Total Payback
The full dollar amount you repay over the life of an advance — funded amount times the factor rate, plus any fees.
Total payback is the single most important number in a revenue-based offer: the total dollars you will repay. For a factor-rate product it is the funded amount multiplied by the factor rate — $20,000 at 1.30 is $26,000 — plus any separate fees like an origination fee.
It matters because factor rates, holdbacks, and APRs are not directly comparable across products, but total dollars repaid always are. When you know the net cash you receive and the total payback, you know the real cost, regardless of how the offer is labeled. That is the apples-to-apples number for comparing an MCA, a working-capital advance, and a term loan.
Pair total payback with the weekly remittance to sanity-check fit: the total tells you the price, the remittance tells you whether a slow week can carry it. Confirm both in writing before you sign, and remember that early payoff only reduces total payback if your agreement offers an early payoff discount.
Frequently asked
What is total payback?
It is the full amount you repay over the life of the advance — the funded amount times the factor rate, plus any fees. It is the true cost of the capital in dollars.
How do I calculate total payback?
Multiply the funded amount by the factor rate, then add any separate fees. For example, $15,000 at a 1.25 factor is $18,750 before fees.
Why compare total payback instead of the rate?
Factor rates, holdbacks, and APRs are not directly comparable, but total dollars repaid always are. Total payback lets you compare very different products fairly.
Related terms
A decimal multiplier (like 1.30) applied to the funded amount to calculate total payback — it is not an interest rate or APR.
The base factor rate an underwriting desk assigns to a deal before any broker markup — the wholesale cost of the advance.
An upfront fee some funders deduct to set up an advance, which reduces the net amount you actually receive.
A reduction in total payback that some funders offer if you repay your advance ahead of schedule.
A fixed weekly payment pulled by ACH toward your total payback — more predictable than a daily card holdback.
See a real offer for your business
Connect your business bank, get a decision in minutes for qualified files, and review transparent total payback before you sign. Quickie funding is a purchase of future receivables — not a consumer loan.