Same-Day Funding Premium Calculator
Calculate the exact cost difference between same-day and standard funding timelines.
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
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
Advance Speed Value Calculator
Quantify the economic value of faster funding to help merchants weigh speed versus cost.
Funder Comparison Calculator
Compare three funders across max offer, factor rates, commission, residual, and funding speed.
RTR Calculator
Calculate total Revenue to Receive, daily payment, and repayment timeline for any MCA deal.
Need Help With Business Debt?
Speak with a Delancey Street specialist — free consultation, no obligation.
Get Free ConsultationEconomic Snapshot
Source: Federal Reserve Economic Data (FRED). Indicators refresh daily.
Financial News & Regulation
Apr 18, 2026Holding Government Contractors Accountable for Wrongdoing
Jan 21, 2025Argus Information and Advisory Services, a subsidiary of TransUnion, has agreed in writing that it will not seek any government contract with the Consumer Financial Protection Bureau for three years.
Blog | Consumer Financial Protection BureauStrengthening Appraisal Oversight: Progress at the Appraisal Subcommittee
Jan 17, 2025CFPB Deputy Director Zixta Martinez discusses changes at the ASC since she became Chair in 2022, including enhanced state oversight, landmark hearings on appraisal bias, and improved collaboration with The Appraisal Foundation to create a more equitable and accountable appraisal industry.
Blog | Consumer Financial Protection BureauBack from the Dead: Zombie Second Mortgages
Jan 17, 2025Forgotten second mortgages may be coming back to haunt homeowners who haven’t received notices or account statements for years.
Blog | Consumer Financial Protection BureauHeadlines sourced from government agencies and legal publications. Updated every 12 hours.
Did You Know?
The average credit card interest rate hit 22.76% in 2025 — the highest since tracking began in the early 1990s.
BNPL (Buy Now, Pay Later) usage tripled between 2020 and 2025, with over 40% of U.S. consumers having used it.
Cost of living varies dramatically: the same salary goes 30-50% further in states like Texas or Tennessee vs. California or New York.
The average 401(k) balance hit $118,600 in 2025, though the median is much lower at $35,286.