Sales and available cash are different
A business can record sales before receiving the money. Payroll, rent, inventory, and existing debits may use the balance before the next customer payment. Start with actual available cash and the expected timing of receipts.
Use an ordinary week and a difficult week
List opening cash, expected receipts, expenses, existing obligations, and the proposed payment on their expected dates. Repeat with slower receipts or lower sales. This is a planning exercise, not a prediction that a particular payment is affordable.
Read adjustment terms
Ask how reconciliation or adjustments work, what information is required, and how quickly the process operates. Do not assume an agreement automatically changes payments when sales fall. The actual contract governs.
Make the example concrete
Use the calculator to turn hypothetical amounts, a factor, and withheld fees into usable cash and total remittances. Add the illustrated payments to your own cash calendar alongside existing obligations.