Calculator
Enter revenue, operating costs, existing debt payments and the proposed daily payment.
✓ Checking what you qualify for does not affect your credit score.
Most problems with an advance are not about the cost. They are about a month that cannot carry the payment. This tests it before you sign.
Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.
The tool takes revenue, subtracts operating costs and existing debt and then the new payment. If the result is negative, the month does not support the payment. If it is positive but under your comfort level, you have thin room. The flag text reports the status against the comfort percentage you set.
A common mistake is to use average months. Run the tool with your worst month from the last year.
The comfort level is your own limit for payment as a share of revenue. Businesses with high margins can run a higher share. Businesses with thin margins need a lower one. If you are unsure, start at ten percent and test a slow month. Adjust until the answer feels safe, not until the result turns green.
Run three cases: normal, 20% lower revenue and 20% lower revenue with a surprise cost. If the payment still fits in the second, you have a buffer. If it fits only in the first, reduce the amount.
That is your decision. A lower comfort level leaves more room for a slow month.
Enter tax remittances inside operating costs so the month is realistic.
Educational information only. It is not legal, tax or accounting advice.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
