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Fee example: what a typical advance costs

A worked example of advance fees.

Say your rate is 3% per 30 days, you draw $5,000 by instant transfer, and your deal closes and you repay on day 45.

  • Days 1–30: 3% × $5,000 = $150.00
  • Days 31–45: 3% × $5,000 = $150.00
  • Instant transfer: 1.75% × $5,000 = $87.50
  • Total: $387.50

Choosing ACH instead of Instant would bring the total to $300.00. Drawing $2,500 instead of $5,000 would halve every line.

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