A group structure banks can onboard and investors can fund
A complex structure is the first thing a bank questions
Many fintech groups grow entity by entity, without a plan for how ownership, licences and operations fit together. Banks see unclear ownership chains and entities without real substance as red flags. Investors see them as risk. Both slow down every deal and every onboarding.
Corporate Structuring puts a clear architecture in place – before it costs you a bank account, a funding round or a licence.
Corporate architecture for regulated and
high-risk businesses
Entity set-up and substance planning
We coordinate entity formation in target jurisdictions, with the local substance banks and regulators expect to see.
Group structure design
CapitaLogic designs holding and operating structures around regulatory, tax and ownership requirements, working alongside your tax and legal advisors.
Qualifying holding and change-of-control approvals
CapitaLogic Consulting manages the approvals required when shareholders enter, exit or increase their stake.
Restructuring
We reorganise existing groups to support fundraising, M&A or new licences.
For groups
at a turning point
Founders setting up a structure ahead of a licence or banking applications
Businesses whose bank onboarding stalls because of ownership or substance questions
Licensed firms raising capital or bringing in new shareholders
Groups expanding into new jurisdictions or adding regulated entities
Companies preparing for acquisition, merger or exit
turning point
From current structure to target architecture
Structure review
We map your current entities, ownership, bank accounts and regulated activities.
Target design
We propose a structure that fits your commercial, banking and ownership goals.
Approvals and set-up
We manage notifications, approvals and entity formation.
Transition
We coordinate the move to the new structure without disrupting banking or licensed operations.
A structure that works for every stakeholder
Often combined with
Licensing & Market Entry
placing the licence in the right entity and jurisdiction.
Payments Consulting
opening banking and acquiring relationships for the new structure.
Fintech Consulting
preparing the business for investor and acquirer due diligence.
Structure first. Scale second
Tell us about your current group and where you plan to go next. CapitaLogic team will outline a structure that banks, investors and partners can work with – and the steps to get there.