Unit economics investors now interrogate first. CAC payback creeping past 18 months — and a compliance gap quietly stalling your best enterprise deals. We find both, to the dollar, in hours. All the answers, none of the meetings.
Get my free Fintech Snapshot →
Fintech Revenue & Compliance Diagnostic · 18 frameworks

Unit economics under the microscope. We find the leak — and the compliance gap blocking your enterprise deals.

Investors stopped rewarding growth and started interrogating efficiency. We model your unit economics against cited 2025-26 fintech benchmarks — to the dollar — and map which compliance gap is blocking which enterprise deal. Insight in hours, not weeks of discovery calls. Start free: a 2-minute Revenue Leak Snapshot, in your inbox today.

or see a real sample report →
Intake Review · Fintech Diagnostic Sample
$1.8M
/yr modeled leak · illustrative $6M-ARR fintech sample

Unit economics & CAC payback$680K
Compliance-blocked pipelineMapped from intake
Pricing model leakage$360K
Involuntary churn / failed payments$200K

Revenue Integrity Score48 / 100
Your diagnosis, not your calendar 18 frameworks Compliance-deal map ⚡ 6-hour VIP delivery Useful, or we rework it Cited 2025-26 benchmarks
The pain in one number
CAC payback >18 mo

Median CAC payback for well-run fintechs sits at 12-18 months — and Series A investors now treat anything above 18 months as a flag before they look at growth. Most founders don't know their fully-loaded number until it's in the term sheet conversation.

Source: a16z Fintech State of the Market 2025 · Bessemer State of the Cloud 2025

Included in your $900 Starter · Compliance Readiness Map
SOC 2 Type II & PCI-DSS: which gap is parking which enterprise deal.
This is a readiness map — we identify which specific control gap is blocking which named deal category, and what the stalled dollar figure looks like. We do not audit your controls, issue certifications, or make you compliant. We map the gap to the deal so you know exactly where to spend the next 90 days. Specialist compliance consultants charge $15k–$50k for this scoping alone — it is included in your $900 Starter.
SOC 2 Type II · Security & Availability
Missing SOC 2 Type II report
Blocks: enterprise SaaS buyers, financial-services procurement, Series A due diligence, any B2B deal above ~$50K ACV that routes through a security review.
Why it matters: 80%+ of enterprise fintech buyers require SOC 2 before signing. The average deal delay for a missing report is 3–6 months — often indefinite. Founders rarely know the dollar figure sitting in "security review" until we map it.
SOC 2 Type II · Confidentiality
Confidentiality criteria not in scope
Blocks: deals where prospects handle sensitive customer data (insurance, healthcare fintech, HR-adjacent payments) and require data-handling attestation as a vendor prerequisite.
Why it matters: a SOC 2 report that omits the Confidentiality principle is increasingly rejected at legal review in data-sensitive verticals — extending the deal cycle by 4–8 weeks even when Security criteria are certified.
PCI-DSS · SAQ / AOC status
No current Attestation of Compliance (AOC)
Blocks: any deal that involves card-present or card-not-present payment flows, payment facilitator agreements, and all enterprise buyers whose own PCI scope includes downstream vendors.
Why it matters: payment processors and enterprise buyers typically require a current AOC (dated within 12 months) before a contract executes. An expired or missing AOC can stall a seven-figure contract for a full compliance renewal cycle.
PCI-DSS · Network segmentation gap
Cardholder Data Environment (CDE) not isolated
Blocks: scaled enterprise deals and payment facilitator partnerships where prospects' own QSA requires evidence of network segmentation before they extend their PCI scope to include your platform.
Why it matters: without documented CDE segmentation, your prospect's QSA will flag your platform as in-scope for their own audit — forcing them to choose between delaying the deal or expanding their own compliance burden. Most choose to wait you out.
What we deliver: a named list of which control gap is blocking which deal category, and a directional dollar figure for each — derived from 2025-26 fintech enterprise deal benchmarks and sharpened by any compliance posture data you share in the intake. No certification. No audit opinion. A readiness map that tells you where to spend the next 90 days to unlock the most pipeline. Included in your $900 Starter — specialist compliance consultants charge $15k–$50k for this scoping alone.
Pricing

Priced by the value it unlocks.

