Fintech Founders: Master These 5 Keys to Attract Growth Capital by 2026

• Growth capital is still available, but investors are now highly selective, prioritizing sustainable growth, sound unit economics, and a clear path to profitability over rapid user acquisition.
• Regulatory strength is crucial; investors seek founders who integrate compliance, audit, data governance, and risk management as core functions, not afterthoughts.
• The focus has shifted from consumer apps to core infrastructure; investors favor fintechs building defensible systems like risk engines and underwriting platforms.
• Strong governance, including independent boards, robust oversight, and mature financial reporting, is now a prerequisite for Series B and C funding decisions.
• Capital efficiency is paramount, with investors scrutinizing how effectively companies deploy capital and whether it leads to durable, sustainable returns.