Advances & Loans Calculator

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

Beatbread Advance

Uses recoupment rate, trailing share, and fixed fees to show total royalties Beatbread collects vs what you keep. Update: the recoupment rate applies to the full obligation (advance + % fee + origination fee).

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Total royalties you expect to earn over the entire Beatbread deal term.
Percentage of the advance as a one-time fee (included in recoup obligation).
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Included in recoup obligation.
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If provided, we’ll compare average monthly Beatbread payments to this.

Credit Card

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

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For minimum payments, this is income over the full payoff period. For fixed plans, this is income over the months you choose.

Stripe Capital Advance

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

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Estimated percentage Stripe takes from card sales.
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Total income you expect while this advance is being repaid.

Business Loan

Standard amortizing loan with fixed term and APR. Uses the same formula banks use.

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Affirm Loan

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

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Results

Total amount paid to lender $0

Total fees / interest paid $0

Profit retained from income during term $0

Percentage of income going to payments 0%

Average monthly payment vs average monthly income

Downloads are for members.

Recoup vs term timeline (estimated)