NatWest Bank

Making banking work, without the paperwork

Neobanks

Based in Sweden, DBT is a digital lender serving SMEs listed in Sweden. It uses a proprietary credit intelligence platform that leverages real-time client data to provide funding. The company claims to process applications 3x faster than traditional banks, with approvals given within a week.It offers both short- and long-term loans between SEK 3 million to SEK 30 million (USD 270,000 to USD 2.7 million) for expansion, acquisitions, capital expenditure, working capital as well as to refinance existing loans. It also allows SaaS companies to pledge their future revenue streams for upfront capital.Key customers and partnershipsDBT reported that, as of March 2024, it had provided funding to over 300 SME Ms, including Aerowash, Captario, Sensec, International Aluminium Casting, and Sitoo. It also claimed that repeat customers account for 30% of its business.Funding and financialsThe company secured a <a href="https://sp-edge.com/updates/13516">SEK 3.1 billion (USD 280 million) debt facility</a> from NatWest and Värde Partners in October 2022, with the funds geared toward financing its lending capabilities. As of the same date, DBT also reported to have lent more than SEK 2 billion (USD 180 million).In February 2024, DBT raised SEK 285 million (~USD 27.1 million) in debt financing from the European Investment Fund. The company planned to use the funds to issue lendings to Swedish SMEs.

Eliminating financial intermediaries by directly connecting individuals and businesses

P2P Financial Platforms

<div>
 
 Wise (formerly TransferWise) is a financial technology company that provides low-cost international money transfers and multi-currency accounts for individuals and businesses. Founded in 2011 and based in London, Wise operates a peer-to-peer network that allows customers to transfer money across borders without the high fees and markups charged by traditional banks.
 
 
 
 
 Wise's core offering is a money transfer service that leverages the mid-market exchange rate and charges transparent, upfront fees rather than hiding markups in exchange rates. It supports transfers to over 160 countries across 50+ currencies. For personal users, transfers up to around USD 5,000 tend to be most cost-effective through Wise.
 
 
 
 
 In addition to money transfers, Wise provides multi-currency accounts that allow customers to hold, convert between, spend, and receive over 40 currencies. Users can get local bank details in 10 major currencies like USD, GBP, and EUR to receive money like a local. The Wise debit card enables spending in over 170 countries at the mid-market rate.
 
 
 
 
 Wise is regulated by financial authorities in the countries where it operates, including FinCEN in the US It has over 16 million customers and processed USD 11 billion in cross-border transactions per month as of 2024. Key features include low transparent pricing, fast transfers (50%+ instant, 90% within 24 hours), and user-friendly web/mobile interfaces.
 
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MCR Property Group is a real estate firm that expertise in acquisition, development, real estate investment & property management services.

Open Bionics make the Hero Arm, a multi-grip bionic arm for people with upper limb differences. Open Bionics mission is to make the most advanced bionic technology more accessible to the people that need it. The Hero Arm is the lightest bionic arm on the market, and the only one with a ventilated, adjustable socket and removable aesthetic covers. Wearers have a choice of the design aesthetic, including the official Disney Frozen, Iron Man, R2D2 and BB8 designs.

Incommunities is a housing association based in Bradford and we provide affordable, high quality homes, principally for rent in neighbourhoods across the Bradford District. We currently manage and own 21,500 high quality and affordable homes in the district and almost 1,000 leasehold properties. We offer a range of housing options and services aimed at meeting the needs of our local communities. 2012 is the 9th year of business for Incommunities. We are committed to help build better neighbourhoods.

Elixirr is a management consultancy firm.

In an era where value has never been more scrutinised, modern consumers expect more from their purchases than ever before. From subscriptions to supermarkets, financial institutions to fitness facilities, rewards and perks are now essential to an organisation’s value proposition. Building and maintaining that solution is costly and time-consuming, and the distraction can be a significant opportunity cost for in-house teams. Propello solves that problem with a rapid go-to-market ‘plug and play’ solution, instantly enabling our clients to build valuable rewards and partnership programmes with our combined tech and content-enabled platform.

Amey provides full life-cycle engineering, operations, and decarbonization solutions for transportation infrastructure and complex facilities.

Raylo is a smartphone subscription startup that aims to make mobile simple, smart, and more sustainable. When customers are ready to upgrade, they return their old products, which are refurbished and re-sold in Raylo's circular process for maximum lifespan and sustainability. It enables consumers to gain access to the most recent products through a monthly subscription that is both cost-effective and environmentally friendly. Raylo's retailer pipeline spans several categories, including consumer electronics.

