Capital deployment model

What will the capital actually do?

Most funding decisions skip this step. Choose the product, set your numbers and assumptions, and see the illustrative effect of how you deploy capital — alongside what it truly costs, what it does to cash flow, and what growth will demand of your operation.

Your inputs

Adjust anything. Every number here is yours to set.

Funding productiEach product prices differently. An MCA uses a flat factor rate. A term loan, line of credit, or equipment financing uses an APR that accrues over the term, so a longer term costs more in total. The model reflects one product at a time.

Capital under consideration$100,000

Current monthly revenue

Gross marginiThe share of each sale left after the direct cost of delivering it. New revenue is only worth this fraction in gross profit.50%

How you'd deploy itiSplit the capital across where it goes; shares are normalized to 100% automatically. Operations is the systems-and-capacity layer that lets the growth land — deploy into it here, and see the strategic OpsPal layer on the right.Shares are normalized automatically

Marketing35%

Team / hiring20%

Equipment15%

Inventory15%

Operations10%

Other5%

Assumptions & capital terms

These drive the model. Defaults are deliberately conservative. The multiples are the revenue each $1 deployed is assumed to generate over twelve months — assumptions, not promises. Drag a slider, or type your own value in any box to go beyond it.

Marketing returniRevenue generated per $1 put into marketing over 12 months. 3× means $1 of spend returns $3 of revenue — not profit.×

Team returniRevenue generated per $1 put into hiring over 12 months, once the people are ramped.×

Equipment returniAdded revenue per $1 of equipment over 12 months, from added capacity or throughput.×

Inventory returniRevenue per $1 of inventory over 12 months. Often the highest multiple because inventory turns into sales directly.×

Operations returniRevenue enabled per $1 put into operations and systems over 12 months — the added capacity, throughput, and efficiency that let your other deployments actually land. The layer OpsPal builds with you.×

Other returniRevenue per $1 for everything else — overhead, software, contingencies. Usually the lowest direct return.×

Realization (ramp)iHow much of the modeled return you actually capture in year one. Below 100% accounts for ramp-up, execution gaps, and timing.85%

Cost of capital (factor)iMCA cost as a factor of the amount. 1.30× means you repay $1.30 for every $1 advanced — a 30% cost that does not change with the term.1.30×

Cost of capital (APR)iAnnual percentage rate. Interest accrues over the term and is built into a fixed monthly payment, so a longer term means more total interest paid.18%

Repayment termiHow long you repay. For an MCA this sets the remittance pace, not the total cost. For APR products, a longer term lowers the monthly payment but raises total interest.9 mo

Revenue per employee / yriUsed to estimate how many hires the new revenue implies. A lower number means more headcount per dollar of growth.

Illustrative only, for a merchant cash advance. Built from the assumptions you set. Not a forecast, a projection of guaranteed results, or financial advice.

Read

Illustrative incremental revenue · 12 months $0 range —

Revenue today (annualized)$0

Illustrative revenue after$0

Incremental gross profitiNew annual revenue multiplied by your gross margin — the profit the growth actually adds before the cost of capital.

annual, at your margin

Cost of the capitaliTotal cost over the full term: the factor premium for an MCA, or total interest for an APR product.

total cost

Net over the termiIncremental gross profit earned across the financing term, minus the total cost of the capital. Negative means the cost outweighs the return on these assumptions.

GP over term minus cost

Payback on costiHow many months of new gross profit it takes to cover the total cost of the capital.

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from new gross profit

The operations layer

Strategic · OpsPal iOperations is the layer that lets the business absorb the growth the capital creates — systems, hiring, and fulfilment capacity built before the revenue arrives. You can deploy capital into it on the left; this is the part we build with you, through OpsPal.

Capital is half of it. Carrying the growth without your systems and team breaking is the other half — the part most funding partners never mention, and the part we build with you.

See how OpsPal carries the growth

Monthly repayment vs new gross profit

Pressure-test this with us.

These are your assumptions. We will sit on your side of the table, stress the numbers, and tell you honestly whether the capital warrants the cost, and what deploying it will take.

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Obsidian Venture Partners is a capital advisory firm and is not a direct lender. This tool is an illustrative model based entirely on inputs and assumptions you provide for the product you select. It is not a forecast, an estimate of guaranteed results, a financing offer, or financial, legal, or tax advice. Actual outcomes, rates, and terms depend on execution, market conditions, and a funding partner's underwriting and approval. Figures are rounded and shown as ranges to reflect uncertainty.