London · AI-Native Fintech · Seed & Series A

Finance is being rebuilt.
We back the architects.

Pemberton Ventures backs AI-native fintech companies rebuilding the infrastructure layer of financial services — payments, lending, and embedded finance — at Seed and Series A.

Our Thesis View Portfolio →
Investment Focus

Three conviction areas

Payments & Open Banking

Rebuilding the payment rails and bank connectivity layer. Account-to-account infrastructure, VRP orchestration, and the reconciliation tooling that turns open banking's regulatory opening into a commercial reality.

AI-Powered Lending

Credit decisioning that moves beyond the traditional scorecard. Underwriting on the full texture of financial behaviour — not just credit files, but transaction patterns, cash flows, and behavioural signals in real time.

Embedded Finance

The infrastructure enabling any software company to offer financial products natively. API-first orchestration layers, banking-as-a-service connectors, and compliance abstraction that lets builders focus on product rather than regulation.

Portfolio

Portfolio Companies

Crezco
Open banking payment initiation for B2B transactions — instant account-to-account settlement via Faster Payments.
Seed · 2021
Atlar
AI-native treasury platform for finance teams — real-time cash visibility, automated bank reconciliation, and agentic payment workflows.
Seed · 2022
Toqio
White-label embedded finance platform for SaaS companies deploying payments and lending products.
Seed · 2022
Algbra
Digital banking infrastructure built around ethical finance principles, serving underbanked communities.
Pre-Seed · 2021
Verto
Multi-currency treasury and cross-border payments platform for growing businesses.
Series A · 2023
Fennech Financial
Real-time transaction monitoring and financial crime detection for payment processors and banks.
Seed · 2023
Flowcast
AI credit decisioning engine for lenders — underwriting on transaction behaviour and cash flow signals to extend credit beyond bureau-dependent models.
Seed · 2024
Reflow
Automated regulatory reporting for FCA-regulated firms — CASS, MiFID, and transaction reporting without manual data preparation.
Pre-Seed · 2024
Weavr
Embedded finance API for software companies — compliant path to cards, expense management, and payments without an e-money licence.
Seed · 2021
Volt
Real-time A2A payments network connecting merchants to open banking rails across the UK and Europe.
Seed · 2022
Detected
AI identity fraud prevention — document verification, liveness detection, and behavioural signals to catch synthetic identities at onboarding.
Seed · 2023
Bound
Automated FX hedging for mid-market businesses — forward contracts and currency risk management previously accessible only to large corporates.
Seed · 2024

Fund Overview

£145M Assets Under Management
2 Funds Closed
12 Portfolio Companies
2019 Founded, City of London
Writing

From the Pemberton Desk

All Insights →
21 Mar 2025 Markets

2025 Fintech Outlook: Pemberton Perspectives

Edward Pemberton

Our annual outlook: why 2025 is the year AI-native fintech moves from interesting experiments to foundational infrastructure, and what that means for the companies we are backing now.

Read
6 Jan 2025 Investment Thesis

The Fintech Founder We Back

Edward Pemberton

After five years and twelve investments, we have a clear picture of the founder profile that builds durable fintech infrastructure companies. It is specific, and it is not for everyone.

Read
31 Oct 2024 Lending

Lending Infrastructure: Who Owns the Risk?

Ravi Choudhury

Embedded lending requires a clear answer to the question of who holds the credit risk. Balance sheet lenders, originate-to-distribute models, and risk-sharing partnerships all have different implications for infrastructure architecture and unit economics.

Read
Get in touch

Building something in financial infrastructure?

We meet with founders at every stage of development — pre-product, pre-revenue, or at the point where the architecture decisions are becoming consequential. The best first step is a direct email: tell us what you are building, where you are, and what problem you are convinced needs solving at the infrastructure layer.

[email protected]

+44 20 7946 0258

65 Gresham Street, 3rd Floor, London EC2V 8DS