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Why am I offering a credit based approach and why do credits work better than retainers…

Most consulting relationships are built around fixed retainers, you pay for a set number of days per month whether you need them or not. Some months you use every hour. Others you don't, and the invoice still arrives.

Credits work differently. You buy a block of time upfront at a fixed rate, and draw it down as you need it. Fast month? Use more. Quiet month? Use less. The credits don't expire and they don't get wasted.

For a fintech founder managing cash carefully, that flexibility matters.

What credits are good for:

A pipeline review when a deal is stalling. A deal strategy session before a critical negotiation. A GTM pressure test before you launch into a new market. An ad hoc board prep call. An afternoon working through a sales hire decision.

Senior commercial thinking, exactly when you need it, not spread thinly across a month to justify a retainer.

How it works:

Credits are purchased in blocks. Each session or deliverable is drawn against your balance. You can see exactly what you've used and what you have left. When you need a top up, you buy more. Simple.

Who it's designed for:

Founders who want access to senior sales leadership without committing to a fixed monthly engagement. Companies between projects who want to stay connected without full retainer costs. Teams who need occasional strategic input rather than ongoing embedded support.

The honest version:

A retainer makes sense when the work is consistent and ongoing. Credits make sense when your needs are real but variable. Most early stage founders are better served by credits, until the moment they need someone in the business every week, at which point the Fractional CRO engagement makes more sense.

Not sure which is right for you? That's what the discovery call is for.