Calculators
Three quick tools we use on the phone every day. They are estimates for thinking with, not offers; the statements decide the real numbers.
Payment and payback
For an advance or a fixed-cost facility: enter what you would receive, the factor rate, and the term, and see the payment and the total cost.
| Total payback | – |
| Total cost | – |
| Daily payment | – |
| Weekly payment | – |
| Equivalent APR (approximate) | – |
Factor rate to APR
A factor rate is charged on the whole amount up front. The same factor is a very different price on a short term than on a long one. Read why.
How much can I borrow?
A rough range from the three numbers lenders read first. Rules of thumb, not a quote.
| Working capital advance, typical range | – |
| Line of credit, typical limit | – |
| Term loan, typical range (2+ years in business) | – |
| Read | – |
These calculators use simplified assumptions: an equivalent APR computed from a fixed cost amortised over the term, and capacity ranges based on typical lender multiples of monthly deposits. Actual terms depend on the lender, the statements and the product. Nothing here is an offer.