How many extra sales does this capital have to make

Work out the breakeven. Take the total you repay, divide it by the gross profit one typical sale leaves you, and you have the number of extra sales the capital has to create before it has paid for itself. If your plan does not produce that many additional sales, the repayment comes out of revenue the business was already earning, which is how borrowing to grow turns into borrowing to survive.

Anything with a short, countable path back to revenue: inventory you have already sold through before, a piece of equipment that lifts capacity, a hire whose output you can measure, a marketing channel with a known return. The common thread is that you can name the extra sales in advance. Capital used to cover a gap you cannot explain has no breakeven, so there is nothing to check it against.

Directly. A factor is the cost of the capital expressed as cents on the dollar, so 1.35 means 35 cents of cost on every dollar borrowed. Raising the factor raises the total you repay, and every extra dollar of repayment has to come from another sale at your gross margin. A thin margin multiplies that effect, because it takes more revenue to produce each dollar of gross profit.

Usually yes. Undrawn room on a line or a card is capital you have already been approved for, and drawing it adds no new position to your file; the credit utilization calculator prices that room against the thirty percent line most underwriting boxes read.