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Fintech Delta
Station Fintech Montréal
Aligning fintech startups from pre-seed to Series A stage with institutional clients
What is Fintech Delta?
Fintech Delta is an equity-free, no-fee acceleration program led by Station Fintech Montréal, designed for Canadian fintech startups at the pre-seed stage that are ready to scale. Designed with financial institutions and operated by former founders, the program provides direct access to institutional clients, experts, and investors, both in Canada and internationally.
Station Fintech Montréal is an initiative of
Finance Montréal.
Privileged access to financial institutions
Connect directly with banks, insurers, financial institutions, and regulators to accelerate your partnerships.
️Discover Finance Montréal's members
Network designed to accelerate
Join an ecosystem of investors, partners, and key decision-makers in a program founded for and dedicated to the fintech ecosystem.
Support for market development, here and abroad
Boost your presence on the Canadian and international stages. The most successful teams can join economic delegations.
Customized growth milestones
Move forward with personalized goals, defined according to your stage of maturity and priorities.
Flexibility designed for founders
Participate in the program without heavy time constraints, thanks to targeted meetings and asynchronous follow-ups.
Mentors within reach
Get strategic support in sales, compliance, finance, technology, and growth, with no equity stake or fees.
What sets Fintech Delta apart
No fees. No equity taken.
Institutional entry point
Merit-based selection
A network of fintech investors, from seed to Series A
Selection criteria
- Be a fintech or fintech+ startup (see FAQ for definitions).
- Have a financial runway of 12 to 18 months or demonstrate growing revenue.
- Have a founding team with a majority of members working full-time in the company.
- Demonstrate a sufficient level of team maturity, including: an autonomous team, clearly defined objectives over a two-year horizon, and identified key growth constraints.
- Be able to participate in the Canada Fintech Forum (September 2026, Montreal) for the pitch session.
- Be available to participate in selected key ecosystem events, including:
- Toronto Tech Week (May 2026)
- Web Summit Vancouver (May 2026)
- Sustainable Finance Summit (June 2026)
- New York Tech Week (June 2026)
- Startupfest (July 2026)
- San Francisco Tech Week (October 2026)
Ideally, the applying startup should:
- Have obtained, at minimum, a letter of intent (term sheet) for a Seed funding round, with the objective of targeting Series A or A+ within a 9 to 15-month horizon.
- Be prepared to adapt, or already have in place, an adequate compliance framework to meet the procurement requirements of Finance Montréal members.
- Be willing and prepared to significantly accelerate and/or restructure its sales strategy.
- Have been referred by a validation, launch, or incubation program, or by a venture capital firm willing to fund the company.
Not sure whether you should apply?
All applications are reviewed by a human team that takes the time to assess each profile holistically. Even if your startup does not yet meet all the criteria, we aim to understand your trajectory, your needs, and the best way to support you.
When appropriate, your application may also be redirected to the Validation program, which may be better suited to your stage of development.
FAQ
Fintech Delta is an equity-free, no-fee acceleration program designed to help fintech and fintech+ startups scale nationally and/or internationally, secure institutional clients, and prepare for a Series A+ fundraising round.
The program is led by Station Fintech Montréal, an initiative of Finance Montréal, and provides direct access to an international network of financial institutions, regulators, and strategic partners.
The program is built on the observation that fintech innovation in Canada has experienced a period of slowdown in recent years, even as regulatory developments, artificial intelligence, and blockchain technologies are opening a new window of business opportunities. Fintech Delta aims to support the emergence and structuring of this next wave of innovation.
Yes. The program includes a strong expansion component in Canada and internationally (United States, Europe, Asia), with hands-on go-to-market support, as well as access to targeted delegations and missions.
Fintech: a company whose business model is directly built around the management of financial data and financial flows.
Fintech+: a company from another sector (e.g., medtech, transportation, artificial intelligence, logistics) that integrates a critical fintech component such as payments, compliance, insurance, KYC, or similar financial capabilities.
No minimum time commitment is required. The program is not structured around a predefined number of weekly hours.
The support model is built around:
- targeted check-in meetings,
- flexible, remote work,
- interventions aligned with your actual priorities.
No. Multiple team members can be involved, depending on the topics addressed and the activities offered.
Yes, participation is primarily remote. However, some in-person attendance is required, particularly for the Canada Fintech Forum (September 2026) and selected ecosystem events.
Yes. Fintech Delta is designed as a gateway to institutional clients. The program notably facilitates:
- institution-led sessions where institutional needs are presented (reverse pitch),
- targeted introductions,
- ramp up to pilot projects with Finance Montréal members.
Yes. One of the program’s key pillars is to support startups in building a credible compliance, cybersecurity, and regulatory posture, enabling them to work more effectively with financial institutions.
The selection process takes place in several stages:
- submission of an online application form,
- application review by the program team,
- an interview, conducted remotely if needed.
Selected startups then receive an official invitation to join the cohort.
Yes. The program is structured in successive stages, each with clearly defined objectives. Failure to meet these objectives may result in early exit from the program.
This program is designed for startups that:
- are developing a financial technology product (not consulting services),
- target institutional clients such as banks, insurers, established fintechs, or government organizations,
- have ambitions to scale nationally and/or internationally.
For more details, please refer to the selection criteria.
Ready to take the leap?
| Apply now | Attend the info session |
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