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Cash advance cost estimator

Watch a cash advance multiplier become real dollars: total repayment and the cost of capital.

Not saved.

Funding amount$50,000
Cost multiplier1.23x
Cost of capital$11,500
Estimated total repayment$61,500
Estimated payment~$296 / selling day
Estimated term At 12.8% of sales; more time lowers the shareAbout 8 months
Estimated annualized cost~69% / yr

Estimate only. A partner's written offer controls.

Estimate details and sources

Actual amounts and terms are set by independent funding partners. Your offer will depend on revenue, time in business, and other factors. The ranges shown are industry market data as of Jul 2026, not OpenQuote partner pricing. Ask for every partner fee in writing.

  1. KBRA, Fora Financial Asset Securitization 2024-1 (Aug 2024): weighted average factor 1.34x, 13.6 month original term, on a funded portfolio.
  2. KBRA, KCG Securitization II Series 2026-1 (Mar 2026): weighted average factor 1.32x, 13.6 month original term.
  3. DBRS Morningstar, BasePoint MCA Securitization 2023-1 (Dec 2023): portfolio average 1.32x; eligibility floor 1.265x.
  4. New York Attorney General v. Yellowstone Capital (filed 2024, judgment 2025): contract holdback tables from 10 to 15 percent up to 49 percent on stacked positions.
  5. People v. Richmond Capital Group (NY, affirmed 2026) and Fleetwood Services v. Ram Capital (2d Cir 2023): contract factors around 1.5 on short predatory terms.

Educational market data with full citations on file. Not OpenQuote partner pricing, and not a quote.

Read the full breakdown

A working capital advance uses a fixed multiplier to turn the amount advanced into one written total. Payment timing changes the pace, not that total. Nothing you enter here is collected.

How to read this estimate

Multiply the funding amount by the multiplier to get the estimated total repayment. The difference between that total and the amount received is the estimated cost of capital.

A percentage-of-sales remittance changes with revenue, while fixed daily or weekly payments do not. Market bands are general industry data, not an OpenQuote quote.

This educational estimate cannot predict approval or partner pricing. Confirm every final number and fee in the partner's written agreement.

Understand working capital advances