What will this funding really cost?
Many business funding offers quote a factor rate instead of an interest rate. Enter any offer below to see what you pay back, what each payment is and the total cost in dollars.
A 1.28 factor rate means you pay back $1.28 for every $1 you get.
An estimate for comparing offers, not an offer or a commitment to fund. Your real offer shows the exact terms.
Reading the result
The total cost is what you pay back minus what you get. With a 1.28 factor rate on $50,000, you pay back $64,000, so the funding costs $14,000. Cost per $1 puts offers of different sizes on the same footing: $0.28 means every dollar you get costs 28 cents.
The payment is the payback spread evenly over the term. Real offers may take payments daily on business days, weekly or on another schedule, and some fees are taken out of the amount you receive. Check both in the written offer.
Comparing offers
- Compare what reaches your business account after any fees, not just the approved amount.
- Compare the total you pay back and the cost per $1, not only the factor rate.
- Check that the payment fits your cash flow on a slow week, not just an average one.
- Ask how early payoff works; some offers reduce the cost if you pay early and some don't.
This calculator is an estimate for comparing offers. It is not an offer or a commitment to fund, and it does not include fees. Your written offer shows the exact terms. Read our guide to factor rates, APR and total cost.
Get real numbers for your business.
Apply once and every offer comes back side by side, with the total cost in dollars.