Net proceeds = amount − deducted fees; total remittance = amount × factor. Divide total remittance by net proceeds to see what each dollar really costs, and compare payment frequency.
Check my optionsCost and offers
Two offers with the same headline amount can cost very different amounts. Net proceeds tell you what you actually receive; total remittance tells you what you will pay back. Dividing one by the other shows what each dollar really costs.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
You can apply at 500; stronger credit opens more products.
Net cash, total payback and payment shown before you sign.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Net proceeds equal the funded amount minus any fees deducted at funding, such as origination, underwriting or administrative fees. If an offer funds $60,000 with a 3% fee, net proceeds are $58,200. If part of the funding pays off an existing advance, subtract that payoff too to see new cash.
Total remittance equals the funded amount multiplied by the factor rate on a merchant cash advance, or principal plus all interest and fees on a loan. A $60,000 advance at a 1.35 factor has a total remittance of $81,000. Note that the factor applies to the full funded amount, not to net proceeds.
Divide total remittance by net proceeds. In this example, $81,000 ÷ $58,200 ≈ 1.39, meaning each dollar received costs about $1.39 to repay. Compare that ratio across offers; an offer with a lower factor but higher fees can come out worse than one with a slightly higher factor and no fees.
Then compare timing. The same total remittance spread over twelve months is far easier on cash flow than over six months. Convert each payment to a monthly equivalent, multiplying daily payments by about 21 business days or weekly payments by about 4.33, and test it against your slowest month.
Finally, check what can change the totals: early-payoff discounts, which some agreements offer at 30, 60 or 90 days; reconciliation if sales fall; and renewal practices that pay off remaining balances from new funds.
MFE presents offers in writing with net proceeds, total remittance and payment schedule, so the comparison can be made line by line. Several states also require standardized disclosures with similar figures.
Here is one offer broken into net proceeds and total remittance. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.45 |
| Total payback (amount × factor) | $181,250 |
| Fees deducted at funding (4%) | $5,000 |
| Net cash you receive | $120,000 |
| Weekly payment over 52 weeks | $3,486 |
| Same total as daily debits (~260 business days) | $697/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Net proceeds | Funded amount - deducted fees (- payoffs) |
| Total remittance | Funded amount x factor |
| Cost per dollar received | Total remittance / net proceeds |
| Monthly equivalent | Daily x ~21 or weekly x ~4.33 |
| Changes to totals | Early payoff, reconciliation, renewals |
Good fit:
Probably not yet:
The funded amount minus fees deducted at funding.
The total you repay: funded amount times factor on an advance.
Divide total remittance by net proceeds and compare payment timing.
No, it applies to the full funded amount.
Multiply by about 21 business days.
Some agreements offer discounts at 30, 60 or 90 days.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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