✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute

Business Loan Calculator

Calculate the true cost of any business loan or merchant cash advance. Enter your numbers, get an honest total — no factor-rate tricks.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
All industriesdirect funder
No collateralfor working capital

See how much your business qualifies for

$25K to $5M — approved on your revenue, funded in as little as 24 hours. A direct funder built for speed. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Total to repay
$130,000
Cost of capital
$30,000
Per payment
$2,500
APR equivalent
60%
# of payments
52
Apply Now →

No credit impact · Soft pull only · Real offer in 5 minutes

Embed this calculator on your site

Copy this iframe code to embed the calculator on any page. Free to use — please keep the attribution link.

<iframe src="https://directfastfunding.com/business-loan-calculator/embed/" width="100%" height="640" frameborder="0" style="border:1px solid #e5e7eb;border-radius:8px;"></iframe> <p>Calculator by <a href="https://directfastfunding.com/business-loan-calculator/">Direct Fast Funding</a></p>

Common Questions

How accurate is this calculator?
It uses the same math as actual MCA/working-capital agreements: total = principal × factor rate, divided by payment count. Real offers may vary based on credit profile, bank statement health, and time in business.
What is a factor rate?
Factor rate is a decimal multiplier (e.g. 1.30) that tells you what you'll repay vs what you borrowed. $100K × 1.30 = $130K total. Unlike APR, factor rate doesn't compound — it's the flat cost.
Why is the APR equivalent so high?
MCAs and working capital have short terms (3-18 months), so the APR equivalent of even a low factor rate looks high. A 1.30 factor over 6 months ≈ 60% APR; over 12 months ≈ 30% APR. Use factor rate to compare like-for-like.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why owners choose Direct Fast

A direct funder — no broker layer, no runaround. Fast capital approved on your revenue.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

🤝

Direct funder — no brokers

You deal with the funder, not a middleman. Faster answers, better terms, no stacked markups.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your bank deposits and sales, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute