“Can a modular, API-first infrastructure layer let any fintech team launch banking, cards, and lending products by assembling pre-integrated building blocks rather than negotiating dozens of individual vendor contracts?”
Founded in 2019 by Alistair Cotton, Integrated Finance is a London-based BaaS infrastructure platform designed to reduce fintech setup time by offering modular, API-first building blocks for banking, cards, wallets, lending, and open banking. Rather than competing directly with BaaS providers, the platform positions itself as an orchestration layer that aggregates multiple third-party providers (ClearBank, Nium, card issuers, open banking TPPs) into a unified developer experience. The company targets fintech builders who want to launch financial products without assembling point solutions from scratch.
Integrated Finance discloses ClearBank as its banking provider, according to the Embedded Finance Index 2026.
Integrated Finance does not disclose a bank charter of its own; its banking services are provided through ClearBank.
Integrated Finance uses Nium for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Integrated Finance's stack: Banking / BaaS (ClearBank); Lending (Merchant cash advance and Salary advance); Unified APIs (Nium); FX & payouts (Nium).
Integrated Finance was founded by Alistair Cotton and is founded in 2019, headquartered in London, United Kingdom.
Integrated Finance has raised $3.42M in total (latest round: Later Stage VC).
Get a read on where your own stack stands against Integrated Finance and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.