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BUSINESS & AGRICULTURE

Factor rate financing calculator

Convert a factor into total repayment, equal payments and financing cost.

Example values are editable scenarios, not current offers. Enter your actual quoted terms.

Enter your scenario and select Calculate.

How this estimate works

Total contracted repayment = advance × factor. A factor is not APR. Assumes equal fixed payments, not sales-based remittances. Payment frequency and timing are not used to imply APR.

Results use unrounded intermediate amounts; display and CSV round to cents. Actual lender rounding and day counts can differ. Inputs are calculated locally and are not submitted to our server.

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Scenario schedule

Periods are monthly unless this calculator specifies a different payment frequency. A final balloon is included in the final payment. See the model assumptions above.