Advance Speed Value Calculator
Quantify the economic value of faster funding to help merchants weigh speed versus cost.
What Is the Value of Faster Funding?
Funding speed has real economic value. A merchant who needs capital to purchase time-sensitive inventory, cover payroll during a cash gap, or seize a business opportunity loses money for every day they wait. If waiting an extra 4 days costs $2,000/day in lost revenue or penalties, the cost of delay is $8,000. That means paying up to $8,000 more for same-day funding versus a 5-day funder is economically rational. This calculator quantifies the delay cost so brokers can help merchants make informed decisions about speed versus factor rate tradeoffs. Many merchants instinctively want the cheapest option -- showing them the cost of delay often shifts the decision toward faster (but slightly more expensive) funders.
How to Use This Calculator
Enter the funding amount
The amount being funded by each funder. Assume both funders offer the same amount for a clean comparison.
Set funding timelines for each funder
Funder A is the faster option, Funder B is slower. The difference in days is the delay window to analyze.
Estimate the merchant's daily revenue loss
What does the merchant lose each day they do not have the capital? This could be lost inventory sales, late payment penalties, missed contract opportunities, or payroll shortfalls.
Key Concepts
Cost of Delay
The economic cost to the merchant of each additional day without capital. Calculated as daily revenue impact multiplied by the number of delay days.
Speed Premium
The additional cost (higher factor rate) associated with faster funding. Justified when the cost of delay exceeds the speed premium.
Same-Day Funding
Capital delivered within one business day of approval. Typically commands a 5-10 basis point factor rate premium over standard 3-5 day funding.
Expert Insights
Speed Sells -- But Use It Honestly: Urgency is a powerful closing tool. But manufacturing urgency when none exists is a disservice to the merchant. If the merchant needs capital today (payroll is tomorrow, inventory arrives Monday), speed has real value. If they can wait a week, save them money with the slower, cheaper funder. Building a reputation for honest speed advice generates more referrals than closing one deal faster.
Same-Day Funders Have Limitations: Same-day funding typically requires submissions before noon ET, clean bank statements with no red flags, and deals within the funder's automated approval parameters. Complex deals, high amounts, or unusual industries may not qualify for same-day regardless of the funder's marketing. Set merchant expectations: "We will aim for same-day, but if underwriting needs additional documentation, it may be next day."
Frequently Asked Questions
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.
Run These Numbers Too
Funder Comparison Calculator
Compare three funders across max offer, factor rates, commission, residual, and funding speed.
Same-Day Funding Premium Calculator
Calculate the exact cost difference between same-day and standard funding timelines.
Deal Structuring Calculator
Find the optimal funding amount, factor rate, and term to maximize merchant affordability and your commission.
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