Calculator
Enter what each offer actually says: the amount, the fees taken at funding, any payoff, the total repayment and the payment. See net cash, cost per dollar and a dated schedule side by side.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
Headline amounts are the least useful number in an offer. The calculator starts from what lands in your account: net cash = funded amount minus fees taken at funding. If part of the money pays off an existing advance or loan, it also shows new cash, which is what you can actually spend.
It then builds a payment calendar from the funding date. Daily payments land on business days only (weekends skipped), weekly and biweekly payments every 7 or 14 days, monthly payments on the same date each month. The last payment is trimmed so the schedule adds up to the exact total repayment.
From that calendar it solves for the annual rate at which the dated payments are worth exactly the net cash you received. That is the estimated annualized cost. It is a way to compare offers with different speeds of repayment on one scale; it is not the APR printed on any disclosure, and it ignores bank holidays.
Two offers for the same $50,000, funded on November 2, 2026:
| Offer A | Offer B | |
|---|---|---|
| Fees taken at funding | $1,500 | $0 |
| Net cash | $48,500 | $50,000 |
| Total repayment | $67,500 | $64,000 |
| Payment | $2,596.15 weekly | $640 each business day |
| Number of payments | 26 | 100 |
| Repayment per $1 received | $1.39 | $1.28 |
Offer B costs $5,000 less in dollars and less per dollar received. It also repays faster, in 100 business days against 26 weeks, and because the money is out for a shorter time its annualized cost comes out about level with A, near 135% on both in this illustration. So the real question is the payment: if your cash cycle can carry $640 every business day, B is the cheaper money. If daily debits would squeeze payroll weeks, A spreads the load. The calculator shows every number so the choice is about your cash flow, not the headline.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Several states require a written disclosure of these numbers for commercial financing. See disclosure rules by state, and the step by step guide to net proceeds and total remittance.
Pick on cost only after the payment passes a cash test. Run the payment through the payment burden calculator with your real weekly deposits and a slow-month case. An offer that costs a few cents less per dollar but overdraws the account in a slow week is the expensive one.
When you are ready, a quick qualification check does not affect your credit, and the application takes about five minutes.
No. It is calculated from the dated payments you enter and the net cash you receive, without bank holidays or any fees you leave out. It is useful for comparing offers on one scale; the disclosure on a real offer is the document to rely on.
Because the money is repaid faster. The same total repaid over fewer weeks means each dollar is outstanding for a shorter time, which raises the annualized figure even when the dollar cost is lower.
Yes. Enter it so the calculator shows new cash. The cost per dollar is still measured on net cash received, because the payoff is money you received and used.
Multiply the funded amount by the factor rate to get the total repayment, then enter the payment amount and frequency from the offer.
Yes. Every offer shows the amount, the full repayment amount and the payment schedule before you accept.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
