Financing break-even calculator
Financing extra stock for Black Friday only works if the margin it unlocks beats the fee. Enter your margin, how much you’ll finance and the fee to see the exact share of the stock you need to sell for the financing to pay for itself.
Your numbers
The Black Friday stock you’ll fund with financing.
Total, over the life of the financing.
The share of the extra stock you expect to sell in the window.
Break-even sell-through
is all of the extra stock you need to sell for the financing to pay for itself.
You expect to sell around 90%, roughly 27x past break-even. Almost the whole order lands as profit on top of the fee.
Amount financed
$100,000
5% fee applied
Financing fee
$5,000
5% total
Profit at ~90% sell-through
+$130,000
after the fee
The default fee is for illustration only. It is not an offer of financing, a quote, or indicative of any Wayflyer financing terms. Actual fees depend on your application. Estimates only, based on the numbers you enter.
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Apply for fundingFinancing break-even FAQ
It shows the exact share of a financed stock order you need to sell for the financing fee to pay for itself, given your margin. Enter your gross margin, how much you're financing and the fee, and it works out your break-even sell-through, plus what full sell-through would mean for profit.
It depends on whether the margin from the extra sales it unlocks beats the fee, which is exactly what this tool checks. Financing extra inventory can help you meet demand you'd otherwise miss during the sale, but it only pays off if enough of that stock actually sells.
Break-even sell-through is the share of the financed stock you need to sell, at your margin, for the profit on those sales to cover the financing fee. Below that share, the financing costs you more than it earns; above it, every extra unit sold is profit on top.
The main risk is the stock not selling as expected: if sell-through falls short of your break-even, the financing hasn't paid for itself and you're carrying both the fee and the unsold inventory. That's why this tool asks for your expected sell-through directly, rather than assuming everything you finance will sell.
At a 0% fee there's nothing to pay back, so every unit of the extra stock you sell is pure upside with no break-even to clear. The default fee in this tool is for illustration only and isn't a quote or an offer of financing.
That means the break-even sell-through is above 100%, so you'd need to sell more than the entire extra order just to cover the fee at your current margin. Revisit the margin, the amount financed or the fee before committing, since as entered the numbers don't work in your favour.
Check the maths on the discounts you're financing stock for with the discount break-even calculator, work out how much stock to order in the first place with the order quantity calculator, or browse the full Black Friday toolkit.