Enter the amount and factor rate to see what an offer really costs in dollars, and what share of your revenue it takes.
Enter the numbers from an offer you have, or one you are considering. Everything runs in your browser. Nothing you type here is sent or saved.
A factor rate is a multiplier applied to the amount you receive to get the total you repay. A factor of 1.38 on $50,000 means you repay $69,000, so the cost is $19,000.
No. A factor rate is a fixed cost for the whole term, not an annual percentage, so it cannot be compared directly with a bank loan rate. Compare the total dollars repaid and the payment size instead.
There is no single rule. Many owners aim for repayments well under 15 to 20 percent of monthly revenue, and lower when margins are thin or revenue is seasonal.
It depends on the contract. Some advances give no discount for early repayment, so ask before you sign.
Yes. Request a financing review and send us the offer. We will explain it in dollars and tell you whether another structure looks possible.
Request a financing review. We call you back within 2 hours during business hours. Same-day approval is possible, and requests under $100,000 can be funded in as little as 2 business days. No obligation.
Request a financing review Call 403-827-1014Also free: Business loan document checklist • Advance cost calculator • Borrowing capacity estimator • Receivables aging analyzer • 13-week cash flow template • Capital Readiness Score