_The_ID_Co_RegTech_Identity_verification\"><\/span><strong>7. The ID Co.<\/strong> <em>(RegTech \/ Identity verification)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Provides remote identity verification and authentication technology, useful in banking and regulated services.<br \/>\n<strong>HQ:<\/strong> Edinburgh; works with financial institutions.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"8_Visible_Capital_Investment_capital_markets_tech\"><\/span><strong>8. Visible Capital<\/strong> <em>(Investment &amp; capital markets tech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Technology\u2011driven investment tools for capital markets and investor analytics.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"9_Inbest_Investment_tech\"><\/span><strong>9. Inbest<\/strong> <em>(Investment tech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Provides fintech solutions for investing, wealth management or fintech\u2011oriented financial planning tools.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"10_Project_Heather_Digital_currency_fintech_research\"><\/span><strong>10. Project Heather<\/strong> <em>(Digital currency \/ fintech research)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Likely linked to digital currency, blockchain or central bank digital currency (CBDC) research efforts emerging in the UK.<br \/>\n<strong>Location:<\/strong> Edinburgh innovation ecosystems.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"11_KAL_ATM_Software_Financial_software\"><\/span><strong>11. KAL ATM Software<\/strong> <em>(Financial software)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Supplies core ATM and kiosk software solutions globally; Edinburgh base fitting the city\u2019s tech &amp; finance strengths. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<br \/>\n<strong>HQ:<\/strong> Edinburgh office (within tech cluster).<br \/>\n<strong>Comment:<\/strong> Combines traditional banking infrastructure with fintech engineering.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"12_Tesco_Bank_Finance_tech_services\"><\/span><strong>12. Tesco Bank<\/strong> <em>(Finance &amp; tech services)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Retail banking backed by a major UK brand; extensive Edinburgh tech operation. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<br \/>\n<strong>HQ:<\/strong> Edinburgh (corporate bank HQ).<br \/>\n<strong>Comment:<\/strong> Traditional finance with fintech innovation teams.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"13_Sustainably_Green_fintech\"><\/span><strong>13. Sustainably<\/strong> <em>(Green fintech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Enables tracking and management of personal sustainability metrics linked to finance and spending.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"14_4Sight_Financial_Software_Compliance_reporting\"><\/span><strong>14. 4Sight Financial Software<\/strong> <em>(Compliance &amp; reporting)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Provides software solutions for financial services compliance, reporting and data processing.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"15_FNZ_Wealth_management_technology\"><\/span><strong>15. FNZ<\/strong> <em>(Wealth management technology)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Global wealth management platform provider with sizeable Edinburgh presence. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<br \/>\n<strong>Address:<\/strong> Local office in Edinburgh business district.<br \/>\n<strong>Comment:<\/strong> Combines enterprise fintech scale with local innovation.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"16_ShareIn_Fractional_investment_tech\"><\/span><strong>16. ShareIn<\/strong> <em>(Fractional investment tech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Platform for trading fractional shares and digital assets.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"17_Spoonfed_Credit_finance_scoring_tools\"><\/span><strong>17. Spoonfed<\/strong> <em>(Credit \/ finance scoring tools)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Provides alternative credit scoring and financial analytics, often used by lenders.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"18_Blackford_Insurance_Insurtech\"><\/span><strong>18. Blackford Insurance<\/strong> <em>(Insurtech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Digital insurer focused on tailored insurance products (often SME \/ specialised sectors).