Cash Flow
Prediction Tool
See the full picture before you explore funding. Model your current obligations, a new merchant cash advance, and the business opportunities you want to pursue.
An educational scenario estimator—not an approval engine or a validated AI prediction. Start with the sample, then replace every assumption with your own figures. Not financial, legal, or tax advice.
Monthly cash flow, side by side.
Before any assumed business benefits. Financing adds cash upfront and creates future payment obligations.
Your 12-month cash outlook.
Illustrative ending cash balance. A negative balance signals a cash shortfall—not available borrowing.
View chart numbers
| Month | Without new funding | Scenario | Downside |
|---|
Where your new capital goes.
Scenario insights
Explore actual funding options →Talk with our teamHybrid Funder connects businesses with third-party funding partners and investors. Providers make the final decision. No funding is issued by this tool.
How the estimate works
What does the cash-flow ceiling mean?
It is a mathematical planning scenario, not the amount you are likely to be approved for. Monthly room equals revenue minus operating expenses, existing financing payments, and your chosen cash buffer, floored at zero. The ceiling equals that monthly room × the selected duration ÷ factor rate. It assumes level cash flow and excludes hoped-for growth from the ceiling calculation. It is not a safe borrowing limit or a recommendation to take that amount.
How does industry or the number of MCAs affect results?
Industry changes the planning prompts, not an invented approval multiplier. Existing MCA payments reduce cash flow dollar for dollar. Their count flags the need to review provider stacking rules and existing agreements. This version does not estimate approval probability or learn from individual visitor data.
What does the chart include—and leave out?
At month zero, net proceeds are received and your non-reserve allocations are spent. Each month then adds operating cash flow and any benefit you entered, and subtracts financing payments while modeled active. The downside reduces baseline and additional sales by your chosen percentage while holding operating expenses and savings fixed. Taxes, seasonality, collection delays, additional fees, payment changes, renewals, defaults and other events are not modeled unless reflected in your inputs. Actual daily or sales-based payments can differ from these monthly equivalents.
Can an MCA improve business cash flow?
It may provide upfront liquidity for inventory, equipment or another business need. That does not automatically improve recurring cash flow or profit. The tool separates the initial proceeds from future payments and lets you test your own assumptions about additional sales or savings. No growth benefit is guaranteed.
Qualification, privacy & important disclosures
Starting minimums are 3 months in business and $10,000 in monthly revenue. Currency selection does not establish currency-equivalent provider thresholds. Additional requirements vary by provider, product, location and currency. Credit, bank balances, existing obligations, repayment history, revenue trends and contract restrictions may affect eligibility. Meeting these starting minimums is not approval.
This calculator performs calculations in your browser and does not submit its input values to Hybrid Funder. Do not enter names, SSNs, account numbers or bank documents. The site’s general cookie and privacy practices still apply. This is an educational tool, not financial, legal, tax or accounting advice. Consult your own qualified advisers. Review the actual provider agreement and transaction-specific disclosures before accepting funding.
Legal & privacy · FTC information about small-business financing