What does Jon Lynch Financial Group do?

JLFG (operating as Pillar) is a veteran-owned small business holding company headquartered in Florida; its SDVOSB certification is in progress. We operate seven products: insurance (Bask), insurance-agent intelligence (Velo), B2B lead data (Forge), merchant-cash-advance underwriting intelligence (Comet), MCA pipeline management (Vault), autonomous trading research (Quorum), and macOS productivity utilities (Sweep).

How do I contact JLFG?

Call (786) 777-8869 or email jonlynchfinancialgroup@gmail.com. For specific products, visit the relevant subdomain — each has its own contact path.

Factor rate to APR calculator

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Compare working capital offers — apples to apples

Select your offer parameters below. The calculator converts factor rates to effective APR so you can compare any two financing offers on the same basis. Nothing is sent to our servers.

Offer A

FACTOR / MCA

Advance / loan amount Pricing model

Factor rate Origination / doc fees

Term length

Net advance to bank—

Total payback—

Cost of capital—

Monthly payment (avg)—

Effective APR—

Offer B

APR / TERM LOAN

Advance / loan amount Pricing model

Annual percentage rate (APR)

Term length

Net advance to bank—

Total payback—

Cost of capital—

Monthly payment (avg)—

Effective APR—

Side-by-side

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This calculator is for educational purposes. Effective APR is computed using the standard simple-interest approximation; actual APR a lender quotes may differ slightly based on amortization schedule, fee timing, and prepayment terms. For a definitive comparison on a real quote, send the PDFs to [email protected] and we'll run the all-in cost analysis.

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