Calculator
Enter the advance as offered and your real margins. See net proceeds, the total you repay, the monthly payment demand, and the cash left at normal sales and in two slower months.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
Every number above comes from these lines, so you can check the tool by hand:
The test is run on gross profit, not on sales. A payment is not paid out of revenue; it is paid out of what is left after the cost of the goods or services you sold. That is why a payment that looks small next to sales can still fail. Twenty payment days is a round planning figure; most months have 21 or 22 business days, so set it higher for a stricter test.
A business is offered a $100,000 advance with $3,000 withheld at funding and a 1.30 factor rate, paid at $500 every business day. It sells $50,000 a month at a 40% gross margin, with $12,000 of fixed monthly costs and no other debt.
| Item | Amount |
|---|---|
| Net proceeds | $97,000 |
| Total repayment ($100,000 x 1.30) | $130,000 |
| Cost vs net cash | $33,000 ($1.34 per $1 received) |
| Number of payments | 260 business days |
| Monthly payment demand ($500 x 20) | $10,000 |
| Case | Sales | Gross profit | Cash remaining |
|---|---|---|---|
| Base month | $50,000 | $20,000 | -$2,000 |
| Sales down 15% | $42,500 | $17,000 | -$5,000 |
| Sales down 30% | $35,000 | $14,000 | -$8,000 |
The base month already comes out $2,000 short: $20,000 of gross profit, less $12,000 fixed costs, less $10,000 of payments. A 15% slower month deepens that to $5,000. The $10,000 payment is only 20% of sales, which sounds manageable, but it is half of gross profit. This offer does not fit this business as structured. A smaller amount, a weekly schedule over a longer term, or a different product would have to replace it.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
It fits an owner holding an offer, or deciding how much to request, who knows roughly what the business sells and keeps. It is most useful for businesses with steady card or deposit sales, where a fixed daily debit meets uneven weeks.
It is not the right first step when the money will pay off an existing balance; start with the MCA refinance and reverse consolidation pages, because the payment you remove matters as much as the one you add. If the base case is already negative, do not look for a larger advance to cover the gap. Fix the cost side first, or wait until sales recover. If the business sees a true percentage holdback that falls with sales, read how reconciliation works before treating the payment as fixed.
Requirements by tier are on the funding requirements page. No tax returns are needed for a typical first review; full financials are usually requested only above $250,000.
If every case stays positive, compare cost across offers in the offer comparison calculator, then test the weekly timing in the payment burden calculator. When the numbers hold, check what you qualify for; it starts with a soft credit pull.
A factor rate is not an interest rate, and converting it needs the dated payment schedule and fees. This page shows cost in dollars and per dollar received. The factor rate to APR guide explains the conversion.
No. This is arithmetic on numbers you enter. A funder reviews your statements, credit and history, and the result here does not predict a decision.
Rent, base payroll, insurance, software, utilities and other costs that do not move with sales. Leave out cost of goods sold, which the gross margin already covers, and leave out debt payments, which have their own field.
Because the payment usually stays the same in a slow month while gross profit drops. Two steps show how quickly the cushion goes. Use your own slowest month if you know it.
Enter the total repayment in its own field. When it is above 0 it replaces funded amount times factor rate.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
