Financial Models for Mobile Studios

Purpose-built analytical tools designed for CFOs and founders to evaluate real capital costs, assess platform risk, and model unit economics without marketing smoke and mirrors.

Featured Tool

XIRR & Effective APR Comparator

Unmask the true annualized cost of revenue-based loans and fixed-fee factoring advances.

Client-Side Dynamic Model

Deal Parameters

Financing / Advance Facility ($) $250,000
Headline Fee / Factor Rate (%) 6.0%
Repayment Horizon (Months) 6 Months

Actual Economics

21.7%
True Effective Annualized Rate (XIRR)
+15.7% spread over headline flat fee
Capital Received Upfront: $250,000
Headline Flat Fee (Nominal): $15,000
Total Cash Returned: $265,000
Expected Monthly Amortization: $44,167 / mo

CFO Note on Flat Fees:

Because principal is repaid continuously each month, the average capital outstanding over the term is approximately half the principal. A lender quoting a "6% fee for 6 months" is actually earning over 21% annualized return on the capital in use. Use this figure when benchmarking against venture debt or bank lines.

Lifetime Financing IRR Model

Compare financing across different pricing models (rev-share, factoring, fixed-fee) against payback horizons to calculate true UA funding ROI.

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Residual Cohort Value Model

Calculate the "Ghost Asset" on your balance sheet: quantify the remaining cash flows from past cohorts to unlock non-dilutive borrowing capacity.

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2026 UA Financing Partner Guide

Our comprehensive 2026 benchmark guide evaluating receivables factoring, cohort debt, and private credit providers for mobile studios.

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