Growth capital for DTC

$1K in ad spend. Repay $1,100 from revenue. Keep everything above that.

We fund $1,000 in marketing spend and repay ourselves $1,100 from your revenue. That's a flat 10% fee. No equity, no personal guarantee, payback in under 30 days. Everything above $1,100 is yours to keep.

See if I qualify → How it works ↓
$1,000
We fund your ad spend
$1,100
Repaid from your revenue
Everything else is yours

Startups shouldn't sell equity to pay for ads

Marketing spend is the most predictable line item in your business. It has measurable ROI. So why are founders giving up 15-25% of their company to fund it?

The old way

Raise equity to fund growth

Give away ownership of your company every time you want to spend more on marketing. Months of fundraising. Dilution. Board seats. The most expensive capital for the most predictable spend.

CohortCredit

$1K in, repay $1,100, keep the rest

We fund $1,000 in marketing spend and repay ourselves $1,100 from your revenue. 10% flat fee. No equity, no personal guarantee, payback in under 30 days. Everything above $1,100 is yours.

Apply in 2 minutes. Get funded in days. Pay back in <30 days.

1

Answer 4 questions

Tell us your conversion rate, average order value, customer acquisition cost, and time to first revenue. That's it.

2

Get instant answer

Our engine calculates whether $1,000 in marketing spend will generate $1,100+ in revenue within 30 days. Yes or no.

3

Get funded, grow, repay

We deploy $1,000 to your marketing. Revenue flows in. You repay $1,100. Keep every dollar above that.

Four numbers. That's all we need.

🎯

Conversion Rate

What percentage of visitors become paying customers? Higher conversion = more customers per marketing dollar.

💰

Average Order Value

How much does each customer spend? The higher your AOV, the fewer customers needed to hit $1,100.

📉

Customer Acquisition Cost

How much does it cost to acquire one customer? Lower CAC = more customers from our $1,000 investment.

Time to First Revenue

How quickly do new customers pay? We need payback within 30 days — ideally on the first transaction.

See the math in action

Marketing spend (funded by us) $1,000
Your CAC $25
New customers acquired 40
Your AOV $85
Projected revenue $3,400
CohortCredit repayment −$1,100
Your profit $2,300

$1K in ad spend → $2,300 profit in under 30 days. No equity, no personal guarantee.

Stop selling equity to fund ads that pay for themselves

$1K in ad spend. Repay $1,100 from revenue. Keep everything above that. No equity, no personal guarantee.

See if I qualify →
Latest Insight
The Payback Period Math Most DTC Brands Get Wrong
Learn the real formula — and the three mistakes killing your growth capital.
Read the article →
Interactive Tool
Marketing Payback Calculator
Plug in your real numbers and see your payback period, projected ROI, and funding eligibility.
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$1,000 Funded
$1,100 Repayment
10% Flat Fee
No Equity
No Personal Guarantee

We publish our math. See exactly how funding works.

Read the methodology →
Apply 2 min
Get scored Automated
Get funded 48h
Repay From growth profit