Fibrus is a telecommunication company that provides fiber internet service.

Wessex Water is a regional utility service that offers water and water services to its customers.

Plantforce is a supplier of technology-advanced plant hire machinery tailored to the construction, major project, and energy industries.

Bristow Leasing aircraft passenger transport equipment is rented and leased.

Wockhardt USA is a pharmaceutical company specializing in generic and specialty pharmaceutical products.

SixFive is a telecom company that provides SMS messaging, voice messaging, and number validation services.

Unleashing Net Zero - Making net zero possible and profitable for all organisations.

Bristow Group Inc. (Bristow Group) is a provider of helicopter services to the worldwide offshore energy industry based on the number of aircraft operated and one of two helicopter service providers to the offshore energy industry with global operations. Bristow Group has transportation operations in the North Sea, Nigeria and the United States Gulf of Mexico, and in most of the other offshore energy producing regions of the world, including Alaska, Australia, Brazil, Russia and Trinidad. Bristow Group conducts its business in one segment: Helicopter Services. The Helicopter Services segment operations are conducted primarily through five business units: Europe, West Africa, North America, Australia, and Other International. During the fiscal year ended March 31, 2012, the Company generated 82% and 93% of its consolidated operating revenue and business unit operating income, respectively, from operations outside of the United States.

Statera Energy is a company that generates, transmissions, and distributes electric energy.

Onate provides financial services such as property bridging loans, debt settlement, residential auction purchases, and social housing.

Pacific Green Technologies has developed a portfolio of patented, emission control technologies that remove pollutants from marine engine, power plant and waste incinerator exhaust streams to meet increasingly stringent environmental standards.

TAB was founded in early 2018 when they found that some of the most exciting property projects didn’t fit well within the constraints of traditional lenders’ more rigid and often computer-generated funding criteria. They saw a need for a lender that understood the requirements of bridging loans and had the experience to transact swiftly while taking a prudent approach to risk. As a result, they designed their lending model to have the flexibility to consider the wider spectrum of a borrower’s circumstances. Through varied funding sources from institutions to individuals they can finance a diverse range of project.

Amplifi Capital is a consumer platform that offers unsecured personal loans, providing access to near-prime consumers.

A unique experience, Everyman Cinemas is an independent network of boutique cinemas. With a passion for quality, from service of food and drink to seating and films, every cinema also has a unique bar or foyer space. Roman Polanski once remarked that “Cinema should make you forget you are sitting in a theatre”, our cinemas do just that, they create a truly memorable experience that exceeds expectations and reaches the highest standards possible in comfort and entertainment.   Everyman is one of the fastest growing independent networks in the UK and will be expanding into numerous new sites over the next two years. Present venues range from the iconic 100 year old Screen on the Green, to brand new boutique spaces in Canary Wharf and Birmingham Mailbox.   Current locations: Stratford Upon Avon, Chelmsford, Harrogate, King's Cross, Bristol, Gerrards Cross, Esher, Barnet, Muswell Hill, Belsize Park, Hampstead, Maida Vale, Islington, Baker Street, Canary Wharf, Leeds, Walton-on-Thames, Winchester, Oxted, Reigate and Birmingham.  The cinemas owned by the Group are operated under the ‘Everyman’ brand, spearheading the revival of independent cinema in the UK.

GridServe  provides world class, turnkey product and service solutions that  deliver dependable, low cost, clean energy for the most demanding critical power infrastructure applications.

Impact Healthcare REIT is a real estate company. They offer healthcare real estate assets, in particular residential care homes, and lease them to care home operators.

Invenergy is a privately-held developer and operator of sustainable energy solutions. It has developed nearly 150 projects, including wind, solar, and natural gas power generation as well as advanced energy storage facilities.

Since 1983 Peninsula has been providing professional services to small businesses across the UK. They started small theirselves, just a few people in a room. So, although they’ve grown over the years, their values remain the same. They know what small businesses need because they are still a small business at heart. Their first specialism was employment law. For a small business to navigate that maze is next to impossible without the right help. But the cost of having an HR professional on staff is too high for most small businesses, and traditional lawyers often don’t understand small business needs.

A game changing way to pay for your next car in minutes! Take control of your car finance through the Carmoola app. No hidden fees or broker commissions.  Get the wheels you've been waiting for. Manage your finance and spread the cost of your ride with a plan that suits you.  24/7 support, no call centres, no faff.

Carbonplace is a carbon credit transaction network that will enable the secure, and transparent transfer of certified carbon credits.

