Advances & Loans Calculator

Compare how much you really pay, how much you keep, and how payments impact your cashflow across Beatbread, credit cards, Stripe Capital, business loans, and Affirm.

Financing Inputs

Beatbread Advance

Uses recoupment rate, trailing share, and fixed fees to show total royalties Beatbread collects vs what you keep. The recoupment rate applies to the full obligation.

$
$
Total royalties you expect to earn over the entire Beatbread deal term.
Included in recoup obligation.
$
$

Credit Card

Compare paying your balance off on a plan vs making only the minimum payment.

$
$

Stripe Capital Advance

Models Stripe Capital as a flat fee on the advance plus percentage holdback from your revenue.

$
$
$

Business Loan

Standard amortizing loan with fixed term and APR.

$
$

Affirm Loan

Models Affirm like an installment loan: amount financed, APR, fixed monthly payments.

$
$

Results Analysis

Total amount paid to lender
$0
What leaves your pocket or royalties over the repayment period.
Total fees / interest paid
$0
The cost above the original advance, credit balance, or loan principal.
Profit retained from income during term
$0
Projected income minus total repayment cost.
Percentage of income going to payments
0%
How much of the projected income gets consumed by repayment.
Monthly cashflow pressure
Notes
Downloads are for members.

Recoup vs term timeline (estimated)

Run a calculation
Choose a financing type, enter your assumptions, and calculate to see the real repayment pressure.