Tools
Business Funding Calculators That Show the Real Numbers
Price an offer, work out a payment, or compare every funding product against your business before you talk to anyone. Free, no sign-up, nothing leaves your browser.
How Do I Figure Out What Business Funding Will Cost?
For a merchant cash advance, multiply the advance by the factor rate to get the payback, then convert it to an estimated APR using the term. For a loan, calculate the amortizing payment from the rate, term and amount, and add any origination fee to find the effective APR. Then compare the annual cost and the monthly payment side by side.
Which Tool to Use
| If you have | Use | You get |
|---|---|---|
| An MCA or revenue-based offer with a factor rate | Factor rate calculator | Payback, payment, cost, estimated APR |
| A loan offer with an interest rate and term | Loan payment calculator | Payment, interest, fee impact, schedule |
| No offer yet, or several to weigh | Comparison tool | Fit, speed and cost for every product |
Comparing Two Offers the Right Way
A factor rate and an interest rate cannot be compared directly. Put the MCA offer through the factor rate calculator and note the estimated APR and the monthly equivalent payment. Put the loan through the payment calculator and note its effective APR with fees and monthly payment. Now you are comparing like with like: what each costs per year, and what each takes out of your account every month.
The cheapest offer is not always the best one. If the lower-cost option takes three weeks and payroll is due Friday, or its payment is more than your deposits can carry in a slow month, it is the wrong fit. Check price, payment and timing together.
Real Situations, Worked Through
See how the numbers play out for specific businesses:
- Business makes $100K per month: what funding options could it have?
- What happens if your business has 5 NSFs in the last 3 months?
- Can you get business funding with an existing MCA?
- Strong revenue but a 550 credit score: what are the options?
- Construction company waiting 60 days on receivables
- Restaurant doing $150K monthly: term loan vs line of credit vs revenue-based funding
October 2026 Update: Rates, Approval Odds and Costs
Three things changed since this guide was last reviewed, and all three affect the numbers above.
- Prime is 7.00%, up from 6.75% on September 17, 2026, after the Federal Reserve’s first hike since 2023. Variable products (bank lines, SBA 7(a) loans, HELOCs) repriced a quarter point; fixed-rate and factor-rate products you already hold did not. The next Fed decision is October 28. See prime rate is 7%: what it means for business loan rates.
- New approval data: the Federal Reserve’s 2026 Small Business Credit Survey found 81% of applicants approved for at least part of their request and 42% in full; equipment loans (71%), merchant cash advances (48%) and lines of credit (45%) were approved in full most often, SBA (37%) and term loans (35%) least. See business loan approval rates in 2026 and easiest business loans to get.
- Cost pressure: 77% of small employers report rising costs and 47% cite tariffs; NFIB puts the average short-term loan rate at 8.2% (September 2026). The cheapest-tool-first playbook is in tariffs and small business working capital.
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Common Questions
Are these calculators free?
Yes. There is no sign-up and nothing you enter is stored or sent anywhere.
Will the results match a real offer?
They show exactly what a given set of terms costs. Whether you are offered those terms depends on your file; a funding specialist can tell you what you actually qualify for.
See What You Qualify For
One application, about five minutes, soft pull only. A funding specialist comes back with the offers you qualify for — and explains every term before you sign.
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