Independent editorial cost estimates
Independent estimates of what business financing really costs
No lender sponsorships, no lead resale, no referral fees. We publish plain English calculators and methodology so you can compare an offer against realistic market ranges before you sign anything.
No money from lenders
We are funded by display advertising only. No broker fees, no lead sales, no paid placement.
Wide, honest ranges
Financing pricing varies a lot. We publish ranges and assumptions rather than one falsely precise number.
Effective APR first
Factor rates and holdbacks hide the real annualised cost. We convert them and show the maths.
Three cost calculators
Each one shows line items, a range and the assumptions behind it.
Invoice factoring true cost
Turn a factor rate, an advance rate and the extra fees into an annual cost range and an effective APR.
Typical effective APR 15 to 60 percent
Open calculatorMerchant cash advance true cost
See total payback, total cost of capital and the effective APR that MCA offer sheets almost never print.
Typical effective APR 40 to 350 percent
Open calculatorSBA 7(a) loan cost
Monthly payment range, total interest, guarantee fee and closing costs using published 2026 rate caps.
2026 prime rate 6.75 percent
Open calculatorGuides
Educational estimates only. This page is general information, not financial advice. Cost of Financing does not offer, broker or arrange loans, and we accept no lender sponsorships, referral fees or lead payments.