Cohort financing for subscription apps and web funnels
Scale your ads 5x.
Without raising a round.
We fund up to 80% of every campaign. You repay from what it earns.
Revenue growth in 12 months
- With Adapty Finance
- Without financing
Trusted by 30,000+ apps and the world’s largest app publishers
Forget about funding. We cover it.
You focus on product and marketing.
up to 5x
Your monthly ad spend in available credit.
Calculate your limit80%
Of your monthly ad spend. No minimum draw.
Pay as you earn
You repay from cohort revenue, as it comes in.
from 1%
per month. No setup fee.
Why Adapty Finance
Why teams pick us over VCs and banks
Keep 100% of your company
VCs take equity for growth money. We don’t. Your company stays yours.
Funded in a week, not months
Term sheet in 1 day, first funds in 1 week. No pitch decks, no months of due diligence.
Flexible, not fixed
No fixed monthly payments, no minimum draw. Use what you need, when you need it.
More spend, more funding
Double your ad budget, and your credit line doubles too. Banks don’t do that.
We fund your whole growth stack
Not just ad spend. Use the funding for ads on any network, creative production, UGC and AI tokens.
Limit calculator
Calculate your available limit
Set your numbers to see how much of your marketing we could fund.
Cohorts pay back in
Spend growth plan
- Estimated credit line
- $280k
- We fund every month
- $80k
- Your share of the spend
- $20k
- Price
- from 1% per month
Estimated credit line: $280k
Indicative estimate only. This is not an offer. All financing, limits and terms are subject to qualification and approval, and depend on your cohort data.
Compare
The smarter way to fund your ads
No equity. No fixed payments. No setup fee.
| Criterion | Adapty Finance | Venture capital | Bank loan | Credit cards |
|---|---|---|---|---|
| Amount | Up to 5x your monthly ad spend | A fixed round size | Limited by collateral | Low fixed limits |
| Ad spend covered | Up to 80%, every month | Not tied to ad spend | Not tied to ad spend | Up to your card limit |
| Repayment | From cohort revenue, as it comes in | None, you give up equity | Fixed monthly payments | Monthly minimums |
| Cost | From 1% per month | A share of your company | Interest, often with guarantees | Interest and fees |
| Setup fee | None | Legal costs | Often charged | Annual fees |
| Equity dilution | None | Yes | None | None |
| Decision | Term sheet in 1 day, first funds in 1 week | Months | Weeks to months | Days to weeks |
| Risks | No dilution, no control loss | Lose control of your company | Personal guarantees may apply | Hit to your credit score |
General and illustrative comparison. Our terms are subject to qualification.
How it works
From first call to funded in 1 week
- 1
Intro call
30 min
- 2
Connect your data
Day 1
- 3
Get your term sheet
Within 24h
- 4
First funds
Within 1 week
Mobile teams use Adapty Finance to unlock faster cash flow
We applied, shared our numbers, and got paid the next day. No bureaucracy, no back-and-forth. Easily one of the best financing experiences we have had.
Adapty Finance helped us unlock our subscription revenue faster, so we could invest back into improving the product and delivering a better experience for our players.
With $200k+ from Adapty Finance, we scaled marketing without waiting for app store payouts. It made a noticeable difference for our growth.
Our subscription revenue is seasonal, and Adapty Finance helps us cover cash flow gaps when needed. It keeps our acquisition running consistently.
We switched to Adapty for payout acceleration. We no longer wait for Apple payouts and can reinvest revenue as soon as it’s earned.
FAQ
Questions, answered
Subscription apps, web funnels, web products, games and SaaS that have been running paid user acquisition for at least 3 months.
$50k in ad spend over the last 3 months.
Yes. If your cohorts are trending toward payback and the numbers keep improving, we will look at it. Strong momentum counts as much as past results.
Ad budgets on Meta, Google, TikTok and other ad networks, creative production, UGC and AI tokens.
From 1% per month on the amount financed, until the cohort is repaid. No setup fee. See the cost for your numbers in the full calculator.
80% of each cohort’s revenue goes to repayment, the other 20% goes to you. Once the cohort is repaid, 100% of its revenue is yours. See how repayment plays out month by month.
Yes, any time, with no fees.
After signing, you get a dashboard inside Adapty to track and manage your funding.
Yes, as long as we approve it in advance.
Your cohorts work as one pool. If one cohort falls short, the rest is repaid from the revenue of your other cohorts, at the same share. No surprise bills and no fixed payments. We know UA has ups and downs, and the model is built for it.
Need a limit above 5x your spend?
Larger lines are set individually, based on your cohort data.
Ready to scale your ads?
Book a 30-minute call. We will look at your numbers and come back with terms. Financing is subject to qualification and approval.