One-time. No retainer, no meetings. Start free with the Revenue Leak Snapshot. The $900 Starter is flat at any size; the full diagnostic is leak-anchored and follows the higher of your ARR or headcount — each tier lands at roughly 0.5% of what a fintech your size is typically bleeding.

Starter
Any size · fast first read
$900one-time · flat, any size · delivered in 48-72 hours
The 3 most painful fintech frameworks on your real numbers — plus the compliance-gap-to-deal-blocking map. Sharp first read before the full diagnostic. vs $15K–$50K specialist consultants charge for the compliance scoping alone.
What you get
  • 3 deepest frameworks — all 18 scored
  • Your total revenue-leak figure
  • Compliance-gap → deal-blocking map
  • Unit-economics stress test
  • Board-grade PDF in 48-72 hours
Get the Starter read Card · Apple Pay · Google Pay — via Wise
Essentials
Under $1M ARR · full diagnosis
1% gain ≈ up to $10K/yr at your scale
$1,800one-time · ⚡ 6-hour VIP delivery
Seed to Series A. The full board-grade diagnosis — dollar-precise on every framework, priced to your stage. About 0.5% of the ~$675K–$1.35M a sub-$5M-ARR fintech is typically bleeding.
Everything in Starter, made complete
  • All 18 frameworks, fully scored
  • Every leak quantified in dollars
  • Full compliance-deal pipeline map
  • Your top 5 fixes, prioritized
  • 90-day roadmap + risk heatmap
  • Executive summary + health score
  • Notion + PDF, ⚡ in 6 hours (VIP)
Start the diagnostic Card · Apple Pay · Google Pay — via Wise
Founder
Under $5M ARR · 1-25 people
1% gain ≈ $10K–$30K/yr at your scale
$4,500one-time · ⚡ 6-hour VIP delivery
Seed to Series A. The full board-grade diagnosis — dollar-precise on every framework, priced to your stage. About 0.5% of the ~$675K–$1.35M a sub-$5M-ARR fintech is typically bleeding.
Everything in Starter, made complete
  • All 18 frameworks, fully scored
  • Every leak quantified in dollars
  • Full compliance-deal pipeline map
  • Your top 5 fixes, prioritized
  • 90-day roadmap + risk heatmap
  • Executive summary + health score
  • Notion + PDF, ⚡ in 6 hours (VIP)
Start the diagnostic Card · Apple Pay · Google Pay — via Wise
MOST POPULAR
Growth
$5M-$25M ARR · 25-100 people
1% gain ≈ $30K–$150K/yr at your scale
$9,000one-time · ⚡ 6-hour VIP delivery
Series A to B. The full diagnosis plus a deeper pass, sized to a scaling fintech team. About 0.5% of the ~$1.35M–$2.25M a $5M–$25M-ARR fintech is typically bleeding.
Everything in Founder, plus
  • A deeper, multi-pass analysis
  • Your real fintech competitors benchmarked
  • Revenue recovered, modeled per fix
  • Full fix backlog, ranked by impact
  • 30-day written Q&A window
  • Notion + PDF, ⚡ in 6 hours (VIP)
Start Growth Card · Apple Pay · Google Pay — via Wise
Scale
$25M-$50M ARR · 100-200 people
1% gain ≈ $150K–$500K/yr at your scale
$18,000one-time · ⚡ 6-hour VIP delivery
Series B+. Everything in Growth, at the depth a mature fintech org needs. About 0.5% of the ~$3M+ a $25M–$50M-ARR fintech is typically bleeding.
Everything in Growth, plus
  • A deeper, scenario-level strategic analysis
  • Written implementation guidance for top 3 fixes
  • Structured written brief with all findings
  • Senior written strategic debrief
  • Priority delivery
  • Notion + PDF, ⚡ in 6 hours (VIP)
Start Scale Card · Apple Pay · Google Pay — via Wise

Priced to the value on the table. Your tier follows the higher of your ARR or headcount, confirmed at intake — so a larger company never buys a smaller tier. Each full-diagnostic tier is leak-anchored at roughly 0.5% of the revenue a fintech your size is typically bleeding: Growth $9,000 ≈ 0.5% of the $1.35M–$2.25M you are likely leaking. The bigger the company, the deeper the pass and the more we recover. $30M+ ARR or 200+ people → direct enterprise scope.

