Industries
Fintech moves fast. Your financial and compliance infrastructure has to keep up.
Fintech companies operate under financial and regulatory pressures that standard fractional finance wasn't built to address. We embed senior operators who have built finance and people functions inside fintech and financial services companies before. We arrive knowing what your banking partners will audit, what fintech-focused investors model, and what a multi-stream revenue model needs to survive its first serious compliance examination.
Who we work with
From early-stage fintech operators to established financial services businesses.
Typical client revenue ranges from $5M to $100M+.
- Payments and embedded finance platforms
- Lending and BaaS businesses
- Insurance technology and distribution
- RegTech and compliance software
- Wealth and capital markets technology
- PE-backed and publicly-traded financial services
When founders call us
Regulatory complexity and financial infrastructure pressure arrive at the same time in fintech.
These are the moments where the financial infrastructure a fintech built for speed runs into what banks, investors, and regulators actually need to see.
01
Your sponsor bank is asking for financial controls documentation and BSA/AML audit trails. Your current setup was never designed to produce them.
02
Revenue comes from multiple sources: interchange, subscription fees, premium income, or interest. None of it is recognized the same way, and the books are treating it all identically.
03
Your Series A investors are modeling take rate, growth metrics by product line, and unit economics by customer cohort. None of that exists in a form you can share cleanly today.
04
State licensing or regulatory filings are on the horizon. The financial documentation, capital analysis, and compliance infrastructure they require don't exist yet.
The metrics we model and report on
The metrics that matter to fintech and financial services investors.
When an investor asks for take rate by product line, premium retention, or unit economics separated by revenue stream, your team should be able to produce it the same afternoon. These are a few of the metrics our team builds, defends, and reports on. Every engagement gets calibrated to the metrics your business needs to grow.
Financial Metrics
Revenue by Stream
Whether revenue comes from interchange, subscription, premium, interest, or fees, each stream has different recognition rules, margin profiles, and quality characteristics.
Cash Runway and Burn Discipline
Months of operating cash modeled against multiple growth scenarios. The anchor metric for capital allocation decisions, scaled for fintech businesses with regulated capital requirements layered on top.
Regulatory Capital Ratio
For fintechs operating under banking licenses or money transmitter frameworks, regulatory capital ratios are non-negotiable reporting requirements.
Total Payment Volume and Take Rate
TPV is the primary growth metric for payments and embedded finance companies, and Take Rate tells the revenue quality story on top of it. We model both by product line and customer segment so investors can assess volume quality and concentration risk in the same view.
People and Organizational Metrics
Compliance and Risk Headcount Ratio
Fintech investors and banking partners both look at whether the compliance and risk functions are appropriately sized relative to TPV, product complexity, and regulatory footprint.
Comp Benchmarks for Regulated Roles
Chief Compliance Officer, Head of Risk, BSA Officer, and regulated engineering roles command premiums. We benchmark against current financial services market data.
Time-to-Fill for Licensed and Regulated Roles
Compliance, risk, and regulated technical hires take significantly longer than standard tech roles. We build hiring roadmaps that account for the actual timing.
Workforce Compliance Across Jurisdictions
Active state registrations, license sponsorship requirements, and employment classification across jurisdictions.
How engagements evolve
Regulatory surface area grows with the business. The financial infrastructure has to grow with it.
Most fintech clients start at one engagement scope and expand as their regulatory footprint and revenue complexity increase. The services below reflect what's most critical at each stage, not a fixed package.
Foundation
Building the controls foundation before the banking partner asks for it.
Seed-stage fintech companies often acquire a banking partner before the financial infrastructure to support that relationship is in place. Getting controls, documentation, and revenue recognition right early avoids the scramble when the first audit request arrives.
What we focus on:
- Clean books with revenue recognition set up for multi-stream fintech models from day one
- BSA/AML policy documentation and basic compliance controls framework
- Burn rate modeling and runway tracking for pre-revenue and early-revenue stages
- Equity compensation accounting and cap table management
- Payroll and people compliance for early fintech headcount
Build
The financial infrastructure that banking partners and investors require.
