Station Fintech Montréal presents Fintech Delta, an equity-free and no-fee acceleration program tailored for Canadian fintech and fintech+ startups from the pre-seed to Series A stage that are prepared for scaling. Operated by former founders and designed in collaboration with financial institutions, the program offers direct access to institutional clients, experts, and investors on both a national and international level. The initiative aims to support founders through their next growth phase by facilitating access to institutional partners, preparing them for Series A fundraising, and assisting with national or international expansion.
Program Highlights and Benefits
• No Fees, No Equity: The program is offered without any fees or equity stake.
• Institutional Access: Connect directly with banks, insurers, financial institutions, and regulators to accelerate partnerships.
• Investor Network: Gain entry to an ecosystem of fintech investors, from seed to Series A.
• Market Development Support: Receive assistance to boost presence on Canadian and international stages, with opportunities for top-performing teams to join economic delegations.
• Customized Milestones: Progress with personalized goals defined according to each startup's stage of maturity and priorities.
• Founder-Friendly Flexibility: Participate without heavy time constraints through targeted meetings and asynchronous follow-ups.
• Expert Mentorship: Access strategic support in sales, compliance, finance, technology, and growth.
Target Audience
The program is designed for startups that meet the following profile:
• Developing a financial technology product, not consulting services.
• Targeting institutional clients such as banks, insurers, established fintechs, or government organizations.
• Possessing ambitions to scale nationally and/or internationally.
• Classified as a fintech (a company whose business model is directly built around managing financial data and flows) or fintech+ (a company from another sector integrating a critical fintech component like payments, compliance, or insurance).
Selection Criteria: Requirements
• Company Stage: Must be a fintech or fintech+ startup.
• Financial Runway: Have a financial runway of 12 to 18 months or demonstrate growing revenue.
• Founding Team: A majority of founding team members must be working full-time in the company.
• Team Maturity: Demonstrate an autonomous team, clearly defined objectives over a two-year horizon, and identified key growth constraints.
• Event Participation: Must be able to participate in the Canada Fintech Forum in Montreal (September 2026) for the pitch session and be available for 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), and San Francisco Tech Week (October 2026).
Selection Criteria: Ideal Attributes
Ideally, applying startups should:
• Have obtained at least a letter of intent (term sheet) for a Seed funding round, with the goal 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 a referral from a validation, launch, or incubation program, or from a venture capital firm willing to fund the company.
Program Structure and Commitment
• Format: Participation is primarily remote, allowing for flexibility.
• Time Commitment: No minimum weekly time commitment is required. The structure is based on targeted check-in meetings and interventions aligned with startup priorities.
• Team Involvement: Multiple team members can be involved depending on the topics and activities.
• In-Person Requirements: Some in-person attendance is required, particularly for the Canada Fintech Forum (September 2026) and other selected ecosystem events.
Key Dates and Timeline
• Information Sessions: February 5, 2026 and February 20, 2026.
• Application Period Closes: March 6, 2026.
• Announcement of Selected Startups: March 24, 2026.
• Program Begins: Week of March 30, 2026.
• Program Ends: Week of November 30, 2026.
All applications are reviewed by a team that assesses each profile holistically. Startups that do not meet all criteria are still encouraged to apply, as the selection process aims to understand each company's trajectory and needs. When appropriate, applications may be redirected to other suitable programs. For more detailed information or specific questions, interested parties can contact the program manager, Jean-Louis Murphy, at jean-louis.murphy@finance-montreal.com or via LinkedIn.