Compare net funding (after fees), total payback, payment amount and frequency, term, and early-payoff terms. Total payback ÷ net funding shows the true multiple.
Check my optionsCost and offers
Offers arrive in different formats: interest rates, factor rates, origination fees, daily or weekly payments. Comparing them fairly means converting every offer into the same set of numbers and reading the same terms in each.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
Approved files are usually funded the next business day.
Your file goes to funders that fit it, so offers can be compared.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Build a comparison table with one column per offer and these rows: amount approved, fees deducted, net cash received, total payback, payment amount, payment frequency, number of payments, estimated term, early-payoff terms and any prepayment penalty. Fill in every row for every offer; if a funder will not provide a number, that is information too.
Calculate two derived figures. Total cost is total payback minus net cash received, which shows how many dollars the money costs. Payment burden is the payment converted to a monthly figure, so a daily debit of $300 becomes roughly $6,300 a month across 21 business days, which you can compare directly with a monthly loan payment and test against your slowest month.
Then compare terms that do not fit in a number: whether a reconciliation clause allows payments to adjust if receivables drop, what triggers default, how renewals work, whether a personal guarantee is required and what it covers, and whether a UCC filing will be made. Two offers with similar costs can differ greatly in how they treat you if business slows.
Several states require standardized commercial financing disclosures that present many of these figures in a common format; ask for them where they apply. Through MFE, one application can bring multiple offers, and the same table works for all of them. Credit from 500 is considered.
Here is one offer filled into the comparison rows. Illustrative numbers.
| Amount funded | $75,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $93,750 |
| Fees deducted at funding (5%) | $3,750 |
| Net cash you receive | $71,250 |
| Weekly payment over 48 weeks | $1,953 |
| Same total as daily debits (~240 business days) | $391/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Net cash received | Amount minus fees |
| Total payback | Everything you repay |
| Total cost | Payback minus net cash |
| Monthly payment burden | Daily or weekly converted to monthly |
| Key terms | Reconciliation, default, renewal, guarantee |
Good fit:
Probably not yet:
Convert both to total cost in dollars and monthly payment burden.
The approved amount minus any fees deducted at funding.
Multiply the daily payment by about 21 business days to get a monthly figure.
Reconciliation, default triggers, renewal terms and guarantees.
Several do for many commercial financing offers.
A marketplace like MFE can return several from one application.
Yes, subtract fees from the funded amount to find net cash, then compare total cost against net cash.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding