Divido lets customers spread the cost of any purchase over a period of time – while the merchant gets paid in full right away.

The platform is aimed at independent businesses who can’t afford to offer the finance options of bigger companies.

Currently only available in the UK, by the end of 2017 it will be live in eight more countries across Europe.

See more of our 101 tech start-up disrupters here.

And check out our 101 rising stars of tech - the exciting firms which did not make the main list but have the potential to grow.