Work out what an advance actually costs
Enter the offer you have been given. This shows total payback, the real cost in dollars, and what each payment takes out of the business.
What it costs to clear early
We apply an early payoff discount at 30, 60 and 90 days. Most factor-rate funders apply none, so ask for these three figures on any offer before you sign. The exact discount depends on the file — the figures above show the balance still outstanding at each point, which is what a discount is applied against.
Reading this honestly: a factor rate is not an APR. The number that matters is total dollars repaid and what the payoff drops to if you clear it early. Why factor rates and interest rates are not comparable →
What the output is telling you
Total payback is everything you will repay. Cost of the money is that figure minus what you received — the actual price. Taken per month is the number that decides whether the business can carry it, and it is the one most people fail to check before signing.
If the monthly number looks too high
That is useful information, not a dead end. It usually means the file should be pointed at a different product rather than a smaller advance.
A term loan at 0% origination with weekly payments carries a materially lower monthly burden at the same funded amount — if you clear 3 years in business and a 650 credit score.
Check which tier you land in: the published requirements →
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
How do I calculate a factor rate?
Multiply the amount advanced by the factor rate. $50,000 at 1.35 is $67,500 in total payback, so the cost is $17,500.
Is a factor rate the same as interest?
No. A factor rate is fixed at funding and does not accrue over time. Interest is charged on the balance still outstanding.
What is a good factor rate?
Most advances land between 1.15 and 1.50. The lower figure generally requires stronger revenue, longer time in business and a cleaner bank statement.
Does paying off early reduce a factor rate?
With us yes — we discount at 30, 60 and 90 days. Most factor-rate funders do not, so confirm it in writing.
Is this an offer?
No. It is a calculator. Actual terms depend on your file.