<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"19_Veropath_RegTech_data_insight_tech\"><\/span><strong>19. Veropath<\/strong> <em>(RegTech \/ data insight tech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> RegTech offering data processing and regulatory compliance tools for finance firms.<br \/>\n<strong>HQ:<\/strong> Edinburgh.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"20_Cuvva_On%E2%80%91demand_insurance_fintech\"><\/span><strong>20. Cuvva<\/strong> <em>(On\u2011demand insurance fintech)<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Description:<\/strong> Mobile app for flexible insurance coverage (vehicle \/ short\u2011term), with tech development presence in Edinburgh.<br \/>\n<strong>HQ:<\/strong> May operate hybrid offices with Edinburgh operations.<\/p>\n<hr \/>\n<h1><span class=\"ez-toc-section\" id=\"_Growth_Ecosystem_Context\"><\/span>\u00a0Growth &amp; Ecosystem Context<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<h3><span class=\"ez-toc-section\" id=\"_Edinburghs_Fintech_Cluster\"><\/span>\u00a0Edinburgh\u2019s Fintech Cluster<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Edinburgh\u2019s fintech sector has a growing reputation for combining <strong>traditional finance expertise with innovative tech<\/strong> across payments, blockchain, open banking and analytics. Companies such as <strong>Grafterr, LendingCrowd, Pasabi and Recast<\/strong> have originated here and gone on to wider success, reflecting a strong startup and scale\u2011up pipeline. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"_Real_Growth_Examples\"><\/span>\u00a0Real Growth Examples<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>LendingCrowd<\/strong> reported <strong>\u00a3525m+ lent<\/strong> to SMEs and over \u00a3250m in institutional funding, enabling substantial loan activity compared to its early years. (<a title=\"LendingCrowd\" href=\"https:\/\/www.thetimes.com\/sunday-times-100-tech\/software-profile\/article\/lendingcrowd-0c7n95nqp?utm_source=chatgpt.com\">The Times<\/a>)<\/li>\n<li>Edinburgh attracts major operations from global financial players (e.g., <strong>Tesco Bank, FNZ, Broadridge<\/strong>), which helps create a <strong>talent pool and ecosystem<\/strong> supporting local fintech innovation. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Looking_for_Addresses\"><\/span>\u00a0Looking for Addresses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Many firms are based within Edinburgh <strong>city center<\/strong> technology and financial districts (EH1, EH2, EH3 postcodes).<\/li>\n<li>Specific startup HQ details vary by company and often reside in coworking or business park addresses.<\/li>\n<li>For the ecosystem supporter <strong>FinTech Scotland<\/strong>, the registered office is at 10 Murchison House, 10 Max Born Crescent, Edinburgh, EH9\u202f3BF (serves cluster support). (<a title=\"FINTECH SCOTLAND overview - Find and update company information - GOV.UK\" href=\"https:\/\/find-and-update.company-information.service.gov.uk\/company\/SC567086?utm_source=chatgpt.com\">Find and Update Company Information<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Commentary\"><\/span>\u00a0Commentary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Edinburgh\u2019s fintech scene<\/strong> blends traditional financial services heritage with emerging technology \u2014 helping both startups and global firms innovate. (<a title=\"Software &amp; Technology \u2013 Invest in Edinburgh\" href=\"https:\/\/www.investinedinburgh.com\/fintech?utm_source=chatgpt.com\">Invest in Edinburgh<\/a>)<\/li>\n<li>Close ties with universities and research institutions fuel talent and domain expertise, making the city a hub for both <strong>RegTech and blockchain fintechs<\/strong>. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<p>Here\u2019s a **detailed list of 20 fintech companies either based in or with major operations in <strong>Edinburgh<\/strong>, including <strong>what they do<\/strong>, <strong>HQ\/office locations where known<\/strong>, and <strong>case studies\/comments on growth or impact<\/strong>. Edinburgh is one of the UK\u2019s fastest\u2011growing fintech hubs, attracting global players and spawning homegrown innovators across payments, lending, digital wealth, blockchain and more. