Frequently Asked Questions

Factoring is the purchase of future receivables, not a loan. We're advancing you capital against confirmed revenue that Apple or Google have already approved — earnings you've earned but are waiting to receive.

Key difference: Loans are based on your ability to repay from future, uncertain income. Factoring is based on revenue that already exists and is confirmed by the platform.

This makes factoring lower-risk for both sides: you're not taking on debt based on projections, and we're advancing against confirmed payouts, not promises.

When the App Store or Google Play payout arrives in your Ampere account, we automatically collect what's owed: the advance amount + 3% fee.

Example: You received an £80,000 advance. When the £100,000 payout arrives:

• Payout hits your Ampere account: £100,000
• We collect: £80,000 (advance) + £2,400 (3% fee) = £82,400
• You immediately get: £17,600 in available balance

You receive a notification showing the repayment is complete and your remaining balance is available.

If Apple/Google delays the payout beyond the expected date, repayment is simply delayed by the same amount. There are no late fees or penalties for payout delays caused by the platform.

Example: If Apple typically pays on the 15th but delays to the 20th, your repayment automatically happens on the 20th instead. The 3% fee stays the same — no additional charges.

We've factored platform payment variability into our model. This is their delay, not yours.

Yes! You can factor receivables from App Store, Google Play, or both. During application, you'll specify which platforms you want to include.

Each platform's payouts are handled separately, but you manage everything through one Ampere account. If you have confirmed earnings from both, you can request advances against either or both.

Each advance is tied to a specific payout period. Typically, you'd take one advance per month (against that month's upcoming payout). However, if you have confirmed earnings from multiple sources or periods, you can have multiple active advances.

Example: Advance against January App Store payout + advance against January Google Play payout = two concurrent advances, both repaying when their respective payouts arrive.

Yes — and account setup is free for app developers. Ampere is an authorised UK e-money institution, which means they're required to verify your identity and business details to comply with financial regulations. This takes 1-3 days.

Why you need an Ampere account at all: This is our core differentiator. Your App Store payouts flow to your Ampere account, not ours. You own it, you control it, you have full visibility. We just collect what's owed via agreement.

Competitors require payouts to flow to their accounts, giving them control over your money. With Amps33, the account is always yours.

3% might seem high at first glance, but it's important to compare like-for-like. Here's the reality:

Amps33: 3% all-in. No origination fee, no hidden FX spreads, no SWIFT fees. Total cost: 3% (plus Ampere account: free setup + £20/mo).

Typical competitor: Stated 3-4% fee + forced USD conversion (1-3% spread) + SWIFT fees ($15-40) + hidden platform fees. Real total cost: 5-8%.

Additionally, compare to alternatives: bank overdraft (10-15% APR), credit cards (18%+ APR), or VC dilution (giving up 15-25% equity). For short-term capital timing, 3% is competitive.

No. We're militant about transparency. What you see is what you pay:

• Factoring fee: 3% on deployed capital
• Ampere account: free setup + £20/month
• FX conversion (if needed): 0.35% spread for EUR/GBP

No: Origination fee, due diligence fee, early repayment penalty, platform fee, annual fee, forced USD conversion, SWIFT charges, hidden spreads.

If there's a cost, it's listed above. If it's not listed, you don't pay it.

The 3% fee is collected when the payout arrives, not upfront. You receive the advance amount in full, and repayment (advance + fee) happens automatically when Apple/Google pays.

Example: £80,000 advance → you receive £80,000 immediately. When the £100,000 payout arrives, we collect £82,400 (£80k + £2.4k fee). You get the £17,600 remainder.

We need to verify your confirmed earnings directly from Apple/Google instead of relying on uploaded screenshots or statements. This serves three purposes:

1. Speed: Automatic data ingestion means faster approval (24-48h vs weeks).
2. Accuracy: We see real-time data, not potentially outdated or altered screenshots.
3. Fraud prevention: Direct platform integration reduces risk for both sides.

What Financial role gives us: View payout data, see confirmed earnings, access financial reports.

What it does NOT give us: We cannot change app settings, upload builds, modify pricing, or delete your app. You can revoke access anytime.

