Fractional CFO for fintech companies
Fintech is one of the few sectors where the regulator reads the same numbers as the board, and where a missed reconciliation can be a licensing issue rather than a housekeeping one. Take rate, interchange, loan-loss provisioning, treasury yield and capital adequacy all live on the same P&L, and each one moves a different lever.
Most accounting firms are built for clean SaaS revenue, not for businesses where revenue is net of scheme fees, FX, fraud losses and provisioning. A fractional CFO who understands payments, lending or neobanking economics is the difference between a board pack that holds up under regulatory scrutiny and one that gets unwound on the first audit cycle.
We sit close to fintech every day, from payments and embedded finance to online lending and neobanking, and we build the finance function to handle both the commercial story and the regulator-grade reporting underneath.
Choose a fractional CFO that understands fintech
Built for regulated finance
Take rate, interchange, scheme fees and FX collapse a 5% gross take into a much smaller net contribution, and most generic finance teams stop at the gross line. We build the revenue waterfall the way auditors and the FCA, BaFin or equivalent regulator expect to see it, and tie it to the management P&L.
Model the capital stack
Lending books rarely live on equity alone - warehouse facilities, forward flow, securitisation and debt sleeves sit alongside. We model the blended cost of capital, advance rates and covenants, so growth in originations doesn't quietly breach a facility two quarters out.
Treasury and provisioning
Float, customer balances and IFRS 9 provisioning each carry their own P&L volatility, and the rate environment moves all three at once. We set up the treasury policy and provisioning model that make yield, credit losses and capital usage visible to the board every month.
Investor and regulator both
Fintech investors want unit economics that prove the business compounds; regulators want capital, liquidity and conduct metrics that prove it is safe. We build one reporting stack that satisfies both, so a Series B story and a license renewal don't pull in opposite directions.
Recent fractional CFO projects for fintech companies
From the UK to Colombia, we acted as a fractional CFO to high-growth companies around the globe
We've helped set up FP&A, build financial models, and prepare for fundraising and M&A.
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.
Simple pricing
No hidden costs, no complicated long-term contracts. We understand how important flexibility is for fintech 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.
Financial modelling for fintech startups
We work with fintech founders to build investor-ready, KPI-driven financial models.
We dive deep into your company and sector specifics, to build a custom-made financial model driven by operational KPIs, requiring a minimal learning curve and time spent on monthly updates.
Take-rate waterfall
Gross volume through to net revenue after interchange, scheme fees, FX and chargebacks. The model regulators and auditors expect to see, tied to the management P&L.
IFRS 9 provisioning
Expected credit loss provisioning by cohort and stage, with PD, LGD and EAD assumptions made explicit. Plugs straight into the income statement so credit moves don't surprise the board.
Capital adequacy & liquidity
Tier 1 capital, leverage and liquidity ratios under stress scenarios. Lets a neobank or e-money platform plan growth against regulatory headroom rather than against it.
Lending capital stack
Warehouse facilities, forward flow, securitisation and equity blended into one cost of capital, with advance rates and covenants tracked. Surfaces facility breaches before origination growth triggers them.
Treasury & float yield
Customer balances, settlement float and corporate cash modelled against the rate environment. Shows how much of the P&L is real product economics versus interest income that disappears when rates move.
Unit economics per customer
Revenue per active user after fraud losses, chargebacks, support cost and capital allocation. The line that separates a compounding fintech from one that subsidises every customer.
Recent fractional CFO fintech track record
Selected fractional CFO engagements and prior CFO experience.
Fractional CFO for all fintech niches
From Blockchain, crypto & web3 to financial data & analytics, we're a specialized fractional CFO to fintech companies.
Our fractional CFO experience spans across all fintech verticals.
Explore other sectors
We know tech inside & out.
We live and breath tech - true understanding of how startups operate is fundamental at what we do.
Recent fintech insights
Talk to us
Schedule a call to get a health check on your business and see how we could help.
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