For payments, embedded finance, regtech and fintech software
Sell your fintech company for what your licences and revenue are really worth.
Fintech buyers pay for recurring revenue, regulatory permissions and partner relationships that take years to build. See how your model shapes the price, get your regulatory file ready, and sell privately to banks, payment groups and private equity.
On this page
Typical range: Most fintech companies sell for 2x to 10x revenue. Licensed, recurring B2B models sit at the top.
Fintech valuation calculator
Your revenue, your model and your licences set the price.
Fintech companies are usually priced on annual revenue. What moves the multiple is how predictable that revenue is, which permissions you hold yourself, and how easily your bank and partner contracts pass to a new owner.
Typical value range
$17,500,000 – $27,500,000
3.5x to 5.5x your revenue of $5,000,000.
A typical market range, not an offer. Take rate, partner terms and regulatory capital refine it. A short call with us turns this into a real number.
Why the model matters
Two fintechs with the same revenue can sell for very different prices.
A buyer is really asking how much of your revenue will still be there in three years and what it would cost them to build the same permissions and partnerships. Recurring software revenue answers that best, which is why it earns the highest multiples.
The chart shows typical revenue multiples by model. Holding your own licence lifts any of them, because a buyer avoids a long application.
An owned licence typically adds 1x to 2x on top, depending on the market it covers.
What buyers will ask for
Six files that make a fintech deal move fast.
Fintech diligence goes deeper than most because buyers inherit your regulatory obligations. Have these ready and you can save weeks and protect your price.
Licences and permissions
Every licence, registration and passport you hold, with the regulator, scope and any conditions attached.
Compliance framework
AML and KYC policies, transaction monitoring, safeguarding arrangements and your last audit or regulator review.
Revenue by product and partner
Monthly revenue split by product, customer and partner, with volumes and take rates for at least 24 months.
Bank and scheme contracts
Sponsor bank, card scheme and processor agreements, with notice periods and change-of-control terms.
Technology and security
Architecture, uptime record, penetration tests, data protection and any certifications such as PCI DSS or ISO 27001.
Capital and finances
Audited accounts, regulatory capital position and any client money or safeguarded funds held.
Questions
Selling a fintech company: the straight answers.
How much is my fintech company worth?
Most fintech companies sell for between 2x and 10x annual revenue. Subscription software and embedded finance with recurring revenue sit at the top. Payments and FX businesses are valued on volume and take rate and usually sit in the middle. Lenders are typically valued against their loan book instead.
Does my licence transfer to a buyer?
A licence stays with the company that holds it, so when a buyer acquires your company the licence comes too. Most regulators must approve the new owner first. We plan that approval into the timetable from day one so it never holds up completion.
Who buys fintech companies?
Banks adding digital capability, payment groups buying volume or new markets, software companies adding financial products, and private equity building fintech platforms. We match your model to the buyers who value it most.
How long does a fintech sale take?
Usually 6 to 10 months, including regulatory change-of-control approval. Having your compliance file ready at the start is the single biggest thing that shortens it.
Can I sell to a buyer in another country?
Yes. Cross-border fintech deals are common, but some markets screen foreign buyers of financial businesses. We map those approvals before you go to market.
Will my partners or regulator find out early?
Not from us. Every buyer signs an NDA before they see your name. We agree with you exactly when to brief your sponsor bank, partners and regulator.
What do you charge?
A success fee, paid only when the sale completes. A first conversation and a valuation chat cost nothing.
Private, under NDA
Find out what banks, payment groups and funds would pay.
A free, confidential chat with an advisor who works on fintech deals every week. Payments, lending, wealth, regtech or crypto, any market, any size. If it moves money, bring it to us.