The tools
Factor rate calculator
What an advance really costs: total payback, cost in dollars, each payment. Open →
Advance payoff calculator
Where you stand on an advance you already have, and whether a buyout or renewal is open. Open →
Qualification checker
Five questions against the real thresholds. Tells you which tier you land in. Open →
Why there is no email wall
Most funding calculators exist to capture a phone number. You enter your figures, and instead of an answer you get a form and a call within the hour.
These give the number on the page. If the answer is that you do not qualify yet, the tool says so, because a tool that only ever produces an encouraging result is not a tool.
All figures match our published terms. See the requirements in full →
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
Are these free?
Yes, and no signup or email is required.
Will using them affect my credit?
No.
Are the results an offer?
No. They are calculations and threshold comparisons. Underwriting reviews bank statements before any offer.
Where do the numbers come from?
The same published product terms and underwriting thresholds used across this site.