Simulator

See the numbers before you act

Every number Runway produces comes from a formula you can try here. Nothing on this page touches the chain or your wallet: change any input and the results update instantly.

Offer simulator

Type a merchant's revenue for each 5-minute window. You get the exact score, grade, limit, fee and repay share the underwriter would compute.

Revenue per 5-minute window (USDC)

Oldest first. The underwriter looks at completed windows only, up to the last 6, starting from your first sale. An empty window counts as 0.

W1W2W3

Loans repaid before 0More repaid loans raise the score and the cap: 100 → 250 → 500 → 1,000 USDC.I attach a statement that matches this revenue (NEAR AI reads it privately)

The underwriter would say

Offer

Limit100.00 USDCFee10.00% = 10.00You repay110.00 USDCRepay share9.17% of each sale

Score 42.50 / 100C ≥ 40 · B ≥ 55 · A ≥ 75

With a 9.17% share, the 110.00 USDC is repaid after about 1,199.56 USDC of sales, about 3 windows of your median revenue.

Where the score comes from

Stability35.00 / 35

How even your windows are (CV 0.00; 0 is perfectly even).

History0.00 / 25

Loans repaid before: 0 of 4 counted.

Diversity0.00 / 15

Many different payers. Unknown for crypto payments on testnet, so 0.

Trend7.50 / 15

Last 2 windows vs earlier ones: × 1.00 (1.00 = flat).

Corroboration0.00 / 10

Upload a bank or Stripe statement to add up to 10.

›Show the formulas with these numbers

Median window R400.00 USDC

Windows with revenue (need 3)3 of 3

R × k(C) = 400.00 × 0.3120.00

Tier cap (0 loans repaid, no identity anchor)100.00

Repayable in 3 windows at the max 25% share272.72

Limit = the smallest of these (and 15,000 max)100.00

Fee = limit × 10.00%10.00

Repay share = owed ÷ (3 × R), between 5% and 25%9.17%

Same code as the underwriter agent (@runway/scoring). The real offer also checks your identity anchor, payer diversity from UPI receipts and statements, so it can differ a little.