We Buy Future Restaurant Sales!

We Buy Future Restaurant Sales!

Vital Cash Flow Wealth Building Calculator
Powered by dual-pricing savings and smart, self-directed investing (educational example only).
See how redirecting your dual-pricing savings — plus any savings from reducing or eliminating third-party app fees — into a long-term investment, such as a low-cost index fund, could compound over time if you choose to invest.
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💼 Dual-Pricing Savings
Example: If you run $50,000 per month on cards at your restaurant.
Choose whether the card volume above is per month or per year.
This uses an example savings rate for illustration only (here, 3.8461%). Your actual savings will depend on your processing setup and pricing decisions.
This amount is calculated automatically based on your card volume and the example dual-pricing savings rate. Many independent restaurants see potential dual-pricing savings in the range of $3,000–$10,000+ per month once fully optimized. Your numbers may be higher or lower.
Optional: If you’d like to include the money you could save each month by reducing or eliminating third-party app fees, enter that amount here. We’ll add it to your dual-pricing savings as an additional monthly contribution in this example.
This example uses an 8.5% annual return, which sits within the 7–10% historical range often cited for long-term diversified stock market investments (such as broad index funds). Some investors choose low-cost, self-directed investments to help reduce management, transaction, and other fees that can erode returns over time. This is a hypothetical long-term rate used for illustration only. Actual investment returns will vary and are not guaranteed.
Wealth from Savings (Hypothetical)
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Example of what your savings could grow to over your selected number of years at the rate shown, if invested.
Example total monthly amount invested
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Enter your numbers above to see an example monthly breakdown.
Total you contributed (example)
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Growth from compounding (example)
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What You’re Really Giving Up in Fees (Illustrative)
Amount invested from dual-pricing savings (example)
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Amount invested from third-party app fee savings (example)
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Potential wealth from those savings (example)
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Overall ROI on total contributions (example)
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💡 Each month of dual-pricing and third-party fee savings can become a slice of future wealth — if you choose to invest it.
🍽 Keep your profit on cash, card, and online order transactions, then let Vital Cash Flow help support your long-term plan.
Year-by-Year Compounding Snapshot (Example)
Year Amount Invested Account Value Growth
This calculator uses a simple compound interest model with monthly contributions based on an example dual-pricing savings rate, plus any extra monthly savings you enter (such as reduced third-party app fees). It is designed to illustrate how compounding works over time, not to predict actual results.
Important: This Vital Cash Flow tool is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. The projections shown are hypothetical examples and not guarantees of future performance. We do not recommend or endorse any specific security, index fund, or investment product, and we do not provide personalized investment recommendations or manage investments. Before making any investment decisions for your business or personal finances, you should consult with a licensed financial advisor, CPA, or other qualified professional. When evaluating investment options, many people consider the total cost of professional management, transaction fees, and other expenses, since these costs can reduce long-term wealth significantly over time.
Advanced Strategy (Educational Only): Liquidity Without Disrupting Compounding
How some owners use self-directed accounts as a flexible funding back-up

Many business owners use self-directed investment accounts to build long-term savings while keeping access to liquidity when needed. In some cases, investors are able to borrow against the value of their investment account without selling the underlying assets. This allows the account to continue compounding while providing flexible access to capital — sometimes without traditional bank loan approvals and, in certain situations, at borrowing costs that may be lower than other forms of business funding.

1. Payments
Implement dual pricing and reduce third-party app dependence to keep more of each transaction.
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2. Savings
Redirect a portion of those savings into a self-directed, long-term investment account each month.
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3. Compounding
Allow contributions to compound over time, building a growing pool of business and personal wealth.
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4. Liquidity (In Some Cases)
Where permitted, some investors can borrow against account value instead of selling investments, helping preserve the compounding effect.
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5. Business Growth
Capital accessed this way may be used for expansion, marketing, or cash-flow support — depending on lender and platform rules.

This concept is shared for general educational purposes only and is not financial, tax, legal, or investment advice. Specific borrowing options depend on the investment platform, account type, applicable regulations, and your individual situation. Vital Cash Flow does not arrange securities-backed lines of credit or provide investment management. Always consult a licensed financial advisor, lender, or other qualified professional before implementing any borrowing or investment strategy.

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Vital Cash Flow beats

third-party apps — every time!

💵 Get upfront cash in 48 hours to strengthen your cash flow without traditional bank approvals.


🍽 Replace third-party apps with 0% commission eCommerce ordering and eliminate most processing fees with Dual Pricing.


🤖 Cut labor costs with an AI Team Member included free for 30 days — handling follow-ups, reviews, chat, calls, and more.

📈 Automatically invest your savings to build real long-term wealth, giving you freedom from lenders, funding, and the cash-flow stress that holds most restaurants back.

👉 Apply now — 10 minutes is all it takes to see if you qualify.

💵 Get upfront cash in 48 hours

🍽 Replace costly apps with 0% commission eCommerce orders

🤖 Cut labor costs with a free AI team member

👉 Apply now — it takes just 10 minutes to see if you qualify.