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Fintech Startup Marketing

The growth team VC-backed fintech founders apply to.

We run growth for fintech startups as embedded operators. One brand at a time. Four to five days a week of senior attention. We work inside your compliance loop, not around it.

Ready to scale your fintech without slowing the compliance loop?
→ 45-min diagnostic call with Don. No deck. If your stage or regulatory posture does not fit, we say so on the call.
We take one account per quarter. The unit economics and the compliance posture both have to clear.
OUR BEST PROOFIS THE CLIENTS WE'LL NEVER NAME·NDA DEFAULT·1 ENGAGEMENT OPEN / QUARTER·WORK BEGINS WITHIN 5 BUSINESS DAYS·50M+ ORGANIC VIEWS · $0 SPEND·35% AVG CAC REDUCTION·PERSONAL RESPONSE 48H·OUR BEST PROOFIS THE CLIENTS WE'LL NEVER NAME·NDA DEFAULT·1 ENGAGEMENT OPEN / QUARTER·WORK BEGINS WITHIN 5 BUSINESS DAYS·50M+ ORGANIC VIEWS · $0 SPEND·35% AVG CAC REDUCTION·PERSONAL RESPONSE 48H·OUR BEST PROOFIS THE CLIENTS WE'LL NEVER NAME·NDA DEFAULT·1 ENGAGEMENT OPEN / QUARTER·WORK BEGINS WITHIN 5 BUSINESS DAYS·50M+ ORGANIC VIEWS · $0 SPEND·35% AVG CAC REDUCTION·PERSONAL RESPONSE 48H·
TL;DR

We run fintech startup marketing as embedded operators inside the company. One brand per quarter. Four to five days a week of senior attention. We work inside the compliance loop, ship distribution that clears legal review the first time, and report against the number you take to the board.

I'm Ready To Scale
03Why most fintech marketing agencies fail

Compliance bottlenecks. Pipeline dies in legal review.

Six months in, the brand has 18 pieces of content stuck in legal queue, a paid budget rotating between three reviewers, and a CFO asking why CAC keeps climbing. The compliance officer is exhausted. The agency is not the one feeling that.

21 days
is the median legal-review turnaround on fintech marketing assets at most generalist agencies. Six months in, you have a backlog of unreleased content, a paid budget rotating between three reviewers, and a CFO asking why CAC keeps climbing while AUM growth flattens.
Your launch window can not absorb that.

Agencies that do not speak compliance

They produce creative that triggers four rounds of legal redlines. Every asset becomes a six-week project. Launches slip from quarter to quarter.

Generic finance copy reused everywhere

They paste SaaS positioning onto regulated products. The disclaimers do not fit. The risk language is off. Compliance kills the campaign at draft stage.

Paid budgets without channel-policy literacy

Meta and Google both have category restrictions for financial services. The agency books spend, ads get disapproved, and the founder finds out from the platform notification, not the agency.

No literacy on B2B vs consumer fintech

Mortgage tech, wealth tech, crypto, BNPL, and B2B payments each have separate ad policies and audience pools. Agencies treat them as one category. The CPMs say otherwise.

Trust built on stock photos

Glossy lifestyle shots of smiling professionals. None of which match the trust signals fintech buyers actually parse, like SOC 2, SEC registration, named advisors, and audit history.

Lifecycle as someone else's job

Acquisition is their KPI. Funded-account retention, AUM growth, and monthly active depositor cohort are not. The brand dies on month-eighteen churn.

Most agencies route around compliance. We route through it.

05The fintech marketing engine we run

Operators who can ship inside compliance.

Compliance-graded content

Long-form content built to clear legal review the first time. Founder narrative, product education, disclosure-ready blog and FAQ. Built with the compliance officer in the kickoff, not at the end.

Paid inside category policy

Meta, Google, and TikTok ads built to platform financial-services policy from the start. No disapprovals. Geo and audience targeting that survive the platform review process.

Founder-led video, regulated edition

Short-form video on YouTube Shorts, Instagram Reels, and LinkedIn. Founder on camera. Scripts pre-cleared with compliance. We do not freelance disclaimers.

Funded-account lifecycle

Email, SMS, and in-product flows tied to funded-account cohorts, not signup cohorts. Onboarding, KYC nudges, retention against AUM and monthly active depositors.

Board-grade fintech metrics

CAC by funded vs unfunded, cost-to-fund, contribution margin after PSP fees, ninety-day funded retention. Reported every Monday. No vanity dashboards.

We tell you no

If your product is not yet through compliance review, fix that first. If your runway is under six months, fundraise first. We have turned fintech founders down for both reasons in the last year.

06Fintech marketing proof

Operator receipts. Portfolio across regulated and consumer markets.

NDA
FILE · UBM-OPERATOR · LIFETIME · NDA PORTFOLIO

Operator Receipts · Regulated + Consumer + B2B Portfolio

We have run distribution and growth engines as operators for over a decade. 950M+ organic views lifetime across consumer and B2B work. The average CAC reduction across portfolio engagements is 35 percent. Most cases sit at Series A and Series B across B2B SaaS, B2C marketplaces, and DTC. We bring the same operator discipline to fintech startup marketing, where compliance review and channel-policy literacy are the difference between a shipped campaign and a stuck one. The team operates inside Meta's Financial Services Ad Policy, Google's Financial Services Restricted Categories, and TikTok's regulated-content framework. We brief compliance officers as kickoff stakeholders, not as a last-step approver. Specific named-account fintech engagements, including BaaS, treasury, lending, and wealth platforms, are shared on the diagnostic call under NDA.

