Fintech · Finland
Fintech startups in Finland
Early-stage fintech companies headquartered in Finland, founded in the last 5 years. Drawn from public sources.
How we choose these companies
A public directory of early-stage European fintech startups. We aim to list every company that fits, not a hand-picked few. Here is exactly what that means, and why:
- European: headquartered in Europe (EU, EEA, UK, Switzerland and nearby). We go by where a company is based, not just where it sells, because this is a map of the European ecosystem.
- Early-stage: founded in the last 5 years. That is where the new ideas and the most active part of the ecosystem are; established household-name scaleups are a different list.
- A real product company: builds a scalable technology product or platform. We leave out agencies, consultancies and local service businesses, which do not follow the same path.
- Independent: a standalone company, not a subsidiary or brand of a larger corporation.
- Active: currently operating, with a live website. We re-check regularly and remove companies that shut down, get acquired, or move out of scope.
We list only public information about what each company does. We deliberately do not track or show fundraising: who is raising, who is investing, or how much. This is a directory of companies, not a deal database.
Missing a company, or see something off? Suggest an addition or report an issue.
11 early-stage fintech startups in Finland
A comprehensive list from public sources, not a hand-picked few.
Bonde
Helsinki, FinlandA digital real estate platform automating property transactions and matching homebuyers with optimal financing options.
Caleido
Helsinki, FinlandProvides a cash-flow-first financial planning and analysis (FP&A) platform to help SMEs automate reporting, forecast cash flow, and manage profitability.
Enable Banking
Espoo, FinlandProvides direct, middleman-free open banking connectivity APIs for secure financial data integration.
FinanceKey
Helsinki, FinlandProvides an API-based real-time cash management and payment automation platform for enterprise treasury teams.
Inven
Helsinki, FinlandDevelops an AI-native deal sourcing and market intelligence platform that maps and analyzes millions of private companies for M&A professionals.
Kulta
Helsinki, FinlandA subscription and monetization platform designed specifically for independent digital creators.
Kvarn Capital
Helsinki, FinlandOperates a regulated digital asset brokerage, investment, and custody platform integrating traditional finance with crypto markets.
Membrane Finance
Helsinki, FinlandDeveloper of EUROe, a regulated, euro-backed stablecoin and payment infrastructure.
Narvi Payments
Helsinki, FinlandOffers real-time business banking, dedicated IBAN accounts, and cross-border SEPA and SWIFT payment solutions via an API-first platform.
Rensa
Vaasa, FinlandDevelops an AI-powered personal finance management and debt-repayment application.
SparkReceipt
Tampere, FinlandBuilds an AI-powered pre-accounting and receipt scanning SaaS platform to help freelancers and small businesses automate expense tracking and document management.
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