Rates & terms
Priced on revenue,
shown in plain numbers
We can't quote your rate until we see your business. We can show you how pricing works, what drives it, and what a real offer looks like.
Illustrative — not an offer
Typical ranges
Ranges reflect offers commonly seen across our partner network and vary widely by business. Your offer will show your exact numbers.
What moves your price
Six things that set your terms
- 1Average monthly depositsMore consistent revenue supports larger amounts and better pricing.
- 2Deposit consistencyFewer swings mean a better price.
- 3Time in businessLonger history lowers risk for partners.
- 4Existing obligationsOpen advances and daily debits reduce what you can take on.
- 5Industry risk profileSome industries price differently across partners.
- 6Product and termShorter terms and fixed structures often cost less in total.
How to read an offer
Every offer shows
the same five numbers
- Amount you receive
- Total you'll pay back
- Payment amount and frequency
- Estimated term
- Estimated annualized cost — so you can compare an advance to a loan on equal footing
Compare structures
Total cost, not headline rate
A factor rate and an APR aren't the same number. Put two structures on the same amount and compare what you'd actually pay back.
Funding cost calculator
Advance
Term loan
Illustrative only. Not an offer or a quote. Compare total cost and monthly outflow, not just the headline rate.
Lower your cost
Ways to pay less
- Connect more accounts, like your processor and accounting software
- Take a shorter term
- Reduce open advances first
- Renew after 50% is paid down
- Ask your advisor to check for a lower-cost structure
FAQ
Questions, answered plainly
Why can't you show my rate now?
Because we price on your real revenue. Until your accounts are connected, any number would be a guess. Connecting takes about two minutes and doesn't affect your credit.
What's a factor rate?
A multiplier used to price advances. A $50,000 advance at a 1.25 factor means $62,500 is remitted in total. Your offer also shows an annualized estimate for comparison.
Is there an origination fee?
Some partners charge one. If there is a fee, it's listed in your offer and included in the total cost.
Are there prepayment penalties?
Term loans can typically be prepaid. Some advances offer a discount for early payoff. It's stated in your offer.
Will checking my rate hurt my credit?
No. Seeing your terms requires no hard credit pull. A partner may run a hard inquiry only after you accept an offer, and we tell you first.
Get funded today
Connect your accounts and see your real offers in minutes. Up to $5 million, funded the same day.