MOGUNTIA FOOD GROUP  is a spicy food production company. They provide services in butchery, the meat industry, the food industry, food service, and private label production for the food retail sector. They offer also gluten-free and egg-free coatings. They offer sauce products in powder, paste, granulates form. They are your manufacturer and supplier of all types of soups. They can be reached by phone and email.

Updraft is a lending, credit report, and financial planning application for millennials. They help people break up with their credit cards and manage their money. Their app is available on the iPhone. They turn borrowers into savers by automating the decisions involved in managing money and mainstream borrowings.

Synertec specializes in communications automation.

DBT is a LendTech company that provides business loans for SMEs. DBT's credit tech platform analyzes data from companies seeking financing in order to provide a more accurate risk assessment and faster decision times. DBT assists companies in all industries in their growth.

Aquila Clean Energy is an energy platform that develops and operates clean energy assets including solar, wind, and battery storage. They design and install photovoltaic systems throughout Europe, as well as manage hydroelectric power plants in Northern and Southern Europe. Singapore, its main Asian location, will be an important part of its Clean Energy growth story. The company currently has a pipeline of more than 50 projects in Spain and Portugal, with a total capacity of 2.6 GW of solar PV (solar photovoltaics) and onshore wind assets.

CityFibre operates as an independent provider of fiber infrastructure in secondary cities. It develops a digital infrastructure that allows wholesale customers to offer broadband, ethernet, and 5G services to homes and businesses.

Gigaclear is one of the fastest and most reliable broadband networks in the UK. Delivered only to rural areas of England we deliver better broadband than is available to most towns and cities. With ultrafast, pure fibre broadband, available to every one of their customers, rural communities will be ready to meet the demands of Internet services of the future. Founded in December 2010 by Matthew Hare, the Chief Executive, the company has grown steadily ever since,  key appointments have included Joe Frost  in 2012 as Sales and Marketing Director and in March 2014 Simon Bullock joined the company as CFO. In May 2011 Ofcom applied the electronic communications code to Gigaclear for the purposes of the provision, by Gigaclear, of an electronic communications network in the United Kingdom. Also in May 2011 the company took a majority stake in local access pioneer Rutland Telecom and in September of that year the company started construction of its first fibre-to-the-premises network, which opened service in October 2011 in Hambleton in Rutland. During 2012 Gigaclear also delivered its first Gigabit fibre-to-the-premises network in the rural communities of Appleton, Eaton and Besselsleigh in Oxfordshire.  During 2013 and 2014 the company opened new networks in Fyfield, Frilford, Farmoor, Stanton Harcourt, Woodeaton, Beckley and Northmoor in Oxfordshire, Godden Green in Kent and Uppingham in Rutland.  At the end of 2015, Gigaclear had 27 rural networks live with 39 more in construction in Oxfordshire, Kent, Cambridgeshire, Rutland and Northamptonshire.  In addition Gigaclear is building rural networks supported by BDUK Superfast Broadband grants in Gloucestershire, West Berkshire and Essex. Gigaclear delivers incredibly fast, and reliable broadband access, everyone connected to the network has the same level of service regardless of 'distance from the cabinet' or weather conditions.

euNetworks is a European provider of broadband infrastructure services.  euNetworks provides scalable, fiber-based products and solutions to a customer base at the forefront of technological transformation.

M&C Saatchi is founded on the principle of Brutal Simplicity. M&C Saatchi was founded in 1995 and today describes itself as the “biggest independent creative agency network in the World.

Eurostar is the only high speed train that directly links the UK to France and Belgium via the Channel Tunnel. We take our travellers from city centre to city centre, and have been since 1994.   Since then, they’ve carried over 150 million passengers. They take thousands of people a day to Paris, Brussels, Lille, Calais, Disneyland:registered: Paris and more and they also run much-loved seasonal trains to the South of France in summer and the French and Swiss Alps for skiing in the winter.   Until 13 November 2007, their trains left the UK from London Waterloo International. By 14 November they were well and truly settled in their new home, St. Pancras International, just in time to celebrate the completion of the second section of the UK's first high-speed line, HS1.   Just a few days later, they began to run services from another new station, Ebbsfleet International in Kent. Their travellers can also board at their other Kent station, Ashford International.

No White Bits Boutique has gained an exceptional reputation as one of the most successful and progressive beauty salons in the area, with a loyal client base who appreciate quality treatments and personal service.  We strive to ensure that all of our clients are valued and receive only the best advice and subsequent treatments.

Blackburn-based Central Recruitment, which supplies temporary staff to the industrial, engineering and commercial sector.

Purely Outdoors is a provider of essential outfitting in outdoors and road equipment.

