The Scenario
Most SME app owners operate on thin cash reserves. When they hit a growth spurt -such as a successful holiday campaign or a viral social media moment - they face a counterintuitive crisis: the more they sell, the more "broke" they feel in the short term.
The Three-Pillar Pain Point
1. The Capital Lock-up
Revenue earned today is trapped in payment ecosystems like Apple App Store, Google Play, Amazon Appstore, Stripe, Shopify, and PayPal for 30 to 45 days—sometimes even longer.
2. The Opportunity Cost
While waiting for Apple, Google, or Amazon to process your payout, you cannot pay for the next round of ads, server upgrades, or freelance developers needed to handle the new users.
3. The Marketing Decay
In the mobile and web app world, momentum is everything. If you stop spending on user acquisition (UA) for 4 weeks while waiting for Apple or Google to pay you, your app's ranking drops, making it twice as expensive to "restart" the growth engine later.
The Tupel Intervention
Tupel acts as a financial bridge, transforming "future" receivables into "instant" working capital—regardless of whether you're waiting on Apple App Store, Google Play, Stripe, PayPal, Shopify, or other payment platforms.
Step 1: The Connection
The owner links their store analytics to Tupel. Tupel's algorithm instantly calculates the "Net Remittance" (the money already earned but not yet paid).
Step 2: The Down Payment
Tupel provides a liquidity advance (typically 80-90% of the pending amount) within 24–48 hours.
Step 3: Automated Settlement
When the platform finally remits the funds, the advance is settled automatically. The owner pays a transparent, flat fee - no hidden interest or equity dilution.
The Business Outcome
- Compound Growth: The owner reinvests the "Down Payment" immediately. Instead of one growth cycle every 60 days, they can run three cycles in the same period.
- SME Agility: A Dutch indie studio or a UK SaaS startup can now out-maneuver larger competitors by being more responsive to market trends.
- Financial Stability: Payroll and vendor bills are paid on time, regardless of when Apple's "Fiscal Month" ends or when Stripe processes monthly payouts.
Summary: The "Tupel Effect"
| Without Tupel | With Tupel |
|---|---|
| Growth is "Stop-and-Go" | Growth is Continuous |
| Cash is locked for 45 days | Cash is available in 48 hours |
| High stress during payout weeks | Predictable, steady cash flow |
| Missed scaling opportunities | Immediate reinvestment power |