Moneydesks

💻 White-label web development for European agencies

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🎯 The business: you build the websites and web apps that UK and German agencies sell to their clients, under their name. Agencies constantly take on more than their staff can build, and a reliable American developer who answers email in their afternoon is worth paying for. Nothing ships; you invoice in dollars or euros.

Who pays, and what

Design and marketing agencies with five to fifty people in London, Manchester, Berlin, Hamburg and Munich. They pay $50 to $110 an hour for subcontracted development, or fixed prices of $3,000 to $25,000 per site, and they come back monthly once you have delivered twice on time. Some will put you on a retainer for maintenance across all their client sites.

What it takes to start
LLC filing (state average) and EIN$130
Domain, portfolio site, email$30 to $200
Contract template (SCORE or a one-hour attorney review)$0 to $300
Stripe and Wise accounts for dollar, pound and euro invoices$0, fees per payment
Design and project tools, three months$150
All-in≈ $300 to $800
The first thirty days

Build three portfolio pieces in the style agencies actually sell (a clean brochure site, a Shopify or WooCommerce build, a web app front end). Write to forty agencies with a two-paragraph email: who you are, two links, your hourly rate, your working hours in their time zone. Offer the first small job at a fixed price with a deadline you beat. Ask for a second job before the first is paid.

The math

At $70 an hour and 25 billable hours a week, you gross about $7,000 a month working alone with no inventory and no shipping. Two steady agencies fill that. A second developer at $35 to $45 an hour doubles capacity while you sell and review. Payment in pounds or euros through Wise costs about 1 percent, far less than a bank wire.

Rules to check

No license. A written contract that names the governing law, the payment terms and who owns the code. UK and EU clients may ask for a data processing agreement under GDPR when you touch their customers’ data; a template exists for this. Services exported from the U.S. are generally not subject to export licensing, but check if the client is in a sanctioned country or on a restricted list.

What goes wrong

Scope creep on fixed-price work. An agency that pays at ninety days. A client who disappears mid-project. The time-zone advantage becomes a disadvantage if you take evening calls every night. The developers who last work with three or four agencies, never one, and bill on milestones.

Bookkeeping for British and Australian small firms →