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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 Elite Funders Editorial. Editorial methodology →
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 →
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 an editorial 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 Elite Funders Editorial.

Read full editorial methodology →
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 70+ lender network. No hard credit pull, no obligation, free.