Tools · Simulator
Daily repayment simulator
See how the daily repayment % (the share of card sales collected toward repayment) shapes your timeline and weekly cashflow. The percentage stays the same; the pound amount flexes with sales. UK merchant cash advances (MCAs) typically run 10% to 22%.
Capped at £45,000 (lower of £1m, 150% of takings, or 18-month term).
Illustrative only, not a quote.
Slow & steady
10%
- Daily average
- £99
- Weekly average
- £692
- Monthly avg
- £3,000
- Term
- 18.0 months
Typical
15%
- Daily average
- £148
- Weekly average
- £1,038
- Monthly avg
- £4,500
- Term
- 12.5 months
Fast repay
22%
- Daily average
- £217
- Weekly average
- £1,523
- Monthly avg
- £6,600
- Term
- 8.5 months
Time to repay (lower = faster)
- Advance£45,000
- Fixed cost1.25
- Monthly takings£30,000
- Daily repayment£148
- Weekly repayment£1,038
- Est. term12.5 months
Daily repayment moves with takings: less on slow days, more on busy ones. Term lengthens or shortens with trading.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
Works with Dojo · Square · Zettle · SumUp · Stripe Terminal · PDQ · Yeti Pay · Teya · Barclaycard
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Apply with these numbersInsight
A higher daily repayment % means faster repayment but tighter daily cashflow. Lower means slower but more breathing room. The right level depends on how seasonal your trade is, and whether you can comfortably absorb the deduction in your quietest week, not your average week.
Apply now and we'll quote a daily repayment % that fits your trading pattern, not a one-size-fits-all default.
Apply with these numbers