The Revenue Integrity System for Fintech

Five frameworks built for the questions your next term sheet is priced on.

Not a generic GTM audit. The 3 most painful fintech frameworks below are exactly what Series A investors and enterprise procurement teams scrutinise first. Your $900 Starter pins these 5; the full $4,500 Diagnostic runs all 18.

F1
Unit Economics & CAC payback
What's your fully-loaded CAC by motion — and is payback inside the 18-month Series A bar?
Series A bar: <18 mo payback · LTV:CAC ≥ 3:1 · Burn multiple <1.5× · Bessemer 2025
F2
Compliance-gap → deal-blocking map
Which SOC2 or PCI DSS gap is parking which enterprise deals — and what's the dollar figure stalled?
80%+ of enterprise fintech buyers require SOC2 before signing · avg deal delay 3-6 months
F3
Involuntary churn & retention
How much of your gross churn is payment failure vs true cancel — and what's the recoverable slice?
Best-in-class fintech gross churn: 1.5-3%/mo · involuntary typically 20-40% of total churn
F4
Pricing & take-rate
Is your interchange, take-rate, or platform fee capturing the value you've built — or priced at launch vintage?
Embedded-payments ACVs up 18-28% in 2025 · most fintechs haven't repriced since founding
F5
GTM efficiency & burn multiple
Is your burn multiple inside the Series A bar — and which GTM motion is the efficiency drag?
Burn multiple Series A bar: <1.5× · top quartile <0.8× · a16z Fintech 2025

The complete 18-framework system

The five above are the sharpest for fintech. They sit inside an 18-framework revenue system — 14 core revenue frameworks plus 4 fintech signature frameworks. = the five your $900 Starter targets first.

Pricing & Monetization
Pricing & Monetization
Pricing Psychology & WTP
Positioning & Pricing Power
Take-rate & Interchange Capture · fintech
Retention & Expansion
Gross Retention & Churn
Net Revenue Retention & Expansion
Involuntary / Payment-failure Churn · fintech
Unit Economics & Capital
Unit Economics & CAC Payback
Financial Health & Burn
Capital Efficiency & Runway
Compliance & Onboarding
Compliance Readiness Map · fintech
KYC & Onboarding Drop-off · fintech
Activation & Onboarding
GTM & Growth
GTM & Funnel Efficiency
Growth Levers
Competitive & Market Position
Revenue Operations
Product-Market & Expansion Surface
Try it on your numbers

Estimate your fintech leak in 30 seconds.

Four inputs, one estimate. Not a substitute for the full diagnostic — a directional preview from fintech benchmarks.

50/100
Estimated annual recoverable
$0
Get my free Fintech Revenue Snapshot →
5 questions · no call, ever · directional preview only

Most fintech founders know something is wrong. They just can't put a dollar on it.

These are the five revenue leaks we find most often — and quantify, to the dollar — in the fintech diagnostic.

Involuntary churn & failed payments

Payment failures and card declines silently drive 20-40% of gross churn in fintechs. Most have the dunning logic already — it just isn't tuned.

Compliance gaps blocking enterprise deals

A missing SOC2 Type II or incomplete PCI DSS control parks six-figure enterprise deals in security review for months. Founders rarely know the dollar figure stalled.

CAC payback drifting past the Series A bar

Fully-loaded CAC segmented by motion — not blended — is what investors actually underwrite. Most fintechs are 20-35% higher than they think once all motion costs are included.

Interchange & take-rate left on the table

Pricing was set at launch and hasn't been revisited as the platform expanded. Embedded-payments ACVs in 2025 have room most founders aren't capturing.

KYC & onboarding drop-off

Friction in the identity and KYC flow kills activation before a single payment processes. Fixing the first-session funnel is the highest-ROI lever in early-stage fintech.

How it works

Three steps to your diagnosis.

From free scorecard to the full $4,500 diagnostic, the path is identical. Only the depth scales with the price.

1

Fill the form

5 questions for the free scorecard, 18 for the full Founder diagnostic. 5-15 minutes. No call required, ever.

2

We diagnose

18 frameworks anchored to your fintech firmographics — ARR band, payment model, compliance posture, burn rate. Cited 2025-26 fintech benchmarks. Dollar-quantified findings where your data allows; compliance gaps mapped directionally to deal categories.

