This merchant cash advance remittance estimator from Summitreach Capital, a small-business funding broker in Jacksonville, North Carolina, turns an advance offer's amount and factor rate into total payback and dollar cost, and estimates business days to remit from a holdback and average daily card sales. The page shows how to work out daily and weekly debits by hand. A merchant cash advance is not a loan, and results are illustrative arithmetic only.
What the calculator does
Enter the advance amount and the factor rate from a funder's offer to see the total the funder will collect and the cost in dollars. Add the holdback percentage and your average daily card sales to estimate how many business days collection would take. A merchant cash advance is not a loan; it is a purchase of future receipts, and this tool does arithmetic on the offer you have, nothing more.
Daily or weekly: same total, different timing
Many advances with a fixed remittance offer a choice between a daily debit and a weekly one. The total collected is the same; what changes is when the money leaves your account.
- Weekly equivalent of a daily debit = daily amount × number of business days debited per week (usually 5).
- Daily equivalent of a weekly debit = weekly amount ÷ the same number of days.
- Weeks to finish = total payback ÷ weekly amount.
A daily debit follows your sales more closely, so slow days are less of a shock, but it never pauses. A weekly debit gives you the week's sales to work with, then takes a larger single amount; if that day lands before a deposit clears, the account can run short. Pick the schedule that matches when your money actually comes in.
Which number goes in which box
| Box | Where to find it | Notes |
|---|---|---|
| Advance amount | The amount the funder pays you | Use the net amount after fees for the truest cost |
| Factor rate | The offer or agreement | If it is missing, divide the total to be collected by the advance |
| Holdback | The agreement, as a percentage of receipts | Leave blank for a fixed remittance |
| Average daily card sales | Your card processing statements | Use a typical month, not your best one |
Working out a fixed remittance
For a fixed daily or weekly debit, there is no holdback to enter. Take the total payback from the calculator and divide it by the daily or weekly amount in the offer to see how many business days or weeks collection lasts. Compare that with how long the money will actually help the business.
What the result leaves out
- Fees deducted at funding or charged later.
- Reconciliation: if your sales fall, the agreement may let you ask for the remittance to be adjusted. Check how.
- Default terms, personal guarantees and stacking restrictions, which matter as much as the price.
Read how merchant cash advances work before you sign anything, and compare the dollar cost with a loan or line of credit for the same need. More tools are on the guides page.
By Summitreach Capital ยท Updated