Coming Q1 2026

Advanced Factoring

Finance up to 10 months of future App Store revenue with flexible monthly repayment. Pay 3% per month only on the remaining balance. Perfect for long-term growth campaigns.

Up to 10 months

Flexible repayment period

3% / month

On remaining balance only

Up to 85%

Advance rate

How Advanced Factoring Works

Advanced Factoring gives you upfront capital based on multiple months of expected revenue. You repay gradually as your App Store payouts arrive each month.

The Process

You choose the advance period

Select how many months of revenue you want to factor (e.g., 6 months). We advance 70-85% of that expected revenue upfront.

Payouts go to your Ampere account

Apple/Google pay to YOUR Ampere account. Each month, we deduct our repayment portion and you keep the rest immediately.

You pay 3% per month on remaining balance

The fee is calculated monthly on what's left outstanding, not the original amount. As you repay, the fee decreases.

Full repayment within the agreed period

Once the factored amount is fully repaid, you're done. No recurring commitment. You can factor again anytime.

Example: 6-Month Advance

Here's how a £600k (6 months × £100k) factoring arrangement would work

Scenario

Your app generates £100k/month from App Store. You factor 6 months (£600k expected revenue) and receive an 80% advance.

Initial Numbers

Expected revenue (6 months)£600,000

Advance rate80%

You receive upfront£480,000

Monthly Fee Structure

Fee rate per month3%

Applied toRemaining balance

First month fee£14,400

Month-by-Month Breakdown

Month	Payout	Outstanding	Fee (3%)	Repayment	You Keep
1	£100,000	£480,000	£14,400	£100,000	£0
2	£100,000	£394,400	£11,832	£100,000	£0
3	£100,000	£306,232	£9,187	£100,000	£0
4	£100,000	£215,419	£6,463	£100,000	£0
5	£100,000	£121,882	£3,656	£100,000	£0
6	£100,000	£25,538	£766	£26,304	£73,696
Total	£600,000	-	£46,304	£526,304	£73,696

Total Interest Cost

£46,304

Effective 9.6% over 6 months

You Received Upfront

£480,000

Final Month Net

£73,696

Month 6 cash flow

Note: This example assumes consistent £100k monthly revenue. If revenue varies, repayment timing adjusts but the 3% monthly fee on remaining balance stays the same. You can prepay anytime to reduce total interest cost.

When to Use Advanced Factoring

Advanced Factoring is ideal for long-term strategic investments

Good Fit For:

Long-term UA campaigns
6-12 month user acquisition strategies with gradual payback
Seasonal investments
Pre-fund holiday campaigns (Q4) with repayment across multiple months
Product launches
Fund new app/feature launch with gradual revenue-based repayment
Lower total cost
If you can use capital efficiently over months, total cost can be competitive
Predictable revenue
Your app has stable revenue allowing confident 6+ month projections

Better with Revenue Factoring:

→
Short-term cash flow gaps
If you just need quick access to one month's payout, use Revenue Factoring (3% flat fee)
→
Recurring monthly needs
If you factor every month, Revenue Factoring is simpler and cheaper per transaction
→
Immediate UA spend
Quick UA campaigns that pay back within 30-60 days work better with Revenue Factoring
→
Variable revenue
If monthly revenue fluctuates significantly, month-by-month factoring reduces risk

Tip: You can use both products. Start with Revenue Factoring for immediate needs, then switch to Advanced Factoring when planning long-term investments.

Advanced vs Revenue Factoring

Choose the right product for your situation

Feature	Advanced Factoring	Revenue Factoring
Term	Up to 10 months	Single payout (30-60 days)
Fee Structure	3% per month on remaining balance	3% flat fee
Advance Rate	70-85%	70-85%
Repayment	Monthly from payouts	Single deduction from next payout
Total Cost (6 months)	~9-10% (decreasing balance)	3% × 6 = 18% (if done monthly)
Best For	Long-term campaigns, seasonal	Monthly cash flow, quick UA
Availability	Coming Q1 2026	Available Now

Eligibility

Same requirements as Revenue Factoring, plus additional checks for longer-term financing

You Must Meet:

UK-registered company
£20k+ monthly revenue
12+ months app history

Clean policy compliance
Stable revenue pattern
Good repayment history (if existing client)

Advanced Factoring requires additional underwriting due to the longer commitment period. We review your revenue stability over 6-12 months to ensure the arrangement works for both sides.