Diligence memo · auto-generated · as of July 2, 2026
LemFi
LemFi looks over-valued against its niche peers and is quiet on financing cadence.
Businessfiled
LemFi operates in Fintech, based in London, England, United Kingdom. Fair, simple and accessible financial services
Sub-sector tags: Fintech.
Capital & rounds (filed)filed
LemFi has raised $53M in disclosed capital across 1 recorded round, aggregated from public filings. Its latest round is modeled as Series B (a $15M–$40M round).
Largest single filing: $53M on 2025-01-15.
Most recent recorded round closed around 2025-01-15.
Valuation (modeled)modeled
Provath models LemFi at approximately $325M (range $127M–$525M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Over-valued. Modeled value is 3.19× the median modeled value of Series B Fintech companies in 2025–2027 (12 peers) — value vs value, same stage and era.
Financing rhythm & timingmixed
Last raise 18 mo ago; this sector typically re-raises about every 12 months.
Slightly overdue versus sector cadence.
Comparablesmixed
Capital scale ranks ahead of 97% of Fintech peers (1063 compared).
Modeled value ranks above 94% of those peers.
Closest niche peers: BenePass, Inc., SafetyKit, Inc., Blnk, Finary Wealth Inc., LAGO Apex Credit Corp.
Risks & flagsmixed
Modeled above niche peers — valuation risk on entry.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.