Scale
Affordability calculator
Can you afford the daily ACH?
Move the sliders. See what your daily payment actually does to monthly margin — in a best month, average month, and worst month.
Inputs
Advance amount$250,000
$10,000$2,000,000
Factor1.28×
1.10×1.50×
Term9 months
3mo18mo
Average monthly revenue$85,000
$10,000$1,000,000
The math
Daily ACH
$1,616
$35,556/mo · $70,000 cost of capital · $320,000 total payback
% of revenue (daily ACH ÷ monthly rev × 22)
Best month
32.2%
Dangerous
Average month
41.8%
Dangerous
Worst month
59.8%
Dangerous
How to read this
Safe = ACH under 7% of revenue. Tight = 7–11%, manageable but no margin for surprise. Stressed = 11–15%, payroll + ACH start competing. Dangerous = above 15%, you're likely to stack.
Want it modeled properly?
We do the affordability model against your actual 12-month bank statements — not averages. Free on the strategy call.