The cash you receive
A fee deducted at funding reduces the money available to your business without reducing the scheduled remittance.
PLAN YOUR CAPITAL
Capital Advance calculator.
Turn your factor rate into real dollars. See the payment rhythm and full cost before you compare offers.
WESTWIND CAPITALWeekly payment26 payments over 26 weeks
Financing costFixed financing cost + lender fees
Total paidRemittances + any fee paid separately
- Factor rate
- 1.25×
- Scheduled duration
- 26 weeks
Remaining remittance
Explore how your financing changes over time.
Payments since funding · Balances shown every 3 payments and at the end of the projection.
Where your money goes
Total in USD- Capital received
- $100,000.00
- Fixed financing cost
- $25,000.00
- Lender fee
- $0.00
Contract remittance: $125,000.00. One payment each week. A factor rate is not an interest rate or APR.
Repayment schedule
Payment numbers, not calendar dates. The final payment adjusts for cents rounding. Any fee paid separately at funding is excluded.
| Payment | Payment | Balance |
|---|---|---|
| 1 | $4,807.69 | $120,192.31 |
| 2 | $4,807.69 | $115,384.62 |
| 3 | $4,807.69 | $110,576.93 |
| 4 | $4,807.69 | $105,769.24 |
| 5 | $4,807.69 | $100,961.55 |
| 6 | $4,807.69 | $96,153.86 |
| 7 | $4,807.69 | $91,346.17 |
| 8 | $4,807.69 | $86,538.48 |
| 9 | $4,807.69 | $81,730.79 |
| 10 | $4,807.69 | $76,923.10 |
| 11 | $4,807.69 | $72,115.41 |
| 12 | $4,807.69 | $67,307.72 |
| Full projection | $125,000.00 | $0.00 |
Payment 1–12 of 26
Put your plan into motion.
Explore funding that fits your business.
Illustrative estimate, not an offer. Actual terms depend on your business and lender.
Models fixed scheduled remittances. Total remittance = advance × factor rate. A factor rate is not an interest rate or APR. No early-payoff discount, reconciliation, holiday shift or missed payment is modeled. For payments that change with sales, use the RBF calculator. Input ranges are for planning, not eligibility.
Your payment rhythm
Switch between weekly and weekday payments to see how the same total fits into your cash flow.
The full fixed cost
Separate the cost included in your factor rate from any additional lender fees in the offer.
YOUR QUESTIONS, ANSWERED
A little more
clarity.
Get to know the assumptions behind your estimate.
How does a factor rate work?
The advance is multiplied by the factor rate to find the total scheduled remittance. For example, $100,000 at a 1.25 factor means $125,000 in scheduled remittances, before separate lender fees. The $25,000 difference is the fixed financing cost in this model.
Is a factor rate the same as an interest rate?
No. A factor rate sets a total remittance amount. It is not an annual interest rate or APR, and it does not describe how quickly you make payments. Compare the amount received, all fees, the payment schedule and actual contract terms when reviewing offers.
How are weekday and weekly payments calculated?
We divide the total remittance by the number of scheduled payments. Weekly means one payment per week. Every weekday means five debits per week. This planning model does not skip bank holidays or assign calendar dates. The last payment is adjusted for cents rounding.
What if my payments change with sales?
Use the RBF calculator to model a percentage of eligible revenue. This Capital Advance calculator models fixed scheduled remittances. Reconciliation rights, minimum payments and any adjustments depend on the actual agreement and are not assumed here.
Will paying early reduce the cost?
This calculator does not assume an early-payoff discount. A factor-based total does not automatically fall when you pay faster. Check your agreement or ask an advisor about the payoff terms for a specific offer.
Is this a funding offer?
No. All figures are planning estimates based on the inputs you choose. They are not live pricing, an approval or a funding offer. Using this calculator does not trigger a credit check.