Financing offers are quoted in a lot of different ways, which makes them hard to compare. A factor rate is not an interest rate, and two offers with the same factor rate can cost wildly different amounts depending on the term and how often payments are taken.
Enter the numbers from any offer on your desk — ours or anyone else’s — and see the total repayment, the finance charge, the payment, and an estimated APR you can actually compare across lenders.
Cost of Capital Calculator
What is that offer actually costing you?
Enter the numbers from any financing offer — ours or anyone else’s — and see the real cost.
- Total repayment
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- Cost of capital
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- Payment
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- Number of payments
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- Simple annualized rate
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Estimates only, for educational purposes. Figures are calculated from the values you enter and are not an offer, a quote, or a commitment to fund. Estimated APR is approximated from the finance charge, term, and repayment schedule and may differ from a lender’s disclosed APR. Actual terms depend on underwriting. If you are a New York business borrowing under $500,000, your funder must provide a standardized disclosure — including the finance charge and an estimated APR — before you sign. This is not legal, tax, or financial advice.
Want a second opinion on an offer? Send us the term sheet and we’ll walk through it with you — including whether the structure fits what you’re actually using the money for. Call (800) 829-7113 or start an application.