Ask for these in writing
- The discount itself, stated as a figure or a formula
- Exactly how and when it is calculated
- The last day it can be taken
- Whether it needs anyone’s approval at the time
01Pricing
What an advance costs.
Factor rate range
An advance is priced with four numbers: the amount, the factor rate, the term and the origination fee. This page sets out the range each one moves in, what moves it, and how the arithmetic works, including the part most quotes leave out.
02The four variables
Largest advance
From $15,000
Factor rate
Fixed at signing
Term
Weekly ACH debit
Origination fee
Deducted at funding
03Terms
Every term, and what moves it.
These are the bands Atlas Business Capital works within. Where inside a band your file lands is a funder decision, and no one can tell you honestly before your statements have been read.
| Variable | Range | What moves it |
|---|---|---|
| Advance amount | $15,000 – $20,000,000 | Revenue sets the ceiling. Funders go up to 100% of last year’s revenue, and most files land well below it. Existing positions reduce the amount available before they touch anything else. |
| Factor rate | 1.20 – 1.50 | Time in business, deposit consistency and credit pull it toward the low end. Existing positions, negative days and higher-risk industries push it toward the high end. |
| Term | 5 – 18 months | Longer terms go to longer trading histories and larger advances. A longer term lowers the weekly payment; it does not lower the total, because the factor is fixed at signing. |
| Origination fee | 2% – 10% | Set by the funder and deducted from the wire. It reduces what reaches your account rather than adding to what you repay, which is exactly why it is easy to miss. |
| Repayment | Weekly ACH debit | A fixed amount debited automatically each week, set at signing. Same-day funding is available on qualified files, and the first debit follows shortly after. |
Nothing on this page is an offer. Atlas Business Capital is a broker: it arranges the purchase of future receivables by third-party funders and does not fund files itself.
04Underwriting
Five things move your price.
They are weighed together, not scored in order. A weak line in one place is routinely offset by strength in another, which is why an indication over the phone is worth more than a chart.
What a funder looks forTime in business
18 months is the common floor. A longer trading history moves the factor down and the term out, because the funder has more evidence to read.
Deposit consistency
Funders read 3 to 6 months of business bank statements. Steady deposits, few negative days and no pattern of returned payments matter more than any single strong month.
Credit
Files are considered from 500 to 600+. Credit mostly shapes the price you are offered; the deposits decide whether there is an offer at all.
Existing positions
An advance already in place is not automatically disqualifying, but each additional position raises the factor, shortens the term and lowers the amount available.
Industry
Some industries carry higher historical default rates and are priced accordingly. A few are outside a given funder’s appetite regardless of how the file reads.
05Worked example
One hundred thousand dollars, priced end to end.
The standard illustration, carried all the way through. It is an example, not an offer. Your file will price differently.
| The arithmetic | Amount |
|---|---|
| Advance | $100,000 |
| Factor rate | × 1.35 |
| Total you repay | $135,000 |
| Term | 10 months · ≈ 43 debits |
| Weekly ACH debit | ≈ $3,100 – $3,150 |
What goes back out, in full
The factor is a multiplier, not a rate. It does not accrue and it does not compound. $100,000 × 1.35 sets the repayment at $135,000 on the day you sign, and a longer term only spreads that same figure over more weeks.
The fee comes out of the wire, not out of the repayment.
The origination fee is deducted at funding. At 5% on this example, $95,000 reaches your account while $135,000 still goes back out. The cost of the money is the distance between those two numbers.
| What actually moves | Amount |
|---|---|
| Advance approved | $100,000 |
| Origination fee at 5% | − $5,000 |
| Reaches your account | $95,000 |
| Repaid over ≈ 43 weeks | $135,000 |
| Cost of the money | $40,000 |
Total repaid, less what actually reached the account
Subtracting the advance instead of the net gives $35,000. That figure understates the cost of every advance that carries a fee, and it is the version you will usually be quoted.
06APR
There is no APR, because there is no interest.
An advance is a purchase of your future receivables. There is no principal balance and nothing accruing against it, so an annual percentage rate does not exist here by construction.
You can convert an advance into an APR-equivalent for comparison, and some people do. It is always approximate. The calculation has to assume how fast the money comes back, and the real speed depends on your deposits and on whether you pay out early, so two careful people can produce two different numbers from the same term sheet.
The comparison that cannot be dressed up is in dollars. Take the total you will repay, subtract what actually landed in the account, and set the difference against the time you have to earn it. On the example above that is $40,000 over 10 months on $95,000 received.
For scale: the same $100,000 over 10 months as an amortizing bank term loan at 9% APR would cost roughly $4,171 in interest. That is an illustration for comparison only. Atlas Business Capital is a broker, not a bank and not a funder. If a bank will have you, the bank is cheaper, and we will say so.
Compare on three numbers
- The total dollars repaid, not the factor rate
- The net dollars that reach your account after the fee
- The weekly debit against a normal week of deposits
07Early payoff
Paying early can cost much less. Get it in writing.
Major discounts for early payoff are available, and they are one of the few levers you still control after signing.
Because the factor fixes the repayment on day one, clearing an advance early saves you nothing on its own. $135,000 is $135,000 whether it takes 43 weeks or half that. What saves money is an explicit early-payoff discount.
Every funder writes that discount differently. Some rebate a share of the unearned factor, some substitute a lower factor entirely, some apply it only inside a window that closes early in the term. The difference between the best and worst version of the same clause is thousands of dollars on a file this size.
So ask before you sign, and ask for it in the contract rather than in an email. A funder who will not write the discount into the agreement has told you what it is worth.
A discount that is not in the contract is not a discount.
08Before you sign
Four things to confirm on any offer.
This list is worth using on every offer you receive, including one we bring you. Documents come later in the process, usually 3 to 6 months of business bank statements, owner ID and a voided check. None of them are uploaded on this site.
- 01
The exact weekly payment
The dollar amount that leaves your account every week, and the day it leaves. Test it against a poor week, not an average one. The debit does not pause for a slow month.
- 02
The net amount reaching your account
The advance minus the origination fee and any other deduction taken at funding. That is the money you can actually put to work, and it is the number the cost should be measured against.
- 03
The default terms
What counts as a default, what happens when a debit is returned, and which fees attach. Ask directly what happens if you need a week reconciled.
- 04
Whether a personal guarantee is required
Many agreements include a personal guarantee or a performance guarantee. They are not the same thing. Know which one is in front of you and exactly what it covers.
Price it against your own numbers.
The calculator runs this same arithmetic on any amount, factor, term and fee, including the net figure most quotes leave out. When you want a real indication, tell us what the business does and what you need.
Speak to a person
(305) 791-3797funding@atlasbusiness.capitalMon–Fri, 9am–6pm ET · We answer in under 4 business hours.