Business Funding Calculator

Estimate your repayments, total cost of capital, and affordability across all our funding products.

Merchant Cash Advance

Estimate daily/weekly remittance and total payback based on your advance amount and factor rate.

Your Estimate

Enter your numbers and click Calculate
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Fill in the fields on the left and click Calculate to see your personalized funding estimate.

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Understanding Your Funding Options

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What is a Factor Rate?

A factor rate (e.g. 1.30) is multiplied by your advance amount to get total payback. A $50,000 advance at 1.30 = $65,000 total — no compounding interest.

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APR vs. Factor Rate

MCAs use factor rates, not APR. The cost is fixed regardless of how fast you repay, which provides predictability for budgeting.

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How Lines of Credit Work

You only pay interest on what you draw, not the full credit line. Repay and draw again as needed — perfect for managing cash flow gaps.

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Equipment Financing Benefits

Equipment serves as collateral, enabling better rates. You preserve working capital while acquiring revenue-generating assets.