Can your cash flow handle the daily debit?
Enter your average monthly revenue and the advance debit. See what it takes out of your sales each period, and whether that is comfortable, tight, or risky. An estimate, not an offer.
Share of your sales going to this debit
0%
of the business-day sales you bring in.
VerdictComfortable, tight, or risky
Revenue per period
What you earn each business day, on average.
The debit
Taken every business day.
Left after the debit
Per period, before staff, rent, or suppliers.
This is an estimate based on the numbers you entered, not an offer of credit or a commitment to fund.
Estimates only. Actual terms vary by underwriting. No credit pull to start.
No pressure
Nothing to decide today. When you want a real number for your business, it is a two-minute review with no credit pull.
If the debit looks heavy
Fast and expensive is a real trade-off. If the daily debit is more than you want, let us look at alternatives with you. A line of credit or a longer structure may leave more cash in the business.
This looks like a consolidation case
Stacked daily payments are usually the problem, not the business. Consolidation can lower what leaves your account each day. See if it fits, no credit pull to start.
Honest note: lower payment, more breathing room. Not necessarily less total cost.
The daily debit, explained
As a rule of thumb, under about 8% of the sales you earn in that same period is comfortable, 8% to 15% is tight, and more than 15% is risky. The right number depends on your margins, so treat this as a starting point, not a limit.
No. An advance is not a loan and has no interest rate. Its price is a fixed factor rate set the day you sign, and the daily or weekly debit is just how the purchased amount is collected over time.
That is tight, and a common reason advances spiral. It often means a longer term, a smaller amount, or consolidating positions would leave more cash in the business. A quick conversation can show you the math both ways.
No. This is a simple calculation from the numbers you enter. There is no credit pull to start, and nothing here touches your score.
No. This is an estimate based on the numbers you entered, not an offer of credit or a commitment to fund. Actual terms vary by underwriting.