AdFi is built for digital businesses. While banks often require physical collateral, extensive paperwork, personal guarantees, and multi-week underwriting. AdFi leverages real-time business data (like revenue, ad performance, and bank) to assess your growth potential. Key differences:

• Non-dilutive, performance-based financing—no equity dilution or personal guarantees.
  
• Speed—apply and get funded in days, not weeks or months.
• Flexibility—repayment aligns with your revenue; no rigid monthly principal + interest obligations.
• Modern underwriting based on CAC efficiency, LTV, ROAS.

AdFi supports growth-stage, digitally-native companies that rely heavily on paid marketing to acquire customers. Our sweet spot includes:

• DTC (Direct-to-Consumer) brands scaling via paid channels like Meta, TikTok, or Google.
  
• SaaS and subscription businesses with strong retention and LTV-to-CAC ratio.
• E-commerce companies with recurring customers and scalable CAC funnels
• B2B digital platforms where revenue is tied to predictable user acquisition pipelines.
• We work with companies generating at least $100K/month in revenue (or equivalent MRR) and who can demonstrate efficient customer acquisition with real payback.

AdFi’s platform connects directly to your real-time revenue, bank, and advertising data, which allows us to assess your application quickly and more accurately than traditional lenders.

• We analyze your CAC payback curve, RoAS trends, revenue seasonality, retention, and LTV in minutes.
  
• Our proprietary underwriting engine builds a dynamic repayment structure that flexes with your performance.
• Borrowers can track funding limits, repayments, and performance metrics from a single dashboard.
• Our system continuously monitors your data post-funding and flagging opportunities to unlock more capital or adjust repayment terms.
• This tech-first approach enables better credit decisions and faster capital deployment—with zero friction.

• Every dollar you raise via equity dilutes your ownership. With AdFi, you raise growth capital without giving up a single share.
  
• Instead of selling equity to fund marketing or customer acquisition, you use AdFi to front-load that marketing spend. You repay us only after that spend starts generating results, preserving your cap table and maximizing your exit value.