ACH Advance and Cash Flow Loan Calculator

person using a calculator while writing on a piece of paper

Last Updated October 12, 2023

An ACH advance (also referred to as a cash flow loan or ACH loan) is a type of short-term small business financing. While ACH loans can be easy to qualify for, they often come with high interest rates and lower funding amounts. To help you better understand the costs associated with a cash flow loan, use our calculator below.

How to Use the ACH and Cash Flow Loan Calculator

The ACH advance / cash flow loan calculator helps small business owners be better prepared to take out an ACH advance or other type of cash flow loan. To use altLINE’s ACH loan calculator, input the following values and then click the “Calculate” button:

  • Loan Amount: This is the amount you expect to receive from an ACH advance or cash flow loan provider.
  • Factor Rate: Similar to an interest rate, this determines how much the cash flow loan will cost. The factor rate is typically between 1.2 and 1.5.
  • Fixed Daily Payment: This is how much you expect to pay the ACH or cash flow loan provider on a daily basis until the loan amount + fees are repaid.

Once you click the “Calculate” button, you will receive the following outputs:

  • Total Payback Amount: This is how much you can expect to repay the loan provider based on your loan amount and the factor rate. This payback amount excludes additional fees that the lender may subject you to, such as administrative fees or underwriting fees.
  • Approximate Days to Repay: This is how long you can expect it to take to repay the total payback amount based on how much you borrowed, your expected factor rate, and your expected fixed daily payment.

Related: Merchant Cash Advance Calculator

Looking For a Financing Alternative?

If you’ve used our ACH loan calculator and are concerned about the cost of borrowing, give altLINE a call! With more than 80 years of experience serving customers, altLINE offers an alternative financing solution that does not require daily payments and can help you avoid a potential debt cycle. You can call one of our representatives at +1 (205) 607-0811 or fill out our quote form to learn more about how we can help you access the working capital you need.