121 Lending and investments Startups to Watch in 2022

Lending and investments's tech sector is booming. This year’s list of the best 121 Lending and investments tech startups is an eclectic mix of hyper-growth scaleups, small creative startups and everything in between.

The last update was made on January 21, 2023.

Curated by @gonsanchezs

Lending and investments 10+ employees Fast-growing

Get smarter about European tech

Get 5-minute company & industry reports every Friday.


Curve is an Over The Top banking platform that consolidates all bank cards into a single smart card and app.

London   101-250   $74,195,357  


Monzo is a London-based digital-only bank platform.

London   251-500   $417,342,054  


Klarna is an e-commerce payment solutions platform for merchants and shoppers.

Stockholm   1001-5000   $1,234,713,450  


N26 offers mobile banking solutions to customers in the European Union through its subsidiary.

Berlin   1001-5000   $682,793,075  


eToro is a social trading and investment marketplace that allows users to trade currencies, commodities, indices, and stocks.

London   501-1000   $222,700,000  

Get the full list of 9,200+ European tech companies

Download a carefully-curated .csv of over 9,200+ fast-growing European tech companies you can research, apply to and do business with.

Learn more

Seedrs is a UK-based equity crowdfunding platform.

London   101-250   $71,333,623  

Draper Esprit

Draper Esprit is a Pan-European venture capital fund that invests into disruptive tech companies at the early and growth stages.

London   11-50   $63,273,839  


Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally.

London   501-1000   $570,403,724  


iBanFirst operates as a financial services platform for SMEs.

Brussels   11-50   $28,000,000  


Mambu is an SaaS banking engine powering innovative lending and deposits.

Berlin   101-250   $47,960,252  


Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.

Berlin   51-100   $206,007,634  


The next-generation credit platform that's redefining lending to lower mid-market businesses globally

London   501-1000   $1,041,034,144  


October is an online marketplace for business loans, enabling investors to lend money directly to small- and medium-sized enterprises.

Paris   51-100   $309,452,316  


Tink is a cloud-based platform that provides the infrastructure and data products that are enabling the future of financial services.

Stockholm   251-500   $105,615,958  


Darktrace is an artificial intelligence company for cyber security.

Cambridge   501-1000   $230,500,000  


SolarisBank offers a platform that enables digital companies to create custom solutions for their unique financial needs.

Berlin   101-250   $111,216,635  


Monese is an online banking platform that offers quick current account opening for all EU residents.

Tallinn   251-500   $80,379,706  


Tide is a fintech and banking company that gives time back to business owners, so they can get back to doing what they love.

London   101-250   $95,236,961  


bunq is the Bank of The Free. A totally independent bank that makes life easy.

Amsterdam   101-250   $52,127,814  


TrueLayer provides a platform to build financial apps that connect to bank data, verify accounts, and access transactions in real time.

London   11-50   $46,800,000  


Soldo is a multi-user expense account helping companies manage their budgets.

London   51-100   $83,200,000  


Agricool grows local, tasty and pesticide-free fruits and vegetables by recycling shipping containers into urban farms.

Paris   51-100   $38,948,161  


Bnext is the leading mobile-first neobank of Spain

Madrid   51-100   $29,743,162  


Revolut is a digital banking alternative for instant payment notifications: free international money transfers and global fee-free spending.

London   1001-5000   $336,945,269  


Revolut is a digital banking alternative for instant payment notifications: free international money transfers and global fee-free spending.

London   1001-5000   $336,945,269  


Luxoft is an IT company that works globally to give customers software development, product engineering, and consulting.

Zug   10001   $102,400,000  


Digital financial solutions for the Italian SME market

Milan   51-100   $2,400,000  


Penta is a digital platform for business banking aimed at SMEs and startups.

Berlin   51-100   $19,822,423  

Thought Machine

Thought Machine are building Vault, a next-generation core banking system for banks.

London   51-100   $23,631,009  

Chip Financial

Chip an automatic savings app that does all the hard work to make saving money as easy as spending it.

London   11-50   $15,361,047  


Pipedrive is a Web-based Sales CRM.

Tallinn   101-250   $90,200,000  


Satispay is a smart payment platform that enables individuals and merchants to send and receive payments.

Milan   51-100   $50,588,286  


CrossLend designs a cross-border marketplace lending platform that makes pan-European investments possible via a single platform.

Berlin   101-250   $55,027,505  


Scandit develops software for barcode scanning, text and objects recognition, and delivering real-time insights through augmented reality.

