No public retainer minimum
What we move,
you keep.
London growth agency. For fintechs that have done the easy work. Brand, ads, content, consulting — operator-grade and fixed-fee.
In 2026, three things are true about fintech distribution.
UK neobank blended CAC went from ~£18 in 2022 to ~£42 in 2025.[1]Monzo Group plc Annual Report 2024-25; Starling Bank Annual Report 2024.
Organic reach on LinkedIn, X, and YouTube is collapsing for every B2B fintech that doesn't already have a brand.[2]SOI Digital Q4 2025; LinkedIn Sales Insights 2025 cohort analysis.
The agencies that ran your last campaign are still selling brand-lift studies on performance budgets in a post-iOS17 attribution void.[3]Apple iOS17 ATT changes (Sept 2023); Branch State of Mobile Attribution 2025.
We do something else. We work with fintechs that can describe their unit economics in one sentence. We don't pitch. The first thirty minutes is us looking at your CAC and telling you what's broken — whether you hire us or not.
The work is in the case files, not on the homepage.
We don't do everything; we do these four for fintechs.
We do not invoice for thinking.
Four methods, each fixed-fee and time-bound. Each one ends with a document your team can run without us. Three of the four are below; the fourth, The Brand Foundation, lives on the methods index.
The 90-Day CAC
Teardown
We rebuild your acquisition funnel from the ad-account up. Kill 60% of spend, redirect into three hypothesis tests, scale winners.
The Founder-Led
Content Engine
LinkedIn + long-form + newsletter, ghostwritten under the founder's name, distributed where fintech operators actually read.
The Regulated-
Positioning Audit
For fintechs that look like a 2019 challenger but are now actually regulated. Messaging that survives FCA scrutiny.
Florin is taking three founding clients in 2026.
£20K off retainer pricing. Priority calendar. We name you publicly within six months of first deliverable — anonymised case study now, named case study then.
We accept three seats: one UK, one EU, one rest-of-world. The counter below is honest; we update it by hand.
Long-form thinking on fintech distribution.
One piece a month. Sources cited in-line where they exist. Florin byline; no individual name. The first piece is live; the next two are in progress.
Why Monzo's 2024 CAC doubled while its CPM fell 30%.
The naive explanation is iOS17 attribution. The actual mechanism is funnel saturation — and every UK neobank below £1B valuation is running 2019's playbook against 2025's pool.
The embedded-finance unit-economic trap.
Why the take-rate maths that closed the Series B doesn't survive the first compliance audit.
Why fintech LinkedIn stopped converting in late 2025.
Median engagement halved. Inbound from posts halved before that. We pulled the data.
Most agencies start with a pitch.
We start with your CAC.
The first thirty minutes is free, and you walk away with three specific fixes — whether you hire us or not.