为什么新加坡是软件出海平台？
新加坡软件和金融科技企业常面向东南亚客户，具备英文团队、合规经验和区域总部功能。中国买方可能通过收购获得客户、牌照、产品和东南亚扩张能力。
但金融科技交易必须把监管和客户资金安排放在首位。
估值重点
买方应关注ARR、客户留存、毛利率、客户集中、产品使用率、监管牌照、客户资金隔离、信息安全和销售管线。
如果收入来自定制开发或低毛利实施，估值不应按高SaaS倍数计算。
尽职调查重点
尽调应覆盖牌照、监管沟通、客户合同、信息安全、数据隐私、代码、知识产权、员工、历史融资文件和税务。
跨境买方还应评估收购后是否会触发牌照变更或监管通知。
Lyndon如何协助
Lyndon可协助中国买方、新加坡软件和金融科技企业及顾问进行估值、资料室、监管风险清单和交易执行。
About the Author
Daniel Bae
Co-founder & CEO, Lyndon Advisory
Daniel is an investment banker with 15+ years of experience in M&A, having advised on deals worth over US$30 billion. His career spans Citi, Moelis, Nomura, and ANZ across London, Hong Kong, and Sydney. He holds a combined Commerce/Law degree from the University of New South Wales. Daniel founded Lyndon Advisory to solve the pain points in M&A, enabling bankers to focus on what matters most — delivering trusted advice to clients.
About Lyndon Advisory
Lyndon Advisory is an M&A advisory firm built for Asia Pacific. We help business owners sell their companies and investors make strategic acquisitions with senior-led execution, disciplined process management, and AI-supported buyer intelligence.
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