Do the math before you sign.
Three calculators we actually use with clients on real underwriting calls — figure out which products fit, translate MCA quotes into an honest APR, and forecast the true monthly payment on an SBA loan. No email required. Results are illustrative, not offers.
How much do you need?
Move the slider. We'll show the products your business likely qualifies for at that amount, with a rough monthly payment for each. Estimates only — actual offers depend on credit, revenue, and time in business.
| Product | Terms | Est. monthly | Qualification |
|---|---|---|---|
SBA 7(a) | 12.5% APR · 10-yr term | $1,464/mo | Likely fit |
SBA 504 (real estate) | 7.0% APR · 25-yr term | $707/mo | Below product min |
Bank Term Loan | 13.0% APR · 5-yr term | $2,275/mo | Likely fit |
Line of Credit | 15.0% APR · 2-yr term | $4,849/mo | Likely fit |
Equipment Financing | 11.0% APR · 5-yr term | $2,174/mo | Likely fit |
Revenue Financing | 1.35× factor · 12-month payback | $11,250/mo | Likely fit |
Merchant Cash Advance | 1.42× factor · 8-month payback | $17,750/mo | Likely fit |
Illustrative only. Actual offers depend on credit, revenue, time in business, and industry. Move to Apply for real quotes from real lenders.
What does a 1.35 factor actually cost?
Merchant cash advances are quoted in factor rates, not APR — and the two numbers look wildly different. Enter a deal below and we'll translate it into the honest cost of capital.
Effective APR is estimated using the average-outstanding-balance method (industry standard). Actual APR varies with daily-debit frequency, holdback percentage, and any prepayment discount. Always request the payback total and estimated term in writing before signing.
What does an SBA loan actually cost?
SBA loans are the cheapest business capital available — but only if you qualify. Estimate the monthly payment across common terms, then check the eligibility box beside it. Numbers are illustrative averages, not offers.
- US-based for-profit business
- Owner-operator, 20%+ ownership
- Time in business — 24+ months preferred
- Personal FICO 680+ (600–679 case-by-case)
- No open bankruptcies or federal debt delinquencies
Numbers look right? Get real offers.
The estimators are a starting point. Actual terms depend on your credit, revenue, and time in business. A four-minute application gets you real quotes from real lenders.
Start application