Growth equity
For scaled products with repeatable acquisition and expansion economics.
FinTech · Growth equity
FinTech growth equity
Growth capital for payments, banking technology, wealth, lending, market-infrastructure and financial-software companies raising USD 5m or more.
The financing decision
Choose the structure around the operating reality
The financing case must show that revenue growth converts into durable contribution margin after customer acquisition, risk costs, implementation and compliance overhead.
We begin with the commercial objective, the amount and timing of capital, the evidence available and the authority to run the transaction. The resulting route can then be tested against realistic investor, lender or buyer criteria.
Typical uses of capital
- Product and market expansion
- Enterprise sales and implementation capacity
- Balance-sheet or partnership enablement
- Selective acquisitions and regional entry
Decision information
What counterparties will test
FinTech evidence
- Recurring revenue, retention and customer concentration
- Gross margin after processing, risk and service costs
- Sales cycle, implementation burden and payback
- Credit, fraud or operational loss performance where relevant
- Market access, partnerships and governance
Mandate readiness
- Funding requirement of USD 5m or more
- Clear ownership and decision authority
- Historical financial and operating information
- Defined use of funds and transaction timetable
- Management availability for diligence and negotiation
Structuring routes
Structures to evaluate
The route is selected after reviewing cash flows, control, security, dilution, timing and counterparty appetite.
Strategic minority capital
For platforms where a bank, insurer, exchange or technology partner adds distribution.
Structured growth capital
For companies combining equity with a milestone-linked or revenue-supported layer.
Execution
How the mandate progresses
- Normalise recurring revenue and unit economics
- Define product, customer and geography growth cases
- Prepare data-room and cohort evidence
- Target specialist FinTech, growth and strategic investors
- Run valuation, diligence and closing negotiations
The sequence is adapted to transaction readiness, confidentiality and the selected capital route.
Relevant live work
Current mandates in this market
Public mandate summaries are current at the website build date. Detailed information is available following counterparty qualification.
USD 7.5M
Investment-research and wealth platform — Series A
Questions, answered
FinTech growth equity questions
Matchpoint considers FinTech capital raises from USD 5m upwards across payments, banking software, wealth, lending, infrastructure and related models.
Relevant metrics can include recurring revenue, gross margin, retention, customer concentration, acquisition cost, payback, transaction volume and risk performance.
Yes. Banks, insurers, exchanges, asset managers and technology groups may be relevant where the commercial relationship supports the investment case.
A combined structure may be possible when recurring revenue, runway and repayment capacity support debt alongside equity.
Discuss a fintech growth equity mandate
Share your company, transaction type and approximate ticket size. A partner will review the fit for a USD 5m+ mandate.