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_20_Fintech_Companies_in_Edinburgh_%E2%80%94_with_Descriptions_Addresses_Insights\"><\/span>\u00a020 Fintech Companies in Edinburgh \u2014 with Descriptions, Addresses + Insights<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_LendingCrowd\"><\/span>1. <strong>LendingCrowd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> SME loan financing platform \u2014 shifted from peer\u2011to\u2011peer to institutional capital loans.<br \/>\n<strong>Growth\/Case:<\/strong> Achieved <strong>207% annual sales growth over three years<\/strong>, lent over <strong>\u00a3525M to 3,500+ SMEs<\/strong>, and raised \u00a3250M external capital, showing strong scaling. (<a title=\"LendingCrowd\" href=\"https:\/\/www.thetimes.com\/sunday-times-100-tech\/software-profile\/article\/lendingcrowd-0c7n95nqp?utm_source=chatgpt.com\">The Times<\/a>)<br \/>\n<strong>Comment:<\/strong> One of Edinburgh\u2019s standout fintech success stories in lending.<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"2_FreeAgent\"><\/span>2. <strong>FreeAgent<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Cloud accounting software for freelancers and small businesses.<br \/>\n<strong>Comment:<\/strong> Widely adopted in UK small business finance, showing longevity and market fit. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"3_Money_Dashboard\"><\/span>3. <strong>Money Dashboard<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Personal finance management platform leveraging open banking to track spending and budgeting.<br \/>\n<strong>Comment:<\/strong> Popular in the UK for customer financial visibility. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"4_Zumo\"><\/span>4. <strong>Zumo<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Crypto wallet + digital\u2011asset infrastructure platform enabling secure blockchain access.<br \/>\n<strong>Comment:<\/strong> Represents Edinburgh\u2019s growing blockchain\u2011fintech cluster. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"5_The_ID_Co\"><\/span>5. <strong>The ID Co.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Identity and verification platform used by banks and regulated firms.<br \/>\n<strong>Comment:<\/strong> Important vertical in RegTech. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"6_Float\"><\/span>6. <strong>Float<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Cash\u2011flow forecasting and financial planning tools for SMEs.<br \/>\n<strong>Comment:<\/strong> Fintech for business finance planning. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"7_BR%E2%80%91DGE\"><\/span>7. <strong>BR\u2011DGE<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Payment orchestration and platform tools for managing global merchant payments.<br \/>\n<strong>Comment:<\/strong> Illustrates the UK push in payments infrastructure. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"8_4Sight_Financial_Software\"><\/span>8. <strong>4Sight Financial Software<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Compliance and reporting software for financial services.<br \/>\n<strong>Comment:<\/strong> Fintech software trusted in FS ecosystems. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"9_Blackford_Insurance\"><\/span>9. <strong>Blackford Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Digital insurance products tailored for specialty and SME segments.<br \/>\n<strong>Comment:<\/strong> Example of insurtech evolution within fintech centres. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"10_ShareIn\"><\/span>10. <strong>ShareIn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Fractional investment and digital wealth tech.<br \/>\n<strong>Comment:<\/strong> Fintech addressing fractional asset access. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"11_Spoonfed\"><\/span>11. <strong>Spoonfed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Alternative credit scoring and financial analytics tools.<br \/>\n<strong>Comment:<\/strong> Useful for lenders and underwriters. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"12_Visible_Capital\"><\/span>12. <strong>Visible Capital<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Technology and analytics platform in capital markets and investments.<br \/>\n<strong>Comment:<\/strong> Data\u2011driven fintech in asset management. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"13_Inbest\"><\/span>13. <strong>Inbest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Investment and wealth management technology.<br \/>\n<strong>Comment:<\/strong> Fintech for personalized financial planning. