Calculators
Every one of these runs in your browser. Nothing is submitted, no email is asked for, and there's no step where you hand over a phone number to see the answer. That step exists to sell the number to a broker.
The one conversion that decides everything
Business finance is quoted in units chosen to prevent comparison. A bank quotes an annual rate. A factor quotes a percentage of the invoice. A cash advance quotes a multiplier like 1.4, and a leasing company quotes a monthly payment. None of those are comparable to each other, which is the point of quoting them that way.
Put every offer into one annual rate and the ranking becomes obvious and usually surprising: a 3% factoring fee is roughly 24% a year, and a 1.4 factor repaid over about six months of daily debits is near 142%. Two numbers that both look small, an order of magnitude apart. The tools below do that conversion, and the tax ones do the mirror image of it, setting a fee against the benefit it actually returns.
Which financing fits?
Six questions about your business, and a ranked shortlist with the real annualized cost of each option and the reason it surfaced.
2 minutes
True cost of financing
Turn a factoring fee or a cash advance factor rate into the annual rate it actually is. The number the quote was written to hide.
30 seconds
SBA 7(a) payment
Monthly payment on a 7(a), with the rate box pre-filled to the legal maximum for your loan size, so you can see how far a real quote sits under the cap.
30 seconds
Equipment: lease vs loan
The vendor sells the low monthly payment. This compares the total cost to own the equipment each way, buyout included.
1 minute
Cost segregation savings
First-year tax benefit of a study against its cost, using 2026's 100% bonus depreciation, with an honest read on when to skip it.
1 minute
R&D tax credit estimate
A ballpark federal credit under the simplified method, 14% over a base or 6% first-time, to tell you whether a study is worth a call.
1 minute
Business valuation
What a business is worth, from its SDE or EBITDA times a market multiple. A range to test against a broker, not a price.
1 minute
Not sure which to open? Start with the router: four questions about your collateral, your time in business, and how fast you need the money, and it names the structures you actually qualify for with what each costs. Spot a number that looks wrong? Tell us.