Estimate Your Financing
Payments And Costs
Choose a financing program and adjust the amount, term, and rate to compare estimated payments and financing costs. .
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Your Estimate
* Estimates only. Actual rates, terms, and approval depend on full underwriting review. Rates shown are indicative and subject to change based on market conditions and your business profile.
Questions Before You Explore Financing
Understand what your estimate includes, how payments are calculated, and what to review before taking the next step.
Do Calculator Estimates Guarantee Approval Or Final Terms?
No. Results are planning estimates based on the inputs you select. Approval, available amounts, rates, and payment schedules depend on your application, underwriting, and final financing agreement.
Will Using The Calculator Affect My Credit Score?
No. This calculator does not request personal information or run a credit check. A financing application is a separate process; ask about any credit inquiry before authorizing it.
What Is The Difference Between A Factor Rate And An Interest Rate?
A factor rate multiplies the advance amount to estimate total payback. For example, a $35,000 advance at a 1.32 factor produces $46,200 in total payback, including $11,200 in financing costs before additional fees. An interest rate is used with the balance and repayment schedule to calculate interest. A factor rate is not an APR, so the two figures should not be compared directly.
Does The Line Of Credit Calculator Use The Full Credit Limit?
No. Enter the amount you expect to draw. The calculator models repayment of that amount over your selected term, using monthly or weekly amortized payments. It does not model additional draws, changing balances, or every possible line of credit payment structure.
Which Costs Are Not Included In The Estimate?
The estimate does not include origination, broker, closing, appraisal, legal, servicing, late-payment, or other program-specific fees. Hard Money estimates use interest-only payments, with principal remaining due at maturity. Variable-rate payments may change. Review the full cost breakdown and repayment schedule in your actual offer.
Which Financing Program May Fit My Business?
Start with your use of funds, repayment capacity, and preferred payment schedule. Compare the six calculators to explore working capital, revolving credit, equipment, and real estate scenarios. Then review the qualification criteria or start an application for an assessment of available options.