Got an advance offer in front of you?
Enter the terms below and a specialist will walk through the real cost with you before you sign. We are a funding broker, not a lender, so there is nothing to sell you here. Just an honest read on whether the deal in front of you is a good one. Free, no obligation, and no credit pull to start.
A funder or broker put an offer in front of you, and the headline number looks simple. The trouble is that the way an advance is priced can hide what it actually costs once you account for repaying the whole time. We will run your terms through the same method our MCA calculator uses and show you the true cost in plain English.
Here is what happens after you submit.
- A funding specialist reviews your numbers and works out the real cost of the offer, including the true APR-equivalent.
- We reach out by phone, text, or email within one business hour during ET business hours to walk you through what we found.
- You get an honest read on the deal, plus any alternatives that might cost less, with no pressure to take anything.
Why trust a broker on this? We get paid by funding partners, not by you, and we would rather earn a long relationship than push a bad deal. If your offer is fair, we will tell you. If it is not, we will tell you that too.
Have the offer as a PDF? Email it to [email protected] after you submit and we will review it alongside the terms you enter below.
Run the numbers in seconds.
MCA Cost & APR Calculator
Enter your advance, factor, and term to see the payback, daily payment, true APR-equivalent, and red flags. →
Free toolFactor Rate to APR Converter
Turn a factor rate and term into the simple APR and the true APR-equivalent, side by side. →
MethodologyHow we calculate the true APR
The exact, transparent math behind every number we will show you. No spin. →
A few quick questions
Nothing. The review is free and there is no obligation. We are a funding broker, not a lender, and we will walk through the real cost of the offer in front of you so you can decide with your eyes open.
No. There is no credit pull to start. A hard pull may occur later, only at the funder stage if you choose to move forward with a specific funding partner.
Enter what you have. The advance amount plus either the total payback or the factor rate is enough to start. If you have the offer as a PDF, email it to [email protected] after you submit and we will review it.
No. An advance is the purchase of your future receivables at a discount, priced with a flat factor rate rather than an interest rate. It has no APR, though you can estimate an APR-equivalent to compare it against loan products.