Capital Deal Desk — Lending & Funding Calculators

Deal Inputs

Advance Amount ($)

Factor Rate

Term (months)

Payment Frequency

Payments / Month

Fees & Costs

Origination Fee (%)

Other Fees ($)

Commission (points %)

Cost of Capital (% annual)

Expected Default / Loss Rate (%)

Deal EconomicsTotal Payback (RTR)—
Payment Amount—
Number of Payments—
Net Funded to Merchant (after fees)—
Gross Margin (payback − advance)—
+ Fee Income—
− Commission Paid—
− Cost of Capital—
− Expected Losses—
Net Profit—
ROI on Advance—
Annualized Return—
Effective APR-Equivalent (merchant side)—
APR-equivalent is an approximation for comparison only (simple annualization of total cost over the term against net funded amount). MCA purchases of future receivables are not loans.

RBF Inputs

Advance Amount ($)

Payback Cap (multiple)

Revenue Share (%)

Merchant Monthly Revenue ($)

Revenue Growth (%/mo)

Fees & Costs

Origination Fee (%)

Commission (points %)

Cost of Capital (% annual)

Expected Loss Rate (%)

RBF Economics

Total Payback (cap × advance)—

First Month Remittance—

Estimated Months to Repay—

+ Fee Income—

Net Profit—

ROI on Advance—

Annualized Return—

Effective APR-Equivalent (merchant side)—

Unlike an MCA's fixed payment, RBF remittance floats with revenue — so the term is estimated by simulating the revenue share against the payback cap month by month (with growth applied). Profit nets out commission, cost of capital over the estimated term, and expected losses.

Line of Credit Inputs

Credit Limit ($)

Expected Avg Utilization (%)

Interest Rate (% APR)

Origination Fee (% of limit)

Monthly Maintenance Fee ($)

Analysis Period (months)

Cost of Capital (% annual)

Expected Loss Rate (%)

LOC Economics

Avg Drawn Balance—

Monthly Interest on Avg Balance—

Interest Income (period)—

+ Fee Income (origination + maintenance)—

Total Revenue—

− Cost of Capital—

− Expected Losses—

Net Profit—

Return on Avg Drawn (period)—

Annualized Yield—

Revolver economics are driven by utilization — interest accrues only on the drawn balance, while cost of capital is also modeled on the drawn balance. Raise utilization to see yields improve.

Term Loan Inputs

Principal ($)

Interest Rate (% APR)

Term (months)

Origination Fee (%)

Doc / Other Fees ($)

Cost of Capital (% annual)

Expected Loss Rate (%)

Term Loan Economics

Monthly Payment—

Total Interest—

+ Fee Income—

Borrower's Total Cost—

Avg Outstanding Balance—

− Cost of Capital—

− Expected Losses—

Net Profit—

ROI on Principal—

Annualized Return—

Standard amortization — payment computed from rate and term, cost of capital charged on the true average outstanding balance across the amortization schedule (not the full principal).

Equipment Financing Inputs

Equipment Cost ($)

Down Payment (%)

Interest Rate (% APR)

Term (months)

Residual / Balloon (% of cost)

Doc / Other Fees ($)

Cost of Capital (% annual)

Expected Loss Rate (%)

Equipment Deal Economics

Amount Financed—

Monthly Payment—

Residual Due at End—

Total of Payments (incl. residual)—

Interest Income—

+ Fee Income—

− Cost of Capital—

− Expected Losses—

Net Profit—

ROI on Financed Amount—

Annualized Return—

Payment amortizes the financed amount down to the residual/balloon over the term (set residual to 0 for a fully amortizing deal). The collateral value backing the deal is why loss rates here typically run lower than unsecured products.

Credit Facility Inputs

Facility Size ($)

Expected Utilization (%)

Interest Rate on Drawn (% APR)

Unused Line Fee (% annual)

Origination Fee (%)

Exit / Termination Fee (%)

Facility Term (months)

Cost of Capital (% annual)

Expected Loss Rate (%)

Facility Economics

Avg Drawn—

Avg Undrawn—

Interest Income—

+ Unused Line Fee Income—

+ Origination & Exit Fees—

Total Revenue—

− Cost of Capital—

− Expected Losses—

Net Profit—

Return on Avg Drawn (period)—

Annualized Yield on Facility—

Structure any bespoke deal: interest on drawn capital, a commitment fee on the undrawn portion, plus origination and exit fees on the full facility. Tune the utilization to stress-test whether the facility pays for the capital you're committing.

