Offer math done for you, compared side by side

• Advance amount and factor rate (the sell rate), plus the buy rate if the lender gave one.
• Origination fee as a percentage or flat amount, other fees, and payoffs of existing positions.
• Payment frequency: daily, weekly, biweekly, monthly or split.
• Term in months, or the exact number of payments.
• Business days per month for daily payments (a lender setting, 21 by default).
• Base commission percentage and the commission basis: advance, net or payback.

payback (RTR) = advance x factor
net funding = advance - fee - other fees - payoffs
cost of capital = payback - net funding
effective factor = payback / net funding
number of payments = term in months x payments per month
payment = payback / number of payments (the last payment absorbs rounding)
holdback % = monthly payment / monthly true revenue x 100
upsell points = (sell factor - buy factor) x 100
commission = basis x (base % + upsell points) / 100

Each offer stores its inputs and a calculation version, so the numbers on a deal from last year still reproduce exactly. The browser shows a live preview; the server is the authority and saves the result.

A $50,000 advance at a 1.35 factor with a 4% fee, paid daily over about six months at 21 business days a month:

Try your own numbers with the free MCA factor rate calculator.

Every offer on the deal appears in one comparison: amount, factor, payback, fee, net, payment, frequency, term, holdback and commission. Sort by what matters for this merchant, the cash in hand, the lowest cost or the payment they can carry.

Accepting an offer fills the deal's pricing block (program, repayment method, lien position, buy and sell rate, remit, payment schedule and period payment) and locks it. Contract status is tracked on the offer until the deal is funded.