Adapty Finance is a revenue-based financing service from Adapty Tech Inc., the maker of the Adapty subscription platform for mobile apps. It works as factoring: a business sells its unpaid receivables (money it has earned but not yet received) for cash now. App Store and Google Play pay developers with a delay of 45 days or more; Adapty Finance advances up to 85% of the unpaid proceeds, usually covering up to two months of earnings after platform fees and taxes.
The app must track its revenue through the Adapty SDK, which lets Adapty monitor store proceeds and calculate the available amount. After a one-day KYC (identity check), funds arrive on demand or as automatic weekly payouts. Repayment comes directly from the store payouts: Adapty deducts the advance and its fee and transfers the rest.
There is no interest. Adapty charges a flat one-time fee on each advance, typically 2.5% to 3.25%.