{"id":42415,"date":"2026-02-05T09:48:27","date_gmt":"2026-02-05T14:48:27","guid":{"rendered":"https:\/\/www.performcb.com\/?post_type=case_studies&p=42415"},"modified":"2026-02-05T09:48:28","modified_gmt":"2026-02-05T14:48:28","slug":"cash-advance-app-funded-pilot","status":"publish","type":"case_studies","link":"https:\/\/www.performcb.com\/case-studies\/study\/cash-advance-app-funded-pilot\/","title":{"rendered":"Scaling High-Intent Cash Advance Users Through a Low-Risk Performance Pilot"},"content":{"rendered":"\n
<\/div>\n\n\n\n

Outcomes<\/h2>\n\n\n\n
<\/div>\n\n\n\n
\n
\n
\"Analysis<\/a><\/figure>\n<\/div>\n\n\n

439K+ users<\/strong> who applied for advances<\/p>\n<\/div>\n\n\n\n

\n
\"Account<\/a><\/figure>\n<\/div>\n\n\n

326K+ users<\/strong> who initiated a qualified bank connection<\/p>\n<\/div>\n\n\n\n

\n
\"Marketing<\/a><\/figure>\n<\/div>\n\n\n

158K+ users<\/strong> who completed a pay advance<\/p>\n<\/div>\n<\/div>\n\n\n\n

<\/div>\n\n\n\n

Overview<\/h2>\n\n\n\n

A premier cash-advance solution offering consumers fast access to short-term funds in moments of need was interested in entering a partnership with Perform[cb]<\/sup>\u2019s Outcome Engine. The fintech brand was focused on acquiring high-intent users who would not only complete an initial advance but continue using the service on a recurring basis.<\/p>\n\n\n\n

<\/div>\n\n\n\n

With growing demand for financial flexibility and a favorable economic backdrop, the timing was ideal for this finance marketer to expand its reach among ready-to-convert users.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Goals + Objectives<\/h2>\n\n\n\n

The marketer wanted to scale new user acquisition, specifically net-new users who would complete a pay advance – but, like many fintech brands, needed to validate traffic quality before committing large budgets to a new performance partner.<\/p>\n\n\n\n

<\/div>\n\n\n\n

While they did not present specific challenges, the objective was clear: find a partner capable of driving high-volume, high-quality users at scale<\/strong>, with minimal upfront risk.<\/p>\n\n\n\n

<\/div>\n\n\n\n

The Funded Pilot: Reducing Risk & Driving Acceleration<\/h2>\n\n\n\n

To help this finance app confidently launch, Perform[cb]<\/sup> proposed a $50K funded pilot, structured as:<\/p>\n\n\n\n

    \n
  • – $10K in Perform[cb]<\/sup>-funded traffic<\/strong><\/li>\n\n\n\n
  • – $40K client contribution<\/strong><\/li>\n<\/ul>\n\n\n\n
    <\/div>\n\n\n\n

    The shared investment model demonstrated Perform[cb]<\/sup>\u2019s confidence in the Outcome Engine\u2019s traffic quality and reduced the financial risk typically associated with testing new channels. This proved instrumental in accelerating the partnership and removing hesitations.<\/p>\n\n\n\n

    <\/div>\n\n\n\n

    Objectives<\/h2>\n\n\n\n

    The partnership centered around three core goals:<\/p>\n\n\n\n

      \n
    1. Drive net-new users completing cash advances<\/strong><\/li>\n\n\n\n
    2. Identify users likely to become long-term, recurring customers<\/strong><\/li>\n\n\n\n
    3. Validate Perform[cb]<\/sup>\u2019s traffic quality at scale through a structured, low-risk pilot<\/strong><\/li>\n<\/ol>\n\n\n\n
      <\/div>\n\n\n\n

      Perform[cb]<\/sup>\u2019s strong reputation in performance-based user acquisition, paired with the funded pilot, made the test attractive and signaled reliability for the fintech brand.<\/p>\n\n\n\n

      <\/div>\n\n\n\n

      Strategic Approach<\/h2>\n\n\n\n

      Capitalizing on Market Conditions<\/strong><\/h3>\n\n\n\n

      Economic trends and consumer behavior signaled strong demand for cash-advance products. Perform[cb]<\/sup> leaned into known industry seasonality by concentrating spend around pay periods,  specifically the 1st, 15th, and end of each month, when user intent to take an advance historically spikes.<\/p>\n\n\n\n

      <\/div>\n\n\n\n

      Right Partners, Right Traffic<\/strong><\/h3>\n\n\n\n

      Perform[cb]<\/sup> built a custom media mix based on historical performance across similar fintech campaigns. This ensured the campaign launched with proven traffic sources that aligned with the marketer\u2019s quality requirements.<\/p>\n\n\n\n

      <\/div>\n\n\n\n

      Setting the Foundation for Success<\/strong><\/h3>\n\n\n\n

      During onboarding, the team implemented:<\/p>\n\n\n\n

        \n
      • – A curated media partner mix <\/li>\n\n\n\n
      • – Clear alignment on KPIs and down-funnel metrics<\/li>\n\n\n\n
      • – Support for creative strategy and testing<\/li>\n\n\n\n
      • – Compliance guardrails from day one<\/li>\n<\/ul>\n\n\n\n
        <\/div>\n\n\n\n

