Calculator
How long will a holdback advance take to repay?
For advances repaid as a share of card sales: see the daily remittance and the time to repay at your sales volume.
The offer and your card sales
$
%
The “specified percentage”
$
Or the receipts the contract covers
What repayment looks like
- Total payback—
- Average remittance per business day—
- Time to repay at these sales—
- In months—
- If sales drop 30%the remittance falls, the term stretches—
Estimated APRAt your current sales pace—
Estimates for comparison only, using 21 business days a month and 52 weeks a year. Your contract's disclosures govern. Nothing you enter here is saved or sent.
How this calculator works
With a true holdback, you pay a share of sales, so a slow month means a smaller payment and a longer term.
The payback amount is fixed. The holdback percentage decides how fast you deliver it. Faster sales mean a shorter term and a higher estimated APR; slower sales stretch the term and lower it. That flexibility is what makes an advance a purchase of receivables rather than a loan.
Check the contract. Many “holdback” offers actually debit a fixed daily amount estimated from your sales. If yours does, use the daily payment calculator and read about reconciliation rights.
One application, many funders
Want real offers to run through this?
Apply once. We bring back offers from funders that fit and decode every one: total payback, dollar cost, payment and estimated APR.
- About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
- 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
- You approve every funder before your file goes out. No cost to apply, and no obligation to accept.