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Remittance-to-revenue ratio

The share of monthly revenue going to daily or weekly remittances. Above 10% is strained; above 25% is where businesses usually stop being able to cover payroll and suppliers.

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Gross deposits in a typical month.

All advances combined.

Monthly remittance

$9,450

Daily × 21 business days

Remittance-to-revenue

24%

Between 10% and 25%: Strained in the Debt Check rule.

Paid to advances per year

$113,400

At today's pace

Why this number

Advances are repaid from gross deposits before anything else is paid. When remittances pass a quarter of revenue, the remaining cash rarely covers operating costs, and the next advance tends to be taken to cover the last one. That is the stacking cycle.

Reading the result

Monthly remittance is the daily amount times 21 business days, or the weekly amount times 4.33. The ratio is an estimate; your bank statements are the audit. The Debt Check uses the same rule together with missed payments, notices and the UCC filings naming MCA funders.
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Add the rest of the picture.

Stacked advances, notices and public filings change which options remain open.