Free business funding tools
Plain-English tools that show you the real number behind any offer. No signup, no credit pull, no pressure. Estimates only.
Brokers quote the cheap-sounding number. These tools show you the real one. Run your own figures, see the true cost, and decide with no one selling you anything.
Choose a tool
MCA Cost & True-APR Calculator
Decode any advance into its true APR, total cost, and red flags.
Who it's for: You have an offer (or one already) and want the real number.
Open toolStacked Advance & Consolidation Calculator
Add up your daily drain and see what consolidation could free.
Who it's for: You are juggling two or more advances.
Open toolFunding Fit Finder
Answer 8 quick questions, get the product that fits and a ballpark range.
Who it's for: You are not sure which product is right.
Open toolFactor Rate to APR Converter
Turn a factor rate and term into simple and true APR, fast.
Who it's for: You just want to convert a factor rate.
Open toolFunding Amount Estimator
See a ballpark offer range from your revenue and time in business.
Who it's for: You want to know roughly how much you could get.
Open toolLoan vs Advance Comparison
Compare an advance against a term loan or line of credit on true cost and APR.
Who it's for: You are weighing an advance against a loan.
Open toolAdvance Affordability Check
See what the daily debit really takes out of your sales, and whether it is safe.
Who it's for: You want to know if you can handle the payment.
Open toolBusiness Loan & SBA Calculator
Monthly payment, total interest, and payoff on a term loan, SBA, or line of credit.
Who it's for: You are pricing a real loan.
Open toolHoldback & Split-Funding Calculator
See your real daily remittance and true cost when an advance takes a percent of your card sales.
Who it's for: Your advance takes a cut of daily sales (a split).
Open toolMCA Payoff & Settlement Estimator
See what you would still owe to pay off or settle early, and why early payoff rarely saves money.
Who it's for: You want out of an advance early.
Open toolMCA Renewal & Double-Dip Detector
See the real net new cash and true cost when a funder rolls your old balance into a renewal.
Who it's for: You were offered a renewal.
Open toolHow We Calculate True APR
The exact, transparent method behind the numbers, with a worked example.
Who it's for: You want to check our math.
Learn the methodA tool that shows a bad deal is doing its job.
We make money when funding actually fits your business, not when you overpay. So we would rather you see the true cost up front. If a tool shows you a bad deal, that is the tool doing its job. When you want a real number for your business, a specialist can review it with no credit pull to start.
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Nothing to decide today
See the real number for your business.
Nothing to decide today. When you want a real number for your business, it is a two-minute review with no credit pull. We will show you what fits and what it actually costs.
Estimates only. Actual terms vary by underwriting. No credit pull to start. Anything you see here is an estimate based on the numbers you enter, not an offer of credit or a commitment to fund.