We are fundamentally changing how small businesses access financial services and products.

The SME funding gap continues to grow. There remains a huge ~£59bn SME funding gap in the UK market.

Furthermore, the EU and the US have a combined ~£881bn SME funding gap and the problem is even more pronounced in emerging markets.

SMEs are crucial to global economies both for wealth creation and for the people they employ. Productivity growth is essential for promoting long-term economic growth and higher living standards.

It is therefore vital that SMEs are given the best chance of succeeding.

Fractal is fundamentally changing the way small businesses bank Fractal is fundamentally changing the way small businesses bank
Fractal is fundamentally changing the way small businesses bank

Why are you called Fractal?

A 'Fractal' is a curve or geometrical figure, each part of which has the same statistical character as a whole. They are useful in modelling structures (such as snowflakes) in which similar patterns recur at progressively smaller scales, and in describing partly random or chaotic phenomena such as crystal growth and galaxy formation.

Our mission is to help small businesses find patterns of success, no matter their size. We aim to do this by empowering their most trusted financial advisors to better serve their small business clients.

Our leadership team

Our team have worked at organisations such as Google, Deutsche Bank and the United Nations. They oversee a dedicated and energetic team made up of technologists, and financial, design and marketing experts who are focused on fundamentally changing the way financial innovators and small businesses work together.