Resources

Everything you need to understand, in plain words

Financial vocabulary was built to stay opaque. We translate it. Nothing here is reserved for customers.

The playbook

The four chapters of Moooney Academy, from your first euro to your next milestone.

The words you will hear in a funding meeting, explained without jargon.

Gross, net, cashed: Gross is what you invoiced. Net is what remains after commissions. Cashed is what actually landed in your account. Cashed pays your rent.
Median: The middle month once you sort your months. More honest than the mean, which one big deal is enough to inflate.
Stability: How alike your months are. A regular activity is easy to fund; a swinging one calls for more caution.
Diversification: How many revenue sources you have and how heavy the biggest one is. At 90 % on one source, you are a house of cards.
Trajectory: The slope of your revenue and audience. Audience moves before money, so it predicts better than this month figure.

Revenue-based funding: We advance capital for a project and you repay a percentage of what you earn, up to a total known upfront. No rigid instalment.
Cap: The repayment ceiling. At 1.15, you receive €12,000 and repay at most €13,800. Whatever happens, never more.
Repayment capacity: What your activity can return without choking. The rule: never more than 10 to 12 % of monthly revenue.
Personal guarantee: When a lender asks you to pledge your own assets. Never at Moooney: your activity must fund itself.
Tranche: Releasing funds in steps. The first to start, the rest when early signals show. A protection, not distrust.

Open banking: The European law that lets you authorise read access to your account, without giving credentials and without anyone touching your money.
Scoring: The calculation that turns your numbers into a decision. Ours reads your real multi-platform revenue, not a payslip.
Factoring: Selling an unpaid invoice to get the money now. Useful when a brand pays at 90 days.
Default rate: The share of lent money that never comes back. The number that decides whether a funding service survives.
Equity: A share of your company. An investor who takes one stays in your life forever. A funding, you repay and it is over.