Calculator
Compare working capital offers by real repayment pressure, not just headline speed.
Short-term working capital pricing gets misread when the discussion stops at factor rate. This page turns two offers into the numbers that matter most in practice: total payback, fixed financing fee, payment cadence, and estimated monthly drag on the business.
Important: A factor rate is not an annual percentage rate. The calculator models fixed payback and estimated payment cadence only; it does not include reconciliation rights, fees outside the factor, holidays, defaults, renewals, or provider-specific contract terms.
Deal compare
Working Capital Offer Comparison
Use the actual advance, factor rate, and term. If you want a fast demo first, load an example pair and see how cost and pressure can point to different answers.
Deal A
Best for the first offer, the fastest offer, or the offer you expect the borrower to prefer.
Deal B
Best for the competing offer, the lower-factor alternative, or the deal with the cleaner payment rhythm.
Lower total payback
Lower monthly drag
Shorter payoff
Cleaner pressure profile
How to interpret the result
Cheaper is not always easier
A lower-cost offer can still create worse weekly or daily strain if the payback window is too compressed for the business rhythm.
Monthly drag is the fastest truth test
If the business cannot carry the implied monthly load without stressing payroll, inventory, or vendor timing, the deal is weak even if it closes fast.
Use the outputs as a screen
The better offer still depends on remittance mechanics, renewal pressure, documentation requirements, and whether this type of working capital is the right product at all.
Advisor lens
When I would actually like this kind of working capital, and when I would slow the file down.
When working capital can be the right tool
Short-term timing gaps, inventory turns, bridge payroll, or urgent receivables mismatches can justify this kind of working capital if the business can clearly carry the remittance rhythm.
When I start pushing back
If the monthly drag is already crowding payroll, taxes, or vendor terms, a fast approval is not enough. That is when LOC, factoring, or a smaller structure may be cleaner.
What makes the file stronger
Recent bank statements, a coherent use of proceeds, and a realistic payback story matter more than trying to sound polished. Good files usually look consistent, not dramatic.