Business Tools
Financial Tools & Calculators
Free tools to help you understand your funding options and manage your business finances.
Funding Estimator
Tell us the amount you're after and a little about your business, and we'll show you an example of what that could look like.
Example scenario
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Estimated total payback
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Estimated cost of capital —
Estimated total payback as a share of your annual revenue
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This is an estimate based on the numbers you entered. It is not an offer, a quote, or an approval. Actual terms are determined by the funder based on a full review of your business.
Want us to look at this with you? Leave your details — entirely optional.
Frequently Asked Questions
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A Merchant Cash Advance is not a traditional loan — it's an advance on your future sales. You receive a lump sum upfront and repay it through a fixed percentage of your daily credit card or debit card transactions. Because repayment is tied to your revenue, there are no fixed monthly payments.
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A factor rate is a simple decimal multiplier (e.g. 1.25) applied to your advance amount to determine the total payback. For example, a $50,000 advance at a 1.25 factor rate means you pay back $62,500 total. Unlike an APR, the factor rate is applied once to the principal — it does not compound over time.
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Most merchants receive a decision within 48 hours of submitting a complete application. Once approved and agreements are signed, funds are typically deposited into your business bank account within 1–2 business days. Some programs offer same-day funding.
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Requirements vary by product but generally include: at least 3–6 months in business, a minimum of $10,000–$15,000 in monthly revenue, an active business bank account, and a valid government-issued ID. Some programs have no minimum credit score requirement.
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Submitting an application typically results in a soft credit inquiry, which does not affect your credit score. A hard inquiry may be performed only at the final approval stage, and only with your authorization.
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Yes. Many of our funding products are based primarily on your business revenue rather than personal credit. Merchants with FICO scores as low as 500 may qualify for certain programs. We work with a broad network of funders to find the best match for your profile.
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It depends on the product. Merchant Cash Advances typically do not have prepayment discounts — you pay the full factor rate regardless. Purchase order financing settles when your customer pays the invoice. Your funding specialist will explain all terms before you sign.
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All sensitive information submitted through our application — including Social Security numbers, EINs, and FICO scores — is encrypted using AES-256 encryption before being stored. Our platform uses a secured database with strict access rules, and all data is transmitted over HTTPS with TLS encryption.