Calculator
Payment Fit Calculator
Work out what a facility's periodic payment would be, what share of your revenue it consumes, and whether it stays comfortable in your slowest month.
The short answer
A funding payment fits when it stays comfortable in a slow month, not just an average one. Divide the periodic payment by revenue in your slowest recent month: under roughly 10% is generally comfortable, and above roughly 20% leaves little room for a bad week.
Payment per week
$1,788.46
Share of a slow month
19.4%
Total per month
$7,750
Total you repay
$93,000
Workable, watch it
Manageable, but a genuinely bad month would be felt. Consider a longer term or a smaller amount.
Key takeaways
- Test the payment against your slowest month, not your average.
- Under about 10% of revenue is generally comfortable.
- Above about 20% leaves little margin for a bad week.
- If it only works in your best month, the term is too short or the amount too large.
The test that matters
Most people size a facility against their average month. Averages are exactly the wrong benchmark, because a payment is not due on average — it is due every week, including the bad ones.
Run the payment against the slowest month in your recent statements. If it is comfortable there, it is comfortable. If it only works when things are going well, the structure is wrong regardless of the price.
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $10,000+ in monthly revenue and 6+ months in business is the gate — a decision the same day, funding in as little as 24–48 hours.
4.8★ from 579 reviews · A+ BBB accredited · $250M+ funded
Frequently asked questions
What percentage of revenue should go to a funding payment?
As a rough guide, under 10% of revenue in a slow month is comfortable and above 20% is tight. The right number depends on your margins — a business at 8% net margin has far less room than one at 30%.
Keep reading
These calculators are planning tools using standard industry conventions. They are estimates, not quotes, and are not an offer or commitment to lend. Actual terms depend on a review of your business.
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