This is where revenue complexity and regulatory pressure arrive simultaneously. Multiple revenue streams need separate recognition policies. The Series A investor wants cohort data. The banking partner wants audit-ready controls documentation. All three are due at roughly the same time.
What we focus on:
- Multi-stream revenue model: interchange, subscription, interest, premium, and fee income separated cleanly
- TPV and take rate reporting built to fintech investor standards
- Board reporting with unit economics and cohort-level retention and payback
- First-time audit preparation with BSA/AML controls documentation in place
- Benefits and HR systems scaled for a growing technical and compliance workforce
Scale
Enterprise-grade compliance infrastructure and transaction readiness built together.
State licensing, SOC 2 Type II, and enterprise contract requirements converge at this stage. Transaction readiness needs to be built before the process begins. Fintech deals attract diligence that goes beyond standard QoE.
What we focus on:
- Advanced FP&A: take rate modeling by product line, scenario planning for regulatory capital
- Capital raise readiness and transaction advisory preparation
- Quality of Earnings and take rate normalization for acquirers
- C-suite retained search and permanent executive placement
- Strategic Talent Planning™ and leadership succession across compliance and finance functions
From founders
What it sounds like when the infrastructure works.
"
"They cleaned up the chart of accounts, began automating expense management, looked to consolidate vendors to find additional money, and most importantly, have begun building budgeting and forecasting tools including a cash flow statement that reflects the seasonality of expenses, investments, time to revenue."
Trey Halbert
CEO, ExperINS
"
"I really appreciated how you would spend time with me and my colleagues to understand not just the hard skills we were looking for, but also the intrinsic motivators that were key to success in our organization. That certainly was key to bringing the right people in to help us achieve success over the years."
Chris Kennedy
COO, Periscope Holdings
Six service lines, one integrated partner
Fintech rarely lets any one service line operate in isolation.
The service lines below are available individually or as an integrated engagement. Fintech companies at Series A and beyond most often engage across Finance, Accounting, and People Operations in combination, with Transaction Advisory added as strategic processes approach.
financial leadership
Finance
Fractional CFO, ARR modeling, board reporting, capital planning, fundraising prep
TPV and take rate modeling by product and cohort, regulatory capital planning, unit economics for payments and lending businesses.
Accounting
GAAP-compliant financials, audit-ready close process, controller services
Revenue recognition across interchange, subscription, premium, and interest income under ASC 606 and ASC 310, BSA/AML-aligned controls documentation.
Transaction Advisory
Quality of Earnings, due diligence support, working capital assessment, M&A readiness
Take rate and TPV quality analysis, multi-stream revenue normalization, regulatory capital review.
organizational leadership
People Operations
Fractional People leadership, HR compliance, benefits, comp benchmarking, HR systems
Compensation benchmarking for technical, product, and compliance roles, equity administration, and HR systems that scale with a regulated workforce.
Executive Retained Search
C-suite and VP placement, success profile development, candidate evaluation
Placement of first permanent finance hires, Chief Compliance Officer, and Head of Risk.
Strategic Talent Planning™
Org design, hiring roadmaps, leadership alignment, team structure development
Organizational design for fintech companies scaling compliance, risk, and product leadership simultaneously.
Also serving
Other industries we work in
SaaS/Software
ARR modeling, cohort retention, burn multiple, audit-ready financials for VC-backed SaaS companies
Healthcare & Life Sciences
Reimbursement cycle accounting, multi-state compliance, clinical milestone cost modeling
Consumer
Inventory and COGS modeling, channel margin analysis, DTC and retail expansion readiness
Industrial & Energy
Project-based accounting, field-to-corporate workforce dynamics, capital-heavy operating models
Real Estate & Construction
Job costing, bonding capacity,
working capital cycles, project-level economics
Tell us your revenue model. We'll tell you what the infrastructure needs to look like.
The first conversation is always about where you are now and what's coming next, whether that's a banking partner audit, a Series A, or your first compliance examination.
Let’s Talk