Business Funding Cost Calculator

See total repayment, your daily or weekly payment, and how much of your monthly revenue it would use, including payments you already make.

Type of funding

Amount you need ($)

Factor rate (e.g. 1.30)

Repayment term (months)

Payment frequency

Your monthly revenue ($)

Existing funding payments per month ($)

How it works

Advance: total repayment is the amount times the factor rate, split into equal payments over the term.
Loan or line: a standard amortizing payment at the APR you enter.
Daily payments assume 22 business days a month, weekly assumes 4.33 weeks.
Payment burden adds your new monthly payment to existing funding payments and divides by monthly revenue.

Planning tool only. Results come from the numbers you enter. They are not an offer, a quote or a promise of approval. Actual terms depend on your bank statements, credit and the funder.

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Calculator FAQs

What does the payment burden number mean?

It is your new payment plus existing funding payments, as a share of monthly revenue. Under about 10% is generally comfortable, and over 20% or 30% leaves little room. This is a planning guideline, not a funder rule.

Where do I get the factor rate or APR?

Use the figures on an offer you have, or try a few values to see how cost changes. The calculator does not know what any funder will offer you.

Why is the estimated APR so high for an advance?

Short repayment terms compress the cost into a few months, so the annualized figure looks large even when the dollar cost is modest. Compare total repayment and payment size, not APR alone.

Is this a quote?

No. It is a planning tool based only on the numbers you enter. Actual offers depend on your bank statements, credit and the funder.

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