Fintech investors
Fintech investors back companies that move, store, lend or insure money, and the infrastructure the rest of them build on. The sector is regulated in every market, capital-intensive in some models, and large enough that a narrow product can become a big business.
The firms on this list name fintech as a focus on their own website. Each cites its own site as the source for what is written here.
HBAN is an all-island umbrella group responsible for the development of business angel syndicates. HBAN actively works to increase the number of angel investors involved in investing…
Midlothian Angel Network is a financial services organization based in Texas that operates an angel investment network. It connects investors with early-stage companies, focusing on…
Founded in 2022 by Timur Daudpota and Sun Choi, 2080 Ventures operates as a hybrid venture accelerator and early-stage VC firm. The firm focuses on bridging emerging markets (Asia…
6 Degrees Capital is a venture capital firm that invests in startups from Seed to Series B stages across fintech, enterprise software, and artificial intelligence. The firm is…
Founded in 2024 by Jason Ma, Athabasca Capital operates as an early-stage investment vehicle focused entirely on the Web3 ecosystem. The firm positions itself as a trusted partner in…
Franklin Resources is a global investment management organization known as Franklin Templeton Investments. They have an extensive global presence, including offices in 35 countries…
Kubide es un estudio de desarrollo e inversión en Startups tecnológicas que nació en 2010 con el propósito de revolucionar el sector del emprendimiento en España, aportando a los…
Mamacrowd is the equity crowdfunding platform.
MundiLab is an innovation and acceleration hub focused on insurtech solutions for the insurance industry. It runs an acceleration program designed to help startups leverage new…
AECID is a public law entity attached to the Ministry of Foreign Affairs, European Union and Cooperation of Spain, serving as the cornerstone of the Spanish Cooperation system.…
Founded in 1939, Stena AB is a global conglomerate with deep roots in shipping, ferry lines, offshore drilling, and real estate. It is part of the "Stena Sphere," wholly owned by the…
Founded in Q2 2023 by Taranveer Sabharwal, STIX operates a privacy-first, data-driven OTC platform for trading illiquid digital assets, locked tokens, and crypto equities. Beyond its…
Türkiye İş Bankası is a major Turkish bank providing personal banking services. It offers a wide range of financial products to retail customers and is recognized as a leading brand…
Upfront Ventures is proud to be an early investor and long-term partner to the most exciting founders and startups. Founded in 1996 in Los Angeles with investing professionals based…
WTW is a leading global advisory, broking, and solutions company. Its dedicated Investments business operates as an Outsourced Chief Investment Officer (OCIO) and asset manager…
YAY Network is a leading investment syndicate composed of industry leaders, venture capitalists, developers, and the advanced retail community. The organization focuses on investment…
Founded in 2021, 4SV focuses on identifying and supporting innovative blockchain projects poised to make significant impacts across various industries. The firm leverages its…
Founded by the highly influential, pseudonymous NFT thought leader "Punk6529", 6529 Capital was established to help traditional and institutional investors access the digital asset…
Adevinta Ventures was established as the strategic investment arm of Adevinta, a global online classifieds specialist managing household brands like Leboncoin (France), Mobile.de…
Agoranov is a public Science & Tech incubator that provides mentorship, office space, funding, and consultancy services to startups. The company is based in Paris. Agoranov has…
Alpha Protocol Ventures (APV) is a venture capital firm and incubator founded in 2023 and based in Athens, Greece. The firm launched with a $20 million fund to target the Web3…
Alpha Vertex is a hybrid venture capital firm and venture builder based in Madrid. It focuses on turning early-stage technology ideas into scalable startups from idea stage through…
Founded in 2020 by Meir Bank, John Gower, and Daniel Warrick, AngelDAO operates as a decentralized autonomous organization deployed on Aragon and Gnosis SAFE. The firm leverages a…
Apollo Capital LLC is an organization that supports Polish companies in developing their presence in the United States. It assists entrepreneurs with establishing U.S. entities or…
What fintech investors look for
A regulatory position.
Which licences the company holds or relies on, in which markets, and what the plan is for the next ones. Investors in this sector ask about the regulator before they ask about the product.
Unit economics that include the cost of money.
Lending, payments and insurance all carry costs that software does not: capital, losses, interchange and fraud. Investors want to see margin after those, and how it changes with scale.
Trust, and how it is earned.
Customers give a fintech their money. Investors look for security, compliance and operations that a customer would trust, and evidence that customers do.
Distribution.
Financial products are sold, embedded or defaulted into. The company should know its route to customers and what it costs, because acquisition cost sinks more fintechs than product does.
A reason incumbents cannot follow.
Banks and established providers have distribution and balance sheets. Investors want to see the structural reason this company wins a segment that incumbents cannot or will not serve.
Raising in fintech
Fintech diligence includes regulatory review, and in lending or insurance it includes a look at the loan book or the underwriting model. A founder should expect investors to bring specialists, and to ask for data at a granularity that a software company would never be asked for.
Have ready: the licensing map, the compliance function and who runs it, unit economics by product with the cost of capital and losses included, fraud rates, and the partnerships the product depends on, such as banking or card partners.
Some fintech models need debt as well as equity. Investors will ask how the company funds its balance sheet, and a founder raising equity for a lending business should have a plan for the debt facility that comes next.
Questions
Do I need a licence to raise from fintech investors?
It depends on the product and the market. Many companies operate under a partner's licence at first. Investors want to know which model the company uses, why, and what changes as it grows.
What is embedded finance?
Financial products offered inside another company's product, such as payments inside a marketplace or lending inside accounting software. Investors like it for its distribution and watch it for its dependence on the host.
How do investors think about lending businesses?
As two businesses: a technology company and a balance sheet. They value the two differently, and they want to see that the credit model works through a full cycle, which is why lending rounds often wait for more history.
Is B2B fintech different from consumer fintech?
The buyer and the acquisition cost differ. Consumer fintech needs cheap distribution at scale. Business fintech needs a sales motion and usually carries higher revenue per customer. Many investors specialise in one.
What are the most common reasons fintech companies fail?
Acquisition cost, losses that exceed the model, and regulatory change. Investors assess each in diligence, and the strongest pitches address all three before being asked.
Fintech investors by city
Fintech investors by stage