Repayment examples
Every example below uses stated, hypothetical assumptions so you can follow the arithmetic and change it for your own offer. None of it is a quote.
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Updated October 13, 2026 · Merchant Fund Express
The size of a request should come from your deposits and the payment they can carry, not from a round number. The tables below show four amounts repaid two ways: as a term loan with a monthly installment and as a revenue-based advance with a weekly remittance. Then they show the monthly deposits each payment implies if you keep it to about one tenth of revenue.
| Amount | Monthly payment | Payments | Total repaid | Interest |
|---|---|---|---|---|
| $25,000 | $2,292 | 12 | $27,504 | $2,504 |
| $50,000 | $4,584 | 12 | $55,008 | $5,008 |
| $100,000 | $9,168 | 12 | $110,016 | $10,016 |
| $250,000 | $22,920 | 12 | $275,040 | $25,040 |
Standard amortization, 0% origination, so net proceeds equal the amount. A longer term lowers each payment and raises total interest: $100,000 over 24 payments at a hypothetical 1.25% per month is about $4,849 a month and $116,368 in total.
| Amount | Factor | Weekly payments | Weekly payment | Total repaid |
|---|---|---|---|---|
| $25,000 | 1.30 | 26 | $1,250 | $32,500 |
| $50,000 | 1.30 | 30 | $2,167 | $65,000 |
| $100,000 | 1.28 | 40 | $3,200 | $128,000 |
| $250,000 | 1.26 | 52 | $6,058 | $315,000 |
If an offer deducts a fee at funding, net proceeds fall while the total stays the same. A $50,000 advance with a hypothetical 3% fee puts $48,500 in your account against the same $65,000 total. Compare on net proceeds and total repaid, as shown in MCA cost.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Weekly payment counts are easy to misread as months. Thirty weekly payments that start on Monday, November 2, 2026 run through late May 2027, about seven months, not seven and a half. Some months contain five payment days, so the cash leaving in those months is higher than an average. Put the real dates on a calendar before you agree to a schedule.
| Revenue-based amount | Payments per month (weekly x 4.33) | Monthly deposits for a payment near one tenth |
|---|---|---|
| $25,000 | About $5,400 a month | About $54,000 |
| $50,000 | About $9,400 a month | About $94,000 |
| $100,000 | About $13,900 a month | About $139,000 |
| $250,000 | About $26,300 a month | About $263,000 |
One tenth is a planning rule of thumb, not a funder rule. A business with high margins can carry more; a thin-margin business should carry less. The real ceiling on an offer is set by deposits, balances and existing positions, which is why how much you can borrow depends more on statements than on credit.
No. Every rate, factor and fee on this page is a hypothetical assumption chosen to show the arithmetic. Your offer shows your real numbers before you sign.
It is priced with a factor on the full amount, and it opens to younger businesses, lower scores and files with existing positions.
Work backward from the payment your deposits can carry. The table above shows the deposits that keep a weekly payment near a tenth of revenue.
Funding runs from $25,000 to $5,000,000. Larger requests usually need more statement history, and full financials are typically requested above $250,000.
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