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Cash advance cost estimator

Many funding partners price a working capital advance with a fixed multiplier instead of an annualized cost. Move the sliders to watch a multiplier become real numbers: total repayment, the cost of capital in dollars, and roughly how long repayment runs. Nothing you enter is collected.

Cash advance offer anatomy · educationalIllustrative example. Not an offer, a quote, or an approval.

Used only to estimate how long repayment takes. Never collected.

File strength

What typically makes a file strong: time in business, revenue stability, credit history, and any financing you already carry. Stronger files price lower in the range. Industry pattern, not a quote.

1.26 on $50,000 means $63,000 back in total. Industry market range at this term: 1.17x to 1.49x, centered near 1.26x (public market data, Jul 2026). Not Trident pricing. Across the market, stronger files land lower in the range. Files like this typically land between 1.21x and 1.38x at this term (industry pattern, not a quote).

Most single advances hold back 10 to 20 percent; larger businesses are quoted lighter shares. Above 30 usually means stacked advances, not one funder.

Repayment method

Repay as you sell: about 11% of daily card sales. Slow day, smaller payment.

Funding amount$50,000
Cost multiplier1.26x
Cost of capital Always shown in dollars. Never hidden.$13,000
Estimated total repayment$63,000
Estimated payment About 11% of each day's card sales~$254 / selling day
Estimated term At 11% of sales; faster months finish soonerAbout 9.5 months
Estimated annualized cost Computed on the declining balance, the way loan costs are usually compared. Simple division against the full advance reads about half as high; that lower figure is how expensive money is often made to look cheap.~65% / yr
Market context · industry data, Jul 2026*

This is a typical market shape: the holdback, price, and term all sit where most advances land (the market averages about 8 months). The 1.26x price sits right at the market center for this term.

* Market data sources
  1. KBRA, Fora Financial Asset Securitization 2024-1 (Aug 2024): weighted average factor 1.34x, 13.6 month original term, on a funded portfolio.
  2. KBRA, KCG Securitization II Series 2026-1 (Mar 2026): weighted average factor 1.32x, 13.6 month original term.
  3. DBRS Morningstar, BasePoint MCA Securitization 2023-1 (Dec 2023): portfolio average 1.32x; eligibility floor 1.265x.
  4. New York Attorney General v. Yellowstone Capital (filed 2024, judgment 2025): contract holdback tables from 10 to 15 percent up to 49 percent on stacked positions.
  5. People v. Richmond Capital Group (NY, affirmed 2026) and Fleetwood Services v. Ram Capital (2d Cir 2023): contract factors around 1.5 on short predatory terms.

Educational market data with full citations on file. Not Trident partner pricing, and not a quote.

Actual amounts and terms are set by independent funding partners and depend on your revenue, time in business, and other factors. Your offer will differ. The ranges shown are industry market data from published sources as of Jul 2026, not Trident partner pricing. Partner fees, if any, are itemized on the offer itself: ask for all of them in writing.

Shorter terms raise the annualized cost of the same multiplier. See the full explainer

How the math works

Reading a multiplier.

A short read on what the estimate is doing, and where the real numbers still come from.

One multiplier, in dollars

A 1.30 multiplier on a $50,000 advance means about $65,000 back if the agreement runs as written, which is $50,000 times 1.30. The $15,000 gap is the cost of that capital. A 1.30 multiplier sits just under the market center: audited portfolio data puts the sold average near 1.33x, the typical range at about 1.1x to 1.5x, and most sold deals around 1.30x to 1.40x. Industry figures, not a Trident quote.

Multiplier basis

Remittance changes the pace

Daily or weekly remittance, and percent of sales or a fixed schedule, change how the payments land month to month. The total amount you repay stays the same, so compare that total first.

Remittance

What this tool does not do

It does not predict approval or partner pricing, and it does not add fees a partner may charge, such as origination or ACH. Confirm every final number on the signed contract.

Educational only
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