Customer acquisition financing
Turn proven customer economics into growth capital. Cohort Capital purchases a capped share of the gross profit from the customers you acquire with our funding.
Non-recourse option · No equity dilution · No daily debits
Explore the economics
Illustrative modelThe $130,000 cap is reached. All additional cohort gross profit stays with the brand.
Assumes a 55% collection share and 1.30× cap. Retained gross profit is before acquisition spend and other business costs. No timing or annualized return is modeled. Actual terms require underwriting.
Experience behind the capital
Historical activity at the founding team’s prior firm.
The model
Customer acquisition cost, or CAC, is an investment in future customer value. We assess that value through acquisition cost, margin, and retention, then fund an agreed cohort of new customers.
We review your cohort data, contribution margin, and retention to identify the acquisition spend your business can support.
Capital goes into agreed channels. The non-recourse product purchases a share of that defined cohort’s future gross profit.
Collections follow the financed cohort’s performance. Once the agreed return cap is reached, the remaining cohort gross profit stays with you.
Choose the right structure
For DTC and e-commerce brands
A capped purchase of cohort gross profit. No personal guarantee, no equity dilution, and collections tied to the financed customers’ actual performance.
For larger brands with credit support
A separate structure for established businesses able to provide company or parent credit support, with pricing that reflects duration and the support provided.
Terms vary by product and underwriting. The non-recourse protections described above do not apply identically to the guaranteed product.
Is there a fit?
Start with a quick eligibility check. No account is needed to explore fit; a funding decision follows a full review.
Check eligibilityInitial screening guidelines, not a credit decision or an offer. Cohort data and the complete business profile determine eligibility.
Understand the tradeoffs
Compare what is purchased, how collections work, what happens if performance falls short, and where guarantees apply.
Illustrative financing scenarios
Illustrative financing scenario
A profitable skincare brand was leaving growth on the table because every dollar of acquisition spend competed with working capital. Non-recourse cohort financing let them scale proven channels without raising equity.
Illustrative financing scenario
A seasonal apparel brand needed to fund pre-season acquisition without the daily-debit risk of an MCA. Non-recourse structure meant a soft quarter cost them less, not more.
No. It's a non-recourse purchase of a share of your future cohort gross profit — a true sale, not debt. There's no interest rate, no maturity date, and no recourse to you.
We collect a set share of the cohort's gross profit until a fixed return cap (e.g., 1.30× of capital deployed). Total cost is bounded by that cap; we provide all applicable cost disclosures before funding.
You owe nothing beyond what the cohort actually generates. We absorb the shortfall — that's what non-recourse means.
Not on the non-recourse product. The corporate tier is backed by a company/parent guarantee in exchange for lower-cost capital.
Typically 5–10 business days from a complete data room to first deployment.
Agencies & platforms
Explore the referral program for partners supporting growth.
Your next stage of growth