ERP for Fintech: The OS for Your Financial Operations
Stop wrestling with disconnected apps and manual reports. ArionERP provides a single, secure platform to automate compliance, streamline financials, and scale your Fintech with confidence.
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Why ArionERP is the Smart Choice for Fintech
Fintech-Native DNA
We're not a generic ERP retrofitted for finance. Our platform was built with complex financial operations in mind, handling multi-currency, revenue recognition, and regulatory nuances out-of-the-box. We speak your language.
Radical Flexibility
Your tech stack is your advantage. Our API-first architecture ensures ArionERP acts as your central hub, not a restrictive monolith. Integrate seamlessly with your payment gateways, banking partners, and proprietary systems.
Audit-Proof Compliance
Face audits with confidence. With built-in support for standards like SOC 2 and ISO 27001, plus complete audit trails for every transaction, we turn regulatory compliance from a recurring nightmare into a streamlined, automated process.
Scalable by Design
Built to grow with you from Series A to IPO and beyond. ArionERP handles increasing transaction volumes, new legal entities, and international expansion without requiring a costly, disruptive re-platforming project.
Transparent, Predictable Pricing
No eye-watering quotes or hidden fees characteristic of Tier-1 ERPs. Our pricing is designed for scaling businesses, allowing you to invest in your product and growth, not just your back-office software.
Rapid Implementation
Your market moves too fast for a multi-year implementation. Our agile, phased approach delivers value in weeks, not years. We get your core financial operations running quickly, then iterate and expand as you scale.
A Unified Data Hub
Eliminate data silos and spreadsheet chaos. ArionERP creates a single source of truth for all financial and operational data, providing stakeholders from finance to the C-suite with real-time, trustworthy insights.
AI-Powered Insights
Go beyond simple reporting. Our AI-enhanced modules offer predictive cash flow forecasting, transaction anomaly detection, and intelligent automation of manual tasks, freeing up your team for strategic work.
Your Partners in Growth
We're more than a software vendor; we are an extension of your team. Our experts, with deep experience in both technology and finance, provide ongoing support and strategic guidance to ensure you maximize the value of your investment.
Core ERP Capabilities for Fintech
Unified General Ledger (GL)
The unshakable foundation for your financial data. Our GL provides a single source of truth, automating consolidation across multiple currencies, entities, and geographies for a real-time, audit-ready view of your business.
- Multi-Entity & Multi-Currency: Seamlessly manage global operations with automated currency conversions and inter-company transactions.
- Continuous Close: Move away from the chaotic month-end scramble with real-time data that allows for a continuous, soft-close process.
- Flexible Chart of Accounts: Adapt your financial reporting structure as your business evolves with a dimensional and easily configurable chart of accounts.
Automated Revenue Recognition (ASC 606)
Automate complex revenue recognition to ensure compliance and accuracy. Our module handles diverse Fintech revenue streams, from subscriptions and transaction fees to usage-based billing, all in accordance with ASC 606 and IFRS 15.
- Configurable Rules Engine: Define custom rules to automate revenue deferrals and recognition schedules based on your specific business model.
- Dual Reporting: Maintain separate books for management and statutory reporting to satisfy different requirements simultaneously.
- Full Audit Trail: Track every revenue-related transaction from inception to recognition, providing complete transparency for auditors.
Regulatory & Compliance Reporting (RegTech)
Turn compliance from a cost center into a competitive advantage. We provide pre-built templates and automated workflows to simplify reporting for SOC 2, PCI DSS, AML, and other key regulations, reducing manual effort and risk.
- Automated Data Aggregation: Pull required data from across the ERP into compliance-ready formats automatically.
- Version Control & Approvals: Ensure accuracy and accountability with built-in workflows for report review and approval.
- Secure Data Archiving: Meet data retention policies with secure, long-term storage of all compliance documentation.
Subscription & Billing Management
Manage the entire subscriber lifecycle with precision. Our platform handles complex recurring revenue models, including tiered, usage-based, and hybrid billing, automating everything from invoicing to dunning and revenue recognition.
