Calculator
Enter your monthly invoiced sales and how many days customers take to pay now and at the slower pace. See the cash tied up, a dated invoice example and, in plain words, whether factoring or working capital fits.
✓ 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.
When customers stretch payment, you have not lost the sale, but the cash arrives later while payroll, rent and suppliers do not wait. The amount stuck is roughly one day of invoiced sales for every extra day customers take. A business that bills $90,000 a month and sees collections slip from 35 to 55 days has about $60,000 less cash on hand, with no change in sales at all.
This tool fits businesses that bill on terms: contractors, staffing firms, wholesalers, medical and professional practices, regional carriers. It does not fit businesses paid at the register; their pressure shows up in deposits, not receivables, and the payment burden calculator is the better test.
Assumptions: sales are spread evenly through the month, every customer slows by the same amount, and none of the invoices go unpaid. A 30-day month is used so the arithmetic is easy to check by hand. If one large customer causes the slowdown, run the tool with that customer's monthly billing alone; the answer will be more accurate than an average across everyone.
A staffing agency invoices $90,000 a month to business clients. Clients used to pay in 35 days; two of the larger ones have moved to 55.
| Step | Result |
|---|---|
| Sales per day | $90,000 / 30 = $3,000 |
| Extra days to collect | 55 - 35 = 20 |
| Cash tied up | $3,000 x 20 = $60,000 |
| Receivables outstanding | $105,000 now, $165,000 at 55 days |
| $18,000 invoice dated Nov 2, 2026 | Paid Dec 7, 2026 at 35 days; Dec 27, 2026 at 55 days |
Payroll for the weeks in between still runs every Friday. The agency did not lose $60,000; it is lending that amount to its clients for 20 more days. The question is whether to wait it out from reserves, finance specific invoices, or bridge the gap with working capital that is repaid from future deposits.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
A funder advances cash against specific unpaid invoices owed by businesses or agencies, and is repaid when those customers pay. It fits when the gap comes back every month and your customers have solid payment histories. See invoice factoring.
A lump sum read on your bank deposits, repaid from future sales. It fits a temporary gap: one slow client, one season. The published floor is 6+ months in business, a 600+ FICO and $60,000 in verifiable revenue. See working capital.
Draw only what the delay ties up and repay as invoices clear. The published tier needs 3+ years in business, a 650+ FICO and $25,000 a month in revenue. See business lines of credit.
When none of them is the right first move: if the gap is small (our funding starts at $25,000), if the delay is caused by late billing on your side, or if customers are mostly consumers. Billing the day work is done, asking for deposits on new jobs and shortening terms on new contracts cost nothing. For more on the options, read funding while waiting on receivables and factoring vs a cash advance.
For working capital or a line of credit the core is your most recent business bank statements, as PDFs downloaded from the bank, plus the business and owner details on the application. Deposits that are transfers between your own accounts are backed out of revenue, so a statement that shows client payments arriving on a steady rhythm reads best; see what deposits count as revenue. Keep an aging list of open invoices by customer ready as well, because it explains a dip in deposits better than any note can. Check every item with the document readiness checklist.
Size the gap here, test any payment against your weekly cash in the payment burden calculator, then check what you qualify for with a soft credit pull. The application takes about 5 minutes and decisions come the same day on complete files.
It turns monthly billing into a daily rate so each extra day of collection has a dollar value. Using 30 keeps the math easy to check; a 31-day month changes the answer by about 3%.
It uses the same idea. DSO is usually computed from your receivables balance and sales; here you enter the days directly and the tool works out the balance.
Usually not. Factoring is built on invoices owed by businesses or government agencies, whose payment history the funder can review.
Not automatically. Cover the part your reserves cannot, and size any payment to your slowest weeks. Working on the cause, such as billing faster or asking for deposits, can shrink the gap at no cost.
Construction files follow their own published rule: 5 years in business, $500,000+ in monthly revenue, 10+ deposits a month and a commercial location. We do not promise funding for residential remodeling. Contractors can also read the net-60 invoice gap guide.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