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"14_Project_Heather\"><\/span>14. <strong>Project Heather<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Emerging fintech initiative (e.g., digital currency research\/innovation \u2014 linked via ecosystem).<br \/>\n<strong>Comment:<\/strong> Illustrates Edinburgh\u2019s involvement in cutting\u2011edge fintech R&amp;D. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"15_KAL_ATM_Software\"><\/span>15. <strong>KAL ATM Software<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Core ATM network and banking software used worldwide.<br \/>\n<strong>Comment:<\/strong> Long\u2011established fintech player with global reach. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"16_Cuvva\"><\/span>16. <strong>Cuvva<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> On\u2011demand insurance fintech (e.g., short\u2011term coverage via app).<br \/>\n<strong>Comment:<\/strong> Applies fintech models to insurance. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"17_Sustainably\"><\/span>17. <strong>Sustainably<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Tracks environmental &amp; sustainability impacts of financial decisions.<br \/>\n<strong>Comment:<\/strong> Reflects rising ESG fintech interest. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"18_Veropath\"><\/span>18. <strong>Veropath<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> RegTech\/data tools for compliance and data governance.<br \/>\n<strong>Comment:<\/strong> Critical for regulated fintech operations. (<a title=\"20 FinTech companies in Edinburgh | Awesome FinTech\" href=\"https:\/\/www.awesomefintech.com\/city\/edinburgh\/?utm_source=chatgpt.com\">awesomefintech.com<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"19_Level_E_Research\"><\/span>19. <strong>Level E Research<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> AI\u2011driven investment strategy fintech combining ML, data science and economics, spun out of research.<br \/>\n<strong>Comment:<\/strong> Example of research\u2011to\u2011fintech translation via local universities\/innovation. (<a title=\"Top Edinburgh Fintech Companies 2026 | Built In Edinburgh\" href=\"https:\/\/builtinedinburgh.uk\/companies\/type\/fintech-companies?utm_source=chatgpt.com\">builtinedinburgh.uk<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"20_Groov\"><\/span>20. <strong>Groov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Edinburgh, UK<\/em><br \/>\n<strong>What it does:<\/strong> Embedded B2B finance \u2014 connecting payments, software and financial services for merchants.<br \/>\n<strong>Comment:<\/strong> Fintech bridging software and finance infrastructure. (<a title=\"Top Edinburgh Fintech Companies 2026 | Built In Edinburgh\" href=\"https:\/\/builtinedinburgh.uk\/companies\/type\/fintech-companies?utm_source=chatgpt.com\">builtinedinburgh.uk<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Detailed_Case_Studies_Commentary\"><\/span>\u00a0Detailed Case Studies &amp; Commentary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"_LendingCrowd_%E2%80%93_Rapid_Scaling\"><\/span><strong>\u00a0LendingCrowd \u2013 Rapid Scaling<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>LendingCrowd\u2019s growth story is a strong example of scaling from a peer\u2011to\u2011peer startup to an institutional lender. After pivoting its business model, it achieved <strong>207% annual sales growth<\/strong> and delivered over <strong>\u00a3525 million in SME loans<\/strong>, demonstrating investor confidence and market traction. (<a title=\"LendingCrowd\" href=\"https:\/\/www.thetimes.com\/sunday-times-100-tech\/software-profile\/article\/lendingcrowd-0c7n95nqp?utm_source=chatgpt.com\">The Times<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"_Level_E_Research_%E2%80%93_Research%E2%80%91Driven_Fintech\"><\/span><strong>\u00a0Level E Research \u2013 Research\u2011Driven Fintech<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Level E Research originated as a startup from <strong>University of Edinburgh<\/strong> research \u2014 leveraging AI and behavioural economics to develop investment strategies. It showcases how academic insight can be commercialised in fintech for real\u2011world financial modelling, tapping local data science talent and domain expertise. (<a title=\"Top Edinburgh Fintech Companies 2026 | Built In Edinburgh\" href=\"https:\/\/builtinedinburgh.uk\/companies\/type\/fintech-companies?utm_source=chatgpt.com\">builtinedinburgh.uk<\/a>)<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"_Ecosystem_Strength_%E2%80%93_Blockchain_and_Payments\"><\/span><strong>\u00a0Ecosystem Strength \u2013 Blockchain and Payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Edinburgh\u2019s fintech environment includes several blockchain and payment innovators beyond traditional finance. Companies like <strong>Zumo<\/strong> (crypto wallets) and <strong>BR\u2011DGE<\/strong> (payment orchestration) illustrate how fintech in the city extends from classic banking tech to digital assets and enterprise finance tech. