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
01
Crawl, indexation, site architecture, what ranks and what should.
02
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
Where the demand in your category actually is, and who currently owns it.
04
What you are measuring, what it is hiding, and the window it should be measured over.
05
Sequenced, costed, and honest about what you can do in-house.
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.
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
| ID | AREA | FINDING | SEVERITY |
|---|---|---|---|
| C-01 | Platform tenor | 30-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-02 | Ad copy | Eleven 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-03 | Consent | Promotional 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-04 | Landing page | The fee table sits inside a “View charges” accordion. Google requires fees visible without a click or hover. | WATCH |
| C-05 | App store | The 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-09 | Disclosure | Physical address, registered company name and CBK licence line present and visible on all nine landing pages reviewed. | CLEAR |
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.
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)
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
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
Each one answers a reason audits usually stall after they're delivered.
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.
Every fix in the 90-day plan is written as a ticket your developer or in-house marketer can pick up without a meeting.
The findings on one page, for the CFO or CEO who won't read thirty.
In the 30 days after the walkthrough, five new ads or landing pages reviewed for compliance before they go live.
30 minutes on progress against the plan, booked on the walkthrough call itself.
I'll sign yours or send mine before any access is granted.
I run two audits a month, with start dates on the 1st and the 15th. The kickoff is booked straight after payment.
In full on acceptance, or in the instalments your proposal sets, by M-Pesa or card through a Paystack payment request.
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
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.
Yes. I'll sign yours, or send you mine, before any access is granted.
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.
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.
Two weeks from kickoff · quoted to your scope · book the 20-minute fit call