This is the foundation of our control differentiator. Competitors require your App Store payouts to flow to their bank account — meaning they own the account, they control when you get paid, and switching providers is complex.

Amps33 is different: Your payouts flow to YOUR Ampere account. You own it. You control it. We collect what's owed via agreement, but you maintain full visibility and access to your funds.

Ampere is an authorized UK e-money institution — regulated, secure, and designed for this exact use case.

"Some competitors want revenue to go to their account. We're categorically not ready for that — risk of losing control over money."

KYC (Know Your Customer) verification is required to open an Ampere account. Timeline varies based on your company structure:

• Simple case: 1-2 business days (single director, straightforward UK Ltd)
• Standard case: 3-5 business days (multiple directors, standard structure)
• Complex case: 5-7 business days (multiple UBOs, offshore entities, unclear ownership)

What makes it faster: All documents ready upfront, simple UK Ltd structure, clear ownership.

What makes it slower: Missing documents, complex ownership, weekend/bank holiday in window.

The biggest difference: account ownership.

Typical competitor model: Your App Store payouts flow to their account. They own it, they control when you get the remainder, you have limited visibility. Switching providers is complex (weeks to unwind).

Amps33 model: Your payouts flow to your Ampere account. You own it, you control it, full transparency. We collect what's owed via agreement. Switching is simple (just repay & redirect).

Additional differences:

• Amps33: Multi-currency support, no forced USD. Competitors: typically require USD accounts.
• Amps33: Transparent FX (0.35%). Competitors: hidden spreads (1-3%) + SWIFT fees.
• Amps33: UK-focused, FCA-regulated. Most competitors: US-based.

Different use cases. Here's how to think about it:

Raise VC if: Pre-revenue or very early, need capital to prove concept, want strategic guidance/network, planning aggressive market expansion, need long runway to find product-market fit.

Use Amps33 if: Revenue already exists (£20k+/mo), product-market fit proven, ROAS positive, growth limited by cash timing (not market), want to maintain 100% control and avoid dilution.

Hybrid approach: Use factoring to scale initially, then raise VC later at higher valuation. Same £500k raised, but less dilution if you're valued at £5M instead of £2M.

Cost comparison: Amps33 3% per month vs VC 15-25% permanent dilution. If you can bootstrap with factoring, you keep more equity long-term.

Yes — this is one of the most common use cases. If your UA economics work (positive ROAS) but you're waiting for Apple to pay last month, factoring lets you fund this month's campaigns immediately.

Example scenario: You spend £80k/mo on UA with 1.8x ROAS. You want to scale to £120k/mo, but you're waiting for Apple's payout. Get an advance, fund the £120k campaign, repay automatically when the payout arrives. Repeat monthly.

When this works best: ROAS proven positive (1.3x+ minimum), UA channels identified, revenue £20k+/mo, UK-based studio.

Absolutely. Not every use case is about aggressive growth. Some studios have stable revenue but face the timing mismatch: payroll due on the 1st, rent on the 5th, but Apple pays on the 15th.

Amps33 smooths out the cash flow curve. Instead of feast-and-famine tied to payout dates, you have predictable access to your confirmed earnings when you need them.

Use it for: payroll timing, rent and operational expenses, supplier payments in local currency, avoiding short-term credit card debt.

Currently: UK only. You must be a UK-registered company (Ltd, PLC, LLP) with UK proof of address for all beneficial owners.

Coming in 2026: EU expansion is planned. If you're an EU-based studio, you can join the waitlist on our website or contact us directly.

Why UK-only now: Regulatory requirements, banking partnerships, and KYC processes vary by jurisdiction. We're starting with UK to ensure we get it right before expanding.

Yes! Ampere supports multi-currency accounts. If your App Store pays you in EUR, we can advance in EUR. Conversion only happens when you need it, not forced.

FX rates: 0.35% spread for EUR/GBP conversions. No SWIFT fees (we use SEPA, Faster Payments).

This is a key differentiator: Competitors (especially US-based ones like Braavo) force you into USD accounts, creating double conversion costs and SWIFT fees.