Business Funding Calculator
Know your numbers before you borrow. Model total payback, cost of capital, and daily or weekly payments on any funding amount. Free, instant, no signup.
3-minute application · No credit impact to check options · Offers within hours
Factor Rate & Payment Calculator
Drag the sliders to see how amount, factor rate, and term shape your payments.
How Factor Rate Pricing Works
A factor rate prices funding as a single multiplier instead of an annual percentage. Multiply the amount funded by the factor rate and you have the entire payback. The calculator above does exactly that: $50,000 at a 1.25 factor is $62,500, so the cost of capital is $12,500. That cost is fixed the day you sign and never compounds: there’s no accruing balance and no variable rate. Any fees are spelled out in your funding agreement, so read it before you sign.
What moves the rate is the same thing underwriters read in your last 4 months of bank statements: monthly revenue and deposit consistency, time in business, and industry. Steadier deposits generally earn lower factors. For a deeper walk-through - including how to translate a factor into total dollar cost - see the math behind factor rates.
Payment structure matters as much as price. Factor-rate products like a merchant cash advance are typically repaid in small daily or weekly remittances sized to your revenue, while term loans carry a fixed payment on a set schedule you can budget around. Toggle the frequency above to feel the difference, then compare merchant cash advances, term loans, and lines of credit side by side.
Comparing offers quoted as factor rates? The merchant cash advance calculator converts a factor to cost per dollar and an annualized cost you can hold against any other quote.
Two More Calculators Owners Reach For
How Much Could You Qualify For?
Three questions, revenue, time in business, and credit, and the affordability calculator returns an instant estimated funding range. Nothing submitted, nothing stored.
Estimate my range →Working Capital Calculator
Current assets minus current liabilities: your position and your ratio from two inputs, with guidance on how to read them.
Check my position →New to working capital? Start with the guide.
What Are Your Current Daily Payments Costing You?
Carrying one or more advances with daily withdrawals? Add them up and see the real weekly, monthly, and yearly outflow.
Want These Numbers in Your Inbox?
We’ll send you a copy of the results you just ran so you have them when you’re comparing options. A real advisor may follow up once by email: no spam, no drip campaign.
Calculator FAQs
What is a factor rate?
Revenue-based funding is often priced with a factor rate instead of an interest rate. Multiply the amount funded by the factor rate to get the total payback. Example: $50,000 at a 1.25 factor = $62,500 total payback. Unlike interest, the cost is fixed up front and doesn't compound.
How is a factor rate different from an interest rate or APR?
An interest rate accrues over time on your remaining balance, so the total cost depends on how long you carry the debt. A factor rate is a one-time multiplier: total payback is fixed the day you sign and never grows. Because the two price money differently, the fairest comparison is total dollar cost. Our factor rate guide walks the conversion step by step.
Are these estimates an offer?
No, this calculator is for illustration only. Your actual offer depends on your business's revenue, time in business, industry, and bank activity. Apply online in under 3 minutes (no credit impact) to receive a real, personalized offer within hours.
How are daily and weekly payments calculated?
We divide the total payback across the term using roughly 21 banking days or 4.33 weeks per month. Real payment schedules vary by product and agreement, and your advisor will walk you through the exact numbers before you sign anything.