3

PDF in inbox

Board-grade PDF 6-hour VIP delivery — including the compliance readiness map for SOC 2 & PCI-DSS. Depth scales by tier. Async, async, async.

A look inside

What a fintech founder gets.

A real preview of a Founder diagnostic — cited fintech benchmarks, dollar-quantified findings, compliance-gap-to-deal-blocking map, unit-economics stress test. No fluff.

Download the full sample report (PDF) ↓

Sample · Seed-Series A Fintech · $6M ARR · payments platform

CAC payback at 23 months. SOC2 gap flagged — compliance map identifies the stalled pipeline. Involuntary churn recoverable.

CAC payback vs Series A bar (<18 mo)+5 months over
Compliance-blocked pipelineMapped from intake
Involuntary churn (recoverable)~$200K/yr
Pricing model vs 2025 embedded-payments peersDirectional gap found
Annual leak (modeled)$1.8M / yr
Leak by framework
$1.8M
/yr — if unaddressed at current ARR run rate
CACComplianceChurnPricingKYCGTMNRR
vs the traditional route

The same answer, at 4-50x under the rate card.

Every comparable below is a real public price for the same category of deliverable. We sit below the floor of every one.

The traditional alternative What it costs (2025-26) Intake Review
Generic fintech GTM / revenue audit $5,000 - $15,000 $900 Starter
SOC2 / PCI compliance readiness consultant $15,000 - $70,000+ Included in $900 Starter
Boutique fintech revenue diagnostic $20,000 - $25,000 $4,500 Founder
Fractional CFO / CRO retainer $8,000 - $22,000 / month $9,000 Growth
McKinsey / BCG fintech engagement $1.2M+ (8 weeks) $18,000 Scale
Get my free Fintech Revenue Snapshot See the four tiers →
Honest screening

Is this a fit for you?

We say no to roughly 1 in 4 inbound requests. Here is why.

This is NOT for you if you...

  • Are pre-revenue or pre-product. We need live payments or a shipped product with real users.
  • Want slide decks. We deliver a structured written brief — your Internal Revenue Brief — by email. No PowerPoint theater.
  • Need synchronous calls, weekly standups, or a Slack channel. Delivery is 100% async.
  • Are a B2C consumer app without a B2B or enterprise revenue line. Our frameworks are calibrated for B2B fintech.
  • Are pre-PMF with no clear ICP. The diagnostic optimises an existing motion — it does not find PMF for you.
  • Want commitment beyond the diagnostic. No retainer pressure, no upsell tactics.

This IS for you if you...

  • Run a B2B fintech at $1M-$30M ARR — payments, lending, compliance-tech, embedded finance, or infrastructure.
  • Suspect a specific unit-economics or compliance gap but can't put a dollar on it.
  • Want findings dollar-quantified, not directional ("think about your CAC").
  • Need to know which compliance gap is blocking which deal — not just a list of missing controls.
  • Value in-days async delivery over multi-week consultant engagements.
  • Want a board-grade memo you can forward straight to your investors.
Our promise

We don't stop at "delivered." We stop at "useful."

A report you can't act on is just a PDF. So your diagnostic isn't finished when we hit send — it's finished when it earns a place in your board pack. If a finding doesn't hold up, a number needs sharpening, or you're missing an input to make it precise, we rework it for free until it's something you'd actually move on. No refund-and-run: we keep going until it's useful to you.

We name the exact numbers to capture We re-run and deepen the diagnosis We don't quit until you can act on it

Used by SaaS companies at your stage to identify hidden revenue leakage.

Questions, answered

The 9 things every fintech founder asks.

See your fintech revenue leak score.

5 questions. 2 minutes. Free.
No email wall · 2 minutes · clarity, not a sales call.
Cited 2025-26 Fintech benchmarks

Every dollar figure and ratio in our diagnostic is anchored to a public, verifiable source. Primary references:
Bessemer State of the Cloud 2025 · a16z Fintech State of the Market 2025 · Andreessen Horowitz State of Fintech 2025 · OpenView SaaS Benchmarks 2025 · ChartMogul SaaS Retention 2025 · Vanta 2025 SOC2 Enterprise Buyer Survey