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Fintech & Financial Services
Fractional CFO Built for Fintech
Fintech finance needs startup speed and regulated-institution control. Get CFO-level FP&A for multi-stream revenue and capital structure.
Trusted by 50+ SaaS businesses, marketplaces, and platforms:
Founder’s pains
Fintech Finance Lives Between Two Operating Modes
Fintech companies operate at the intersection of startup growth and regulated financial services. Revenue arrives from interchange, subscription, interest, fees, and premium features, each following different recognition rules. Sponsor banks require compliance programs that exceed statutory minimums, and compliance costs scale with transaction volume rather than headcount.
The trigger moments arrive fast: a sponsor bank requests an audit of your AML program, a fundraising round demands unit economics across payment rails and lending products, a warehouse facility negotiation needs capital structure modeling, or a regulatory filing deadline exposes gaps in your financial reporting. Standard SaaS FP&A does not account for these pressures.
Can your model handle five revenue streams with five recognition rules?
Interchange revenue, subscription fees, interest income, transaction fees, and premium features each follow different ASC 606, ASC 310, or ASC 860 recognition paths. Gross-versus-net treatment alone shifts your top line materially, and errors compound across every transaction rather than appearing as a single period adjustment.
Are compliance costs budgeted or just absorbed?
Sponsor banks increasingly require fintech partners to implement AML and BSA programs beyond what regulators mandate, and bank audits of compliance programs are happening more frequently. What works for a thousand customers breaks at a hundred thousand, and the compliance infrastructure required to scale costs money that most forecasts never model explicitly.
Does your board deck speak both tech and financial services?
Fintech investors expect traditional SaaS metrics like MRR, net revenue retention, and CAC payback alongside financial services metrics such as net charge-off rates, provision coverage, reserve ratios, total payment volume, and take rate by product line. Most board packs deliver one set and leave the other implied, which forces investors to ask basic questions instead of evaluating decisions.
Is your runway model missing capital requirements?
Lending fintechs need warehouse lines, payment companies need reserves, and insurance fintechs need statutory capital, each creating financial planning challenges that standard burn-rate calculations do not capture. A runway model that ignores capital adequacy, reserve requirements, and facility covenants gives a false sense of available cash and hides constraints that determine real runway.
WHY FISCALLION
Why Fintech Founders Work With Fiscallion
01
Financial Planning and Analysis
A driver-based financial model built for multi-stream revenue: interchange, subscription, interest, fees, and premium features each with correct recognition treatment. The model connects transaction-level assumptions to cash flow, runway, and scenario planning so hiring, pricing, and growth decisions sit on a single source of truth.
02
Fundraising & Investor Support
Board packs and investor materials that present SaaS metrics and financial services KPIs in one coherent package. Every Fiscallion client works directly with Aleksandar at the CFO layer, so the person building the forecast is the person defending it to your board and investors during fundraising.
03
Actionable KPI Dashboards
Dashboards that combine fintech-specific metrics, total payment volume, take rate by product line, net charge-off rates, provision coverage, with standard SaaS metrics like MRR, net revenue retention, and CAC payback. The result is a reporting cadence that answers what to do next, not just what happened last month.
04
Growth Focus CFO Advisory
Senior CFO judgment on a fractional basis, drawing on FP&A leadership experience gained through the growth of a SaaS company to €100M ARR. The fractional model fits fintech companies that need CFO-level decision support for fundraising, board reporting, and scenario planning without the cost and ramp time of a full-time hire.
FINANCIAL MODELING
The Finance Infrastructure Built for Fintech Operating Realities
Multi-Stream Revenue Model
A driver-based model that separates interchange, subscription, interest, fees, and premium revenue with correct ASC 606, ASC 310, and ASC 860 treatment. Gross-versus-net decisions are explicit, so your top line reflects actual economics rather than a recognition convention.
Regulatory Cost Budgeting
Compliance program costs, state licensing fees, sponsor bank audit obligations, and AML monitoring infrastructure modeled as explicit line items in your cash flow. Costs scale with transaction volume and customer count, so growth scenarios show the real compliance burden.
Capital Structure Planning
Warehouse facility terms, reserve requirements, regulatory capital ratios, and covenant restrictions built into runway scenarios. Available cash is separated from restricted cash, and facility capacity is modeled against origination volume so lending growth does not outpace capital.
Dual-Metric Board Reporting
Board packs that combine MRR, net revenue retention, and CAC payback with total payment volume, take rate by product line, net charge-off rates, and provision coverage. One coherent package for investors who understand both tech growth and financial services economics.
Transaction-Level Unit Economics
Profitability broken down by merchant category, payment method, volume tier, and customer cohort. Interchange margins, processing costs, and fraud losses are attributed to the transaction level so pricing decisions and product mix trade-offs are grounded in actual contribution margin.
Regulatory Scenario Modeling
Stress-test your assumptions against regulatory shifts: new sponsor bank requirements, changes in state licensing obligations, CECL provision increases, or capital adequacy rule changes. Each scenario shows the cash, runway, and capital structure impact so you can plan before the regulation arrives.
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faqs
Your Questions, Answered
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