Fractional CFO for financial services software companies
Financial services software contracts combine subscription with AUM-linked fees, transaction pricing and implementation inside one master agreement. The FI customer base expects SOC 2, ISO 27001 and regulator-aligned controls - obligations that flow back into how the finance function itself runs.
Recurring software ARR has to be visible distinct from AUM- or volume-linked revenue because they're valued very differently. FIG diligence tests controls and audit-readiness line by line, and a finance function that can't produce SOC 2 mapping on request loses credibility.
Flow provides financial modelling, FP&A and fractional CFO advisory to financial services software companies across core banking and lending, capital markets and trading, wealth and asset management, risk and compliance technology, and treasury and back-office accounting. We work as the outsourced startup CFO through growth, fundraising and sale processes.
KPIs to track for "financial services software" startups
We're very 'KPI-driven' fractional CFOs, and we make sure to monitor the right metrics for your startup.
ARR
Net retention
FI logo count
AUM- / tx-linked revenue
Implementation backlog
Renewal rate
Customer concentration
Gross margin
CAC payback
Compliance posture
Financial modelling for "financial services software" startups
As fractional CFOs, we build KPI-driven financial models that are insightful and easy to maintain.
Financial modelling is both art and science - models must be robust, but also understandable, and useful for both internal planning and VC fundraising purposes. Hire a fractional CFO who knows how to handle both sides of the equation.
Recurring vs AUM-linked revenue
Software ARR isolated from AUM- and transaction-linked fees because the two are valued at very different multiples. A blended top line hides the recurring quality that drives valuation.
FI cohort retention & expansion
Net retention at FI-logo level with module attach and seat expansion separated, because financial-institution customers expand slowly and consistently rather than in bursts. Logo concentration makes individual-account modelling essential.
SOC 2 / ISO control mapping
Audit-readiness state maintained continuously and mapped to specific FI procurement and diligence requirements. A finance function that can't produce SOC 2 mapping on request loses credibility with FIG buyers immediately.
Implementation backlog & FI rollout
Project-level implementation pipeline with milestone billings tied to FI go-live schedules, which run on the customer's risk and change-management calendars rather than the vendor's. Backlog conversion is the real read on next year's revenue.
CAC payback in long FI cycles
Fully-loaded CAC measured by FI segment and channel, with payback periods that respect twelve-to-eighteen month sales cycles into regulated buyers. SaaS-textbook payback targets don't apply here and shouldn't be reported as if they do.
Cap table & strategic FI investment
Pre/post-money cap table with SAFE conversions, option pool top-ups and waterfall scenarios under typical FI strategic investment terms. Bank and asset-manager investors often layer commercial and information rights that affect later rounds.
Founders and investors we've worked with
We've supported winning builders across financial services software and beyond.
Marcura
We acted as fractional CFO to Dubai-based Marcura, owner of maritime payroll and B2B payments platform MarTrust, advising on the strategic e-Wallet vendor selection and supporting product/finance integration.
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Hector
We acted as fractional CFO to Hector Aurumi, a Dubai-based specialist software house with AI/ML, IoT and data science expertise, providing confidential valuation guidance to the management team.
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Testim
As a fractional CFO we performed a confidential valuation of Testim, a Tel Aviv-based AI-based software testing automation platform, supporting Elevator Fund's portfolio management.
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Panorays
As a fractional CFO we performed a confidential valuation of Panorays, a Tel Aviv-based software platform for third-party security management, supporting Elevator Fund's portfolio management.
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Percepto
As a fractional CFO we performed a confidential valuation of Percepto, a Tel Aviv-based autonomous drone monitoring platform for critical infrastructure and industrial sites, supporting Elevator Fund's portfolio management.
See moreRecent fractional CFO track record
See our fractional CFO and financial modelling experience across financial services software and beyond.
Simple pricing
No hidden costs, no complicated long-term contracts. We understand how important flexibility is for financial services software startups.
Per month
- Accounting / FP&A tech stack implementation
- Monthly financial statements and reporting pack
- Quarterly board pack with detailed financial analysis (with variance analysis vs. budget, relevant KPI observations etc.)
- Investor-friendly output
Per month
- Everything in Core, plus
- Operating model (via an online platform like Runway or Excel-based)
- Ongoing model maintenance, refining projections, burn/runway management
- Customer cohorts modelling, churn and retention analysis
- LTV / CAC, unit economics analysis
- Cap table management
Per month
- Everything in Grow, plus
- M&A / fundraising support; review of business plan
- Pitch deck preparation
- Investor approach strategy / list building
- Due diligence support and deal negotiation
- Valuation as required and free access to Multiples Pro
Packages shown are illustrative, final pricing is tailored to client requirements.
Explore our fractional CFO offering for similar verticals
We're a specialized fractional CFO to software companies.
Our fractional CFO experience spans across all software verticals.
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We know tech inside & out.
We provide fractional CFO services to companies operating across the entire tech.
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We help you scale by providing fractional CFO advice, through fundraising and a successful M&A exit.
VC fundraising for financial services software companies
We help you prepare materials, reach out to investors in our extensive network, negotiate fair term sheets and structure the VC round.
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Fractional CFO
- Fractional CFO for Software
- Fractional CFO for AI & ML
- Fractional CFO for Fintech
- Fractional CFO for Consumer internet
- Fractional CFO for Digital media
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- Fractional CFO for Consumer products
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