Fintech is the new finance buzzword. But behind the bar they are just lenders, unregulated lenders on the internet. It's led to an explosion of what some are calling online loan sharks, accused of stitching up small businesses with interest rates of up to 60%.

Watch out the players in this place - Prospa, Capify, banjo, GETCAPTAL, Moula, ondeck, spotcap ...

Time to fish. Turn the key and start boat.