Acquisitions, mergers, and sales
Compliant MSB can assist firms looking to buy or sell an MSB across jurisdictions; we have options across the following jurisdiction:
Why buy an existing firm vs applying for permission
Many firms prefer purchasing a payment institution over applying for a fresh license to save time and inherit an active user base. The pros and cons of this acquisition strategy are as follows:
Pros
The change-in-control process often takes a lot less time.
For example, 1 – 2 Months vs 10 – 12 months for full-on applications
There are options to buy a functioning and operational business
There are options for some companies to pass on their management team to the new owner.
Banking facilities are often very hard to get for new companies. Safeguarding, currency accounts etc.
Cons
You pay for the privilege of faster access to the market.
Example:
A Canadian MSB could cost $50,000
Whereas, in the assisted application process, we would charge $10,000 – $15,000
If you are not purchasing a clean MSB, then is are risks inherent in purchasing a business.
Purchasing a business carries risks like historical compliance gaps and hidden debts; however, rigorous due diligence can significantly minimise these threats.
How we work
The key part of the work is to ensure that there is clarity and transparency, our market experience below is some key reasons why we deliver positive outcomes:
Minimising the number of intermediaries. We aim to cut out as many middlemen as possible and ensure that buyers and sellers can interact directly where necessary.
Ensuring operational integrity through transparent stakeholder engagement and deep-dive due diligence.
Prior to engagement, we conduct a thorough assessment of potential risks to ensure you are fully informed. If we determine the risk profile is disproportionate to the reward, we will provide a candid recommendation against proceeding.
How we assist sellers
Prepare your firm for sale, including resolving outstanding issues affecting saleability and valuation
Advise on estimated valuation of your firm
Find and vet a reputable buyer for the business
How we assist buyers
Advise on the estimated valuation of the target business
Find and vet a reputable Seller, selling their business
Time Scales of Transactions
Each transaction will vary; however, we conduct due diligence, proof-of-funds checks, contract review, and exchange. We aim to complete this within 8 weeks.
Post-completion Services
We offer buyers the option to continue using our services to support recruiting, governance, AML, horizon scanning, IT, and regulatory reporting.
Our track record
We proudly maintain a 100% approval rate, supporting buyers and sellers.
Why choose us?
We guide you through the regulatory complexities of buying or selling a regulated firm. With deep industry expertise, we help you manage risk, stay compliant, and complete transactions smoothly.