- Flexible Billing Cycles: Support any billing frequency—monthly, annually, quarterly, or custom—with automated proration for upgrades and downgrades.
- Automated Invoicing & Payments: Generate and deliver invoices automatically and integrate with payment gateways for seamless collections.
- Key SaaS Metrics: Track critical metrics like MRR, ARR, Churn, and LTV with out-of-the-box, real-time dashboards.
API & Integration Hub
Your ERP should be a collaborator, not a dictator. Our robust, RESTful API and pre-built connectors allow you to seamlessly integrate ArionERP with your entire Fintech ecosystem, from banking cores and payment processors to data analytics platforms.
- Modern, Well-Documented API: Empower your developers to build custom workflows and connect proprietary systems with ease.
- Pre-Built Connectors: Accelerate integration with popular platforms like Stripe, Plaid, Salesforce, and more.
- Secure Data Exchange: Ensure the integrity and security of your data with robust authentication and encryption protocols.
Treasury & Cash Management
Gain complete, real-time visibility and control over your most critical asset: cash. Our treasury module centralizes cash positioning, forecasting, and bank reconciliation to optimize liquidity and reduce financial risk.
- Real-Time Cash Positioning: View consolidated cash balances across all banks and entities from a single dashboard.
- AI-Powered Cash Forecasting: Leverage predictive analytics to forecast future cash flows with greater accuracy.
- Automated Bank Reconciliation: Automatically match transactions from bank statements to your general ledger, drastically reducing manual effort.
Procure-to-Pay Automation
Bring discipline and efficiency to your operational spending. Streamline the entire procurement process, from purchase requisition and approval workflows to vendor invoice processing and payments, all while enforcing budget controls.
- Automated Approval Workflows: Create multi-level approval chains to ensure all purchases are properly vetted and authorized.
- Budgetary Controls: Prevent overspending by enforcing budget checks at the point of requisition.
- Three-Way Matching: Automatically match purchase orders, goods receipts, and vendor invoices to prevent fraudulent or duplicate payments.
Financial Planning & Analysis (FP&A)
Transform your FP&A function from a reactive reporting team to a strategic advisory partner. Our tools enable collaborative budgeting, rolling forecasts, and sophisticated scenario modeling to drive smarter business decisions.
- Collaborative Budgeting: Involve department heads in the budgeting process with intuitive, web-based input forms and workflows.
- Rolling Forecasts: Move beyond static annual budgets with the ability to continuously update forecasts based on actual performance.
- What-If Scenario Modeling: Instantly model the financial impact of different business decisions, such as new market entry or pricing changes.
Investor & Board Reporting
Generate accurate, professional, and insightful reports for your most important stakeholders in minutes, not days. Automate the creation of board decks and investor updates with real-time data pulled directly from your financial core.
- Customizable Templates: Create and save report templates that match your company's branding and specific KPI requirements.
- Automated Data Population: Eliminate copy-paste errors by linking report metrics directly to live data in the ERP.
- Drill-Down Capabilities: Allow stakeholders to drill down from high-level summary figures to the underlying transaction details for full transparency.
CRM for Financial Services
Build and manage client relationships with a 360-degree view of every interaction. Our integrated CRM is tailored for Fintech, tracking everything from initial lead engagement to ongoing client support and cross-sell opportunities.
- Unified Client View: See all client data, including transactions, support tickets, and communications, in one place.
- Sales Pipeline Management: Track deals from lead to close with customizable stages and automated follow-up reminders.
- Compliance & Suitability Tracking: Document client interactions and ensure that all regulatory requirements for communication are met.
HR & Payroll for Fintech
Manage your most valuable asset—your people. Our HR module handles the unique needs of a fast-growing tech company, from streamlined onboarding and performance management to complex payroll with bonuses and equity compensation.
- Automated Onboarding: Ensure a smooth and consistent onboarding experience for new hires with automated checklists and document management.
