New Authority Cash Flow Calculator

Model your first 90 days — how long before you break even, how factoring changes the timeline, and how much working capital you need.

Cash Flow Calculator

Estimate your cash gap in the early weeks and compare factoring vs. waiting for broker payment.

Estimated weekly gross revenue ($)

Average days to receive broker payment

Weekly fuel ($)

Weekly insurance installment ($)

Weekly truck payment ($)

Weekly trailer payment ($)

Weekly maintenance reserve ($)

Factoring fee (%, leave 0 to compare without)

Factoring advance rate (%, of invoice)

Weekly fixed costs

$1,555

Weeks before first broker check~5.0 wks

Cash needed while waiting$7,775

Wait for Broker Payment

Cash gap (weeks waiting)$7,775

Revenue received in week 6$4,000

Use Factoring

Advance per week (day 1)—

Factoring cost per week—

Cash gap with factoringEnter fee to compare

This model assumes you invoice immediately after each load. Actual timing depends on your specific broker payment terms and factoring provider.