Calculator
Enter average daily sales, the holdback percentage and the total payback to see the daily payment and how long repayment takes.
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A holdback flexes with sales. The table shows how a 30% swing in sales moves both the payment and the time to repay.
| Scenario | Daily payment | Days | Months |
|---|
Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.
The calculator runs your sales at normal, 30% lower and 30% higher. The daily payment moves in proportion, and so does the time to repay. A business that sells $3,000 a day at a 10% holdback pays $300; at $2,100 a day it pays $210 and takes about 40% longer.
The point of the table is to see the slow case clearly. If the slow-case time to repay runs into a season you know is weak, consider a different structure.
Months to repay divides business days by the days per month you enter. If your business trades six days a week, enter a higher number for a more realistic answer. A seasonal business should also read the figure in light of which months are strong.
Always check the low case, always compare the months figure with your slow months and always ask whether the agreement has a minimum payment. Those three checks catch most structural problems.
Only by amending the agreement.
It varies, commonly between roughly 5% and 20% of daily sales, set against the payback and your sales volume.
Educational information only. It is not legal, tax or accounting advice.
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