We love all our clients, but it’s especially fun to work with innovators and entrepreneurs.
While fintech feels like today’s next big thing, we’ve been helping financial services and credit businesses innovate since 2002.
If you’re pioneering a new approach or just bringing fresh thinking to the tried and true, you’ll need to understand the regulatory implications and find the best way to manage them.
This is The Fold’s favourite territory. Our team of fintech lawyers have helped peer to peer lenders, online comparison sites, robo advisers, payments platforms and many more.
- Working out whether you need a licence
- Explaining what laws apply to your fintech business
- Applying for an AFSL or ACL
- Reviewing websites and preparing disclosure documents
- Structuring your business
- Drafting and negotiating contracts
How we work with you
We keep it simple – We aim to dispel the belief that financial services and credit regulation is mysterious, complicated and difficult to access – it doesn’t have to be. In every interaction with our clients, we offer simple, accessible advice and guidance, and delight in watching the lights go on…
We get it right – We appreciate the pressure that regulation places on starting your business. And we understand the far-reaching effects that the wrong advice can have. So we've built a team of specialists with the character, knowledge, insight and expertise to get it right, every time.
We’re networked – When you’re starting out, sometimes the most valuable thing we can do is connect you to others. Relationships are at the centre of everything we do and we constantly look for opportunities to introduce our clients to each other.
Clients also value our collaborative and mutually respectful relationship with ASIC.
We're cost conscious – We know your budget is tight. We offer accurate cost estimates upfront, fixed fees wherever possible and a range of low cost customisable manuals and tools to inform and guide you, supported by specialist legal advice to solve more complex issues.
Because we’ve been doing this for more than a decade, we can turn your work around fast, accurately and cost effectively. You won’t find a butler or acres of marble at our offices. They’re not reflected in our rates either.
We're problem solvers – not handbrakes on doing business. We adopt a ‘test and learn’ approach to find a solution that suits your value proposition – rather than drown under the weight of the compliance red tape that can strangle good ideas at birth.
The Fold have struck us as being very forward-thinking and diligent. Their strongest feature is their ability to offer multiple options and commercial advice that actually considers our business model.
Fintech client, Chambers Fintech Guide 2018
A small firm using technology, clear-headed strategy and imagination to punch above its weight in a specialist market. The Fold’s
focus on not over-lawyering is ahead of the curve...
2015 Legal Innovation Index
They have significant experience and understand the aspects of the law that are most relevant to fintechs and startups. Every person that we worked with at The Fold Legal thought strategically about the law, and how it impacts our business. In addition to legal advice, the team have been super helpful with introductions to potential partners, mentors and investors. They are also great to deal with, cost-effective, collaborative and agile.
Snug.com, Justin Butterworth
They understand fintech businesses and their challenges with scaling. They also understand how to communicate with industry regulators on licencing matters, especially for innovative models that are new to the market.
HashChing, Siobhan Hayden