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PITCH GUIDE

Fintech pitch deck guide

Building trust in a regulated industry

Fintech investors evaluate startups through the lens of regulatory compliance, unit economics, and scalable distribution. Your pitch needs to demonstrate deep understanding of financial regulations while showing a clear path to profitability.

280+ Fintech investors
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Key metrics to know

Customer Acquisition Cost (CAC)

How much you spend to acquire each customer, broken down by channel.

Benchmark: Top fintechs achieve CAC payback within 12 months.

Net Revenue Retention (NRR)

Revenue retained from existing customers, including upsells minus churn.

Benchmark: Best-in-class B2B fintechs target 120%+ NRR.

Take Rate / Margin

Your percentage on each transaction or the margin on financial products.

Benchmark: Payment processors: 0.5-3%, Lending: 3-8% net interest margin.

Regulatory Status

Current licenses held, applications in progress, and compliance framework.

Default / Loss Rate

For lending products, your historical default rates and loss provisions.

Benchmark: Consumer lending: <5% default rate for quality underwriting.

Must-have slides

1Regulatory strategy

Show you understand the regulatory landscape

  • List all required licenses and your status for each
  • Explain your compliance infrastructure
  • Address how regulations create moats, not just barriers

2Unit economics

Prove the math works at scale

Common mistakes to avoid

  • !Underestimating regulatory timelines and costs
  • !Not having a compliance expert on the team or board
  • !Focusing on growth without proving unit economics
  • !Ignoring incumbent partnerships as a distribution channel
  • !Presenting unrealistic margin expectations

What investors expect

  • Deep domain expertise - ideally founders from banking/financial services
  • Clear regulatory pathway with realistic timelines
  • Partnerships with established financial institutions
  • Strong compliance and risk management infrastructure
  • Capital-efficient growth strategy

Ready to pitch?

Show fully-loaded CAC including all acquisition costs
  • Demonstrate LTV:CAC ratio of 3:1 or better
  • Break down revenue per customer over time
  • 3Risk management

    Demonstrate sophisticated risk understanding

    • For lending: show underwriting model performance
    • For payments: address fraud prevention
    • Include stress test scenarios

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