Financial Intelligence
See what funding really costs your profit
Track every merchant cash advance and revenue-based funding agreement, and watch repayments hit your profit and margin in real time.
See it in action
Every agreement, every repayment
Total repaid, remaining balance, daily repayment, and projected payoff - with each agreement's margin impact made plain.
Revenue-Based Funding
Track repayments and margin impact across every funding agreement.
Total Repaid
$38,420
All agreements
Remaining Balance
$23,080
Active agreements
Est. Daily Repayment
$412
Avg last 30 days
Projected Payoff
Aug 18, 2026
At current rate
Shopify Capital
Active$50,000 received - 12% daily rate - Started Jan 14, 2026
Total Repayment
$56,500
Remaining
$23,080
Margin Impact
-1.8%
Est. Payoff
Aug 18, 2026
Wayflyer
Fully Repaid$25,000 received - 8% daily rate - Started Aug 02, 2025
Total Repayment
$27,750
Remaining
Cleared
Margin Impact
-1.1%
Closed
Mar 21, 2026
Illustrative data - not representative of actual performance
The problem
Funding is easy to take, hard to see
Revenue-based funding and MCAs are quick to access, but their daily repayments quietly pull on your margin. Without tracking, the real cost stays hidden.
Daily repayments add up
A percentage of revenue routed to repayment every day is easy to underestimate when it is spread across hundreds of orders.
The true cost is opaque
Factor rates and fees make it hard to know what an advance actually costs you against your margin.
Multiple advances stack
Take a second or third advance and tracking what you owe and when it clears becomes a spreadsheet of its own.
The solution
Funding, fully in your P&L
Record each agreement once and MerchantFlow tracks repayment progress, remaining balance, projected payoff, and the impact on your margin as it happens.
Track every agreement
Capture amount received, total repayment, daily rate, and start date for each advance in one place.
Repayment progress
See how much is repaid, what remains, and the projected payoff date for each agreement at a glance.
Margin impact in real time
Repayments flow into your P&L, so you see exactly how much each advance is costing your contribution and net margin.
Plan your payoff
Estimated daily repayment and projected payoff dates help you plan cash and decide when more funding makes sense.
How it works
From advance to clear visibility
Add your agreement
Enter the amount received, total repayment, daily rate, and start date.
Track the repayment
MerchantFlow follows progress and projects your payoff as revenue comes in.
Watch the margin impact
See repayments reflected in your profit so the true cost of funding is never hidden.
FAQ
Revenue-based funding, answered
What kinds of funding can I track?
Revenue-based funding and merchant cash advances, including products like Shopify Capital and Wayflyer. You record the amount received, total repayment, daily rate, and start date for each agreement.
How does funding affect my P&L?
Repayments are recognized in your profit, so your contribution and net margin reflect the real cost of the advance rather than just the cash you received up front.
Can I track more than one advance?
Yes. You can record multiple agreements, each with its own repayment progress, remaining balance, and projected payoff, and see their combined impact.
Will it tell me when an advance is paid off?
MerchantFlow estimates daily repayment from your revenue and projects a payoff date for each active agreement, and marks agreements as fully repaid when they clear.