Business funding calculator.
Adjust the capital sliders to see estimated factor rates, total repayment obligation, and projected daily payments for businesses like yours. Transparent cost calculations out in the open—no mandatory signups, no credit hits, and no sales pressure.
Estimated factor-rate range for 9 months: 1.22–1.34×
These are illustrative ranges only—not an approval or a quote. Your actual factor depends on revenue, cash flow, time in business, industry, and existing obligations. No hard credit pull to request formal terms.
Early payoff terms and discounts vary by funding provider and contract. Review the specific agreement for applicable payoff terms.
Factor rates shown are illustrative estimates used for calculation purposes and are not an offer, approval, or guaranteed pricing. Actual pricing varies by provider, business profile, and contract. Term selections are illustrative for comparison purposes; available structures vary by provider and offer. Daily payment estimates assume approximately 21 business payment days per month; actual payment schedules vary by contract.
*Illustrative estimates only—not an approval, quote, or offer of funding. Final amounts, factor rates, and payback terms depend on manual review of your business bank statements and vary by provider.
How the business funding calculator works
How total payback is calculated
Revenue-based structures use factor-rate pricing rather than compounding interest. Your total payback equals the funding amount multiplied by the factor rate—for example, $100,000 funded at a 1.20 factor rate results in a $120,000 total payback. The cost of capital is the difference between the two.
What is a factor rate?
A factor rate is a simple decimal multiplier (such as 1.15 to 1.35) that sets your total repayment upfront. Unlike an interest rate, it does not compound over time. Learn more about business funding costs.
Why payment frequency matters
Daily and weekly payments add up to the same total payback, but they affect cash flow differently. Frequent small payments can suit steady daily revenue; weekly payments may fit invoice-driven businesses better. Compare the payment schedule against your actual cash-flow rhythm before deciding.
How to compare funding offers
Look at the net proceeds, factor rate, total payback, payment amount, frequency, estimated duration, fees, and any early payoff terms—not just the funded amount. The lowest factor rate isn't always the cheapest once fees and payment frequency are included.
Important calculator limitations
These figures are estimates for illustration only. They are not an approval, a quote, or a guaranteed offer. Your actual terms depend on a manual review of your bank statements and vary by provider. Using the calculator is free, anonymous, and does not trigger sales contact or a credit pull.
Calculator FAQs
Is this calculator an approval?
No. The calculator shows illustrative estimates only. It is not an approval, a quote, or a guaranteed offer. Actual terms require a review of your bank statements and vary by provider.
Does using it affect my credit?
No. The calculator is free, anonymous, and requires no credit pull. It does not trigger sales contact. You decide when to submit an application.
Is a factor rate the same as APR?
No. A factor rate is a simple multiplier that sets total payback upfront. APR annualizes the cost of a loan over time and includes compounding. A 1.30 factor rate is not the same as a 30% interest rate.
Does early payoff reduce the total payback?
Early payoff terms vary by provider. Some offer early payoff discounts; others do not. Any early payoff terms are disclosed in your agreement before you sign.
Ready for real terms instead of estimates?
Submit your application online in minutes. Soft credit check only, no upfront costs, and no obligation to accept any offer.