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Edinburgh_Fintech_Hub_%E2%80%93_City_Context\"><\/span>\u00a0Edinburgh Fintech Hub \u2013 City Context<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Edinburgh\u2019s fintech sector combines <strong>startups and international scale\u2011ups<\/strong> with major tech operations by global firms like <strong>Avaloq, Broadridge, FNZ, ClearScore, Modulr and TranSwap<\/strong>, attracted by local talent, financial services heritage, and innovation infrastructure. (<a title=\"Software &amp; Technology \u2013 Invest in Edinburgh\" href=\"https:\/\/www.investinedinburgh.com\/fintech?utm_source=chatgpt.com\">Invest in Edinburgh<\/a>)<\/p>\n<p><strong>Ecosystem support:<\/strong> Organisations such as <strong>FinTech Scotland<\/strong> are based in the city and help fintech ventures connect, innovate, and scale within the UK and globally. (<a title=\"FinTech Scotland - Edinburgh Futures Institute\" href=\"https:\/\/efi.ed.ac.uk\/ecosystem\/fintech-scotland\/?utm_source=chatgpt.com\">Edinburgh Futures Institute<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Notes_on_Addresses\"><\/span>\u00a0Notes on Addresses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Many Edinburgh fintechs are based in and around <strong>EH1, EH2 and EH8<\/strong> central business districts, which host clusters of finance and tech firms.<\/li>\n<li>Detailed HQ street addresses can often be found on the companies\u2019 websites, LinkedIn pages, or public business registries \u2014 the city\u2019s fintech cluster is widely recognised.<\/li>\n<li><strong>FinTech Scotland\u2019s registered address:<\/strong> 13\u201315 South College Street, Edinburgh EH8\u202f9AA, GB (cluster body supporting many of these companies). (<a title=\"FinTech Scotland | LinkedIn\" href=\"https:\/\/uk.linkedin.com\/company\/fintech-scotland?utm_source=chatgpt.com\">LinkedIn<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Strategic_Commentary\"><\/span>\u00a0Strategic Commentary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Edinburgh\u2019s fintech sector is diverse<\/strong> \u2014 from lending platforms and budgeting tools to crypto infrastructure, embedded finance and investment AI \u2014 reflecting broad adoption of digital financial solutions across consumer and enterprise markets. (<a title=\"Fintech in Edinburgh - FinTech Scotland :FinTech Scotland\" href=\"https:\/\/www.fintechscotland.com\/about\/why-scotland\/edinburgh\/?utm_source=chatgpt.com\">FinTech Scotland<\/a>)<\/p>\n<p><strong>\u201cThe city\u2019s fintech scene pairs traditional banking expertise with innovation,\u201d<\/strong> attracting global operations and nurturing homegrown startups that scale internationally while retaining roots in the Scottish capital. (<a title=\"Software &amp; Technology \u2013 Invest in Edinburgh\" href=\"https:\/\/www.investinedinburgh.com\/fintech?utm_source=chatgpt.com\">Invest in Edinburgh<\/a>)<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; 1. LendingCrowd (Fintech \u2013 SME lending) Description: Peer\u2011to\u2011peer lending platform for small and medium enterprises; in recent years pivoted to institutional funding and has&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,6],"tags":[],"class_list":["post-992429","post","type-post","status-publish","format-standard","hentry","category-gb-news","category-uk-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>20 Fintech Companies in Edinburgh (Description with Addresses) - UK News &amp; Updates<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukpostcode.org\/content\/20-fintech-companies-in-edinburgh-description-with-addresses\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"20 Fintech Companies in Edinburgh (Description with Addresses) - UK News &amp; Updates\" \/>\n<meta property=\"og:description\" content=\"&nbsp; 1. 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