Tools and calculators

Run your numbers before you talk to anyone

No sign-up, no catch. These calculators do the math the same way we do, so you can see the real cost of funding for yourself. When you want a straight read on your actual situation, we are one call away.

True cost of an advance Loan payment Consolidation snapshot

True cost of a cash advance

A merchant cash advance is priced with a factor rate, not an interest rate. Enter the numbers to see what you would actually pay back, and roughly what that costs on an annual basis.

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Most advances fall between 1.20 and 1.50. The higher the factor, the more you pay back.
How long until it is fully repaid. Shorter periods drive the effective cost much higher.
Total you pay back $140,000
Amount you receive$100,000
Total cost of the money$40,000
Estimated payment / business day$741
Approx. annualized cost53%
The annualized figure is a simple estimate for comparison only. Because an advance is repaid on a fixed schedule from your sales, the precise effective rate depends on the exact terms. For the real number on a specific offer, ask us and we will run it.

Loan payment calculator

For term loans and other fixed, amortizing financing. Enter the amount, the annual rate, and the term to see your monthly payment and what you pay over the life of the loan.

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Your rate depends on the product and your business profile. Drag to model different scenarios.
How long you have to repay. Longer terms lower the monthly payment but raise total interest.
Estimated monthly payment $5,127
Loan amount$150,000
Total interest paid$34,572
Total of all payments$184,572
This assumes a standard fixed, fully amortizing loan with equal monthly payments. Actual offers may include fees or different structures. We always show you the full cost of a real offer before you sign.

Consolidation snapshot

Carrying several advances? Enter the daily payment on each one to see what they are draining from your cash flow together, and how a single payment could free things up.

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A rough daily figure to compare against. We work out the real one from your positions.
Current drain, per month $15,330
Combined daily payment$730
Per week (5 business days)$3,650
Per month (about 21 days)$15,330
A single $450 daily payment would free up $280 a day, about $5,880 a month, back into your business.
This is a cash-flow snapshot, not an offer. A lower daily payment can come with a longer timeline or higher total cost. We show you that full tradeoff before you decide anything. See the consolidation page for how it works.

Want the real numbers for your business?

These tools get you close. A short conversation gets you exact. Send us your situation and we will run your true options at no cost.

See your options →

Numbers look heavy? Let us find you a better fit

We bring you direct offers from our private funding partners and tell you straight which one costs you the least. One conversation, no obligation.

See your options → Or call (848) 420-8444