Comparison
Payment frequency is the most under-weighted term in a funding agreement. Two offers can carry identical total cost and one of them quietly makes the business harder to run.
✓ Checking what you qualify for does not affect your credit score.
Short answer: it depends on the product and the funder, and the schedule is written into each offer. In the funder guidelines we have on file, the term loan is repaid weekly. Revenue-based advances are often collected daily, but some funders offer a weekly schedule, and a line of credit is repaid on the terms of the line. When you apply, tell us you want weekly payments and we will show you which offers in your file allow it.
Illustrative only. Enter the total amount to be repaid and the term from an offer; this is not an approval or an offer.
Not on your own. The payment schedule is part of your existing agreement, so only that funder can change it, and many won't. What we can do is review your file and see whether a new offer with a lower payment on a weekly schedule fits alongside or in place of what you have now. Nothing is decided until a funder reviews the file, and any change has to respect the terms of your current agreement.
The short answer: Weekly wins on almost every file, and it compounds — because daily debits push down your average daily balance, and average daily balance is the second most common reason applications get declined.
Underwriting looks at average daily balance against monthly revenue, targeting roughly 10%. Twenty-one debits a month drag that ratio down mechanically, independent of how well the business is actually performing.
So a daily-debit product does not only strain cash flow this month. It degrades the file you will present the next time you need capital, which is how businesses end up stacking advances instead of graduating out of them.
This is the core reason to refinance. See how a buyout into weekly payments works →
A schedule quoted as "$500 a day" or "$2,500 a week" sounds identical over a year. Month to month, it is not. Bank holidays and the number of Fridays move the totals in different directions, and that is what you feel when rent and payroll are due.
| Month (2026) | Bank business days | Daily at $500 | Fridays | Weekly at $2,500 (Fridays) |
|---|---|---|---|---|
| October | 21 (Columbus Day off) | $10,500 | 5 | $12,500 |
| November | 19 (Veterans Day and Thanksgiving off) | $9,500 | 4 | $10,000 |
| December | 22 (Christmas off) | $11,000 | 4 (Christmas falls on a Friday) | $10,000, with one debit moved to the next business day |
Illustrative only. ACH debits do not settle on Federal Reserve holidays, so a scheduled debit usually lands on the next business day. Your contract sets the actual timing.
Pull two recent statements and mark the days your largest deposits arrive and the days your biggest bills leave. If most revenue arrives early in the week, a Friday debit lands on a thinner balance. If deposits are spread evenly, a daily debit may barely show. Negative days count against future approvals, so the schedule that keeps the balance above zero is the cheaper one in practice.
Not every offer comes with a choice. Revenue-based advances are most often daily; bank-style term loans in the guidelines on file are weekly. Ask which schedules are available before you compare. If you already have a daily advance and want weekly payments, a refinance or buyout is the usual route. Use the offer comparison worksheet to see payment pressure as a share of deposits.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity — not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
Because repayment is tied to receivables as they arrive, so collection is continuous rather than scheduled.
For cash flow, almost always. Compare total payback as well, but frequency is the term people regret ignoring.
Yes, through a refinance or buyout. A balance of $100,000 or less can often be bought out.
Not directly, but they lower your average daily balance, which affects future funding decisions.
Weekly on the term loan. Weekly or monthly on the line of credit.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
