Business Loan Calculator
Estimate payments for working capital, MCA, SBA loans, equipment financing, and more. Convert factor rates to APR instantly.
A multiplier on your loan amount. 1.25 means you repay $125K on a $100K loan.
Your Estimated Payments
A factor rate of 1.25 over 1 year equals roughly 46.3% APR. This is typical for short-term working capital where speed and flexibility are prioritized. Longer-term options like SBA loans offer significantly lower rates.
These are estimates. Want to see actual rates?
SmartMatch™ compares real offers from 75+ lenders based on your actual business profile. No credit impact. Takes 2 minutes.
Get Your Free SmartMatch™ AnalysisTypical Rates by Product Type
Rates, terms, and speed vary by lender and qualification. These are general market ranges.
| Product | Typical Rate | Term | Speed to Fund |
|---|---|---|---|
| Working Capital | 1.15–1.45 factor | 3–18 mo | 24 hrs |
| Revenue-Based | 1.10–1.35 factor | 6–24 mo | 48 hrs |
| Line of Credit | 12–36% APR | Revolving | 48 hrs |
| Equipment | 6–18% APR | 2–7 years | 3–7 days |
| SBA 7(a) | Prime + 2–5% | 10–25 years | 30–90 days |
| Commercial RE | 6–12% APR | 5–25 years | 2–4 weeks |
| Invoice Factoring | 1–5% per invoice | On-demand | 24–48 hrs |
All financing is facilitated through third-party capital providers within the SmartMatch™ network. Rates, terms, and eligibility vary by lender and are subject to qualification. Figures shown represent general market parameters, not guaranteed offers.