What the result shows
The estimated cash cost and repayment timing for revenue finance and bank debt, plus the implied valuation and projected value of the ownership share offered.
Ecommerce Working Capital Cost Calculator
Compare three ways to fund the next stock buy
Use the same amount of capital for each option. Enter the terms you have been offered, not headline rates from an advert.
Capital being compared
$100,000
No option is ranked as the winner. Debt and revenue finance create cash repayments; equity has no scheduled repayment but gives up ownership. Compare the separate trade-offs below.
- Revenue-finance cash cost
- $12,000 · 20.2% estimated annualized cost
- Revenue finance at expected revenue
- $8,000/month · About 14 months
- Revenue finance in a weaker month
- $5,000/month · About 23 months
- Bank cash cost over the term
- $9,643
- Bank repayment each month
- $4,568 · 24 months
- Equity implied post-money valuation
- $1,000,000
- Projected value of ownership in 3 years
- $300,000
The projected equity value is the value of an ownership stake, not interest or a scheduled repayment, so it should not be compared with debt cost as though they were the same.
Revenue-finance timing assumes the entered revenue stays constant until the full repayment amount is collected.
Compare cost without ignoring cash pressure or control.
How it is calculated
Calculate the revenue-finance fee and repayment timing at expected and weaker revenue, bank interest and setup fee over the loan term, and the projected value of the ownership share offered.
How to use it
Compare debt cost with monthly repayment pressure, then assess equity separately because ownership has no scheduled repayment but can become more valuable and affect control.
What this result leaves out
This is an educational estimate, not financial advice or a lender quote. Tax, legal costs, security, guarantees, variable rates, covenants, refinancing, investor rights, and changes in valuation are not modelled.
Related tools
Cash runway
See how long current cash could cover the monthly shortfall, including a stronger-sales case and an ad-spend increase.
Owner draw planner
Estimate what the business may be able to set aside for owner pay after operating costs, a tax reserve, and a cash buffer.
See more tools
Browse tools for profit, cash, pricing, inventory, funding, and operating costs.
Stop rebuilding the same calculation every week.
Nummbas brings sales, costs, products, ads, and cash flow into one view so the numbers change when the business does.