Calculators
Three calculators that answer the questions that actually decide a loan: what it costs, what it really costs, and how much you can carry.
No sign-up, no email gate, nothing sent anywhere. They run in your browser.
Loan payment calculator
Payment, total interest, and the effective APR once fees come out of the proceeds.
Most usedFactor rate to APR converter
Turn an MCA or revenue-based offer into a number comparable to a normal loan.
Eye-openingAffordability and DSCR calculator
The calculation an underwriter runs first: how much debt your cash flow supports.
Run before applying
The order to use them in
Start with affordability
Find out what your cash flow supports before you decide what to ask for. Applying for more than your coverage carries is the most common cause of a decline.
Model the specific offer
Put the actual quoted terms into the payment calculator, including any fee deducted from proceeds, and look at the effective APR.
Convert anything quoted as a factor
If one of your offers is an advance, it is not comparable until you have converted it.