Zürich     $43,000,000  


BUX makes it easy and affordable for people to engage in the financial markets through mobile platforms.

Amsterdam   101-250   $35,288,921  


ClearBank is the UK’s first new clearing bank in more than 250 years.

London     $78,318,041  


Worldcoo is a social company aimed at funding NGO projects through omnichannel committed companies and their users.

Barcelona   11-50   $2,947,334  

Augmentum Fintech

Augmentum Fintech is a venture capital fund with a focus in fast growing and/or high potential FinTech companies in the UK and Europe.

London   1-10   $33,460,888  


Divido is a global white label consumer lending platform for financial institutions and multinational retailers.

London   51-100   $18,979,930  


Fintonic is a free application that enables anyone to organize accounts and saving money.

Madrid   51-100   $50,934,536  


Moneybox is a mobile savings and investment app that enables users to round up their digital spare change into a Stocks & Shares ISA.

London   11-50   $23,304,203  


Bitwala is the bank account of the blockchain economy.

Berlin   11-50   $21,791,654  

Starling Bank

Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances.

London   501-1000   $349,535,281  

Tinkoff Bank

Tinkoff Bank is a credit card company and an online bank in Russia.

Moscow   5001-10000   $90,000,000  


TotallyMoney puts customers right at the center of their credit data, helping them make smarter financial decisions.

London   11-50   $71,549,530  


Kard is a mobile banking alternative for the new generation, offering a never-seen-before customer experience that is cool, social & free.

Paris   11-50   $3,608,437  


Chronext is is a full-service platform for luxury watch trading where clients can buy, sell luxury watches.

Cologne   101-250   $51,629,212  


Rewire develops global digital banking solutions for internationals who manage their lives in two or more countries.

Tel Aviv   51-100   $12,000,000  


Anyfin puts a stop to overpriced financial products to save money on private loans by taking a photo.

Stockholm   11-50   $8,962,681  


Dostavista is a global crowdsourced same-day delivery service.

Moscow   101-250   $20,050,000  


Anaxago is a brand new crowdfunding platform dedicated to innovative companies.

Paris   11-50   $2,625,853  


One of Europe's fastest growing FinTech companies driving innovation in payments and lending.

Helsinki   101-250   $158,936,030  


Xolo is a all-in-one SaaS platform for solopreneurs, bringing together banking, company formation, accounting and compliance.

Tallinn   51-100   $8,903,077  


Decisions extends Office 365 with a solution to plan, organize and run successful meetings.

Oslo   51-100   $1,309,336  


Credimi is developing a new product of digital lending targeted to SMEs and institutional investors.

Milan   1-10   $20,006,609  


Providing a full suite SaaS solution to setup, raise and manage an alternative investment fund e.g. Real estate, Private Equity, Hedge Fund

Berlin   11-50   $8,742,642  


Bonify is a Fintech startup based in Berlin that offers credit scoring tools and services to its users.

Berlin   11-50   $5,834,949  


Kreditz real-time credit score based on bank transaction data from the past 12 months.

Stockholm   11-50   $933,411  


Holvi is digital banking for freelancers and small business owners.

Helsinki   101-250   $5,254,438  


Fast and easy device onboarding for industrial IoT solutions

Copenhagen   11-50   $1,392,939  


AerCap is the global leader in aircraft leasing and aviation finance.

Dublin   251-500   $700,000,000  

Compte Nickel

Compte Nickel is a service bank account alternative and means of French Payment.

Paris   11-50   $10,200,000  


Ohpen is a cloud-based core banking engine. Built by former retail bankers to administer retail investment and savings accounts. Ohpen liberates banks from their legacy systems and processes.

Amsterdam   101-250   $47,935,667  


FinLab is a Germany-based investment company engaged in the building of companies in the financial services technologies.

Frankfurt   11-50   $12,822,195  


Crypterium mobile app allows instant payments in cryptocurrency. Whatever you can do with your money, you can now do with your crypto.

Tallinn   11-50   $51,600,000  


Capcito – Takes invoice financing and SME lending to the next level through technology and applying data-driven decision making.

Stockholm   11-50   $11,460,083  


Startupxplore is a premium startup investment platform that allows unexperienced and time-savvy investors to diversify their portfolio .

Valencia   1-10   $1,023,139  


kubit is developing field proven software for capturing existing conditions into the AutoCAD environment.

Dresden   43840    


A neobank tailored specifically for investors.

