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What the daily debit actually takes

A daily-ACH advance is charged before you earn a dollar that day. See the real daily pull, the share of revenue it eats, and how long it lasts, against your own numbers.

How the money flows
Everything up to the wire$0
Financing partnersPay on funded deals
Card issuersPer approved account, if paid
What we are paid is printed on your offer, in dollars, before you accept.
Offer order follows the cost math we publish on Paid in the open.
The daily squeeze
$80,000
1.35
9 mo
$

Deposits into the account the debit hits.

Share of each day's revenue
20.0%

Taken by the debit before you have covered payroll, rent, or supplies.

Daily debit
$571/business day
Weekly pull
$2,855/week
Total payback
$108,000
True APR
84.12%
Manageable, but watch it if a slow week hits.
Ease the daily pull

A fixed daily debit is charged before you earn a dollar that day. When it climbs past a fifth of daily deposits, a stack is forming. Estimates only, from the numbers you enter.

Common questions

Daily debits, in plain terms

How does a daily ACH debit affect my cash flow?

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A fixed amount is pulled from your bank account every business day, before you have earned anything that day. When that debit climbs past roughly a fifth of your daily deposits, it starts to squeeze payroll, rent, and supplier payments, which is how businesses end up stacking a second advance to cover the first.

How much of my revenue will the advance take?

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Divide the daily debit by your average daily deposits. This tool does it for you: enter the funded amount, factor, term, and your monthly revenue, and it shows the share of each day that goes straight to the advance, plus the weekly pull and the true APR.

What if the daily payment is too high?

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A longer term lowers the daily debit for the same money, and a consolidation can replace several daily pulls with one smaller payment. Both trade a lower daily strain for total cost, which is the comparison an advisor helps you make.