What does that funding really cost?
Free calculators that turn factor rates, fees and lease quotes into numbers you can compare. No sign-up, and your figures never leave your device.
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.
Why these numbers are hard to compare on your own
Business financing isn't priced like a consumer loan. A merchant cash advance quotes a factor rate instead of an interest rate, a short-term lender quotes a total payback instead of an APR, and fees can be deducted upfront, added to the balance, or paid separately. Federal Truth in Lending rules, which force a standard APR onto consumer credit, generally don't apply to business financing at all. Every calculator here takes whatever a provider quoted you and converts it to the same two numbers — an estimated APR and a total dollar cost — using the actuarial method set out in Regulation Z, Appendix J, so an advance, a term loan and an SBA loan all land on a scale you can actually compare.
Learn how financing is priced
Read the guides, from factor rate vs. APR toSBA 7(a) guaranty fees, or check whichstates require cost disclosures on business financing.