Fintech
Few sectors have rewritten their own rules as thoroughly as financial services.
For decades, banking, payments, lending and capital markets ran on infrastructure built for a pre-internet world. Fintech changed that completely - pulling financial products out of branches, embedding them into software, and exposing every incumbent to a faster, leaner, API-native generation of competitors. It is the rare sector where software economics meet regulated, trillion-dollar markets, and the result has been one of the most active corners of M&A and VC investment of the last decade.
Flow advises founders and investors across the fintech landscape - payments, neobanking, online lending, insurance, and the growing intersection of crypto and traditional finance.
Krita
Advising Elysian Fields on the growth investment in Krita, an Icelanding factoring firm.
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We cover all fintech subsectors
From payments through neobanking and embedded finance, we understand the entire fintech stack.
Our advisory expertise spans across payments, online lending, neobbanking, neoinsurance, and financial services software.
How we help fintech founders
Neobanking, payments, lending and embedded finance - regulated businesses with their own economic logic.
Fractional CFO
Take rate, interchange, loan-loss provisioning, treasury and regulatory reporting - fintech finance has moving parts an old-school CFO isn't set up for. We build models and reporting designed for businesses where the regulator reads the same numbers as the board.
VC fundraising
Fintech rarely raises clean equity - debt and capital-light structures usually sit alongside. We shape the capital stack, build the model and run the process with investors who understand regulated, balance-sheet-exposed businesses properly.
M&A
Fintech consolidation is on the rise. We know the strategic acquirers and PE platforms active in payments, neobanking and fintech infrastructure, and run tight processes focused on valuation and smooth regulatory compliance.
Fintech engagements we've advised on
We've advised on many category-defining fintech engagements.
What our clients say
Flow supported us from day 1, throughout the whole process, taking us from a fundraise to M&A. They understood what made Rebellion valuable and found an ideal buyer for us. Their advice was critical in getting the sale to the finish line and navigating complex closing environment. They made such a complicated process feel manageable. These are the M&A people you want in your corner.
Gin Gidre
Co-Founder & COO
Bringing on guys from Flow as our fractional CFO was a game-changer for A&Y. We had to clean up our reporting and build a financial model for the upcoming fundraise, and Nikhil & Olek delivered exactly what we needed. They became our trusted advisors who genuinely cared and later helped us during the fundraising process.
Franziska Leonhardt
Founder & CEO
We've worked with Flow Partners to build our financial model and improve reporting. Highly recommending these guys. Brought structure to our finances and helped us crystalize the vision. Also great experts across e-commerce and online marketplaces. Can't recommend them enough 🙏
Roy Bernheim
Co-Founder & CEO
We've worked with Flow Partners team several times by now on M&A processes. Their sector understanding and industry connections are exceptional, especially for online dating and overall online marketplaces. We LOVE their modern approach and critical thinking. Highly recommended to any technology investor (or a company) that is looking for a trusted, honest M&A partner.
Adam Hajer
Investment Manager
Flow Partners were pivotal in preparing BetterQA for our M&A process. Their expertise in building a financial model and crafting a compelling pitch deck brought structure and so needed clarity to our business. Highly recommended for their strategic insight, deep understanding of the software testing, and a personalized approach! 🙌
Tudor Brad
Founder & CEO
Very happy with Flow Partners, as they really think big picture and help beyond financial modelling. Organized our finance modelling in an efficient way, and then run our fundraising process, making it easy for us. They opened lots of doors to VCs and strategic investors that we wouldn't have accessed otherwise. Great guys, I recommend them highly!
Patric Lind
Co-Founder
Recent fintech insights
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