Fintech companies need strong financial infrastructure early, with accounting systems and processes that can handle complex transactions, evolving products, and regulatory requirements.
As transaction volume, revenue streams, headcount, and geographic reach grow, finance operations need to support more sophisticated reporting, forecasting, tax compliance, and internal controls.
As products and business models evolve, Graphite helps keep accounting, finance, tax, payroll, and reporting aligned with the way the business is actually operating.
Transaction Accounting & Reconciliations
Financial reporting and forecasting
Tax compliance and R&D tax credits
Multi-state payroll and operational support
Transaction Accounting & Reconciliations
Fintech companies often manage high transaction volumes, multiple payment processors, and complex cash movement. We keep accounts reconciled and financialreporting accurate as activity scales.
Payment processor and bank account reconciliation
High-volume transaction accounting and categorization
Balance sheet and cash account accuracy
Financial reporting & forecasting
Leadership needs a clear view of performance, cash, and future operating needs. We build reporting and forecasts that support day-to-day decisions, board conversations, and fundraising.
Burn, runway, and cash flow forecasting
Board and investor reporting
Scenario planning for hiring and growth
Tax compliance & R&D tax credits
Fintech growth can create federal, state, and multi-state tax requirements alongside meaningful R&D tax credit opportunities. We manage ongoing tax compliance and help identify, document, and claim eligible credits.
Federal and state tax filing and compliance
Multi-state nexus analysis and tax support
R&D tax credit identification, documentation, and filing
Multi-State Payroll & People Operations
Distributed fintech teams create payroll registrations, state tax requirements, and added compliance complexity as they grow. We manage payroll and HR operations across states so hiring stays organized and compliant.
Multi-state payroll administration and compliance
State registrations and payroll tax coordination
HR operations and employee support
OUR DIFFERENCE
One financial team across your fintech business
Graphite brings accounting, finance, tax, payroll, and HR together so the financial operation stays coordinated as your company grows.
Fintech companies often reach a point where bookkeeping, tax, payroll, forecasting, and financial strategy are spread across multiple providers. We connect those functions around the same underlying financial data, giving leadership clearer reporting, stronger planning, and a team that understands how decisions across the business affect the numbers.
Frequently Asked Questions
Here you can find some of the most common questions we receive.
Potentially qualifying work can include payment infrastructure, fraud detection, underwriting systems, APIs, security, algorithms, machine learning, and other technical development.
Yes! Graphite helps maintain accurate financials, forecasts, tax records, and supporting documentation for fundraising, board reporting, and investor diligence.
When your fintech business is moving faster than your finance function can keep up — whether that means preparing for a fundraise, tightening revenue recognition, improving board reporting, or getting better visibility into burn, runway, and growth decisions.
