Compare working capital offers — apples to apples

Enter two financing offers (one or both can be factor-rate or APR-based). The calculator returns each offer's all-in cost in actual dollars + the effective APR, so you can compare them on the same basis. All math runs locally in your browser — nothing is sent anywhere.

Offer A

Advance / loan amount ($) Pricing model

Factor rate Origination / doc fees (%)

Term length (months)

Net advance to bank—

Total payback—

Cost of capital—

Monthly payment (avg)—

Effective APR—

Offer B

Advance / loan amount ($) Pricing model

APR (%)

Term length (months)

Net advance to bank—

Total payback—

Cost of capital—

Monthly payment (avg)—

Effective APR—

Side-by-side

Enter values above to see the comparison.

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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Send the quote → Read the APR vs factor rate guide

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