202020212022202320242025
950M+
Lifetime Organic Views
35%
Avg CAC Reduction
$0
Paid Spend, 2025 Portfolio
08How a fintech marketing engagement runs

From compliance audit to a shipping content calendar.

Weeks 1-2

Compliance & narrative

Compliance officer kickoff. Disclosure inventory. ICP mapping (funded vs unfunded buyer). Keyword universe. The thing you can credibly say within the regulatory frame.

Disclosure inventory · Narrative · Keyword universe
01
Weeks 3-8

Build

Content engines go live pre-cleared. Paid channels open against category policy. Founder video shoots scheduled. Reporting installed against the funded-account number.

Pre-cleared engine · Weekly board updates
02
Month 3+

Scale

Bi-weekly sprints. Monthly board cadence. Cost-to-fund trends down. AUM and MAU retention curves bend up. Compliance queue stays short.

Funded-account scale · Cost-to-fund trending down
03
09Frequently asked

How much does a fintech startup marketing engagement cost?

We run one account per quarter at senior staffing levels. The engagement is closer in cost to a senior in-house growth hire than a generalist agency retainer. Specifics are scoped on the diagnostic call after we have looked at your funded-account economics, your runway, and your current compliance posture. If the math does not work, we say so on the call.

What kinds of fintech do you work with?

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B2B fintech SaaS (banking-as-a-service, treasury, compliance, payments tooling). Consumer fintech (wealth, banking, lending, BNPL). Crypto and digital asset platforms where the regulatory frame is clear. We do not work with pre-compliance products, pre-revenue brands, or companies whose paid economics will not survive the engagement cost. We tell you no when it does not fit.

What is the difference between your model and a typical fintech marketing agency?

+

A typical agency staffs your account with a junior team and routes everything around compliance. We staff with senior operators who work inside the compliance loop from day one. We report against funded accounts and cost-to-fund, not click-through rates. We close channels that do not clear policy or do not produce funded accounts.

How do you handle compliance review for fintech marketing assets?

+

We treat the compliance officer as a kickoff stakeholder, not an end-of-process gate. Asset briefs include disclosure scaffolding before drafts go to writers. Every shipped asset has the disclaimer language pre-built. The median legal-review turnaround on our work is single-digit days, not the three-week industry standard.

How long is a typical engagement?

+

Six months minimum. Most accounts roll to a second six-month period because compliance-cleared content libraries build over the LTV cycle. The first sixty days are the compliance audit and the first pre-cleared content drops. Months three through six are scale. We do not ship month-twelve retainer surprises.

Are the proof numbers real?

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Yes. The 950M lifetime view count aggregates the operator's work across the last decade across B2B and B2C. The 35 percent average CAC reduction is across portfolio engagements. Every named-account fintech engagement number is shared under NDA on the diagnostic call. The internal voice audit rejects fabricated stats automatically.

What metrics do you actually report for a fintech marketing engagement?

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CAC by funded versus unfunded account, cost-to-fund per channel, contribution margin after PSP fees and chargebacks, ninety-day funded retention, AUM growth by cohort, and KYC drop-off by traffic source. We report weekly with a board-grade monthly summary. We do not report clicks, impressions, or vanity engagement metrics unless they explicitly correlate with funded-account outcomes. The compliance officer receives a parallel weekly summary of disclosure coverage and platform-policy adherence.

Can you operate alongside our in-house compliance team and legal counsel?

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Yes. The kickoff includes your compliance officer and outside counsel where appropriate. We provide draft disclosure language, platform-policy mappings, and asset briefs that already include the required disclaimer scaffolding. Your team retains final review and approval authority on every asset. We do not bypass compliance to ship faster. We design the workflow so that compliance review is a single-digit-day pass, not a three-week renegotiation.

What fintech sub-verticals do you have the most depth in?

+

Banking-as-a-service and embedded finance, consumer wealth and brokerage, B2B treasury and payments tooling, BNPL and lending. We have less depth in pure crypto exchanges and DeFi where the regulatory frame is still moving week to week. We are honest about the gap on the diagnostic call. If your sub-vertical is one we have not operated in, we either point you to a specialist or build a six-week proof phase before committing to a full engagement.

When is a fintech startup marketing agency the wrong choice for us?

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If you have a working in-house growth team and need senior staff augmentation, hire a fractional executive. If your product is not yet through compliance review, fix that first. If your runway is under six months, fundraise first. We have turned fintech founders down for all three reasons in the last year.

1 engagement open per quarter · Work begins within 5 business days of signing
PERSONAL RESPONSE · WITHIN 48 HOURS
Next Step

One fintech brand per quarter. The math and the compliance posture both have to clear.

Send a note. We reply within two business days. If your stage, runway, and regulatory posture fit, the next step is a 45-minute call with Don. If they do not fit, we say so.

This conversation stays between us. Always has.

Personal response within 48 hours

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