Compliance, licensing, multi-market expansion. Fintech costs are front-loaded and non-negotiable. Your capital should account for that.
Real situations we hear in almost every first call.
01
Licences, security certifications and compliance hires often come months before the first paying customer. The cost lands first, the revenue later.
02
Banks and finance teams run deep vendor due diligence: security reviews, risk checks and, in the EU, DORA third-party requirements. Deals often stretch across quarters.
03
Sponsor banks, card schemes, processors, and data providers often set the timeline. When their date slips, your team and costs keep running.
04
Vendor minimums, transaction costs and reserves often grow as volume grows, and sometimes before it arrives. Cash goes out before revenue catches up.
From the first partner bank conversation to volume-driven revenue. Every step of a Fintech business has its own cash moment.
You secure a licence or a regulated partner and build your compliance function.
Where the cash goes
Legal, compliance and audit costs land long before the first customer.
With Float
Fund compliance hires without selling equity to cover overhead.
You integrate with partner banks, card issuers and payment rails.
Where the cash goes
Integration fees and minimum commits are due upfront.
With Float
Draw for partner integrations and pick a grace period that fits go-live.
Customers onboard and transactions start to flow. Risk controls get tested.
Where the cash goes
Fraud, risk and support teams scale with every new customer.
With Float
Spread repayments over up to 24 months while volume ramps.
Revenue grows with volume, fees and subscriptions. Unit economics start to show.
Where the cash goes
Growth needs sales and marketing ahead of the revenue it brings.
With Float
We underwrite on the recurring revenue you have built.
You enter new markets and add products for existing customers.
Where the cash goes
Every new market brings new compliance and launch costs.
With Float
Your facility grows with ARR. Draw again for the next market.
How money moves in fintech.
Cash break-even
Float covers the gap
Facility grows · draw again
We're here at every stage
The pressure
Integrations and partner reviews take quarters.
With Float
Fund the partnership team while deals close.
The pressure
Licensing, audits and controls cost money early.
With Float
Draw for compliance work without selling equity.
The pressure
Engineering effort peaks before go-live.
With Float
Tailor each draw. Repay over up to 24 months.
The pressure
Transaction revenue grows month by month.
With Float
Repay as volume comes in.
The pressure
New markets and products build on the same rails.
With Float
Your facility grows with ARR. Draw again, bigger.
We understand it
Long partner cycles and upfront compliance. We underwrite on recurring revenue already in place.
Simple
Connect Stripe, Xero, or QuickBooks in clicks. Get an offer based on your real numbers. No deck, no data room.
Flexible
Up to a 6-month grace period while new partners and markets start paying back. Terms up to 24 months. Pay only for what you use
17
European markets
