Factor Rate Calculator
A factor is not an APR. Enter the complete structure to see the net cash received, total dollars repaid, weekly impact, and an estimated annualized comparison.
Factor Rate Calculator
Convert a purchase price, factor, fee, and term into net proceeds, total payback, weekly remittance, and an estimated annualized APR.
Educational estimate only. APR is annualized using the net proceeds and equal weekly remittances; actual statutory disclosure calculations and timing can differ. This is not an offer, approval, legal opinion, or promise of terms.
What the numbers mean
Total payback is the full amount remitted. Net proceeds subtract the origination fee from the purchase price. Total dollar cost is total payback minus the net cash received.
How to compare offers
Compare net proceeds, every fee, total payback, term, payment cadence, estimated APR, early-payoff terms, guaranty, security interest, and UCC provisions. Then stress-test a slow week.