ToolsFreeNo email requiredInstant results

Tools that don't waste your time. Or your data.

Calculators and converters built around how small business funding actually works. Run the numbers, see what you're getting into, decide whether to apply — without giving up your email or sitting through a sales call first.

Reviewed by the Elite Funders team.
Calculator~30 sec
MCA Calculator
Model the true cost of a merchant cash advance. Adjust factor rate and holdback, see total payback, daily payment, payback period, and effective APR update in real time.
Total payback + cost calculation
Daily payment based on revenue
Payback period in days + months
Effective APR with tier warning
Open MCA Calculator →
Converter~10 sec
Factor Rate → APR
A 1.30 factor isn't 30% interest. It's typically 50%–90% APR. This converter shows the real number for any factor rate × payback period combination, plus a full reference matrix.
Instant APR conversion
Tier classification (low/mid/high)
Comparison matrix across 5 terms
Heat-mapped APR ranges
Open Factor Rate Converter →
Broker Tool~60 sec
Deal Qualifier
Pre-flight check for brokers. Enter a deal's basics — revenue, time in business, positions, credit, flags — and see whether the file reads fundable, tough, or dead, and which product lanes fit.
Fundable / tough / dead verdict
Kill-switch and flag detection
Product lane suggestions
Plain-text logic on the page
Open Deal Qualifier →
Broker Tool~30 sec
Stacking Calculator
Payment-burden math for stacked files: monthlyized existing advance payments plus a proposed payment, over true deposits — and whether another position is serviceable or a consolidation conversation.
Combined payment burden %
Multiple positions, daily/weekly/monthly
Serviceability band read
Plain-text formula on the page
Open Stacking Calculator →
Broker Tool~30 sec
ISO Commission Calculator
Gross to net for MCA broker commission: deal size and points, then splits, a clawback reserve, and acquisition cost — the number you actually keep, not the one in the recruiting ad.
Gross commission by points
Split and clawback reserve modeling
Net after acquisition cost
Plain-text formulas on the page
Open Commission Calculator →
Broker Tool~15 sec
State Compliance Checker
Pick a state and see whether commercial financing disclosure or broker registration rules commonly apply there — a starting point with links to go verify. Not legal advice.
All 50 states covered
Disclosure vs registration regimes
Verify-before-you-rely prompts
Data reviewed September 2026
Open State Compliance Checker →
In the works

More tools coming soon

Coming Soon
Eligibility Checker
Answer 6 quick questions about your business and see which funding products you actually qualify for, before you apply anywhere.
Coming Soon
Loan Cost Comparison
Compare two funding offers side-by-side. Total cost, monthly payment, effective APR, and the breakeven point if you switch.
Coming Soon
MCA Payoff Calculator
Already in an MCA? See how many days remain, what an early payoff would actually cost, and whether refinancing makes sense.
How these tools work

Math you can audit. No email collection. No tracking.

Every calculation here happens in your browser. We don't store your inputs, we don't email you a "personalized report," we don't put you in a sales sequence. The formulas are documented inline on each tool's page so you can verify the math against any other source.

Where the tool produces a judgment — calling an APR "high" or a factor rate "exceptional" — the thresholds match the same scoring methodology used in our lender directory. Updated quarterly. Reviewed by the Elite Funders team.

When the math checks out

Apply once. See offers from 70+ lenders.

The tools show you what the numbers should look like. To see what you actually qualify for, submit one application across our lender partner network. No hard credit pull, no obligation, free.

Apply for Funding → Read Lender Directory