- Performance Management: Set goals, conduct reviews, and track employee performance in a centralized system.
- Complex Compensation: Handle varied compensation structures, including commissions, bonuses, and stock options, with an integrated payroll engine.
Project Accounting
For Fintechs engaged in implementation projects or bespoke development for clients, our project accounting module provides full financial control. Track project budgets, costs, time, and billing to ensure profitability and on-time delivery.
- Budget vs. Actual Tracking: Monitor project financial health in real-time with detailed budget vs. actual cost reporting.
- Time & Expense Management: Capture all project-related time and expenses accurately for billing and analysis.
- Milestone-Based Billing: Automate invoicing based on the achievement of project milestones or other contractual terms.
AI-Powered Anomaly Detection
Proactively identify and mitigate financial risks. Our machine learning algorithms continuously analyze your transaction data to flag unusual patterns, potential fraud, or compliance breaches before they become major problems.
- Self-Learning Models: The system learns your normal transaction patterns to reduce false positives and improve detection accuracy over time.
- Customizable Alerts: Define rules and thresholds to receive real-time alerts for suspicious activities that matter most to your business.
- Case Management Workflow: Investigate and resolve flagged anomalies within a structured workflow, creating a full audit trail of the investigation.
Secure Document Management
Centralize and secure all your critical business documents. Our integrated document management system provides a single, controlled repository for vendor contracts, client agreements, compliance evidence, and financial reports.
- Version Control: Ensure everyone is working from the latest version of a document with a complete history of all changes.
- Granular Access Permissions: Control who can view, edit, and approve documents based on their role and responsibilities.
- Full-Text Search: Quickly find any document or clause with powerful, OCR-enabled search capabilities.
Fixed Asset Management
Manage the complete lifecycle of your physical and intangible assets, from acquisition to disposal. Automate depreciation calculations, track asset locations, and ensure your balance sheet is always accurate.
- Automated Depreciation: Support for multiple depreciation methods (e.g., straight-line, declining balance) with automated journal entry posting.
- Asset Tracking: Maintain a complete register of all assets, including location, custodian, and maintenance history.
- Intangible Asset Management: Properly account for capitalized software, patents, and other intangible assets according to accounting standards.
Real-World Fintech Transformations
Lending Platform Scales Loan Servicing & Financials
Industry: B2B Lending & Alternative Finance
Client Overview: A fast-growing B2B lending platform that provides working capital to small businesses. After securing Series B funding, their manual loan servicing processes, managed in spreadsheets and a basic accounting package, were becoming a major operational bottleneck and source of financial errors.
"We were drowning in spreadsheets. ArionERP gave us a scalable foundation to automate our entire loan lifecycle accounting. Our month-end close went from a 10-day fire drill to a 2-day review. It's been a complete game-changer for our finance team."
Key Challenges:
- Inability to scale loan origination and servicing processes.
- High risk of errors in manual interest calculations and payment reconciliations.
- Lack of real-time visibility into loan portfolio performance.
- Difficult and time-consuming process to generate investor and regulatory reports.
Our Solution:
We implemented ArionERP's core financial and project accounting modules, configured specifically for the loan lifecycle:
- Automated the creation of a unique GL sub-ledger for each loan originated.
- Developed automated workflows for payment processing, interest accrual, and fee recognition.
- Created real-time dashboards for monitoring portfolio health, including delinquency and yield metrics.
- Utilized the reporting engine to automate the generation of investor statements and covenant reports.
SaaS Payment Processor Automates ASC 606 Compliance
Industry: Payment Processing & SaaS
Client Overview: A mid-market payment processor offering a subscription-based platform. Their existing accounting system couldn't handle the complexities of ASC 606 for their mix of recurring subscription fees, variable transaction fees, and one-time setup fees, forcing them to rely on a massive, error-prone spreadsheet model for revenue recognition.
