Building Your Own Pre-Approval

Because you have a problem you can solve, an idea you can act on, or a project you can get started today — without waiting on a bank. Used with a plan, this capital is for decisive business owners, not desperate ones. If the numbers above show the move pays for itself, the speed is what turns the idea into action.

Profit is measured over months; cash flow is measured every day — and it’s cash, not profit, that keeps the lights on. Plenty of sound businesses run at a loss through a slow season, a growth push, or a stretch of slow-paying customers. For them, capital isn’t filling a hole — it’s buying the runway to reach the point things turn. The honest test isn’t whether you’re profitable today; it’s whether there’s a path and this buys enough time to get there. If there is, waiting on a bank can cost you the very window you’re trying to survive. If there isn’t — if the money’s lost on every job with nothing changing — another payment won’t bridge that, and a good specialist will tell you so.

No. It's the purchase of a portion of your future sales, so approval leans on your revenue rather than your credit score alone. Repayment is flexible: payments can vary with your actual sales volume to protect your cash flow, on a schedule you choose if you qualify.

APR — annual percentage rate — expresses the full cost of financing, fees included, as a yearly rate. It exists so products with different terms and fee structures can be compared on a single number.

This calculator shows factor rate, total payback and dollar cost instead, because those describe this product directly: the cost is fixed when you sign. Unlike a credit card or a line of credit, where interest accrues on whatever balance you carry and grows the longer you carry it, $50,000 at a 1.30 factor means $65,000 back. Nothing compounds and nothing accumulates with time.

You will still see an APR on your contract. Most funders disclose one and a number of states now require it, so expect the number and don’t be alarmed by it. A typical disclosure on short-term business financing might show $150,000 funded with a $6,000 origination fee over a 17-month weekly schedule, a stated simple interest rate of 39%, and an APR of 52.31%. Both figures are accurate — they measure different things. APR runs higher because it annualizes, counts the fee, and accounts for the fact that you are paying the balance down every week rather than holding the full amount for the full term. On short, fast-repaying money that gap is arithmetic, not a hidden charge.

How to use both. The dollar cost tells you what this money costs you; weigh it against what the move earns. The APR is what to use when you are comparing this against a different kind of product. If cost is your main concern and you have the time to wait, a bank line of credit will usually be cheaper — that is exactly what “when to think twice” above is for. Speed, access and a fixed, finite payoff are what you are paying the difference for.

It's how the cost is set. Multiply the advance by the factor rate to get the total you'll repay. A $40,000 advance at 1.30 means you repay $52,000 — so the cost of the capital is $12,000. Advances are priced this way instead of with an APR, and they tend to cost more than a bank loan in exchange for speed and easier approval.

Payments are flexible and can vary with your actual sales volume, so your cash flow is always protected. Daily is the most common schedule; weekly, bi-weekly, and monthly are also available if you qualify. Payments are debited automatically by ACH until the agreed total is repaid. No balloon payment at the end.

Yes — you can pay off any time to receive a discount. Discounts vary by lender, so ask your specialist about early-payoff discounts on your offer.

Not at all. Our funding is designed to coexist with your current financing, giving you multiple levers of capital to pull from.

Not at all. This page does the math on the figures you type in — nothing is submitted and nothing touches your credit. And when you move on to see real options, that's a soft pull only: no hard inquiry on your credit, and no obligation to accept anything.