Fintex Capital

Fintex Capital is a London-based specialist finance firm that provides asset-backed debt and structured finance to capital-intensive growth companies, particularly in consumer and mobility sectors. Rather than taking equity stakes, Fintex writes debt facilities collateralised against the physical or receivable assets of the borrower, allowing companies to finance fleet expansion, inventory or equipment without diluting shareholders. The firm operates at the intersection of venture lending and structured finance, targeting companies that have demonstrated revenue but need capital beyond what equity rounds typically provide for asset-heavy operations.

Fintex's approach is structurally well-suited to micro-mobility operators, where the physical fleet is a balance-sheet asset that can support debt at lower cost of capital than equity. Its £10m debt facility for Forest's April 2026 Series B was structured as asset-backed lending alongside the equity round from B8 Venture Partners, Fen Ventures and Güil Mobility Ventures.

The firm is part of a growing tier of specialist lenders in the UK growth-finance market, which expanded significantly after 2020 as companies sought lower-dilution capital structures and traditional bank lending remained restrictive for pre-profit tech companies. Fintex positions itself as a complement to equity VC rather than a replacement, filling the debt tranche in mixed equity-and-debt rounds.