Cost tool
Three products, one comparable number. Everything runs in your browser — nothing you type is sent anywhere or seen by us, and offers you save stay in this browser.
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Saved offers are written to this browser, on this device, and go nowhere else. Four at a time. What is kept, and how to delete it, is set out on the privacy page.
Side by side
Scroll the table sideways on a narrow screen.
The estimated effective annualized cost is the internal rate of return on the payment stream, compounded to a year. The tool finds the rate per payment period at which the discounted payments sum to what you actually receive, then compounds it over a year of those periods — twelve months, 52 weeks or 260 business days, whichever you told it. Fees taken out of the advance are treated as reducing what you receive rather than as an extra payment, which is how they are felt: you get less and repay the same. A factor rate is turned into a total by multiplying the amount advanced by it. This is our own figure from the numbers you typed. It is not the statutory APR or annualized rate required by any particular state disclosure law — those are defined by the law's own formula. Where a legal APR or its equivalent is required, use the state disclosure itself; which rules reach your borrowing sets out which states require a rate and which require dollar totals. The full calculation, and what it deliberately does not claim to be, is set out in the methodology. Whether the provider has to give you an annualized figure of its own depends on the state: the state disclosure checker answers that, and the UK perimeter checker answers the UK one.
This is arithmetic, not advice
The tool tells you what an offer costs on the assumptions you type in. It does not know your business, cannot see the agreement, and is not a recommendation. The annualized figure is our own calculation, described under the form, and is not a statutory APR. On a revenue-share facility the term is an estimate that moves with your takings — run it twice, at your best month and your worst, and look at the gap.
Next
Once you have two comparable numbers, the questions that decide the rest are the six questions in the next guide.
The six questionsWhat changed on this page
7 September 2026 New — The cost tool now asks how often you pay - monthly, weekly or every business day - takes a factor rate directly, and separates a fee deducted from the advance from the amount that reaches your account. How often you pay turned out not to be a detail: the same advance, repaid every business day rather than monthly, does not cost a penny more in cash and returns a materially higher estimated annualized cost, because the money goes back to the lender sooner. Daily and weekly collection is the normal shape of an advance, so the figure the tool gave before was the gentler of the two.
7 September 2026 Your data — The cost tool can now keep up to four offers so it can put them side by side, and can produce a link that carries the figures you typed. Saved offers are written to your own browser on the device you are using; they are not sent anywhere and we never see them. A shared link carries the numbers in the part of the URL a browser does not send to a server. The pages that used to say nothing you type is stored now say what is kept and where, and the privacy page sets out three ways to delete it.
6 September 2026 New — A state disclosure checker was added. Six state statutes were read in the original - California, New York, Florida, Louisiana, Utah and Virginia - and the checker answers, for a state, a product and a size, whether the regime reaches the deal and whether what it makes the provider hand you includes a rate. Size limits are now recorded where the statute states one: over $500,000 is outside Florida and Virginia, over $1,000,000 is outside Utah, and New York covers up to $2,500,000.
6 September 2026 Correction — The site no longer says that two US states regulate commercial-financing disclosure. Six were confirmed against their own statutes, and the guides now separate the two that require an annualized rate (California, New York) from the four that require itemized dollar amounts only (Florida, Louisiana, Utah, Virginia). The question that matters to a borrower is not how many states have a rule, but whether the rule produces a rate you can hold against a bank quote.
6 September 2026 Correction — The cost tool reports an estimated effective annualized cost, not an effective annual rate. It is this site's own arithmetic, not a statutory APR, and the page now says where a statutory figure has to come from instead.