Adiva Accountants specializes in providing accounting and tax services. Adiva Accountants specialize in providing individual and business accounting services. We have gained a lot of experience in dealing with incorporated and unincorporated businesses.

JNCTION operates as a rail technology startup. JNCTION use modern digital technologies to help make travelling on the railway better for passengers and operators.

VoxSmart is a surveillance technology provider that designs, develops and deploys software to better manage business risk, market insights and meet regulatory requirements. Our team includes experts in finance, regulation and business analytics that can help to find and fix the problems encountered by regulated firms in the financial space and beyond. Our technology captures employee communications, both voice and electronic, wherever they are working, and turns the data this generates into useful information about your business conduct, operations and opportunities. We help connect a firm’s people, processes, and technology to deliver operational efficiencies and enable smarter business decisions.

Cinesite is one of the largest and most creative visual effects companies in the world. Established in 1991 and headquartered in London, their visual effects team has the capacity and creativity to produce all manner of digital effects for feature films and TV shows of all scales. Their award-winning team of highly talented visual effects artists take filmmakers' ideas and turn them into spectacular cinematic reality.

Over the last 20 years, Zen Internet has grown from a pioneering ISP into a company that provides the full range of data, voice and hosting services to business and residential customers across the UK, giving them the capabilities they need to communicate, collaborate and pursue their long-term goals. We deliver the infrastructure businesses need to compete in a highly connected world.

SIRO Network is constructed utilizing the overhead and subsurface ESB infrastructure, guaranteeing an efficient, stable, and lengthy network. By deploying optical fiber that enters a home, building, or business directly, is an access network technology that provides the fastest Internet connection imaginable. All constraints that hinder the efficiency of other types of networks are eliminated.

Lease Corporation International (LCI) is a privately owned aircraft lessor founded in 2004. Since its inception LCI, has acquired aircraft with a value approaching $6 billion and has provided leasing services to airlines, freight carriers and helicopter operators. These include leading airlines such as as British Airways, Singapore Airlines and Air France, and major helicopter operators such as Babcock.

Quint is a international, highly innovative fintech Group operating in  consumer finance markets globally. Quint owns and operates a portfolio of mutually beneficial and strategically aligned financial technology businesses in the consumer credit sector which are all powered by the Group’s market leading proprietary technologies and infrastructure. The Group’s businesses operate in the UK, USA, Australia & Poland, with offices located in Manchester, London, LA, Warsaw and Guangzhou in China. Our commitment to Innovation, technology and continuous improvement has seen the Group’s annual turnover grow year on year in our chosen markets.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits.  The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Cennox Plc are a specialist international ATM services business. They provide a range of sector specific services & project capability designed to help their banking clients, increase transaction levels, and reduce costs. The Cennox team is made up of sector specialists who have extensive experience both operating ATM estates and at ATM service providers, signage and branding services and parts logistics. They work with many of the worlds leading banks and can offer a complete end to end solution for your business across the globe.

NWTC opened its first pub in 2011 and now operates 14 pubs/restaurants nationally under five sub brands: The Botanist, The Oast House, Smugglers Cove, The Trading House and The Club House. All of NWTC’s outlets offer an exceptional range of traditional cask and craft beers, innovative cocktails, an all-day menu of homemade food including the celebrated ‘hanging kebab’, with live music featuring every evening.   NWTC’s talented management team and its distinctive consumer proposition have been recognised in numerous industry awards. In March this year, the company won the Publican awards for Best Pub Employer and Best Managed Pub Company.   NWTC is expanding rapidly, with seven units opened in the past 15 months and four more planned to open in the next year. The company currently employs more than 900 people.

Framework is a specialist charity providing housing, support, training, care, resettlement and employment for thousands of homeless and vulnerable people each year in the East Midlands and parts of South Yorkshire.  For a homeless person, getting a secure roof over their head is a crucial first step –finding somewhere that is safe, dry and warm. However, to tackle homelessness effectively it is not sufficient simply to put a roof over someone’s head, and our work does not stop there. The underlying economic, social, medical and emotional circumstances which contributed to an individual’s situation must also be addressed: we passionately believe that having someone who cares and can offer appropriate support is equally important in helping people on the journey from homelessness to independent living.

Operates as an advertising agency that connects brands to consumers over mobile networks.

Magex is a digital commerce services company.

NatWest Bank offers a range of commercial and retail banking services to its clients. The bank’s private product portfolio consists of bank accounts, overdrafts, savings accounts, credit cards, loans, mortgages, insurance, and investments. Businesses are provided with financial services based on their annual turnover. NatWest Bank was founded in 1968.

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