Days down, columns across. Every row is a day (day 1 = Mon → day 5 = Fri). The Advance column is the one place you add / remove / edit events (funding, voluntary, payoff, bounce); Draw #1–#k columns are derived, read-only projections of how each event lands per draw. Chips are color + glyph by type; hover a chip for a quick peek, click it to pin the full breakdown (derivation, before → after, waterfall). Funding + raises outstanding, everything else −. Regular payback shows in the Advance column as the day’s roll-up, with the per-draw breakdown in the draw columns. Draw columns hatch pre-funding / paid-off. Tap a Day or Outstanding cell to see the statistics as of that day.
Early Payoff Discount
Early payoff discount tiers. Duration, daily EFR increment and end EFR are derived and read-only.
#
Term (days) *
Term (%) *
Duration
Type *
Start EFR *
Daily EFR Increment
End EFR
remove
Add to advance
typeon drawamountday
Regular payback & voluntary apply to the whole advance; selective payback targets one draw. Regular payback also runs automatically each collection day — add extra here, or delete any on the ledger (✕).
ORG-18078:Paybacks Start Date = Date Funded + 1 weekday + Payment delay, and every date lands on a weekday — funding on a Friday or over a weekend rolls forward, it never collects on a Saturday. The collection day index runs 1, 2, 3… in weekdays from that start date, which is the same axis the early-payoff discount terms are counted on, so the discount periods coincide with the payment periods in either setting.
typeamountday
auto-payable / legal fees are covered first from any payment; an overpayment auto-covers unpaid fees. Charges show on the ledger (deletable ✕).