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Three places where your own cash caps your growth

Same app, same customers, same team. The only difference is when the money is there.

01

Money for ads

Month 0 Month 12

You can only spend what you've already earned. Customers you win this month pay you over many months — so your growth waits too.

02

Testing more ideas

Month 0 Month 12

Experiments compete with your everyday budget. Run more of them and you find what works sooner — then put money behind it.

03

Waiting for payouts

Month 0 Month 12

App stores pay you on their own schedule. We cover the gap between paying for ads today and getting the money they bring in.

Without financing With Scalewell Illustration of the trend over 12 months

Run it on your own numbers

Four numbers about your app. We cover part of each month's ad budget, get repaid from what those new customers pay you, and charge a fee based on how long that takes.

Monthly ad budget
$10K — $500K
Time to earn back ad costs {{ paybackLabel }}
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Earned per $1 of ads in a year {{ proasLabel }}
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Extra cash you can put into ads {{ cashLabel }}
$0 — $500K
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Month 0 Month 12
Month 12, without financing {{ m12Without }} {{ rateUnit }}
Month 12, with Scalewell {{ m12With }} {{ rateUnit }}
New customers in a year {{ usersRow }}
Revenue in a year {{ revenueRow }}
Our fee {{ costRow }}{{ costNote }}
When customers pay you
Most of the money comes in during the first months — for example, trials turning into paid plans or yearly subscriptions. Same total, sooner, so you can spend it on ads sooner.Customers pay you about the same amount each month until the ad cost is earned back.Most of the money comes in later, from renewals and customers who stay for a long time. Same total, later — so your next ad budget waits for it.
Your estimated offer {{ termsLine }}

An estimate, not an offer. Your real terms depend on how your customers actually pay. Both lines grow the ad budget by the same rule — up to 20% a month while ads earn back their cost, slower as returns shrink — the only difference is cash. We cover only what your own cash can't — up to 80% of each month's ad budget — and take back the same share of the money those customers bring in until the amount plus our fee is repaid; anything left over is repaid from later months. Bigger budgets make each customer cost more: at five times the budget, a new customer costs about 27% more and each $1 of ads earns about 21% less. You start with 2.5 months of ad budget plus your extra cash. Revenue counts only money received within the year.

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See it on your real numbers

View-only access to your data, an estimated offer in 48 hours, and no commitment either way.

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Scalewell provides receivables-based financing to eligible businesses. Nothing on this page is an offer to sell or a solicitation to buy securities, or an offer of credit where such an offer would be unlawful. © 2026 Scalewell

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