George Babilashvili

Co-Founder. CorpSignals

January 02, 2026

Who Are the Best Clients for Fintechs? And How to Find Them?

First, where do fintechs make the biggest profit?

From my own experience, fintechs generate the strongest margins in:

Currency conversion (FX) – ~10 bps cost vs. 20–100+ bps pricing; consistently strong margins
International SWIFT payments – limited margins on SEPA, FPS, ACH, etc.
Trade finance

Who needs it? Businesses that export, import, or operate international teams.

Second, you want to reach out to those who need your service today

I have made a list of clients that are typically in need of bank accounts, transfers, FX, financing.

Here are some use-cases:

1. Started business 1-2 years ago, do regular import (min 6 months), have >£1-54m sales (see ~350-400 companies)

Import regularly → pay suppliers cross-border
Collect GBP but pay ~70% USD and ~15% EUR → need FX
£1m–£15m sales → their accounts will not sit empty; they will make good payments and generate fees for you
Started about 1–2 years ago -> still remember the pain of opening a bank account and ready to considering new offers

2. Established businesses, strong domestic sales but started export recently, <18 months (see ~500 companies)

Collect mainly in USD/EUR, costs in GBP → need FX
Well established → will have money to move
New to exporting → their current banking partner often not good for international collections and FX

3. Have management who are nationals or residents of another country (see ~3,900 companies with directors resident in Germany as example)

Often have headquarter or team at home country -> lots of transfers and FX
Low risk, if from EU or USA

4. Management from high-risk countries, if you target the high-risk segment (see ~700 companies with directors resident in some medium & high-risk countries):

Large banks don't open accounts for them -> they will welcome your offer
Absolutely verifiable for compliance -> you can check what they ship on CorpSignals

5. Run an eCommerce shop, have £1-15m sales but limited working capital (£100-400k). See ~350 companies

Already successful, concept proven -> but need financing to grow further
Procure often internationally -> cross-border payments
Sell in GBP, buy for USD/EUR -> regular FX
With £1-15m sales -> will generate regular fees for you

6. Established SME manufacturers of valves (or similar heavy equipment). See ~500 companies

Sell to large, creditworthy corporates (oil & gas, airlines, etc.)
Often long payment terms → ideal for trade finance
Export contracts in USD/EUR → FX on top of trade finance revenue

7. Opened yesterday (see ~20 companies)

Be the first to offer them a bank account (we update our database daily)
Probably small fees initially, but easier entry now than competing later

These lists are perfect for cold outreach. The companies there are high-probability leads – in need for financial services.

The lists provide all the necessary sales intelligence to choose your perfect prospects – what companies buy, sell, or transport (not just vague industry descriptions or outdated SIC codes, like at other lead generation tools).

You can also find email of people you don’t find anywhere else: top managers often hide their names on LinkedIn under ‘LinkedIn Member’. Other B2B databases rely on LinkedIn and don't have them. We know all top decision-maker at UK companies.

These are just a few examples of high-probability client lists.

More use-cases will be published soon.