Free funding calculator
What does this funding really cost?
Headline pricing hides the figure that matters. Enter the amount, how it is priced and the term, and see the total repayable, the total cost of the money and an estimated APR — before anything is signed.
It runs on your own figures, in your browser. Nothing is sent or stored.
The headline is only part of the story.
- 01 · Enter the amount and pricing structure
- 02 · See total repayment and estimated cost
- 03 · Compare a different annual rate
Illustrative calculations from your inputs, not a funding quote.
01
What were you quoted?
02
What it really costs
- Total repayable
- $130,000
- Total cost of the money
- $30,000
- Estimated APR
- 153.3%
- Approximate monthly outflow
- $21,666.67 / mo
The APR is an estimate built on the term you entered. An advance priced on a factor collects as takings arrive — if trading slows, the real term stretches and the real rate falls; if trading runs hot, it shortens and rises. The total repayable does not move.
Worth asking whoever quoted it
- What is the total repayable in dollars, in writing?
- What happens to the payments if trading slows?
- Is a personal guarantee involved, and what does it reach?
- What does repaying early actually change — and is there a charge for it?
- Which fees are not in the headline figure?
03
What to do with the number
A high number is not automatically a bad deal — speed and access have a price, and sometimes it is the right price to pay. It is only wrong when you find it out afterwards.
This is arithmetic on your own figures, not an offer, a quote or a recommendation of any route. Funding decisions and their consequences stay with you.