Calculator
Enter the amount, the repayment multiple, the percentage of revenue and your monthly revenue.
✓ Checking what you qualify for does not affect your credit score.
In a true revenue-share structure the payment moves with revenue. The table shows the same funding at 30% lower and 30% higher revenue.
| Scenario | Payment | Months |
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Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.
The multiple is fixed, so the total to repay is fixed. The percentage of revenue is fixed, so the monthly payment moves with revenue. The months to repay is the only thing that stretches or shrinks. That is the entire structure, and the table shows it at three revenue levels.
If your revenue is volatile, look at the low case. If the stretched timeline runs into another capital need, the structure may not suit you.
Some agreements include a minimum monthly payment that applies even if revenue is very low. The calculator does not assume one. If your agreement has one, treat the low case as at least that amount. Ask about minimums before you sign and write them next to the table.
Enter the amount, the multiple and the percentage from the offer, then enter your slowest-month revenue as the monthly figure. If the months to repay run past your next slow season, ask for a lower multiple or a smaller amount.
In a true revenue-based structure, yes. Confirm that and ask about any minimum.
The percentage of zero is zero, but check the agreement for minimum payments.
Educational information only. It is not legal, tax or accounting advice.
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