We empower banks insurers lenders card issuers PSPs innovators
to better serve their SMEs

Reinventing SME financial services one API at a time.

Reinventing SME financial services
one API at a time.

How it works

How it works

Data aggregation

Build a single financial view of your SMEs by aggregating multiple transactional banking, accounting and industry data sources.

Data intelligence

Analyse and forecast your SME’s cash flow by generating automated insights and recommendations.


Customer propositions

Create personalised propositions and entirely new business models for your SME customers.


Cash Management

We empower financial innovators to enhance their range of banking solutions and better support their SME's income and expenditure, liquidity, and payments needs.


We provide technology for financial innovators to develop their own bespoke underwriting assessments and enable more tailored and flexible cover for their SME clients.


We provide financial innovators the intelligence to better anticipate their SME’s financing needs, when they need it.


We empower financial innovators to predict their SME’s payment needs and offer market-leading solutions at the moment of payment.

Our partners

Our partners

We work with innovative global financial innovators, and alternative lenders who believe that the one-size-fits all model is truly dead.

We also work with consultancies, agencies and system integrators on the distribution of our technology.

Trusted by the world’s leading banks

"Fractal enables us to create entirely new products and fundamentally change the way we offer banking services to SMEs"

Head of Transformation
Tier 1 Global financial innovator

Accelerators we've been a part of: