Guides

How business financing is priced, with worked examples. Every number in these guides comes from the same engines as our calculators.

• Factor rate to APR table

  Estimated APR for factor rates 1.10–1.50 across common terms, daily and weekly.

• Factor rate vs. APR: what a merchant cash advance really costs

  Why a 1.35 factor rate is not 35%, how to convert a factor rate to an APR, and why the term matters more than the factor rate itself.

• FMV lease vs. $1 buyout lease

  How fair market value and $1-buyout equipment leases differ in cost, tax treatment and ownership, with a worked after-tax comparison.

• How SBA 7(a) guaranty fees work

  How the SBA 7(a) upfront guaranty fee is calculated, the fee tiers and waivers for fiscal 2026 and 2027, and what the fee does to your APR.

• How to compare business loan offers

  A step-by-step way to compare business loan offers quoted in different ways, with worked examples of origination fees, flat interest and short terms.

• Section 179 vs. bonus depreciation for equipment

  How Section 179 and 100% bonus depreciation compare in 2026: limits, the taxable income rule, when each applies, and what faster deductions are worth.

• What is a holdback percentage?

  How a merchant cash advance holdback works, how to estimate the daily payment and payoff time, and why higher sales mean a higher APR.