Bookkeeping for Fintech
Bookkeeping Services
Built for Fintech Complexity
Complex Revenue Model Expertise
We handle the accounting for interchange, transaction fees, subscription revenue, interest income, and other fintech revenue structures -- correctly classified and consistently applied.
Regulatory and Investor Ready
We maintain financial records to the standard that regulators, institutional investors, and PCAOB auditors require in the highly scrutinized fintech sector.
Technical Accounting Depth
From financial instrument classification to revenue recognition for multi-sided platforms, we bring the technical accounting expertise that fintech business models consistently demand.
100+
Successful transactions completed
20+
Years of experience
$5 - 50m
Average size of transaction
$20-200m
Average market cap of clients across tech, manufacturing & services
Bookkeeping and Accounting for Fintech Companies
What makes us different?
Fintech companies operate at the intersection of financial services and technology, and their accounting reflects that complexity. Revenue streams combine transaction fees, interchange, subscription revenue, interest income, and other components that require careful classification. Financial instruments — both those the company issues and those it holds — require analysis under ASC 480 and ASC 815. Regulatory requirements add additional reporting and compliance dimensions that most bookkeeping services are not equipped to handle.
Corviniti provides bookkeeping and accounting services to fintech companies that need a technically capable, senior-led finance function. We handle the accounting complexity specific to fintech business models, maintain the financial records to institutional standards, and produce the reporting that investors, regulators, and auditors expect.
We work with payments companies, lending platforms, neobanks, and other fintech businesses at every stage — from early-stage companies establishing their financial infrastructure to growth-stage companies preparing for institutional capital raises or an eventual public offering.
We help with:
- Multi-Stream Revenue Accounting: Account for interchange, transaction fees, interest income, subscription revenue, and other fintech revenue streams correctly under ASC 606 and applicable guidance.
- Financial Instrument Accounting: Analyze and account for complex financial instruments — loans held for investment, securities, derivatives, and issued convertible instruments.
- Payment Processing Reconciliation: Reconcile payment processor settlements, clearing accounts, and merchant reserves to ensure the general ledger reflects actual cash flows accurately.
- Regulatory Reporting Support: Maintain the financial records and supporting documentation required for regulatory filings and examinations.
- Deferred Revenue and Subscription Accounting: Account for subscription and platform revenue under ASC 606, including deferred revenue schedules and performance obligation analysis.
- Stock-Based Compensation: Record equity award expense under ASC 718 and maintain the grant schedules and disclosures that institutional investors and auditors expect.
- Monthly Close and Financial Statements: Execute a complete monthly close and deliver GAAP-compliant financial statements on the schedule your board and investors require.
- Audit and Due Diligence Preparation: Prepare financial records and supporting documentation for institutional audits and investor due diligence processes.
Our Bookkeeping Services
Monthly Bookkeeping
Maintain accurate, GAAP-compliant financial records with a disciplined close process that reflects the actual performance of a complex fintech business model.
- Revenue Stream Reconciliation: Reconcile all revenue streams — interchange, fees, interest, subscriptions — to source data at month-end.
- Payment Processor Reconciliation: Reconcile settlement accounts, clearing accounts, and reserves from payment processors to the general ledger.
- Financial Statement Delivery: Deliver accurate, GAAP-compliant financial statements on the timeline your reporting cadence requires.
- Instrument and Investment Accounting: Account for financial instruments held or issued by the company, including fair value measurements where required.
Cleanup and Catch-Up
Organize and correct historical financial records to meet the standard that institutional investors, regulators, and auditors require.
- Revenue Reclassification: Review and correct historical revenue classification to ensure consistent application of accounting policies across all periods.
- Instrument Accounting Cleanup: Identify and correct historical accounting for financial instruments, SAFEs, convertible notes, and equity instruments.
- Reconciliation Cleanup: Resolve historical reconciling items in payment processor accounts, clearing accounts, and other fintech-specific balance sheet items.
Financial Planning & Analysis
Translate accurate financial records into the metrics and forward-looking analysis that fintech investors and management teams rely on.
- Unit Economics Reporting: Track and report on the unit economics that fintech investors focus on — take rate, CAC, LTV, and contribution margin by product or segment.
- Cash and Liquidity Modeling: Maintain forward-looking cash models that reflect the liquidity dynamics specific to fintech businesses — float, reserves, and funding requirements.
- Board and Investor Reporting: Prepare financial packages for board meetings and investor updates with the metrics and analysis institutional investors expect.
Contact us to discuss the scope and pricing appropriate for your fintech business model and stage.
Why Choose Us?
Big 4 expertise,
boutique agility
Corviniti brings Big 4 technical accounting depth to fintech bookkeeping engagements — combined with the responsiveness of a boutique that understands how quickly fintech companies move. We handle the complexity so you can focus on the business.
Fintech and capital markets are a core part of what we do
From early-stage payments companies establishing their financial infrastructure to growth-stage lending platforms preparing for an institutional capital raise, Corviniti provides the bookkeeping and accounting support that fintech complexity requires.
- Payments, Lending, and Neobank Platforms
- VC-Backed and Pre-IPO Fintech Companies
- Regulatory and Investor Standards
- Big Four Experience
- Capital Markets Ready
Contact Us To
Learn More
Call: (347) 472-1115
Email: info@corviniti.com
Tell us about your fintech business model and what your current bookkeeping and accounting function looks like. We will respond within 24 hours.
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Frequently Asked Questions
Fintech companies have several accounting complexities that require technical depth beyond standard bookkeeping: multiple revenue streams with different recognition patterns, complex financial instruments on both sides of the balance sheet, payment processor reconciliations that involve clearing accounts and timing differences, and regulatory reporting requirements that add additional compliance dimensions. These require professionals with the technical accounting background to handle them correctly.
We reconcile payment processor settlements, clearing accounts, and merchant reserves to the general ledger at each close. This involves matching settlement files to bank deposits, accounting for timing differences, reconciling reserve balances, and ensuring that the net revenue figures in the general ledger agree to the underlying settlement data. Payment processor reconciliations are one of the most common sources of errors in fintech bookkeeping.
We analyze each revenue stream under the applicable accounting guidance — primarily ASC 606 for service and subscription revenue, and specific financial instrument guidance for interest income and gains. We determine the correct classification, document the accounting policy, and apply it consistently across all periods. Where revenue streams are complex or involve significant judgment, we prepare a technical memo documenting the conclusion.
Yes. We account for financial assets — loans held for investment, securities, and other financial instruments — under the applicable GAAP guidance, including fair value measurement, amortized cost accounting, and the current expected credit loss (CECL) model under ASC 326 where applicable.
Series B investors conduct financial due diligence and expect audited or auditable financial statements, correctly classified revenue, clean equity records, and financial models that accurately reflect the business. We help companies prepare for institutional rounds by cleaning up the books, resolving technical accounting questions, preparing board-ready financial packages, and building the documentation package that due diligence requires.
Yes. We regularly work with foreign private issuers and companies with cross-border structures, including IFRS reporting, US GAAP reconciliations, and multi-entity consolidations for companies with domestic and international subsidiaries.
In most cases, we can begin within a few days of finalizing our agreement. Our KYC and onboarding process is straightforward and does not create unnecessary delays before the actual work starts.
