Debt-to-revenue
See how much revenue already goes to debt
Underly sets the monthly payments on every existing position against true revenue, so you know the room left before you write an offer.
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First 10 statements free. No card.
How it works
How the ratio is worked out
- Headline ratio
- The monthly total of every position you haven't excluded, divided by average monthly true revenue and shown against a 50% cap.
- Month by month
- Debt actually paid each month, without returned pulls or card payments, divided by that month's true revenue.
- Offer calculator
- Set the holdback, factor rate, payment frequency and number of payments to get the payment, funded amount, total payback and term.
- Holdback used
- Existing and new payments together as a share of true revenue, and the days of runway the average daily balance covers.
- Full holdback
- When existing debt already uses the whole holdback, the calculator says so.
FAQ
Common questions
Why can the headline and monthly figures differ?
The headline uses each position's monthly run rate, so it reflects what the merchant pays going forward. The monthly figure counts what actually cleared, so a missed or returned pull lowers it.
Can I override the inputs?
Yes. Monthly true revenue, existing monthly debt and the funded amount can each be overridden in the offer calculator.
Which debts are included?
MCAs, bank loans, leases, BNPL, factoring, auto loans, mortgages and debt collection. Credit card payments aren't.
Features
The rest of the read
- MCA stacking detectionEvery existing advance and loan by funder, with its payment, cadence and monthly total.
- True revenueTransfers, owner deposits, loan proceeds and returns taken out of gross deposits.
- Negative days and NSFsAverage daily balance, lowest balance, negative days and NSF returns, with a day-by-day balance calendar.
- Altered statement detectionPDF metadata and balance math checked on upload, so edited files are flagged before you fund.
- Line-item labelsEvery transaction labelled, from processor deposits to MCA debits and NSFs. Relabel in bulk and every figure recalculates.
Run your next file through Underly
The first 10 statements are free. No card.