UA financing · mobile apps & games

UA financing repaid by your cohorts, not a schedule

At ScalrX Capital, UA financing is receivables factoring: we buy the payouts that any store, ad network or payment provider owes you. Get a limit sized to your revenue and marketing upside, cash in about three days, and settle from platform payouts as cohorts pay back.

  • Limit in days
  • Repay from payouts
  • No equity

Paid UA works. Payout delays don’t.

Stores pay 30–60 days after the month closes and cohorts take months to pay back. Scalr bridges that gap so you can keep buying users while your ROAS curve does its job.

3days

From accepted terms to cash

95%

Of App Store and Google Play receivables available

$2M+

Facilities, from $30K advances

0%

Equity or warrants

Two products

Two ways to fund UA. Different terms.

Receivables factoring works from your first months of revenue. Cohort-based financing is sized to your cohort payback and settles from the cash each cohort returns.

Receivables factoring

Fund UA with payouts you’re already owed

What we buy
Payouts App Store, Google Play, ad networks and payment providers already owe you
How it settles
The platform pays out on its normal schedule and the purchased receivables settle. No repayment schedule.
Who it’s for
From $30K monthly revenue and about 2–3 months of revenue visible in your store or ad-network accounts
Cohort-based UA financing

Scale paid UA on your cohort payback

Limit
Sized to your cohort payback, revenue and marketing plan
How you repay
From the cash each financed cohort returns, in step with its payback curve, not on a fixed schedule
Time to cash
3 days from signed terms
Talk to us
How it fits your UA

Spend on growth today, repay as cohorts pay back

We buy the payouts your cohorts are already generating on any store or ad network, so you can fund user acquisition now. Settlement follows your cohort payback curve and the actual platform payouts, not a fixed loan schedule.

  • Instant limit

    A limit sized to your revenue and your marketing upside, including large volumes, as soon as your data is in.

  • 3 days

    No long approval cycle. Money can be in your account three days after you accept the terms.

  • Cohort payback

    Repay as your cohorts pay back. Repayments come from the cash each cohort returns, so spend and repayment stay in sync.

Payback on day 88Example cohort · cumulative cash returned vs UA spend
0%50%100%150% D88 Repaid to Scalr from cohort cash Yours D0D30D60D90D120D180
Cumulative cash returnedRepaymentYour margin
Talk to us ifyou’re not yet big enough for other UA financing players
Talk to us ifyou acquire users in unusual geos
Talk to us ifyou don’t want to spend all your funding round on marketing
Pre-qualification

Check your limit in 30 seconds

Your receivables line is available immediately. If your cohorts pay back, we can keep financing your growth for the next 12 months. A firm offer follows a short data review.

Platform with your main revenue
$100,000
$10K$500K$1M$2M
140%
60%100%150%200%250%
6 months
1 mo36912 mo
Receivables line · available now
$190K

2 months of App Store payouts × 95% advance

12-month indicative capacity$1.6M
Fees over 12 months$87K
Projected monthly revenue · today → month 12$100K → $185K
Total fee per tranche · 6 monthsSubject to due diligence. Not a commitment.5.5%
Time to cash · from first contact~8 days

All figures are indicative terms only, subject to due diligence. They are not a commitment or a formal offer.

UA financing FAQ

Questions about UA financing

What is UA financing?

UA (user acquisition) financing gives mobile app and game studios capital to spend on paid marketing now and repay it later from the revenue those users generate. Scalr provides it through receivables factoring against App Store, Google Play and ad-network payouts.

Is UA financing a loan?

No. At ScalrX Capital, UA financing is receivables factoring: we purchase the receivables your stores, ad networks and payment providers owe you, and they settle when the platforms pay out. No fixed installments, no equity, no personal guarantees.

How fast can I get UA funding?

After you share read-only access to your store and ad-network data and accept the terms, funds can be in your account in about three days.

How is the limit calculated?

Your limit is based on your current receivables, revenue run-rate and the upside in your marketing budget. It can cover large volumes and is reviewed as your revenue grows.

How do I repay?

Repayment follows your cohort payback curve: platforms pay out and the purchased receivables settle, so there are no fixed installments that fight your cash flow.

Who is Scalr UA financing for?

Mobile app and game developers from $30K monthly revenue, with about 2–3 months of revenue visible in their App Store Connect, Google Play Console or ad-network accounts, including teams that are too small for larger UA funds, that buy traffic in unusual geos, or that prefer not to spend their equity round on marketing.