Fintech Startups: $28.6B H1 Funding and 7 Recent Rounds

This list covers fintech startups that closed a disclosed round between June and October 2026, at Series C or earlier, and published at least one traction figure. Seven companies qualified, from an AI accounting platform valued at $1 billion to a Riyadh-based SME lender.

The capital behind them is concentrated. Fintech startups raised $28.6 billion worldwide in the first half of 2026, up 22.7% year over year, while deal count fell 25.7% to 1,605 rounds, according to Crunchbase.

Fintech startups funding in 2026: totals and deal counts

Crunchbase counted $28.6 billion in fintech venture funding in H1 2026. That was 17.3% below the $34.6 billion raised in H2 2025, the sector’s strongest half-year since late 2022.

Fewer, larger rounds drove the annual gain. Spread across 1,605 deals, the H1 2026 total works out to about $17.8 million per round. The same data implies about $23.3 billion across 2,161 deals in H1 2025, or about $10.8 million per round. Average check size rose 65%.

US companies took $15 billion, more than 52% of the global total. The UK followed with $2.7 billion.

The US raised 5.6 times as much as the UK, which took 9.4% of H1 funding. That left about $10.9 billion, or 38.1%, for every other country combined.

FinTech Global publishes quarterly totals that run higher than Crunchbase’s, because its tracker counts a wider set of deals that includes insurtech and cybersecurity companies. Its figures below should not be compared with the Crunchbase totals above. Average deal size is calculated from its totals.

Q3 2026 funding fell 11% from the Q2 peak but rose 35% from Q3 2025, while deal volume dropped 6% year over year. The average Q3 deal grew from $21.2 million to $30.7 million, a 45% increase.

The first three quarters of 2026 add up to $78.2 billion across 2,665 deals. For the AI side of the same peak quarter, see our ranking of the biggest AI funding rounds of Q2 2026.

Selection rules and round sizes

Each company needed a round announced in the past 18 months and confirmed by a company statement or trade publication. Rounds are capped at Series C, so Series D raises such as Valon’s $150 million fall outside the list. Each company also had to publish a traction figure: customers, clients or assets.

The list is grouped by what each startup sells. One group builds software for corporate finance teams. A second sells software to banks and lenders. The third runs credit or cash products on its own books.

The six USD rounds total $404.5 million, with a median of $71.25 million. Taktile, Rillet and Spiko account for $300 million, or 74.2% of that sum. Cleavr’s €8 million seed is left off the chart because it was announced in euros.

Fintech startups building finance operations software

Rillet’s Series C valued the company at $1 billion, so the $100 million raise equals 10% of that valuation. New ARR doubled in the three months before the deal, and total funding now exceeds $200 million.

All three sell AI-based products, so they also compare with our ranking of the top AI startups by funding. Short gaps between rounds link them. Stuut closed its Series B ten months after its Series A. Cleavr raised its seed seven months after launch and already operates in five markets beyond France.

Software for banks and mortgage lenders

Taktile’s Series C is about double the $54 million Series B it raised 15 months earlier, in March 2025. Crunchbase listed the round among the largest fintech deals of Q2 2026. One insurer on the platform projects more than $90 million in claims-processing savings, according to the company.

Vesta’s $30 million is 35% of the $85 million it has raised since 2020. Its customer base grew by more than 50% over the past year, and mortgage lenders Pennymac and New American Funding joined the round as investors.

Credit and cash management fintech companies

Spiko grew assets under management from about $400 million in July 2025 to more than $2.7 billion, a 6.75-fold increase. Client numbers rose tenfold, from 1,000 to 10,000, over the same period, and Bloomberg put its valuation at $800 million.

erad has financed at least six times the size of its new round, and its Saudi operations grew eightfold in a year.

Funding in the sector moves weekly, alongside the AI rounds logged in our weekly AI funding report for October 7 to 12. This list will change when Crunchbase publishes its Q3 2026 fintech count and when any company here raises a Series D.

FAQ

Sources

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