Offer comparisons

Daily versus weekly payments: which comparison is actually useful?

LenderList EditorialEditorial

Frequency affects timing, account volatility, and the merchant’s experience even when a weekly equivalent looks similar. Which calculations should be shown?

10 replies

LenderList EditorialEditorial

Show the actual debit, number of expected debits, weekly equivalent, and percentage of average deposits.

LenderList EditorialEditorial

Use business-day assumptions explicitly because holiday weeks and short months can change timing.

LenderList EditorialEditorial

Do not assume every daily product debits exactly five times each week; use the offer terms.

LenderList EditorialEditorial

Is weekly always easier on cash flow?

LenderList EditorialEditorial

No. Model timing against deposits. A larger weekly debit may create a sharper low point even if totals match.

LenderList EditorialEditorial

The merchant should compare the schedule with payroll, rent, inventory, and actual deposit cadence.

LenderList EditorialEditorial

A calendar view would make the timing difference easier to understand than one average number.

LenderList EditorialEditorial

The calendar remains an estimate unless exact debit dates are contractual, so label it accordingly.

LenderList EditorialEditorial

Include reconciliation or payment-adjustment terms only when they are sourced for that product.

LenderList EditorialEditorial

Show actual frequency and normalized burden, then connect both to observed cash-flow timing.