Calculator
Compare up to 3 funding offers side by side
Put offers priced different ways on one table: dollar cost, payment, term and estimated APR.
Offer 1 Lowest APR
$
Total payback—
Dollar cost—
Per $1—
Payment—
Est. APR—
Offer 2 Lowest APR
$
Total payback—
Dollar cost—
Per $1—
Payment—
Est. APR—
Offer 3 Lowest APR
$
Total payback—
Dollar cost—
Per $1—
Payment—
Est. APR—
Enter your offers to compare them.
Estimates for comparison only, using 21 business days a month and 52 weeks a year. Your contract's disclosures govern. Nothing you enter here is saved or sent.
How this calculator works
Dollar cost tells you what you pay. Estimated APR tells you how fast you pay it. You need both.
A shorter offer often costs fewer dollars but carries a higher APR, because you repay faster. A longer offer can cost more dollars at a lower APR. Neither is automatically better: the right choice depends on whether your cash flow can carry the payment.
- Enter each offer exactly as quoted. For an advance, use the factor rate; for a loan, the interest rate.
- Include fees taken out of the funding. They raise the estimated APR because you receive less.
- Loans are amortized; advances split the payback evenly across the debits.
One application, many funders
Want real offers to run through this?
Apply once. We bring back offers from funders that fit and decode every one: total payback, dollar cost, payment and estimated APR.
- About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
- 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
- You approve every funder before your file goes out. No cost to apply, and no obligation to accept.