19 February 2026
Capital tracking notebooks for first-time licence applicants
Founders assembling Taiwan fintech filings often under-document paid-in capital movements. Here is a simple workbook structure that survives readiness reviews.
Pre-licence financial readiness reviews fail most often on capital storytelling, not on product ambition. Supervisory reviewers expect a clear trail from each capital call to bank credits and share registers.
Build a workbook with four sheets: contribution schedule, bank evidence index, share issuance log, and projected minimum capital buffer. Each contribution line should point to a bank statement page and a board minute.
Avoid mixing founder loans and equity without labels. Auditors and readiness reviewers both treat ambiguous related-party balances as elevated risk, which delays filing calendars.
When Maple Crest runs a readiness engagement, we critique the workbook before you invest time polishing narrative decks. Clean capital tracking is the quieter deliverable that keeps licence timelines intact.