averagecac.com

Benchmark · Fintech · Late Stage · SMB (Under $25k ACV)

Average CAC for Late Stage SMB Fintech Companies

CAC Payback Period · Fintech · SMBSourced

12 months

Best-in-class (top quartile): 7 months

Methodology note: This source segments CAC payback by industry × customer size, not by company stage. The same 12-month payback applies across all 5 stages for fintech × smb. For more on this site's methodology, see methodology.


Sources

First Page Sage segments CAC payback by industry × customer size only; the same payback applies across all 5 company stages within this segment. For stage-segmented data, see the SaaS Capital benchmark survey (segments by ARR band but is paywalled for cell-level numbers).

How we define this cut

Fintech · Late Stage · SMB

Industry: FintechPayments, lending, neobanks, embedded finance, treasury, wealth management.
Stage: Late Stage$50M+ ARR or public, mature GTM, payback discipline.
ACV: SMB (Under $25k ACV)Small-business buyers, often self-serve, transactional sales motion.