Business Funding Cost Calculator
Estimate APR, total financing cost, payment amount, and net cash received from factor-rate or fixed-payback offers. Compare two offers on the same basis.
Can the payment fit your cash flow?
Illustrative values are prefilled. Replace them with cash actually collected and paid, not invoiced sales or accounting profit. Inputs stay in this page and are not submitted as a funding application.
Average monthly new payments: $4,333
Cash remaining each month: $5,667 in the base case; -$4,333 in the stress case.
At that constant stress-case shortfall, reserves cover approximately 3.5 months. This is a reason to revisit the payment, timing or financing amount.
Monthly averages use 52 weekly or 260 business-day payments per year. Actual debit dates, bank holidays, seasonality, variable costs and draw timing can change the result. This assumes constant operating outflows under stress and excludes new borrowing from receipts. A positive monthly balance does not prove you can meet every debit or qualify for financing. Build a weekly cash calendar before signing.
Card rewards after costs
Compare two cash-back scenarios using your planned annual eligible purchases. These sample rates are editable illustrations, not offers or recommendations. Use the issuer’s reward rules; points and miles need a defensible cash value before comparison.
Annual value after entered costs: A $900 · B $1,050.
B has $150 more modeled annual value.
Net value = eligible rewards − annual fee − entered borrowing and transaction costs. No welcome bonus, portal multiplier or statement credit is assumed. A $150 fee with an extra 0.5 percentage point of uncapped rewards breaks even at $30,000 of eligible annual spend, before other differences. If you carry a balance, compare financing costs before rewards. A fee refund may arrive later and require a separate spending threshold.