Daily Remit Calculator
See what your working capital advance or MCA payment looks like — daily, weekly, total — before you sign anything. No app required, no email gate.
Your numbers
What you'll pay
Working capital advances use factor rates, not APRs. The "implied APR" shown is computed for comparison only — it assumes daily compounding equivalent based on total cost ÷ advance ÷ term. Real APRs require accounting for prepayment, holdbacks, and lockbox arrangements. Always verify with your funder's actual disclosure (in CA, NY, UT, VA, and CT this disclosure is required by law).
Pricing notes
A "factor rate" tells you the total amount you'll pay back, expressed as a multiple of the advance. $100K @ 1.32 factor = $132K total payback. The factor rate is fixed at signing — it doesn't go down if you pay early, and it doesn't go up if you pay late. (Some funders offer a discount for early payoff, ask.)
What drives the factor rate you'll see:
- Time in business. Under 2 years often gets 1.40+; 5+ years can see 1.20s.
- Monthly revenue stability. Funders look at 4–6 months of bank statements.
- Existing positions. Stacked advances (2nd, 3rd position) cost more.
- Industry. Trucking, restaurants, construction often see better rates than retail-cyclical or seasonal businesses.
- FICO is a tiebreaker, not a gate. 550+ usually clears the funder shortlist.
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This tool helps three audiences. Pick the one that's you.
I'm a small business owner
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