Adapty Finance
UA financing calculator
Your 2-year forecast with Adapty Finance, compared with the same plan funded by your own cash alone.
How does cohort financing work? Learn more
Calculator input
Portion of each month’s ad and creative spend funded by Adapty Finance. It is repaid out of the revenue of the cohorts it financed.
Target ad budget for month one. Actual spend is scaled back whenever your cash would otherwise run out.
Your own capital available to fund ads. Ad spend is scaled back so that cash does not drop below zero, and revenue from earlier cohorts is reinvested as it comes in.
Team, tooling and other overhead. Paid from your own cash and not eligible for financing.
Design, video, UGC and creative testing. Typically 5–10% of ad spend. Financed alongside ads.
- Estimated credit facility
- $2.5M
- Funds up to 80% of spend, capped at 10x your starting budget
- Monthly revenue, month 24
- $1.89M
- +$311k (+20%) vs self-funded
- Monthly profit, month 24
- $335k
- +$311k vs self-funded
- Cumulative profit, 24 months
- $2.34M
- +$2.5M vs self-funded
Estimated credit facility: $2.5M. Cumulative profit, 24 months: $2.34M.
Monthly revenue
With financing vs. self-funded
Monthly profit
Company-wide: revenue from all active cohorts, less that month’s ads, creatives and operating costs. Ad spend comes before the revenue it generates, so early months run at a loss.
Monthly ad spend
With financing vs. self-funded
Cohort ROAS curve
Cumulative revenue per $1 of ad spend, by cohort age
Month-by-month breakdown
| Month | Ad spend | Financed spend | Revenue | Creatives | Operating costs | Profit | Cash balance | Profit (self-funded) |
|---|---|---|---|---|---|---|---|---|
| M1 | $250k | $210k | $125k | $13k | $15k | −$153k | $108k | −$150k |
| M2 | $270k | $227k | $185k | $14k | $15k | −$114k | $73k | $0 |
| M3 | $292k | $245k | $250k | $15k | $15k | −$71k | $47k | $0 |
| M4 | $315k | $265k | $295k | $16k | $15k | −$51k | $24k | $0 |
| M5 | $340k | $286k | $343k | $17k | $15k | −$29k | $17k | $0 |
| M6 | $367k | $309k | $396k | $18k | $15k | −$5k | $34k | $0 |
| M7 | $397k | $333k | $440k | $20k | $15k | $8k | $67k | $0 |
| M8 | $428k | $360k | $488k | $21k | $15k | $23k | $117k | $0 |
| M9 | $463k | $389k | $539k | $23k | $15k | $38k | $184k | $0 |
| M10 | $500k | $420k | $595k | $25k | $15k | $55k | $270k | $0 |
| M11 | $540k | $453k | $655k | $27k | $15k | $73k | $376k | $0 |
| M12 | $583k | $490k | $720k | $29k | $15k | $93k | $505k | $0 |
| M13 | $630k | $529k | $782k | $31k | $15k | $106k | $649k | $0 |
| M14 | $680k | $571k | $848k | $34k | $15k | $119k | $811k | $0 |
| M15 | $734k | $617k | $920k | $37k | $15k | $134k | $990k | $0 |
| M16 | $793k | $666k | $998k | $40k | $15k | $150k | $1.19M | $0 |
| M17 | $856k | $719k | $1.08M | $43k | $15k | $168k | $1.41M | $0 |
| M18 | $925k | $777k | $1.17M | $46k | $15k | $187k | $1.65M | $0 |
| M19 | $999k | $839k | $1.27M | $50k | $15k | $207k | $1.92M | $0 |
| M20 | $1.08M | $906k | $1.38M | $54k | $15k | $229k | $2.22M | $0 |
| M21 | $1.17M | $979k | $1.49M | $58k | $15k | $252k | $2.54M | $0 |
| M22 | $1.26M | $1.06M | $1.61M | $63k | $15k | $278k | $2.9M | $0 |
| M23 | $1.36M | $1.14M | $1.75M | $68k | $15k | $306k | $3.29M | $0 |
| M24 | $1.47M | $1.23M | $1.89M | $73k | $15k | $335k | $3.71M | $25k |
| 24 mo | $16.69M | $14.02M | $20.23M | $835k | $360k | $2.34M | $3.71M | −$125k |
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For illustration only; this is not an offer or commitment to lend. Actual limits and terms are subject to underwriting and depend on your cohort data. Key assumptions: the business starts with no existing revenue; with financing, the full planned budget is spent unless the credit facility or your cash runs out, and Adapty Finance funds the selected share of ads and creatives; in both scenarios, spend is scaled back whenever cash would otherwise fall below zero; 80% of each cohort’s revenue goes toward repaying its financing; the credit facility is sized at up to 5x the starting monthly budget (at an 80% share, proportionally less at lower shares); each cohort contributes revenue for 24 months and later revenue is excluded; creative costs are a percentage of ad spend and are financed alongside ads; operating costs are paid from your own cash.
