01Estimate
Move the terms and every figure moves with them. The calculator opens on the worked example, a $100,000 advance at 1.35 over 10 months. Every range it allows is a published one.
02The instrument
Terms
Factor rate
Payment
Statement
Total you repay
$100,000 × 1.35 over 10 months
Weekly payment
You receive
Cost of capital
A bank term loan at 9% would cost about $4,171 on the same $100,000 over 10 months. A merchant cash advance is more expensive than a bank loan. If you qualify for a bank loan, take it. This calculator exists so you can compare.
Illustration only · origination fee 5% deducted at funding · not an offer of finance
03How to read it
They are easy to read in the wrong order, so here is what each one is and which one to argue about.
The number that matters
Total dollars repaid, set against the dollars that actually reached the account. Not the factor rate on its own. A lower factor carrying a larger origination fee can cost you more than a higher factor carrying a smaller one, and the weekly payment tells you nothing about either.
The advance multiplied by the factor rate: on the prefilled example, $100,000 at 1.35. It is a fixed dollar amount agreed up front. It does not grow if a quarter goes badly, and it does not shrink if you take longer. Settling early is the one thing that moves it: discounts for early payoff are substantial, and worth confirming in writing before you sign.
The origination fee is deducted at funding, not at the end. At 2% to 10%, a $100,000 advance lands in the account as $90,000 to $98,000. This, not the headline advance amount, is the sum the total repayment should be measured against.
Repayment is an automatic weekly ACH debit from the business account. The example runs about 43 weekly debits across 10 months. The debit is taken whether or not the week was good, so the figure has to fit your quietest week rather than your average one.
Total repaid minus what actually reached the account. Not the total minus the advance. That version quietly ignores the fee and understates the cost of every advance that carries one. On the example the true cost is $37,000 to $45,000, or 38% to 50% of the money you received.
The factor rate is not the price. The dollars are.
04Limits
Not a quote. Not an offer.
Every figure on this page is an illustration assembled from published ranges. It is not a quote, not an offer of finance, and not an indication that anything will be approved.
Your actual advance amount, factor rate, origination fee and term are set in underwriting. They come from your bank statements, the consistency of your deposits, any positions you already carry and the overall health of the business. Atlas Business Capital is a broker. It arranges advances and presents your file to funders; it is not a bank, not a lender and not the funder, and it does not make the funding decision.
A real number requires a real file: 3 to 6 months of business bank statements, owner ID and a voided check. None of that is collected on this website.
Illustration only · figures rounded · no credit decision is made here
The published ranges
| Input | Published range | Where it comes from |
|---|---|---|
| Advance amount | $15,000 – $20,000,000 | Up to 100% of last year revenue |
| Factor rate | 1.20 – 1.50 | Set by the funder on your file |
| Term | 5 – 18 months | Set alongside the factor rate |
| Origination fee | 2% – 10% | Deducted from the advance at funding |
05Pricing
The calculator lets you choose the factor. Underwriting does not. It reads your file and prices it.
Weighed on every file
Tell us what the business does and roughly what you need. You get the amount, factor, fee and term a funder will actually put on the file, plus the total repayment in dollars, before you commit to anything. No credit pull to get an indication.
Get fundedSpeak to a person
(305) 791-3797funding@atlasbusiness.capitalMon–Fri, 9am–6pm ET · We answer in under 4 business hours.