Find Me Funders
What the debit does to your week
A total repayment tells you what the deal costs. The remittance tells you whether you can survive it. This works out both.
Remittance → cash flow
Daily and weekly debits come out before anything else. This is the number that decides whether payroll clears.
- Each remittance
- —
- Per month
- —
- Share of monthly revenue
- Worst month it survives
- —
"Worst month it survives" is the revenue at which the remittance hits 20% of takings — the level most funders treat as the ceiling. Check it against your slowest month, not your average one.
Most businesses that get into trouble on an advance did not misjudge the cost. They misjudged the schedule. A 67,500 obligation is abstract; 375 leaving the account every banking morning is not.
This works out the remittance, what it adds up to monthly, and what share of revenue it consumes — then tells you the revenue floor below which the schedule stops working.
Banking days, not calendar days: a daily schedule debits roughly 21 to 22 times a month, and never on a weekend or a federal holiday.
The terms in this calculator
Questions about the remittance and cash flow calculator
How many payments are there in a month on a daily schedule?
Around 21 to 22. Daily remittance means banking days, so weekends and federal holidays are skipped. Multiplying a daily debit by 30 overstates the monthly outflow by roughly a third; multiplying by 21.67 is closer.
What share of revenue is too much to commit to a remittance?
There is no universal line, and anyone who gives you one is guessing. What matters is what is left after the debit in your worst week, not your average one. Put your slowest month's revenue into the calculator rather than your best and see whether the answer still works.
What is the difference between a fixed daily debit and a true percentage?
A true percentage of receipts moves with your sales; a fixed debit does not. Most agreements describe a specified percentage but collect a fixed estimated amount, with a reconciliation right that you have to exercise. Read which one yours is, because in a bad month they behave completely differently.
What happens if the debit bounces?
Typically an NSF fee from both your bank and the funder, a re-presentment, and in many agreements an event of default that is triggered by the failed debit itself rather than by any missed total. Check what your contract treats as a default before you get close to one.
Can I change the remittance amount if sales fall?
If your agreement has a reconciliation clause, it will describe a process — usually a written request with bank statements or processing reports attached, within a stated window. It is a right you have to use, in the form the contract specifies. It is rarely automatic.
Is weekly better than daily?
Weekly is easier to manage around, because you can time it against your own deposits instead of absorbing a hit every morning. The total cost is usually the same. What changes is how much of your float you need to hold.
Should I stop the debit if I cannot afford it?
Blocking a debit is treated as a default in most agreements, and often triggers remedies faster than a short payment would. Talk to the funder before the payment fails rather than after.
Does the calculator account for holidays?
It uses a standard banking-day month. Your own schedule will vary by a payment or two in months with a federal holiday, which matters most when you are already close to the edge.
What is the revenue floor the calculator shows?
The monthly revenue at which the remittance consumes the share you set as your limit. Below it, the schedule is taking more of your receipts than you said you could stand — which is the point at which most people start looking for a second position.