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Payout Delay Cash Flow Calculator
Compare payout delays, find your lowest daily cash balance and calculate the extra cash needed before seller payouts arrive.
How the calculation works
Closing cash = previous cash + payout received − daily cash expenses. Starting cash is reduced by the upfront payment before day 1. Required starting cash covers the lowest cumulative balance; additional cash subtracts the cash you already have.
Worked example
Daily sales of $1,000, cash expenses of $700, a $2,000 upfront payment, $3,000 starting cash and a 3% withheld fee need $16,000 in total starting cash when sales become payable after 14 days and are paid in 7-day batches over 90 days. Extra cash needed is $13,000; the first negative closing balance is on day 2.
Assumptions and limits
Sales and expenses are constant each day. The first full payout batch arrives on day delay + interval: day 21 for a 14-day delay and 7-day interval. This is an explicit scenario, not a platform payout schedule.
Payouts and expenses are combined into daily closing balances. Intraday shortages, existing receivables, refunds, reserves and taxes are outside this model. Unpaid sales are net of the withheld fee.
A selected period can miss later shortages. If expenses exceed settled sales, a longer period can require more cash.
Your numbers are processed in this browser. Changing currency does not convert them. These are estimates from your assumptions; check actual costs and settlement statements.
Frequently asked questions
How much cash do I need while waiting for seller payouts?
Enter your daily cash expenses, upfront payment and payout assumptions. Required starting cash covers the lowest balance over your selected period. Extra cash needed subtracts the starting cash you already have. It is a modeled funding gap, not a loan recommendation.
Does this match my marketplace payout schedule?
The model pays a full batch on day delay plus interval, then repeats at that interval. Actual marketplaces may use calendar dates, reserves or different eligibility rules. Check your settlement statement and use this tool only when that pattern represents your scenario.
Why can a profitable seller run out of cash?
Cash expenses can be paid before sales proceeds arrive. Even when settled sales exceed daily expenses, the upfront purchase and waiting period can create a negative balance. This model measures daily closing cash; it does not detect shortages within a day.
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