Calculator

See exactly what your financing will cost

Enter your numbers for a Line of Credit, Term Loan, SBA Loan, Equipment Financing, or Merchant Cash Advance to estimate your payment and total cost of capital.

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%
Drag the slider or type a rate directly
months
Your results
Estimated monthly interest payment
$1,167
Principal
$100,000
Total interest
$14,000
Draw term: 12 months
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%
Drag the slider or type a rate directly
months
Your results
Estimated monthly payment
$7,059
Principal
$150,000
Total interest
$19,407
Term length: 24 months
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SBA 7(a) loans go up to $5M
%
Typically Prime + 1.5–4.5% depending on size and term
months
Typically 120 months for working capital/equipment, up to 300 months for real estate
Your results
Estimated monthly payment
$3,063
Principal
$350,000
Total interest
$568,900
Term length: 300 months
$
%
months
Your results
Estimated monthly payment
$7,896
Principal
$250,000
Total interest
$34,256
Term length: 36 months
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$
Already have a quote? Enter the total payback amount and the factor rate below will update to match it.
x
Standard: 1.10–1.50x. Higher-risk profiles: up to 2.00x.
months
Leave blank to auto-calculate from term and frequency, or type in an exact payment count.
Your results
Your factor rate
1.37
Total payback
$137,000
Cost of capital: $37,000
Estimated daily remittance
$1,142
Over 120 payments

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Understanding these numbers

Factor rate
The multiplier applied to your funded amount to get your total payback. A 1.37 factor rate on $100K means you pay back $137K total. Used for MCAs, not loans.
Interest rate
The annual rate used to calculate your payment on a loan or line of credit. Unlike a factor rate, it accrues over time as the balance is paid down.
Cost of capital
The difference between what you received and what you paid back. This amount is typically tax-deductible as a business expense — ask your accountant.
Amortized payment
A fixed payment that covers both principal and interest over the life of a term loan, SBA loan, or equipment loan, so the balance reaches zero at the end of the term.
Daily payment
MCA payments are typically debited daily from your business bank account on business days. The total payback divided by the number of payment days.
GAAP report
After funding, FinProQuo provides a GAAP-compliant cost of capital report for your accountant showing total interest paid — useful for tax deductions.