VC fundraising for fintech companies
Fintech rounds are some of the most structurally complex in venture - regulated balance sheets, capital-intensive products, and a buyer-side that splits between classic VC, fintech specialists and debt providers. A clean equity round is the exception, not the rule.
Investors today underwrite take rate, unit economics per transaction, loan-loss provisioning, regulatory perimeter and how the treasury function actually works. The 2021-vintage growth-at-all-costs fintech round has been replaced by one focused on contribution margin, capital efficiency and a clear path to profitability. Lending, neobanking and payments each raise from different pools, and the wrong sequencing of equity, debt and warehouse facilities will stall a round before it starts.
Flow advises fintech founders across payments, neobanking, lending, insurtech and the regulated infrastructure layer underneath. We shape the capital stack, build the model around the metrics regulators and investors actually read, and run the process with funds who understand balance-sheet-exposed businesses properly.
Raise capital with an advisor that understands fintech
Equity, debt and warehouse together
Fintech rarely raises clean equity - debt facilities, warehouses and capital-light structures usually sit alongside the round, and getting the sequencing wrong is expensive. We design the full stack so each layer prices the others well, rather than running the equity round and figuring out debt afterwards.
Unit economics that read clean
Take rate, interchange, default curves and cost-to-acquire-per-active-account each get diligenced separately, and any softness in one line drags valuation across the whole round. We model the unit economics line by line so investors close on numbers they can actually verify.
Regulator-grade reporting from day one
The same numbers that go to the board also go to the regulator, and inconsistency between the two sinks rounds during confirmatory diligence. We build the financial reporting once, so the equity story, board pack and supervisory submission all reconcile.
Fintech specialists, not generalists
A generalist growth fund will pass on a lending business they can't underwrite, and a fintech specialist will price the same business 30% higher because they can. We know which funds engage seriously with which fintech subsegment, and we keep the others out of the room.
Selected VC case studies
We've advised companies from series A to series D and beyond.
Our capital raising experience spans across various tech sectors and geographies.
We advised Elysian Fields on its investment into Orka, a Reykjavik-based portfolio of online consumer lending platforms, supporting deal structuring and growth-capital deployment in the Icelandic fintech market.
Recent VC fundraising fintech track record
Selected capital-raising mandates and prior investment experience.
VC fundraising for all fintech niches
From Blockchain, crypto & web3 to financial data & analytics, we're a specialized fundraising advisor to fintech companies.
Our VC fundraising experience spans across all fintech verticals.
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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
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