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The Acquisition Audit

Two weeks. One document. No retainer required.

A diagnosis of your search and paid acquisition — what is broken, what it is costing you, and what to do about it in what order. You can execute it with us or hand it to anyone else.

Every Audit is quoted to its scope in a written proposal, in Kenya shillings, within two working days of a 20-minute fit call.

Earlier roles, USD

Results from earlier roles, reported in US dollars as they were at the time. Not Momentum client engagements.

$80 → $40 cost per lead in six weeks. A US fintech’s Google Ads account on a $5k/month budget, with verified lead volume up 60%. Prior role, not a Momentum engagement. Read the case study →

At a glance

FeeQuoted to scope
Duration2 weeks
Your time~90 min
DeliverableWritten + walkthrough
ProposalWithin 2 working days

What is in it

01

Technical & content SEO audit

Crawl, indexation, site architecture, what ranks and what should.

02

Paid account & compliance risk

Licence and regulator check (CBK, CMA, IRA or SASRA, and the ODPC for data), platform category and tenor rules, disclosure exposure, what could get you shut down. Where Google requires financial-services verification is tracked in our Google Ads policy log, updated monthly.

03

Keyword & demand map

Where the demand in your category actually is, and who currently owns it.

04

Tracking & attribution gaps

What you are measuring, what it is hiding, and the window it should be measured over.

05

Prioritised 90-day plan

Sequenced, costed, and honest about what you can do in-house.

The deliverable

See it before you buy it.

ILLUSTRATIVE SAMPLE
Acquisition AuditSAVANNA RIDGE CREDIT (ILLUSTRATIVE) · OCT 2026
1.0
Executive summary: the three things that matter

You are spending roughly KES 2.4M a month across Google and Meta to acquire borrowers you cannot yet follow from the ad to the first loan, while most of that spend promotes products the two platforms do not allow you to advertise. None of the three findings below is a creative problem.

FINDING 01Your two best-selling loans cannot be advertised where you are spending: the 30-day and 60-day products fail Google’s 61-day floor and Meta’s 90-day ban.
COSTINGKES 1.5M a month (63% of paid spend) promotes products the platforms can disapprove. Every disapproved ad is a lost day of spend and a mark on the ad account.
DOMove paid acquisition to the 120-day instalment loan, which clears both platforms. Take the 30- and 60-day products to search, app-store and owned channels, where the rule does not apply. Pull the creative from Meta and Google this week.
EFFORT2 hours to pause and re-point · the product decision is not your calendar · §3.1
FINDING 02Eleven of your fourteen rate-bearing ads show a monthly rate with no APR and none of the components of total cost of credit.
COSTINGNot a spend number: a licence-risk number. LN 191 of 2026, reg. 51, requires every ad that mentions cost to show the APR plus the components of the total cost of credit.
DORebuild the ad template so the APR, the period basis (per month or per year), the fees and a representative example sit in the ad itself, and mirror them on the landing page.
EFFORT1 week with your compliance lead · §3.2, §6.2
FINDING 03You buy and optimise on installs, and only 9% of first loans can be traced back to an ad click.
COSTINGNot a spend number: a decision number. Source A installs cost KES 90 and 11% take a first loan (about KES 820 per first loan). Source B installs cost KES 190 and 34% take a first loan (about KES 560). The budget follows the KES 90.
DOSend the app’s first-loan event to GA4 and Google Ads, then optimise to first loans, not installs.
EFFORT1 day for your data team · §5.3
ILLUSTRATIVE SAMPLE
Acquisition AuditSAVANNA RIDGE CREDIT (ILLUSTRATIVE) · OCT 2026
3.0
Compliance risk register

Fourteen items checked across three platforms (Google Ads, Meta, Google Play) and nine landing pages. Two are live risks. Three need action this quarter. The remaining nine were checked and found sound, and are listed so you know what was examined.

CRITICAL · 2 WATCH · 3 CLEAR · 9

IDAREAFINDINGSEVERITY
C-01Platform tenor30-day and 60-day loans advertised on Google and Meta. Google allows personal-loan ads only for loans repayable in 61 days or longer; Meta bans loans of 90 days or less.CRITICAL
C-02Ad copyEleven of fourteen rate-bearing ads show a monthly rate with no APR or total-cost-of-credit components (LN 191/2026, reg. 51).CRITICAL
C-03ConsentPromotional SMS continued for six days after a STOP reply: the opt-out is not synced to the SMS vendor or the Customer Match list (LN 191/2026, reg. 82(1)(l); Data Protection (General) Regulations 2021, reg. 16(2)).WATCH
C-04Landing pageThe fee table sits inside a “View charges” accordion. Google requires fees visible without a click or hover.WATCH
C-05App storeThe Google Play Kenya financial-services declaration still names the pre-2026 licence wording; it should match the app’s current CBK directory entry.WATCH
C-09DisclosurePhysical address, registered company name and CBK licence line present and visible on all nine landing pages reviewed.CLEAR
The tenor trap. Google allows personal-loan ads only for loans repayable in 61 days or longer. Meta bans ads for short-term loans of 90 days or less. A 75-day loan clears Google and fails Meta; a 120-day loan clears both. Designing the advertised product to 91+ days opens both channels. That is a product decision, not a marketing one, which is why it is raised here rather than in the plan.
ILLUSTRATIVE SAMPLE
Acquisition AuditSAVANNA RIDGE CREDIT (ILLUSTRATIVE) · OCT 2026
6.0
The 90-day plan

Sequenced by three rules: stop money leaving before bringing money in, unblock measurement before anything that needs measuring, and schedule anything with an external deadline backwards from that deadline.

