Fintech & Financial Services
SSA advises founders, companies and investors on investment transactions from the first commercial terms through signing, closing and post-investment governance.
We structure the transaction, prepare and negotiate the principal investment documents and coordinate the corporate and regulatory steps needed to complete it. Where the target is a fintech or regulated business, the investment is structured alongside the applicable ownership, control, foreign-investment and regulatory-approval requirements.
How SSA Supports the Mandate
Our role is to turn the proposed business or transaction into the applications, documents, structures and operating arrangements required to move it forward.
The precise workstream is tailored to the product, licence category, ownership structure and stage of the business. Where a mandate also requires cross-border, technology, transactional or continuing compliance support, those elements are integrated into the engagement.
We advise on valuation and investment mechanics, equity and preference structures, liquidation preference, anti-dilution, reserved matters, board rights, founder arrangements, conditions precedent and exit rights. The objective is to identify the consequences of the commercial terms before they become embedded in definitive documentation.
SSA prepares and negotiates subscription agreements, share purchase agreements and other investment instruments, including representations and warranties, conditions precedent, completion mechanics, covenants, indemnity structures and the documents required to implement the investment.
We document the post-investment relationship through shareholders agreements and constitutional changes covering board composition, reserved matters, information rights, pre-emption, transfer restrictions, tag and drag rights, founder commitments, vesting and other governance protections.
For overseas investors and regulated targets, we address foreign ownership, remittance and capital mechanics, exchange-control considerations and any sector-specific approval or notification. Investments into NBFCs, EMIs, payment businesses and VASPs are assessed against the ownership, control and fit-and-proper framework applicable to the target.
Where the funding is not straightforward equity, we advise on venture debt, shareholder or investor financing, conversion mechanics, security, repayment, covenants and intercreditor issues. The instrument is structured around both the company's capital needs and the legal mechanics required to implement the funding.
We manage the corporate approvals, conditions precedent and closing deliverables required to complete the transaction. We also advise on secondary transfers, founder or investor liquidity, strategic exits and the shareholder-consent, transfer-restriction and regulatory mechanics that apply to the proposed exit.
Our Approach
We identify the regulatory perimeter, approvals and sequencing before the application or transaction is built.
We prepare and coordinate the applications, business and corporate materials, policies, contracts and supporting submissions required for the mandate.
We support regulatory observations, implementation, launch and subsequent changes so the legal structure remains aligned with the operating business.
Your Team
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