Calculator

Know the cost before you draw.

Move the slider to any amount. The numbers below are computed with the same engine that books real draws, using today's standard terms. Your final pricing is set at approval and shown before you sign.

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How much do you need?

$1,000 – $250,000 available

You receive

$24,500.00

after $500.00 fee

Weekly payment

$1,201.92

26 payments

Total payback

$31,250.00

$6,250.00 cost of capital

Estimated APR

97.9%

27.0¢ per $1

First payment Thu, Sep 24 · last payment Mar 18, 2027 · 182 days

Draw $25,000.00; we send $24,500.00 to your bank after withholding a $500.00 origination fee. You repay $31,250.00 in 26 weekly payments of $1,201.92 (final payment $1,202.00), automatically debited from your bank account on business days.

Pay off within 30 days and we take 25% off the remaining cost. As principal is repaid, it becomes available to draw again.

Factor rate vs. simple interest

A factor rate is a multiplier on the amount you draw. At 1.25×, a $10,000 draw is repaid as $12,500 in equal payments. The total cost is fixed the moment you draw, which makes budgeting simple — but the cost does not shrink as your balance falls, so most factor-rate products (ours included) offer a discount for paying off early instead.

Simple interest accrues only on the principal you still owe. At 36.0% per year the payments are amortized, so early payments carry more interest and later ones less. Paying early always reduces the total cost because unaccrued interest is simply never charged.

Neither is inherently cheaper — it depends on the rate, the term and how quickly you repay. That is why every quote here shows the finance charge, the cost per dollar and an estimated APR, so two offers can be compared on the same footing.

Factor rate

1.25× · 26 weekly payments

Our default

Payment: $1,201.92
Total payback: $31,250.00
Finance charge: $6,750.00
Cost per dollar: 27.0¢
Estimated APR: 97.9%

Simple interest

36.0% per year · 26 weekly payments

Payment: $1,053.99
Total payback: $27,403.69
Finance charge: $2,903.69
Cost per dollar: 11.6¢
Estimated APR: 44.0%

Worked example for a $25,000 draw funded on 2026-09-17. The highlighted model is what we use by default today.

The disclosure you'll see before every draw

This is the same plain-language summary that appears in your dashboard when you request a draw, filled in for the example above.

Cost of capital disclosure

Estimates assume all payments are made on schedule

Amount financed Principal drawn against your line: $25,000.00
Funds disbursed to you After a $500.00 origination fee: $24,500.00
Factor rate You repay this multiple of the amount financed: 1.25×
Finance charge Total cost of capital plus fees: $6,750.00
Total payback: $31,250.00
Cost per dollar Finance charge ÷ amount financed: 27.0¢ per $1
Estimated APR Annualized cost based on actual payment dates: 97.9%
Payments Final payment $1,202.00: 26 weekly × $1,201.92
Term Sep 24, 2026 – Mar 18, 2027: 182 days
Prepayment If paid in full within 30 days of funding: 25% off remaining cost
Late fee Applies 3 days after a missed due date: $35.00
Returned payment fee Charged when your bank returns a debit: $25.00

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