Scenario Comparison

Edit any input — results update live. Best net profit and best annualized return are highlighted in green. "Pull from Deal tab" copies the current Deal & Profit inputs into that scenario. Payments assume the daily schedule from Settings.

Commission Inputs

Funded Amount ($)

Sell Rate (factor to merchant)

Buy Rate (funder's base factor)

Upfront Points (% of funded)

PSF / Broker Fee to Merchant (%)

Rep Split of Commission (%)

Spread commission = (sell − buy) × funded amount. Upfront points are paid by the funder on funding; PSF is charged to the merchant. Rep split shows the inside rep's share of total ISO commission.

Commission BreakdownPayback @ Sell Rate—
Payback @ Buy Rate—
Spread Commission—
Upfront Points—
PSF Income—
Total ISO / Broker Commission—
Commission as % of Funded—
Rep's Share—
House Share—

Syndication Inputs

Total Advance ($)

Factor Rate

Syndicate Participation (%)

Term (months)

Fees Charged to Syndicate

Management Fee (% of collections)

Upfront Syndication Fee (% of invested)

Expected Default / Loss Rate (%)

Syndicate Partner Returns

Capital Invested—

+ Upfront Fee Paid—

Total Cash Out—

Share of Payback (gross)—

− Management Fee—

− Expected Losses—

Net Cash Back to Syndicate—

Syndicate Net Profit—

ROI—

Annualized Return—

Funder Side (on syndicated portion)

Mgmt Fee + Upfront Fee Income—

Merchant Profile

Avg Monthly Revenue ($)

Avg Daily Bank Balance ($)

Time in Business (years)

Owner FICO

Existing MCA Positions

NSFs / Month

Negative Days / Month

Industry Risk

Proposed Deal

Requested Advance ($)

Proposed Term (months)

Risk Assessment

—

Composite Score: — / 100

Suggested Factor Rate—

Max Recommended Advance—

Requested vs Max—

Est. Payment Load (% of monthly revenue)—

Recommendation—

Factor Scores

Weights, tier thresholds, factor rates and advance multiples are all editable in Settings. Payment load uses the tier's suggested factor rate over the proposed term.

Existing Positions

Merchant Avg Monthly Revenue ($)

Proposed New Position

Advance ($)

Factor Rate

Term (months)

Set the proposed advance to 0 to analyze the merchant's current stack only.

Debt Service Analysis

Positions—

Total Balance Outstanding—

Existing Monthly Debt Service—

Existing Payment Load—

New Position Monthly Payment—

Combined Monthly Debt Service—

Combined Payment Load—

Max New Advance @ Load Ceiling—

Verdict—

Payment load thresholds come from the Settings benchmarks (healthy at or below the "full score" load; the ceiling is the "zero score" load). Max new advance is the largest funding that keeps the combined load at or below the ceiling for the proposed factor and term.

Early Payoff

Original Payback (RTR) ($)

Collected So Far ($)

Early Payoff Discount (% of remaining)

Remaining Balance—
Discount—
Payoff Amount—

Renewal / Refinance

Current Balance Owed ($)

New Advance ($)

New Factor Rate

Origination Fee (%)

New Payback (RTR)—
− Old Balance Netted Out—
− Origination Fee—
Net New Cash to Merchant—
Effective Cost on New Cash—

"Effective cost on new cash" shows the total new payback vs the actual fresh cash delivered — useful to see the true cost of a renewal where old balance is rolled in (double-dip check).

Default Deal Parameters

Default Factor Rate

Default Term (months)

Payments / Month (daily)

Origination Fee (%)

Commission Points (%)

Cost of Capital (% annual)

Expected Loss Rate (%)

Mgmt Fee — Syndication (%)

Early Payoff Discount (%)

Other Product Defaults

RBF Payback Cap (×)

RBF Revenue Share (%)

LOC Rate (% APR)

Term Loan Rate (% APR)

Equipment Rate (% APR)

Facility Rate (% APR)

Unused Line Fee (% annual)

Risk Tier Rules

Tier	Min Score	Suggested Factor	Max Advance (× monthly rev)
A
B
C
D	below C

Risk Factor Weights

Relative importance of each underwriting factor. They are normalized automatically, so they don't need to total 100.

Factor	Weight
Owner FICO
Time in Business
Monthly Revenue
Avg Daily Balance
NSFs / Month
Negative Days
Existing Positions
Payment Load Ratio
Industry Risk

Scoring Benchmarks

Revenue for full score ($/mo)

Balance for full score ($)

Payment load: full score at or below (%)

Payment load: zero score at or above (%)

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