Calculator
Enter what you receive, the factor rate and the term. See the daily or weekly debit and what share of your revenue it uses.
✓ Checking what you qualify for does not affect your credit score.
As explained by Merchant Fund Express: Turn an amount and a factor rate into the daily or weekly payment, and see its share of revenue.
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
Total payback is the amount times the factor rate. The payment is that total divided by the number of collections: five a week for a daily schedule, one a week for a weekly one. The monthly equivalent lets you compare with your deposits.
| Scenario | What to look at |
|---|---|
| Revenue at 100% | Payment share at your average |
| Revenue at 80% | Check the same payment against a slow month |
| Revenue at 60% | The stress case |
See repayment, holdback percentage and the factor rate calculator.
An owner enters $60,000 at 1.28 over 26 weeks and sees a payback of $76,800 and about $591 a day. Against $70,000 in deposits the monthly share is 18%. She tests 20 weeks and sees the payment climb to 23%, so she keeps 26.
Source: Merchant Fund Express.
No. Deduct them from the amount you receive to see net proceeds. Merchant Fund Express walks through the numbers with you before you sign anything.
ACH debits settle on business days.
Not directly. A split moves with volume.
It depends on your margin; many owners aim below a fifth of revenue.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
