Free Tool

Business Funding
Cost Calculator

Understand the true cost of alternative business funding before you sign. Enter your funding details and see total repayment, daily or weekly payments, and estimated annualized cost.

Funding Parameters
Funding Amount $30,000
$5K$500K
$
Factor Rate 1.30
1.101.50
×
Repayment Term 6 months
1 mo18 mo
Payment Frequency
Monthly Revenue For context only
$
Total Repayment Amount
$39,000
$9,000 total cost for access to capital
This reflects the cost of speed and access to capital.
Per Payment $300 / day
Total Payments ~130 payments
Monthly Debit ~$6,500 / mo
% of Monthly Revenue 16.3%
Estimated Annualized Cost ~72%
Cost Breakdown
Amount Funded $30,000
Factor Rate 1.30×
Total Repayment $39,000
Cost of Capital (fees) $9,000
Cost as % of Funded 30%
Payment vs Revenue Context
Monthly Payment Burden $6,500
Typical Safe Range (15–25% of Rev.) $12,000
Total Cost of Capital $9,000
Payment Schedule — Pattern Preview
DAILY

Showing 3-week pattern preview. See total payments above for your full term.

Payment day
No payment
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⚠ This calculator provides estimates for educational purposes only. Actual rates, terms, and payment structures vary by lender and are determined during underwriting. Factor rates shown do not represent APR. Estimated annualized cost is a simplified calculation and does not constitute a disclosed APR or financing rate. Consult BlackRidge Funding for actual offers based on your business profile.

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