        Execution<\/h2>\n\n\n\n

        Creative & Placement Testing<\/strong><\/h3>\n\n\n\n

        The finance marketer provided an extensive creative library, allowing partners to quickly test various ad formats. Key findings included:<\/p>\n\n\n\n

          \n
        • – Video creatives produced the strongest conversion rates <\/strong><\/li>\n\n\n\n
        • – A mix of in-app and mobile web<\/strong> placements outperformed single-channel usage<\/li>\n<\/ul>\n\n\n\n
          <\/div>\n\n\n\n

          This helped partners optimize quickly and ramp spending without sacrificing performance.<\/p>\n\n\n\n

          <\/div>\n\n\n\n

          Leveraging VTA for Scale & Compliance<\/strong><\/h3>\n\n\n\n

          To meet the brand\u2019s compliance requirements while accessing premium traffic, Perform[cb]<\/sup> implemented view-through attribution (VTA) with a one-hour attribution window. This allowed the campaign to remain active on top-performing sources that rely on VTA signals,  a crucial factor in scaling quality volume.<\/p>\n\n\n\n

          <\/div>\n\n\n\n

          Layering Funnel Events for Stability<\/strong><\/h3>\n\n\n\n

          As the campaign matured, Perform[cb]<\/sup> introduced a Bank Account Connect funnel event. This allowed partners to optimize earlier in the user journey, significantly improving conversion stability and overall scale.<\/p>\n\n\n\n

          <\/div>\n\n\n\n

          Results<\/h2>\n\n\n\n

          Overall Performance<\/strong><\/h3>\n\n\n\n

          Since launch, the cash advance brand has driven:<\/p>\n\n\n\n

            \n
          • – 439K+ users<\/strong> who applied for advances<\/li>\n\n\n\n
          • – 326K+ users<\/strong> who initiated a qualified bank connection<\/li>\n\n\n\n
          • – 158K+ users<\/strong> who completed a pay advance<\/li>\n<\/ul>\n\n\n\n
            <\/div>\n\n\n\n

            Perform[cb]<\/sup>\u2019s Outcome Engine has become a top paid acquisition partner<\/strong> for this marketer and a leading driver of their core performance event. <\/p>\n\n\n\n

            <\/div>\n\n\n\n

            Alignment With Initial Objectives<\/strong><\/h3>\n\n\n\n

            The campaign successfully delivered high-quality, net-new users at scale \u2014 exactly the outcome the pilot was designed to validate.<\/p>\n\n\n\n

            <\/div>\n\n\n\n

            Scalability Unlocked<\/strong><\/h3>\n\n\n\n

            Introducing a Bank Account Connect<\/strong> campaign allowed partners to optimize to earlier funnel signals, resulting in double the number of advances<\/strong> compared to the first-advance-only setup. This layered-funnel approach created a more efficient and predictable path to qualified volume.<\/p>\n\n\n\n

            <\/div>\n\n\n\n

            Long-Term Impact<\/h2>\n\n\n\n

            What began as a funded pilot has evolved into a durable, scalable user acquisition engine. This fintech marketer now relies on Perform[cb]<\/sup> as a primary growth partner in its cash-advance funnel, benefiting from:<\/p>\n\n\n\n

              \n
            • – Consistent delivery of high-quality, ready-to-convert users<\/li>\n\n\n\n
            • – Expanded optimization opportunities across multiple funnel events<\/li>\n\n\n\n
            • – A predictable model for long-term user acquisition growth<\/li>\n<\/ul>\n\n\n\n
              <\/div>\n\n\n\n

              The combination of VTA, strong partner alignment, and multi-event funnel optimization has positioned the brand for continued success as they scale.<\/p>\n\n\n\n

              <\/div>\n\n\n\n

              Key Success Factors<\/h2>\n\n\n\n
                \n
              • – The funded pilot eliminated early risk and accelerated launch<\/strong><\/li>\n\n\n\n
              • – Proven partner mix tailored to fintech acquisition<\/strong><\/li>\n\n\n\n
              • – Strong video-led creative performance<\/strong><\/li>\n\n\n\n
              • – Pay-cycle spend strategy matched user behavior<\/strong><\/li>\n\n\n\n
              • – VTA with a one-hour attribution window maintained compliance and scale<\/strong><\/li>\n\n\n\n
              • – Funnel-event layering unlocked broader optimization and higher volumes<\/strong><\/li>\n<\/ul>\n\n\n\n
                <\/div>\n\n\n\n

                Lessons Learned<\/h2>\n\n\n\n
                  \n
                • – Running with VTA is essential for maintaining access to high-volume traffic sources in the fintech space.<\/li>\n\n\n\n
                • – Layering multiple funnel events (e.g., Bank Account Connect + Pay Advance) significantly improves scale and conversion quality.<\/li>\n\n\n\n
                • – Creative testing and variety early on accelerates optimization and produces faster wins.<\/li>\n\n\n\n
                • – Funded pilots increase buy-in and enable you to test new channels without fear of wasted spend.<\/li>\n<\/ul>\n\n\n\n
                  <\/div>\n\n\n\n

                  With a collaborative approach, data-driven optimization, and a funded pilot that reduced risk, Perform[cb]<\/sup> helped this fintech brand scale immensely, becoming one of their top-performing acquisition channels. The partnership continues to grow as both teams explore new opportunities to drive quality users at the right time and at the right cost.<\/p>\n\n\n\n

                  <\/p>\n","protected":false},"excerpt":{"rendered":"A premier cash-advance solution scaled high-intent user acquisition by testing a funded pilot. 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