Calculators / Revenue-based lending calculator

Revenue-based lending calculator

See the total repayment cap on a revenue-based advance, then check whether the stock or campaign you’re funding actually clears it.

Funding amount$150,000
$20K$1M
Repayment cap (multiple)1.45x
1.2x1.8x
Monthly revenue$200,000
$20K$1M
Revenue share8%
3%20%

Payments flex with revenue: slower months mean a smaller payment, stronger months mean a bigger one.

Est. monthly payment $16,000/mo
Total repayment cap$217,500
Total cost$67,500
Est. repayment period~13.6 months

Indicative only. Ecommerce Loans is a finance broker, not a lender. Actual repayment caps and revenue-share percentages depend on your platform, category and trading history.

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What this financing actually costs you

Does this advance clear itself?

If you’re using this funding for stock or a specific campaign, this checks what share of it you need to sell, at your margin, to cover the total cost above. Wayflyer, one of the lenders on our panel, uses the same logic in its own financing break-even tool. Here it’s run against your own numbers, not just theirs.

Gross margin on what you’re funding40%
5%80%
Break-even: you need to sell this much of it 100.0%
Amount financed$150,000
Total cost of the facility$67,500
Gross margin pool$60,000

Why work with a broker instead of comparing lenders yourself?

Two names dominate this space for Australian ecommerce sellers: Wayflyer and Shopify Capital. Both are legitimate products. Neither is the only option, and going direct to either means comparing against yourself, not the market. See our revenue-based lending page for the full picture, including how the graduation path to cheaper funding works as you scale.

Before you enquire
It uses the standard repayment-cap model used across revenue-based lenders, with a cap range of 1.2x to 1.8x. Your actual cap and revenue share depend on your platform, category and trading history.
It’s the share of what you financed that you need to sell, at your margin, to cover the total cost of the facility. Everything sold beyond that point is profit.
It’s most common for ecommerce sellers with predictable revenue, but the product isn’t exclusive to online sellers. See our revenue-based lending page for who else it fits.
Andrew Beckett, founder and principal broker
Andrew Beckett

Founder and principal broker, Ecommerce Loans. 10+ years in Australian SME, asset, trade and consumer lending across Shift, Iron Capital, Lumi and Lend, represented through CAFBA, FBAA and MFAA.

Call 0468 902 233 Get my options
Ecommerce Loans is a finance broker, not a lender. Rates and figures shown across this site are indicative only and subject to individual lender assessment. New to working with a broker? See how it works.