DAYS 0–30STOP THE LOSS
  • Pull the 30- and 60-day creative from Meta and Google and move the budget to the 120-day product. — us, 2h
  • Rebuild the ad template with the APR, period basis, fees and a representative example. — us + your compliance lead, 1 week
  • Sync STOP across the SMS vendor, email and Customer Match audiences. — your data team, 1d
DAYS 31–60BUILD THE GAP
  • Two search pages for the short-tenor products, which can no longer be bought. — us, 3 weeks
  • Move the fee table above the fold on the two loan pages. — us, 2h
  • Join the first-loan event to GA4 and Google Ads. Everything after this gets measured properly. — your data team, 1d
DAYS 61–90COMPOUND
  • Three problem-stage guides, compliance-reviewed in one batch rather than one at a time. — us + your compliance lead, 4 weeks
  • Reallocate budget to the source with the lowest cost per first loan. — us
  • Leading-indicator reporting live from week 9. — us
What we left out, and why. Link building, a blog cadence increase and a technical migration all came up and are all deferred. None of them changes a number inside 90 days, and two are hard to justify before the measurement fix lands.
ALSO IN THE FULL DOCUMENT  ·  SEARCH AND CONTENT AUDIT  ·  LICENCE AND REGULATOR CHECK (CBK, ODPC)  ·  SEARCH DEMAND MAP  ·  MEASUREMENT AND ATTRIBUTION  ·  PLATFORM POLICY REFERENCE APPENDIX

This is a worked example, not a client engagement. Savanna Ridge Credit is invented, and the figures illustrate the shape and depth of the deliverable rather than reporting real results. Your audit follows the same structure against your own accounts, site and market. To see the kind of outside-in search read an audit starts with, done in public, read our iwoca teardown and InvestEngine teardown. For the same work done on a real account, in a prior role, see how a US investment platform’s Google Ads cost per lead fell from $80 to $40. Download the full 8-page sample report (PDF)

Fit

This is for you if

You are a Kenyan fintech licensed by, or applying to, the CBK, CMA, IRA or SASRA, or a Kenyan SaaS company, with a live acquisition funnel

You are spending on acquisition and cannot explain what is working

Your ad account has been disabled, or you are worried it will be

You are about to hire an agency and want a second opinion first

It is not for you if

You are ecommerce or direct-response

You are pre-revenue or pre-product-market-fit

You want someone to validate a decision already made

You need a monthly ROAS number on a four-month sales cycle

Your loan products are all repayable in 90 days or less and you want paid ads to carry them

You are a crypto or virtual-asset platform

Included with every audit

Five things on top of the report

Each one answers a reason audits usually stall after they're delivered.

01

The Day-3 Risk Flash

Any critical compliance or tracking risk, emailed within 72 hours of access, with the evidence and the fix. You don't wait two weeks to hear that something could get the account shut.

02

Ready-to-file tickets

Every fix in the 90-day plan is written as a ticket your developer or in-house marketer can pick up without a meeting.

03

A one-page board memo

The findings on one page, for the CFO or CEO who won't read thirty.

04

Five pre-checks

In the 30 days after the walkthrough, five new ads or landing pages reviewed for compliance before they go live.

05

A Day-30 check-in call

30 minutes on progress against the plan, booked on the walkthrough call itself.

+

An NDA, if you want one

I'll sign yours or send mine before any access is granted.

Capacity

I run two audits a month, with start dates on the 1st and the 15th. The kickoff is booked straight after payment.

Pay in full or in instalments

In full on acceptance, or in the instalments your proposal sets, by M-Pesa or card through a Paystack payment request.

Moving to a retainer

If you want us to run the plan, the retainer is quoted in its own proposal after the walkthrough. Payment terms are set out in our terms.

Before you buy

Questions

What access do you need?

Read-only access to Google Ads, Meta Business Manager, GA4, Google Tag Manager and Search Console, plus LinkedIn or Microsoft Ads if you run them. You get a step-by-step guide after payment. Nothing needs edit rights, and it takes about 20 minutes to grant.

Will you sign an NDA?

Yes. I'll sign yours, or send you mine, before any access is granted.

What if we're not a fit after all?

The audit is built for regulated Kenyan fintechs and Kenyan SaaS companies with a live acquisition funnel. If the kickoff shows you're outside the band and the audit won't be useful, you get a full refund. We start it the same working day; when it reaches you depends on M-Pesa or your card issuer.

What happens after the walkthrough?

You keep the report, the board memo and the tickets, and you can run the plan in-house or with anyone else. If you'd like us to run it, we send a retainer proposal quoted to the plan. Either way, the Day-30 check-in call still happens.

Book it, or ask a question first.

Two weeks from kickoff · quoted to your scope · book the 20-minute fit call