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.
Founded in 2020 by brothers Ammar and Mohammed (Mo) Amdani, Adapt Ventures operates as a boutique early-stage venture firm and venture studio. The firm is known for its highly…
Alpha Wave is an investment company that has three main verticals; private equity, private credit, and public markets. The objective of the private equity partnerships is to invest in…
BitScale Capital is the Investment firm.
Draper Associates is a Silicon Valley venture capital firm founded in 1985 by Tim Draper. The firm has more than 40 years of experience backing transformative technology companies…
Founder Institute is a pre-seed startup accelerator that offers structured accelerator programs to help entrepreneurs launch and grow technology startups. It provides a core program…
International Blockchain Consulting, also known as IBC Group, is a venture capital firm and global consulting agency founded in 2017. Headquartered in London, United Kingdom, the firm…
KBW Ventures is an asset management company focusing exclusively on venture capital, value creation, and growth equity. It targets direct investments in some of the world's most…
MH Ventures is a venture firm focused on accelerating the decentralized future. It backs and builds the next generation of open blockchain infrastructure, supporting founders and…
Nascent invests in early-stage teams with a focus on missionary founders who are building category-defining companies and protocols It was founded in 2020.
One Way Ventures is a venture capital firm that backs exceptional immigrant founders. The firm engages with early-stage startups and invites founders who are starting up to pitch…
Portal Ventures is a fundamentals-driven early-stage crypto investment firm. The firm focuses on making investments in the cryptocurrency sector, emphasizing rigorous analysis and…
Presight Capital is a venture capital firm investing in the most ambitious founders across sectors, stages, and geographies. Presight takes a global approach to early-stage…
Primitive Ventures is a crypto venture firm led by industry veteran Dovey Wan. The firm believes that crypto represents a new socioeconomic primitive that will redefine individual…
Reciprocal Ventures is a venture firm that partners with crypto founders from day zero. The firm believes blockchain networks are upgrading the internet and capital markets and…
Robot Ventures is a (pre-)seed investor in exceptional fintech and blockchain companies led by founders with big ambitions, and contrarian worldviews.
Seedify is an incubator and launchpad platform for blockchain games and gamers.
Target Global is a pan-European technology investment firm with more than €3 billion in assets under management. The firm invests in technology companies and maintains an active…
TA Ventures is a venture capital firm that invests in ambitious early-stage technology startups. The firm focuses on sectors including HealthTech, FinTech, B2B software, and other…
01 Advisors was founded in 2018 by former Twitter CEO Dick Costolo and former Twitter COO Adam Bain, later joined by former Facebook CRO David Fischer. Positioned as 'For Operators…
10x Founders is a network-driven investor backed by over 200 entrepreneurs and angels. The founding partners (Andreas Etten, Andrej Henkler, Claudius Jablonka, Felix Haas, Jan Becker…
Founded in 2012, 1818 Venture Capital is a Guernsey-based VC firm specialising in early-stage financial services innovation. The firm partners with ambitious founders building…
212 invests in growth-stage tech companies across Turkey, CEE, and MENA. Currently, our fund manages €75 million of committed capital, and 25 investments. Our strategy is to invest in…
Founded in 2018 by a group of seasoned executives including Steven Price and Matt Fremont-Smith, 25madison operates a unique, multi-pronged investment model. The firm incubates…
An Abu Dhabi-based next-generation investment holding company within IHC with an AI-enabled, diversified portfolio across multi-trillion-dollar sectors.
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 country
Fintech investors by city
Fintech investors by stage