"ASC 606 was our biggest audit risk. ArionERP's revenue recognition module took a process that was 90% manual and made it 95% automated. Our auditors were impressed, and I can finally sleep at night."
Key Challenges:
- Significant audit risk due to manual, complex revenue recognition spreadsheets.
- Inability to forecast future revenue with any degree of confidence.
- Time-consuming process to calculate and post revenue journal entries each month.
- Lack of detailed reporting on revenue by product line, customer segment, and geography.
Our Solution:
We deployed ArionERP with a focus on the Automated Revenue Recognition and Subscription Billing modules:
- Configured distinct revenue rules for each revenue stream (SaaS, transaction, professional services).
- Integrated the ERP with their core processing platform to automatically capture all billing and usage data.
- Automated the entire revenue lifecycle, from deferral of cash receipts to the time-based recognition of revenue.
- Built a suite of dashboards providing deep insights into recognized revenue, deferred revenue waterfalls, and key SaaS metrics.
WealthTech Startup Achieves Investor-Ready Reporting
Industry: WealthTech & Asset Management
Client Overview: An innovative WealthTech startup providing a platform for managing alternative investments. They struggled to consolidate financial data from their corporate entity and multiple investment SPVs, making it nearly impossible to provide timely and accurate performance reports to their investors and board.
"Before ArionERP, creating our board deck took a week of frantic data gathering. Now, our core financial and KPI slides are generated automatically. We look more professional, and we can focus on the narrative, not the numbers."
Key Challenges:
- Manual and slow consolidation of financials across multiple legal entities.
- Inconsistent KPIs and metrics due to data being pulled from different sources.
- Inability to provide investors with on-demand, transparent performance data.
- Heavy reliance on the finance team for even basic operational reports.
Our Solution:
We implemented ArionERP's multi-entity financial management and advanced analytics capabilities:
- Set up a parent company and multiple child entities within the ERP for seamless, one-click consolidation.
- Automated inter-company eliminations and currency translations.
- Built a centralized KPI dashboard tracking key metrics like AUM, client growth, and operational margins.
- Created a secure "Investor Portal" report pack that could be generated and distributed with a single click, ensuring all stakeholders receive consistent, accurate information.
Built on a Foundation of Security, Compliance & Modern Technology
Our platform integrates with your modern tech stack and is certified against the highest global standards for security and process maturity.
How ArionERP Compares
| Feature | Spreadsheets & Manual Processes | ArionERP for Fintech | Traditional Tier-1 ERPs |
|---|---|---|---|
| Scalability |
Breaks under volume |
Grows from startup to enterprise |
Highly scalable |
| Compliance Automation |
100% Manual & High-Risk |
Built-in, automated reporting |
Robust, but complex to configure |
| Flexibility & Integration |
Data silos, no APIs |
API-first, designed for integration |
Often rigid and monolithic |
| Total Cost of Ownership (TCO) |
Low software cost, high error/labor cost |
Predictable, high ROI |
Very high licensing & implementation cost |
| Implementation Speed |
Instant (but ineffective) |
Weeks to months |
Months to years |
| Real-Time Data |
Never up-to-date |
Single source of truth, always live |
Yes, but often requires data warehousing |
Meet Your Fintech Transformation Experts
Dr. Bjorn H.
V.P. - Ph.D., FinTech, DeFi, Neuromarketing. A visionary in applying advanced financial models and technology to solve complex business challenges.
Joseph A.
Expert Cybersecurity & Software Engineering. Specializes in building secure, scalable, and compliant software architectures for the financial services industry.
Vikas J.
Divisional Manager - ITOps, Certified Expert Ethical Hacker, Enterprise Cloud & SecOps Solutions. Ensures your ERP is deployed on a resilient and secure infrastructure.
Vishal N.
Manager, Certified Hyper Personalization Expert, Senior Data Scientist (AI/ML). Leverages AI to provide predictive insights and automate financial processes.
