Business Financing calculators
Business financing is often quoted in ways that hide the true cost: factor rates, flat fees, holdbacks and “per 30 days” pricing. These calculators convert every offer into the same yardstick — an annual percentage rate (APR) — so you can compare a merchant cash advance, invoice factoring and a term or equipment loan side by side.
Each tool shows the cash you actually receive, the total you repay and the effective annual cost, along with the questions to ask before you sign.
Business Financing calculators
Merchant Cash Advance Calculator
Convert an MCA factor rate into APR and see the daily or weekly payment.
Invoice Factoring Calculator
See your advance, fees, rebate and the effective annual cost of factoring an invoice.
Equipment Loan Calculator
Estimate monthly payments, total interest and year-one tax savings on equipment financing.
Which business financing calculator do you need?
- Comparing a merchant cash advance offer? The MCA calculator converts the factor rate and fees into an APR and shows the daily or weekly payment.
- Waiting on customer invoices? The invoice factoring calculator shows the advance, fees, rebate and effective annual cost.
- Buying equipment or vehicles? The equipment loan calculator estimates payments, APR and potential Section 179 tax savings.
Always compare on APR
Business financing is priced in many ways — factor rates, per-30-day fees, holdbacks, points and interest rates. The only fair comparison is the annual percentage rate on the cash you actually receive, over the time you actually use it. A 1.3 factor rate repaid in six months, a 3% fee per 30 days and a 12% term loan can differ by a factor of ten in real cost. Before you sign, ask every provider for the total repayment amount, all fees and the expected term, then run the numbers here.
Business Financing guides
Equipment Financing vs. Leasing: Which Costs Less for Your Business?
Compare an equipment loan, a $1 buyout lease and a fair market value lease: monthly cost, true APR, ownership, Section 179 and what happens at the end.
BusinessFactor Rate vs. APR: How to Compare Merchant Cash Advance Offers
A 1.3 factor rate sounds like 30% interest, but over six months it is more than 100% APR. Here is how to convert factor rates and compare offers fairly.
BusinessInvoice Factoring vs. a Business Line of Credit: Cost, Speed and Fit
Factoring turns unpaid invoices into cash fast; a line of credit is usually cheaper. Compare the real costs, approval requirements and when each makes sense.
BusinessMCA Stacking and Consolidation: How to Escape Daily Payments
Stacked merchant cash advances can take a quarter of your revenue in daily debits. How stacking happens, what it costs, and the realistic ways out.
BusinessSection 179 vs. Bonus Depreciation: Writing Off Equipment in 2026
Both let a business deduct equipment in year one. How they differ after the 2025 tax law — limits, income caps, used equipment and financing — and which to use.