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Same-Day Funding Premium Calculator

Calculate the exact cost difference between same-day and standard funding timelines.

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What Is the Same-Day Funding Premium?

Same-day funding means the merchant receives capital within one business day of approval. This speed comes at a cost -- funders who offer same-day typically charge a higher factor rate (3-10 basis points) or a flat expedite fee. On a $100K deal, a 5-point premium adds $5,000 to the total cost. Whether this premium is worth it depends on the merchant's urgency and the economic cost of waiting. This calculator makes the premium transparent so merchants can make an informed decision. Some merchants need capital today; others can wait 3-5 days and save thousands. Your role as a broker is to present both options honestly.

How to Use This Calculator

Enter the standard factor rate

The rate offered with normal 3-5 day funding. This is your baseline cost.

Enter the same-day premium

The additional factor rate points charged for expedited funding. Ask your funder for the exact premium -- it varies by funder and deal profile.

Compare the total costs

The difference shows the actual dollar cost of same-day speed. Present this to the merchant alongside the advance speed value analysis to determine if the premium is justified.

Key Concepts

Expedite Premium

The additional factor rate points or flat fee charged for same-day or next-day funding. The funder's cost of prioritizing your deal over others in the pipeline.

Factor Point

One cent on the factor rate. A 0.05 premium means the factor rate increases by 5 cents (e.g., from 1.30 to 1.35). On $100K, each factor point costs $1,000.

Cutoff Time

The submission deadline for same-day funding eligibility. Typically 11 AM-1 PM ET. Submissions after the cutoff fund next business day at best.

Expert Insights

Not All Same-Day Claims Are Equal: Some funders advertise "same-day funding" but define it as "same-day approval" with next-day wire. Verify whether the funder means same-day money in the merchant's account or same-day approval with funding following. The distinction matters to merchants counting on capital today.

Negotiate the Premium Down: Same-day premiums are negotiable, especially for repeat business. A broker who consistently sends 10+ clean deals per month to a funder can often get the same-day premium reduced to 2-3 points or waived entirely as a relationship perk. Ask every quarter for a premium reduction as your volume grows.

Frequently Asked Questions

It depends on the merchant's situation. If the merchant needs capital to meet payroll tomorrow (cost of not having it: lost employees, legal liability), the $5,000 premium on a $100K deal is easily justified. If the merchant can wait until Friday with no economic impact, save the money with standard funding.

Commission is typically calculated on the funded amount, not the factor rate. If the same-day premium increases the factor rate from 1.30 to 1.35, and your commission is 10% of funded, the commission stays the same ($10K on $100K). However, if you capture the premium as spread rather than passing it through, your income increases.

Several major funders (including some of the largest direct funders) offer same-day for deals submitted before noon ET with clean documentation. The list changes frequently as funders adjust their capabilities. Maintain an updated internal list of same-day-capable funders and their submission requirements.

Results are estimates for educational purposes only. Actual amounts may vary based on your specific financial situation, market conditions, and other factors. This calculator does not constitute financial advice.