Valencia   11-50   $2,453,377  


Mitigram is a platform that offers secure, instantaneous interactions across the global trade finance instrument ecosphere.

Stockholm   11-50   $17,060,896  


It is specialises in providing Swiss KMUs with state of the art Insurance and Receivables Finance solutions.

Zürich   11-50   $103,499,300  


Bondora is an online platform for fixed-income investments in European personal loans.

Tallinn   51-100   $8,753,493  


CGTrader is the world's preferred source for quality 3D content, optimized for e-Commerce, Gaming, AR/VR, Entertainment and 3D Printing.

Vilnius   51-100   $2,612,321  


Eurazeo is a private equity and venture capital firm investing in Europe, Asia, and America.

Paris   101-250   $890,972,269  


Nordigen is building transaction analytics tools for banks and lenders

Riga   11-50   $1,031,865  


All your small business management and financing solutions - in one app

Brussels   11-50   $21,867,390  


NDGIT provides the API platform for banking and insurance.

Munich   11-50   $5,699,397  


Imagen is a modular enterprise video platform that enables content owners to publish and monetize media archives.

Cambridge   11-50   $17,108,657  

Etix Everywhere

Etix Everywhere design, build an operate colocation + turnkey data centers in Europe, Africa, Middle-East and the Americas.

Luxembourg   51-100   $79,984,507  

Covr Security

Covr Security meet the growing demand for highly secure, user-centric control over mobile security and digitized personal information.

Malmö   11-50   $3,849,146  


DEGIRO provides an online broker platform for all types of investors, clients trade with incredibly low fees on markets worldwide.

Amsterdam   101-250   $8,552,660  


Five Degrees is a financial technology provider offering real alternative to banks and other financial institutions.

Amsterdam   51-100   $10,649,627  

Open Mineral

Open Mineral is an online exchange for physical commodities, connecting buyers and sellers to trade directly, efficiently, and transparently

Zug   11-50   $7,689,919  


norbloc’s Blockchain KYC products enable Individuals, organizations and regulators to manage and share verified Know Your Customer data

Stockholm   11-50   $1,600,000  

Assure Hedge

Assure Hedge provides automated currency hedging solutions for individuals, businesses and institutions.

Dublin   11-50   $6,479,862  


additiv is a provider in the field of digitization of banks, asset managers and insurers.

Zürich   101-250   $21,445,355  

Linked Finance

Linked Finance offers a new and painless way for Irish businesses to borrow money from a large group of real people.

Dublin   11-50   $63,219,882  


AdviceRobo offers psychographic and behavioural credit scoring and credit decision engines

Amsterdam   11-50   $6,351,808  


New modern banking services for personal and business use

Brussels   11-50   $9,356,253  


gridscale is an innovative technology, creates the basis for sophisticated cloud solutions.

Cologne   11-50   $8,114,355  


wikifolio is an Austria-based online platform for investment strategies of traders and asset managers.

Vienna   11-50   $8,196,665  


Dyme puts all of your subscriptions in one place. Manage, cancel, and switch your subscriptions from the Dyme app.

Amsterdam   11-50   $722,161  


CoinLoan is a trusted crypto-to-fiat lending platform with a P2P economy.

Tallinn   11-50   $3,050,000  

Piwik PRO

Piwik PRO is an analytics and customer data platform tailored to the individual needs of enterprise clients.

Wroclaw   101-250   $2,000,000  


Kahoot! is a game-based learning platform that makes it easy to create, share and play fun learning games or trivia quizzes in minutes.

Oslo   101-250   $58,886,598  

Sequana Medical

Sequana Medical is a Swiss medical device company providing implantable pump systems to manage fluid balance within the body.

Zürich   11-50   $70,701,814  


Infogram, a software company, develops web-based data visualization app that helps users make beautiful charts, maps and infographics.

Riga   11-50   $2,066,347  

SAGE Group

SAGE is a Swiss leading software publisher dedicated to the Wealth Management industry.

Lausanne   10001    


We specialise in customer-centric mobile banking solutions, which we offer as microservices to financial institutions.

Helsinki   11-50   $466,739  

Content Insights

Content Insights is a SaaS editorial intelligence suite providing information on how to have more effective and efficient content production

Sofia   11-50   $4,822,730  


Condition Monitoring service based on Machine Learning and proprietary sensors.

Amsterdam   11-50   $636,979  


YaClass is an edutech startup offering K12 online programs in math, sciences and languages, as well as preparation tests for state exams.

