A share of your sales
Start with the revenue covered by your agreement and the portion directed toward repayment each month.
PLAN YOUR CAPITAL
Revenue-based financing calculator.
Connect your funding to your sales. See how revenue changes the payment pace and estimated payoff time.
WESTWIND CAPITALFirst-month payment10% of eligible sales · varies monthly
Financing costFixed financing fee + lender fees
Total commitmentContract remittance + separate fees
- Estimated payoff
- 15 months
- Revenue pattern
- Variable example
Your repayment timeline
Payments follow sales, capped at what is left to repay.
Months since funding · Based on your editable revenue projections.
Your total funding commitment
Total in USD- Capital received
- $100,000.00
- Fixed financing fee
- $10,000.00
- Additional lender fee
- $0.00
Revenue changes the payment pace. The fixed financing fee stays the same in this model. This is an editable illustration, not a revenue forecast.
Monthly revenue projections Variable example
An illustrative pattern of stronger and weaker months, not a forecast. Enter your own sales projections to model your business.
%
Scales the example’s ups and downs. Use 0% for no variation.
%
The underlying trend. Use a negative number for declining sales.
First 12 months
Your monthly edits stay fixed when the example settings change. After month 12, this pattern repeats each year, adjusted by 12 months of growth or decline per year.
What if your sales change?
Estimated months to repay. Scale every month’s projected sales 20% lower or higher, keeping the same revenue pattern, trend and repayment share. These are scenarios, not forecasts.
20% lower sales19 months$60,000.00 month 1 sales
Your estimate15 months$75,000.00 month 1 sales
20% higher sales13 months$90,000.00 month 1 sales
Repayment schedule
Monthly sales and payments in USD, rounded to cents. Payments are capped at the remaining remittance. Separate upfront fees are excluded. Projections stop after 120 months.
| Month | Eligible revenue | Payment | Balance |
|---|---|---|---|
| 1 | $75,000.00 | $7,500.00 | $102,500.00 |
| 2 | $67,500.00 | $6,750.00 | $95,750.00 |
| 3 | $82,500.00 | $8,250.00 | $87,500.00 |
| 4 | $71,250.00 | $7,125.00 | $80,375.00 |
| 5 | $86,250.00 | $8,625.00 | $71,750.00 |
| 6 | $63,750.00 | $6,375.00 | $65,375.00 |
| 7 | $78,750.00 | $7,875.00 | $57,500.00 |
| 8 | $69,000.00 | $6,900.00 | $50,600.00 |
| 9 | $81,000.00 | $8,100.00 | $42,500.00 |
| 10 | $90,000.00 | $9,000.00 | $33,500.00 |
| 11 | $66,000.00 | $6,600.00 | $26,900.00 |
| 12 | $69,000.00 | $6,900.00 | $20,000.00 |
| Full projection | $1,125,000.00 | $110,000.00 | $0.00 |
Month 1–12 of 15
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 a fixed fee and payments based on each month’s projected eligible revenue. The default monthly pattern is an editable illustration, not actual sales data or a forecast. Collections are grouped monthly, starting one month after funding. No minimum payment, maturity deadline or early-payoff discount is assumed. Input ranges are for planning, not eligibility.
A fixed financing fee
See the total fee in dollars. The fee stays fixed while your projected repayment timeline changes with sales.
Room for different outcomes
Compare lower, expected and higher sales to understand the effect on your time to repay.
YOUR QUESTIONS, ANSWERED
A little more
clarity.
Get to know the assumptions behind your estimate.
How does this RBF calculator work?
We add the fixed financing fee to the funding amount to find the total remittance. Each month, the revenue share you choose is applied to eligible sales. The final payment is capped at the remaining remittance. The projection stops when that amount is repaid or after 120 months.
What counts as eligible revenue?
Use the sales covered by the agreement you are reviewing. That may differ from all the revenue your business records. Your offer should explain which sales are included and how refunds, taxes, cancellations and other adjustments are handled.
Is the fixed financing fee an annual interest rate?
No. It is a one-time fee calculated from the funding amount. For example, a 10% fee on $100,000 adds $10,000 to the total remittance. This model does not compound that fee or calculate APR. Any additional lender fee you enter is shown separately.
What happens when revenue rises or falls?
The payment follows each month’s eligible revenue, subject to the amount still to repay. The calculator starts with an illustrative pattern of stronger and weaker months. Open “Monthly revenue projections” to adjust the variation, add a growth or decline trend, or enter your own sales for any of the first 12 months. Your monthly edits override the example and remain fixed when example settings change. The fixed financing fee stays the same.
How are sales projected beyond the first year?
The first 12 monthly projections repeat as an annual pattern. Each later year is scaled by another 12 months of the growth or decline rate you enter. At 0% growth, month 13 repeats month 1, month 14 repeats month 2, and so on. The comparison scenarios scale every monthly projection 20% lower or higher. These assumptions are editable examples, not a forecast of your business sales.
Why might there be no payoff date?
Zero sales, small payments or sustained revenue declines may leave a balance after the 120-month projection. We show that remaining balance rather than inventing a payoff date. Your actual agreement may have a maturity date or minimum remittance that this model does not include.
Does every RBF agreement work this way?
No. This calculator models a fixed fee with repayments linked to eligible sales. Fixed installments, minimum remittances, maturity dates, reconciliation rules and collection timing can vary by agreement. It is a planning estimate, not a quote or an approval.