U.S. Business Working Capital · USD
See what working capital could look like.
Enter your monthly revenue, estimated FICO and industry. Get one clear financing estimate, then let’s review the amount and terms that fit your business.
No contact details required. Calculations happen in your browser.
Start with your business
A quick picture of your financing.
How the estimate works
We start with one month of reported revenue, capped at $600,000. That is a planning amount, not a prediction of how much you will be approved for.
The payment illustration uses a 1.25 factor, 52 weekly payments and a 2.5% fee deducted at funding. The factor is not an APR. These assumptions are not a lender quote or a market average.
FICO, industry and business age change the review guidance. They do not automatically change the price. Actual deposits, cash flow, existing obligations and program availability determine the offer. Other charges or debt payoffs could reduce cash received.
Already have an offer? Compare your actual quotes.
Your estimate
One view of the cash and the cost.
Enter your business details, then generate one estimate to explore.
- Funding amount to explore
- Estimated cash received
- Weekly payment and total cost
Your result uses the displayed planning assumptions. It is not a credit decision.
Planning estimate · USD
Your financing estimate
Gross funding to explore
- Planning factor Not an APR
- 1.25×
- Repayment period
- 52 weeks About 12 months
- Assumed fee deducted 2.5% of gross funding
- Total scheduled repayment
- Total financing cost Factor charge + assumed fee
Change the amount to explore
Your profile and estimate will carry into a reviewable inquiry. Nothing is submitted until you send that form.
Continue without the estimateThe best offer should fit your exit plan
Planning to pay it off early?
Tell me upfront. Some qualifying agreements can waive 100% of eligible remaining unpaid interest when paid in full early. Principal and already-paid charges are not automatically waived or refunded.
I’ll compare written 30-, 60- and 90-day payoff amounts, payment allocation and any refinancing restrictions. The estimator includes no early-payoff discount.
Start with your estimateBefore you move forward
A few things to know.
How is this estimate calculated?
The starting amount is one month of the monthly revenue you enter, capped at $600,000. You can change that amount. The illustration uses a 1.25 factor, 52 weekly payments and a 2.5% fee deducted from funding. These are planning assumptions, not a personalized quote, market average or approved limit. FICO, industry and business age guide the review notes; they do not set the displayed price.
Does using the estimator submit an application?
Calculations happen in your browser. Your details are carried into the inquiry only when you choose Review my estimate, and you can review them before submitting. Generating an estimate does not submit an application or establish eligibility.
Can I receive the lowest advertised factor?
Published starting factors can be as low as 1.11, subject to qualification. That starting price is not assigned by this estimator. Actual pricing, amount and term depend on the complete file, including bank deposits, cash flow, existing financing, credit, industry and program availability.
Does a 100% prepayment discount remove every financing charge?
On qualifying loan agreements, full early payoff can waive all eligible remaining unpaid interest. Principal, fees and interest already paid are not automatically forgiven or refunded. The exact discount, payment allocation, funding-source restrictions and other conditions must be confirmed in the agreement. No early-payoff savings are included in the estimate.
Is a factor rate the same as an APR?
No. A factor multiplies the gross funding amount to determine scheduled repayment before separate fees. APR annualizes the financing cost and depends on cash received, payment timing and applicable charges. The displayed factor is not an APR.
What will you need to confirm an offer?
I’ll review the funding purpose, business activity, recent business bank statements, existing financing and payment obligations. Additional financial statements, guarantees, lien information or other documents may be needed. A personal guarantee or business-asset lien may apply. Submit documents only through the approved secure process provided for your file.
Let’s turn the estimate into a real review.
Have your funding purpose, recent bank statements and existing payment obligations ready. I’ll help you compare the written terms.
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