CFO mathematics

$30M RAISED.
$0 REGULATED REVENUE.
STILL WAITING FOR THE LICENSE?

There is nothing wrong with applying for your own license. But funded fintechs have another variable to consider: what is 12 months worth to you?

SEE WHAT LICENSES ARE AVAILABLE →

OPPORTUNITY COST OF THE QUEUE

RAISED$30,000,000

MONTHLY BURN$700,000

LICENSING WAIT14 MONTHS

CAPITAL BURNED WHILE WAITING$9,800,000

Now tell me the acquisition premium is expensive.

If an appropriate licensed business is available for acquisition, paying a premium may be substantially cheaper than paying the opportunity cost of waiting.

Don’t compare acquisition cost with application fees. Compare it with the economic value of launching earlier.

HOW IT ACTUALLY WORKS

You don't literally “buy a license.” You acquire a licensed company.

In most jurisdictions the transaction is an acquisition of a regulated entity, subject to regulatory change-of-control approval. We manage the commercial process around it.

Identify

We source licensed financial businesses available for acquisition — payments, money transmission, EMI/PI, MSB and more — across multiple jurisdictions.

Evaluate

Commercial and regulatory due diligence: corporate history, compliance infrastructure, banking relationships, what the premium actually buys.

Acquire

Structure the transaction and pursue change-of-control approval — so you enter the market months, not years, from now.

Run both calculations
before you enter the queue.