We fund $1,000 in ad 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. Here's exactly how.
We put $1,000 directly into your marketing spend. You run the campaigns you already know work.
When those customers pay you, you send back $1,100. That's our $1,000 plus a flat $100 return.
Revenue above $1,100 belongs entirely to you. No revenue share, no trailing fees, no hidden costs.
No equity, no board seats, no personal guarantee. Your company stays 100% yours.
Every funding option costs you something. Most of them cost more than they should for marketing spend that pays back in weeks.
| Feature | CohortCredit | VC Round | Bank Loan | Clearco / Wayflyer |
|---|---|---|---|---|
| Equity taken | 0% | 10–25% | 0% | 0% |
| Board seat | No | Often | No | No |
| Time to fund | Days | Months | Weeks | Weeks |
| Repayment | From growth profit | Exit / dilution | Monthly + interest | Revenue share |
| Total cost on $1K | $100 flat | $100K+ in equity | $50–150 interest | 6–12% of revenue |
| Transparency | Open math | Opaque terms | Standard | Black box |
| Personal guarantee | No | No | Often | No |
Tell us four numbers: your conversion rate, average order value, customer acquisition cost, and time to first revenue. No pitch deck, no financials, no meetings.
Our underwriting engine calculates whether $1,000 in your marketing will generate at least $1,100 in revenue within 30 days. You get an answer immediately—no waiting for a committee.
If qualified, we deploy $1,000 to your marketing budget. Accept the deal, and the capital is on its way. No paperwork beyond the initial application.
Spend the $1,000 on the channels that work for you—Google, Meta, TikTok, whatever converts. You run the campaigns. You own the customer relationships.
As those new customers pay you, you repay $1,100. Everything above that—$2,000, $5,000, $10,000—is yours to keep. Then do it again.
We don't take ownership. Your cap table stays clean. Future fundraising rounds don't get complicated by us.
No board observer. No "strategic guidance" calls. No one telling you to pivot. You run your company.
If your $1,000 in ads generates $5,000 in revenue, you keep $3,900. We get our $1,100. That's it.
Pay back one cycle, start another. CohortCredit is designed for companies that want to compound—not companies that want to exit.
Want the deeper math?
See the three payback period mistakes most DTC brands make — and the formula that fixes them.
Read: The Payback Period Math Most DTC Brands Get Wrong →$1K in ad spend. Repay $1,100 from revenue. Keep everything above that. Apply in 2 minutes.