90. SuperFi SuperFi is an app that helps users to save money by finding unclaimed benefits and switching to cheaper tariffs. It also rewards users for staying on top of their bills. Written by Helena Young Sponsored by Sage Published on January 12, 2026 About the Startups 100 Now in its 18th year, the Startups 100 is the definitive list of the most promising new UK businesses. There's no fee for entry or for inclusion in our index. The Startups team of new business experts judge all our top 100 entrants in collaboration with specialist industry consultants. See our guide to this year’s hottest new businesses and most exceptional founders in the complete 2026 Startups 100 index. Founders: Tom Barltrop and Nick SpillerYear founded: 2021Website: joinsuperfi.comTom Barltrop and Nick Spiller were shocked when a friend was turned away by a debt charity because they “didn’t owe enough” to warrant the charity’s help. At the same time, a cost of living crisis was escalating, with millions of people missing bill payments.Not only did people need help finding the financial support they were eligible for, they also needed help keeping on top of their day-to-day bills.This is what inspired Barltrop and Spiller to create SuperFi, which this year places in the Startups 100 Index for the second time. It’s a free app that helps people manage all their household bills and avoid missing payments by plotting them out on a simple calendar view and sending notifications when a payment is upcoming.But it’s more than just a bill tracker. In order to reward timely payments, SuperFi has partnered with hundreds of retailers – including Amazon, Argos, Just Eat, and major supermarkets – to provide cashback rewards to those who pay bills on time, helping them out with everyday spending.When users are going to struggle to pay, SuperFi can direct them to financial support from benefits schemes and social tariffs that they may not have known existed.What sets SuperFi apart is its focus on preventing debt, not collecting debt after it has built up. Built for low-income households living month-to-month, the app is succeeding in becoming a helpful everyday tool – impressively, over 70% of SuperFi’s users access the app more than once a week. On average, users log in 25 times per month.SuperFi is backed by the Fair by Design Fund, which supports businesses that are addressing the Poverty Premium. The organisation’s investment has helped SuperFi to scale faster while staying focused on social impact. It has also partnered with the Greater London Authority through its Poverty Prevention Challenge, securing funding and collaboration opportunities, as well as the British Gas Energy Trust.In five years, Barltrop and Spiller see SuperFi as a trusted part of everyday life in the UK, and the place people turn to when they want to feel in control of their household bills. Their vision is to make debt prevention the norm, not the exception.View the full Startups 100 Index for 20261. Omnea2. HIVED3. MAGIC AI4. OXCCU5. Lightyear6. Neuranics 7. Hormona8. Burbank9. Better Dairy 10. Lenkie Technologies11. Userled12. Hoxton Farms13. Rensair14. PulpaTronics15. TradeKart16. 32Co17. Carmoola18. cheqd19. Sightline Analytics20. Adamo Foods21. Bold Bean Co22. Beams Renovation 23. Pan Galactic24. Capi Money25. Spotted Zebra26. ANTHROTEK 27. Unravel28. Perci Health29. Untap Health30. Hair Syrup31. Connect Earth 32. spacebands 33. Unfabled34. Lightning Reach35. STOCKED36. Embeddable37. XR Therapeutics38. Literal Labs39. Scooch40. Openr41. Fibe Limited42. Inicio AI43. Peachies44. Better Nature 45. Ctrl Alt46. Resting Reef47. Nila48. ROXFIT49. Finmile50. NavLive51. Volunteero52. Inntelo AI53. Zonova54. A&B Smart Materials55. Ethicronics56. Treeapp57. kennek58. Soil Benchmark59. Vox Aeris60. Asan Cup61. Nuuri62. Mindstone63. MYNDUP64. Enbiosis Biotechnology65. JUX Food66. Danu Robotics67. Wylde Market68. Air Aware Labs69. Mimicrete Ltd70. ALYVE71. Happl72. Living Things73. Grub Club Pets74. Mealia75. PetProov76. Lylo Products77. Chest78. ZIM Connections79. Uptime Labs80. Teal81. Zero Fintech82. Micro Thermal Energy 83. Kanjo 84. Merlin Cloud85. My Skin Feels86. Eleria87. Cashblack88. RevvedUp89. Cosysense90. SuperFi91. Loom92. Legacy Compass93. Meshed94. SWURF95. Main Squeeze96. Sampl Technologies97. Over the Moo98. Pioneering People99. Bikebook100. Recondition Share this post facebook twitter linkedin Tags 2026 Written by: Helena Young Deputy Editor Helena is Deputy Editor at Startups. She oversees all news and supporting content on Startups, and is also the author of the weekly Startups email newsletter, delivering must-know SME updates straight to their inbox. From interviewing Wetherspoon's boss Tim Martin to spotting data-led working from home trends, her insight has been featured by major trade publications including the ICAEW, and news outlets like the BBC, ITV News, Daily Express, and HuffPost UK. With a background in PR and marketing, Helena is particularly passionate about giving early-stage startups a platform to boost their brands. That's one reason she manages the Startups 100 Index, our annual ranking of new UK businesses. Sponsored by: Sage Startups 100 Index Sponsor 2026 Sage exists to knock down barriers so everyone can thrive, starting with the millions of Small and Mid-Sized Businesses served by us, our partners and accountants. Customers trust our finance, HR and payroll software to make work and money flow. By digitising business processes and relationships with customers, suppliers, employees, banks and governments, our digital network connects SMBs, removing friction and delivering insights. Knocking down barriers also means we use our time, technology and experience to tackle digital inequality, economic inequality and the climate crisis.