Factor Rate Calculator
Convert MCA factor rates into total payback, daily payments, and effective APR. The number that matters before any other number.
Tools
Five purpose-built calculators, free to use — coming online during launch. No upsell. No paywall. No signup required to do the math.
The Five
Each one targets a working broker question. Built by funders, audited against real submissions, and free to use without an account.
Convert MCA factor rates into total payback, daily payments, and effective APR. The number that matters before any other number.
Buy rate, sell rate, points, and override — work out exactly what a broker takes home on a structured deal.
Daily, weekly, and monthly remittance schedules across factor rate, term, and holdback variants.
Translate factor-rate pricing into APR for disclosure-state submissions and merchant conversations that need apples-to-apples.
Stack buy rate against sell rate, see the spread, and model the override structure cleanly before the submission goes out.
Why We Built Our Own
The calculators floating around the industry are mostly forks of forks of a 2014 spreadsheet — built without input from anyone who's actually structured a deal in the last five years.
Ours are built by funders, audited against real submissions, and free to use without an account. They'll embed in any external blog or broker site that wants them.
Calculators come online during launch. The categories already work — start there.

The categories are open. The calculators are next.