What are your stacked advances costing you each week?
Enter each advance as it debits today. The calculator shows what leaves your account every week and month, and what a 30–50% weekly reduction through Reverse Consolidation would free up. Dollars only. Nothing here is an offer.
What the calculator does
- Counts
- Each daily or weekly remittance you enter, converted to one weekly and one monthly total.
- Models
- A weekly reduction you pick between 30% and 50%, the range many businesses see.
- Does not
- Check eligibility, price anything, or predict a funding partner's offer.
- Keeps
- Nothing. Figures stay in your browser and are not sent anywhere.
Your weekly number, before and after.
Three conversions and one percentage. Nothing hidden.
Daily ACH remittances are drawn on banking days, so each daily amount is counted five times a week. Weekly amounts are counted once. The weekly total is converted to a monthly figure using 52 weeks divided by 12, which is about 4.33 weeks a month.
The reduction slider applies a single percentage to that weekly total. The 30–50% range is what many businesses see on this program; where yours lands depends on your balances, remaining terms and the funding partner's review. The calculator does not know any of that, which is why the result is an illustration and not a quote.
What the calculator cannot show is the trade: a lower weekly remittance normally means a longer term and a higher total outlay over the life of the program, because your existing advances are still paid in full and the purchase of receivables has its own cost. Your advisor shows that side in dollars too, before you sign anything. For the full picture of your options, including the ones that are not a program, read how to get out of an MCA stack.
- Three advances
- $1,516 a day combined
- Weekly today
- $1,516 × 5 = $7,580
- After, at 44%
- One remittance of $4,250 a week
- Freed up
- $3,330 a week, about $14,000 a month
This is the funded deal described on our case studies page. Your figures will differ.
What you'll need for real numbers: 3–4 months of bank statements and the agreement and current balance for each existing advance.
About the calculator
Is the calculator result an offer?
No. It multiplies the remittances you enter by a reduction percentage you choose, within the 30–50% range many businesses see. It does not check eligibility, price anything or predict what a funding partner will offer. Your real numbers come from an advisor after the funding partner reviews your bank statements and existing agreements.
Why does it count daily remittances on five days a week?
Daily ACH remittances are drawn on banking days, so a daily amount runs about five times a week and roughly 21 to 22 times a month. The calculator converts daily amounts to a weekly figure using five banking days and to a monthly figure using 52 weeks divided by 12.
Does a lower weekly payment mean I pay less overall?
Usually not. Your existing advances are still paid in full, and the funding partner's purchase of receivables has its own cost, so a lower weekly remittance normally means a longer term and a higher total outlay over the life of the program. The trade is weekly room now against a longer runway. Your advisor shows both figures in dollars before you decide.
What do I need to get real figures?
Your last 3–4 months of business bank statements, the agreement and current balance for each existing advance, a government ID and a voided business check. Most files receive a decision within 24–48 hours, and the first weekly disbursement can arrive within 24–48 hours of acceptance. See how it works.
Turn the illustration into real numbers.
Ten-minute application, no hard credit pull to check, a real advisor on every file.