All calculators
Four calculators, one method: every result is an estimated APR or an after-tax cost in today's dollars, worked out the same way regardless of how the offer was quoted to you. Start with whichever matches the financing you're looking at, or read the guides first if you want the reasoning before the numbers.
Merchant cash advance calculator
Turn a factor rate into an estimated APR, with fees and daily or weekly payments.
Business loan comparison calculator
Compare up to three offers by total cost and true APR, including origination fees.
SBA 7(a) loan calculator
Monthly payment, guaranty fee for the current SBA fiscal year, and the rate cap check.
Equipment lease vs. buy calculator
After-tax comparison with Section 179, bonus depreciation, FMV and $1-buyout leases.
Not sure which one applies?
Priced as a factor rate (like 1.35) that you multiply by the advance? Use the merchant cash advance calculator. Quoted as an interest rate, a flat rate, or a total amount to repay? Use the loan comparison calculator, which also accepts an MCA's numbers if you want to put the two side by side. Backed by the Small Business Administration? Use the SBA 7(a) calculator. Deciding whether to lease or buy equipment? Use the lease vs. buy calculator.