We fund your marketing spend so you grow multiples faster
Any calendar cohort, on any ad platform you buy from. You choose the month; we fund the spend behind it.
“Our ROAS is fine. We know we can spend more. We just need the cash to scale”
Your cohorts return over six to twelve months, and each month of spend is big enough that waiting for it costs you real growth.
A geo, a platform or a creative has taken off, and the window to scale it is measured in weeks — not in the time it takes revenue to arrive.
You have learned to keep LTV/CAC stable outside the stores, where payouts land in days and spend can go up the same week.
Three places where your own cash caps your growth
Growth capital
You can only reinvest what you've already collected. Cohort revenue arrives over months — so does your growth.
Intensive A/B tests
Tests compete with your operating budget. More funded tests mean you find the winner sooner — and scale it, not test it.
Cash drag
Stores pay out on their schedule. Financing removes the gap between spending on growth and receiving the revenue it created.
Get the capital — plus the decision engine to allocate it
We score and fund your UA against what the prediction engine forecasts
That is why scoring takes hours, not weeks: we are not reconstructing your unit economics from reports — we read them where they happen.
Use the same engine for your day-to-day ad spend decisions
The same predictive analytics that decides where your next ad dollar goes is what we use to decide which cohorts we can fund. Use it to grow your MRR several times over — as dozens of teams already do, putting more than $30M a month through it. It comes with the financing, at one price, and it stays after you repay.
Visit campaignswell.com →How we think about financing
Source agnostic, month by month
Partnership, not a wire transfer
No dilution, no collateral, no personal guarantees
Apple, Google, Stripe, any mix of them. Finance a full month of acquisition, a single app in your portfolio, or one ad platform on its own. The unit of financing is whatever unit you actually manage, and it can change every month — as can the share we fund, which starts near half and grows toward 80% as your cohorts prove out.
You see the scoring we see. Every week the engine re-reads your cohorts — and the share we fund moves with them, in both directions.
Your future cohort revenue is the security — and nothing else is pledged. You keep every share you own.
Is this your moment?
Financing is worth it at one specific point: when the economics are already proven and the only thing missing is the cash to act on them.
You have the last two or three months of cohort data
Enough history for scoring to read payback and retention at the source. We don't need a year, and we don't need a forecast of your forecast.
You're spending more than $20K a month on performance marketing
Enough volume for cohorts to behave predictably — and still less than your own numbers justify, because last month's revenue hasn't arrived yet.
Your cohorts return +30% and you want to scale them now
That margin is only worth what you can put behind it this month. Every month you wait for store payouts is a month of it you don't buy.
How it works
Indicative offer in 48 hours. Funding in 15 days or less — most of that is diligence and your legal team reading the terms.
Connect your data
Read-only access to your attribution, revenue, and ad spend. We read revenue at the source — you don't prepare reports for us.
We score your cohorts
pROI, payback, retention, and cohort history to identify cohorts eligible for funding.
Get funded
Up to 80% of eligible cohort spend, with the amount and terms based on your cohort economics.
Repay
Repay as your cohorts pay back. Monthly repayments are structured around your payback and cash flow cycle.
Closer than capital
Scalewell comes out of Campaignswell, so we have spent years inside subscription businesses — the same forecasts, the same payback arguments, the same founder problems. We have been helping these teams grow long before we started funding them.
Ok, let's talk money
Up to 80% of the UA spend behind cohorts that pass scoring. The limit grows as your cohorts prove out — we re-score monthly.
1.3–7% total fee per cohort, on the amount funded — it depends on how long the capital stays out. No interest compounding, no hidden spread. You see the exact number on your indicative offer.
Up to 12 months, sized to your cohort payback. Short payback, short facility — you don't pay for time you don't use.
Out of the financed cohort's own revenue. Every month we take the same share of that cohort's revenue as we funded of its spend — so the payment date is monthly, but the amount moves with the cohort, not with a fixed schedule. When the funded amount and the fee are covered, the cohort closes and everything it earns after that is yours. You can prepay early without penalty, and nothing is pledged: no collateral, no personal guarantees.
Repayment follows the revenue that cohort actually generates, so a weak month pays less and takes longer. The rest of the book carries it: once you have several cohorts running, the strong ones cover the shortfall of a weak one, which is why we re-score monthly and fund a portfolio rather than a single bet. Cohort risk is priced into the terms up front — never passed back to you as a penalty or a fixed schedule.
Read-only access to your attribution, ad spend and payment data in Apple, Google or Stripe. Nothing is written back, nothing leaves the scoring pipeline, and we never need a report prepared by your team.
Entirely on cohort behaviour: payback, retention, pROI and how consistent the last few months have been. There is no committee reading a deck, no revenue multiple and no judgement about your category — the engine scores the cohorts, and the tier it lands in sets the advance rate and the fee.
Yes. We only take a share of the specific cohorts we finance, so nothing is pledged company-wide and no other facility is blocked. Tell us who else is in the picture and we will size around them — the one thing we cannot do is finance a cohort that is already financed by someone else.
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Talk to us
Questions about terms, data access or timing — or write to hello@scalewell.app.