What Our Fintech Clients Say
"As a COO, my biggest fear was our operations breaking as we scaled. ArionERP automated our back-office and gave us a single source of truth. We can now onboard enterprise clients with confidence, knowing our systems can handle the complexity."
"The API-first approach was the deciding factor for us. Our engineering team found it incredibly easy to integrate ArionERP with our proprietary lending platform. It's the perfect balance of a stable financial core and the flexibility a tech company needs."
"We went through a SOC 2 audit six months after implementing ArionERP. The auditors were blown away by the automated controls and the complete audit trail. It saved us thousands in consulting fees and countless hours of stress."
"Moving from QuickBooks was a big step, but ArionERP's team made it seamless. Their understanding of multi-entity consolidation and multi-currency accounting for a global fintech like ours was impressive. Our reporting is now faster and infinitely more reliable."
"The ability to model different revenue scenarios directly in the ERP has been invaluable for our strategic planning. We can now make data-driven decisions about pricing and expansion with a clear view of the potential financial impact."
"We chose ArionERP because we needed more than just software; we needed a partner. Their implementation team was exceptional, providing insights and best practices that went beyond the technical setup. They are genuinely invested in our success."
Tailored for Every Fintech Vertical
Payment Processors
Lending Platforms
WealthTech & Robo-Advisors
InsurTech
RegTech
Neobanks & Challenger Banks
Crypto & Digital Assets
Remittance & FX
Future-Proof Your Financial Operations
AI-Driven Finance is Here
Our platform is infused with AI and machine learning to move your finance function from reactive to predictive. Leverage AI for more accurate cash flow forecasting, intelligent anomaly detection to prevent fraud, and robotic process automation (RPA) to eliminate tedious manual tasks. Stay ahead of the curve with a system that gets smarter over time.
Ready for Web3 and DeFi
The financial world is evolving. ArionERP's flexible, API-first architecture is designed to adapt. Our robust general ledger and configurable sub-ledgers provide the foundation to manage digital assets, tokenized securities, and connect to decentralized finance (DeFi) protocols as the landscape matures. Be ready for what's next.
Frequently Asked Questions
A Fintech ERP is an Enterprise Resource Planning system specifically designed to handle the unique challenges of a financial technology company. Unlike generic ERPs, it has core functionalities for multi-currency accounting, automated revenue recognition (ASC 606), rigorous security and compliance (like SOC 2), and API-first integrations to connect with a modern financial tech stack.
It's a common misconception. Implementing a scalable ERP early is actually more efficient than waiting until your manual processes break. Starting with a flexible system like ArionERP establishes a solid, compliant foundation from day one, preventing a painful and expensive migration later. Our pricing and implementation models are designed specifically for scaling companies.
Our implementation timelines are measured in weeks and months, not years. A typical "QuickStart" for a startup can have core financials live in 8-12 weeks. More complex projects with multiple integrations or entities may take 4-6 months. We focus on an agile, phased approach to deliver value as quickly as possible.
Security is our highest priority. ArionERP is hosted on world-class cloud infrastructure (AWS/Azure) and we are SOC 2, ISO 27001, and CMMI Level 5 certified. We employ end-to-end encryption, granular role-based access controls, and continuous security monitoring to protect your sensitive financial data.
Absolutely. This is one of our core strengths. Our platform is built on a modern, RESTful API. This makes it straightforward for your development team to build robust, two-way integrations between ArionERP and your core product, data warehouse, or any other system in your tech stack.
Our pricing is transparent and designed to scale with you. It's based on the modules you need and the number of users. We are significantly more cost-effective than traditional Tier-1 ERPs like NetSuite or SAP, without sacrificing core functionality. For a detailed quote tailored to your specific needs, we recommend a brief consultation with one of our specialists.
Ready to Build Your Fintech's Future-Proof Foundation?
Stop letting operational friction and compliance risk slow your growth. Discover how ArionERP can provide the scalable, secure, and intelligent financial core your business needs to win. Schedule a free, no-obligation consultation with one of our Fintech ERP experts today.