Riga   51-100   $790,980  

Creavo Medical Technologies

Creavo Medical Technologies is an innovative British company developing diagnostics technology for acute medical settings.

Leeds   11-50   $26,618,324  


Look&Fin allows people to invest in companies in exchange for a share of future revenue.

Brussels   1-10   $9,929,135  


Bloomio is a seed stage crowdfunding capital based on blockchain technology.

Zug   11-50   $2,247,084  


Fast-growing technology company providing digital supply chains solutions across the retail and healthcare sectors.

Reading   11-50   $10,359,868  


Paysic is the first blockchain-based platform to provide fiat to fiat transactions using blockchain technology.

Tallinn   11-50   $215,000  


Custom Software Development Company, Mobile App Development & Azure / AWS Cloud Consulting Services, BizTalk Application Development Company

Barcelona   11-50    


Koosmik is a Luxembourg-based company whose services span mobile banking, electronic payments and IT consulting.

Luxembourg   43840   $3,142,174  

Deposit Solutions

Deposit Solutions is provider of the open banking platform for deposits connecting banks and depositors.

Hamburg   101-250   $198,871,071  


Stonestep is a next generation insurance platform offers integrated sales and customer experience tools.

Zug   43840   $4,000,000  


A leading global channel banking software provider delivering ATM, mobile and internet technology to financial institutions.

Dublin   101-250   $15,065,000  


Genkyotex develops innovative drugs to block the NOX enzymes that produce oxygen radicals.

Geneva   11-50   $81,766,762  


Deliberry is the leading food marketplace in Spain, with a disruptive model that is changing the consumer sector and buying habits.

Barcelona   11-50   $3,331,005  


Airgreets offers professional and complete management of Airbnb rentals.

Munich   11-50   $1,241,244  

healthbank innovation

healthbank, a health-related data transaction platform, allows people across the globe to exchange health data in a secure & compliant way

Zug   43840   $6,297,731  


CoreView is the global leader in Office 365 management, reporting, monitoring and security auditing solutions.

Milan     $20,000,000  


They build high performance, resilient and scalable software systems to enable businesses across locations.

Porto   11-50    


Multifunctional and democratic exchange. As the first on the market, we give financial benefits to active users.

Tallinn   11-50   $3,500,000  


FaceRig is an upcoming program enabling anyone with a webcam to digitally embody any character they want.

Bucharest   1-10   $2,300,000  


Alternative Investment Marketplace

Vilnius   11-50   $3,021,473  


Austria's largest network for startup investors

Vienna   11-50   $1,133,947  

Hot WiFi

Platform that manages guest WiFi with authorization. Provides marketing opportunities and SMS-identification.

Moscow   11-50   $704,736  

LVS Brokers

AI based brokering - connecting banks and lenders to consumers

Helsinki   11-50   $10,200,736  

LNC Therapeutics

LNC Therapeutics is developing gut microbiota directed drugs to target obesity and associated cardiometabolic diseases.

Bordeaux   11-50   $12,248,821  


Tangany provides the European Blockchain infrastructure for companies (B2B SaaS).

Munich   1-10   $221,837  

Get the full list of 9,200+ Lending and investments & European tech companies

Download a carefully-curated .csv of over 9,200+ fast-growing European tech companies you can research, apply to and do business with.

  • 🏢 Company
  • 📊 Industry
  • 🌎 Location
  • 💰 Money Raised
  • 🔗 URL
  • 💼 Linkedin URL
  • 👤 Company Size
  • ➕ and more
Download for €29

⚠️ Price goes up to €99 on February 04


  • Company
  • Hopin
  • Glovo
  • N26
  • Curve
  • Pipedrive
  • TIER
  • Industry
  • Events
  • Food
  • Fintech
  • Fintech
  • Sales
  • Mobility
  • Location
  • London
  • Barcelona
  • Berlin
  • London
  • Tallinn
  • Berlin
  • Raise
  • $125M
  • $169M
  • $100M
  • $59M
  • $500M
  • $250M
  • URL
  • hopin.com
  • glovo.com
  • n26.com
  • curve.com
  • pipedrive.com
  • tier.app

Explore other top startups & industries across Europe

Femtech Trends ♀️

The term femtech was coined by European entrepreneur Ida Tin in 2016 so it’s only natural to explore it.

London Startups

Forget all about Brexit. Europe's tech capital is still booming with fintech at its core.

Berlin Startups

In Berlin, a new startup is founded every 20 minutes. What else is there to say?